Tel: 305.779.3566
Fax: 305.779.3561

Assistant: Laura Sierra
Tel: 786.594.4109


A founding partner of AVILA, Patricia M. Hernandez focuses on corporate and financial services, particularly in counseling businesses, including banks and financial services companies, in varied legal issues. Ms. Hernandez has extensive experience in representing domestic and international financial institutions and other financial businesses in all aspects of regulatory, compliance, lending, mergers and acquisitions, and other transactional matters.

Ms. Hernandez regularly represents clients before the Office of the Comptroller of the Currency (OCC), the Federal Reserve, the FDIC, the Florida Office of Financial Regulation and other regulatory agencies and assists banks in negotiating and complying with enforcement actions. She has extensive knowledge in privacy and compliance with the requirements of the Gramm-Leach-Bliley Act and has achieved specific knowledge in lending transactions, including asset-backed, trade-finance, factoring and Ex-Im Bank financing. She also has extensive practice in counseling U.S. and foreign clients on the effects of Regulations of the Office of Foreign Assets Control (OFAC) regarding Cuba and other embargoes. For the last three years, Ms. Hernandez has served as General Counsel to the Florida International Bankers Association. She also serves on the Banking Law Advisory Panel for the ALI-CLE of the American Law Institute, as well as a Board Member of the South Florida Banking Institute.

Ms. Hernandez has exceptional experience in other general corporate matters, including acquisitions, formation of entities and review and preparation of contracts for all types of transactions. She regularly counsels foreign businesses who wish to launch their products and services in the U.S.


  • Financial Services
  • Corporate, Mergers and Acquisitions
  • Commercial Financing Transactions
  • Lending
  • International and Cross-Border Transactions
  • Money Services Businesses
  • Banking & Finance


University of Miami, B.A., magna cum laude (1993)
University of Miami School of Law, J.D., cum laude (1996)


Florida International Bankers Association – General Counsel (2013-Present)
South Florida Banking Institute – Past President and Board of Directors
Women in International Trade – South Florida
Association of Trade & Forfaiting in the Americas (ATFA)
American Bar Association
IR Global (Florida Banking & Finance)
Cuban American Bar Association
Hispanic National Bar Association


Florida (1996)




  • Regularly represents domestic and foreign group and individual investors on de novos and acquisitions, including drafting of definitive agreements and joint venture agreements.
  • Represented client in connection with a $15,000,000 cross-border acquisition of Latin American based trade loan portfolio insured by Ex-Im Bank.
  • Represented client in a $1,200,000 acquisition of a life insurance company located in Dominican Republic.  AVILA handled transactional negotiations and serves as escrow agent.
  • Represents Latin American bank as lead with respect to its ongoing regulatory compliance matters in connection with its current regulatory enforcement action. AVILA is also assists the bank’s shareholders in connection with an ownership restructuring of its U.S. and foreign bank operations.
  • Represented U.S. regional bank as purchaser, in a $100,000,000 revolving uncommitted receivables purchase agreement. AVILA’s representation included all aspects of the transaction, including drafting and negotiation of all transaction documents, as well as analysis of tax and regulatory issues.
  • Represented U.S. regional bank, as purchaser, in a cross-border $15,000,000 revolving uncommitted receivables purchase agreement, including drafting and negotiation of all transaction documents, as well as analysis of tax and regulatory issues.
  • Regularly represents local bank as a lender in syndicated credit facilities.
  • Regularly represents banks in connection with loans, SBA lending, asset-based financings, and other related matters.
  • Regularly represents banks and financial services institutions with respect to regulatory matters, enforcement actions, and compliance.
  • Represents community bank in general matters.
  • Serve as General Counsel to FIBA and represent the organization in advocacy efforts on behalf of FIBA constituents and members that include domestic and international banks.


Publications & Speaking

  • Panelist at South Florida Compliance BSA and OFAC Seminar on “OFAC Regulatory Environment: Recent Trends and Developments, including Cuba (2016).
  • Moderated ‘Ask the Examiners’ session at FIBA 2016 AML Conference.
  • Presented on ‘Legal Issues Affecting Banks’ at SFBI panel.
  • Speaker at Association of Trade & Forfaiting in the Americas Annual General Conference.
  • Presented on Basel III and Latin Legal Developments at Florida International Bankers Association International Trade Conference.
  • Presented “Cuba – Paradise Lost or Newest Emerging Market” in conjunction with Florida International Bankers Association.
  • Speaker at Florida International Bankers Association Latin America Trade and Economic Forum.
  • Presented “Fair Lending: Disparate Impact of Policy Decisions” at financial institution Board of Directors and Management Committee Meeting.
  • Speaker at Florida International Bankers Association CELAES XXVI Bank Security Conference.
  • Speaker at Florida International Bankers Association Dodd-Frank Implementation Seminar.
  • Speaker at FIBA-Felaban Clace Trade Finance Conference.

Awards & Recognition

  • Recognized in Best Lawyers Business Edition 2016 Women in the Law section for Banking & Finance law.
  • Named to Latinvex Latin America’s Top 100 Female Attorneys list (2018).
  • Recognized in “Best Lawyers in America” for banking and finance (2010-2018).
  • Recognized as one of South Florida’s top finance attorneys by the South Florida Legal Guide (2010-2018).
  • Recognized in Florida Super Lawyers (2011-2019).
  • Recipient of the Chivas Regal Order of Distinction.
  • Finalist for Regulatory Lawyer of the Year Women in Law by Chambers USA (2012).
  • Winner of International Business Woman of the Year by Organization of Women in International Trade (2010).
  • Ranked as a top banking and Latin American Investment attorney by Chambers USA. (2010-2016).