With nearly 25 years of high-level experience in law, business and financial services industry, Francisco De Armas has gained a reputation as a consummate finance professional. Mr. De Armas is the Manging member and co-founder of Caribbean Investment & Acquisitions Corporation and CIAC, LLC (CIAC), an asset management/commercial loan servicing firm that currently manages over $5 billion in assets. From his background in the legal profession to his work in managing underperforming both government and commercial loan portfolios, developing debt restructuring plans, identifying financing alternatives, and directly investing in selected opportunities through the private equity fund he co-founded, CIAC Consortium II LLC ,