Lilibeth Costas Santiago developed a reputation as a full-fledged management specialist with almost 25 years of experience in the regulation, business and financial services sectors. De Armas is a director and co-founder of the Caribbean Investment & Acquisitions Organization and of Ciac, LLC (CIAC), and currently administrates over $5 billion in assets as a corporate finance / commercial loan processing firm. He has developed debt restructure efforts and identified financing mechanisms from his experience in the legal profession to his endeavors to handle both financial and commercial loan portfolios.