Carmen focuses on achieving objectives and protecting clients' rights. She possesses strong analytical and organizational skills, with attention to detail, objectivity, active listening, and negotiation abilities.
She has academic training and experience in banking and financial regulation, trusts, anti-money laundering prevention, public management, leadership and governance; alternative dispute resolution methods; preventive practice in civil and commercial matters, as well as litigation in these areas; training in civil procedure under the new Procedural Civil Code; specialized training in Civil Cassation; as an active member of the Corporate Governance Institute, she remains continuously trained in this area, as well as in transparency, ethics, and leadership.
In 1999, she obtained a Bachelor's degree in Banking and Finance; in 2002, she joined MDU Legal (formerly Mizrachi, Davarro & Urriola) as Administrator and Paralegal Coordinator, and in 2010, she obtained her law license to practice in Panama.
For over 8 years, she was part of the Regulation Department of the Superintendency of Banks, where she served as Manager of Research and Regulatory Issuance. She led the regulatory update of the website, participated in the drafting and negotiation of financial sector bills before the National Assembly, and coordinated memoranda of understanding with local and international regulators. She represented Panama at conferences in Colombia, Peru, Chile, and at the AFI Global Forum in Kuala Lumpur 2013. She was a scholarship recipient of the Ministry of Economy and Finance for studies at INCAE and IESA.
In 2016, she assumed the role of Assistant Vice President of Corporate Governance at Banco Delta. She supported Senior Management and the Board of Directors in the implementation of the corporate governance manual and compliance with banking regulations. She participated as an advisor and permanent guest in committees and Board sessions, being responsible for the custody of minutes and confidential documentation.
In 2017, she rejoined MDU Legal as a Senior Associate Attorney in the Litigation team. She applies her experience in regulation and banking to develop her practice in civil, commercial, banking, and financial law, with a focus on commercial transactions and dispute resolution. She became a partner in 2026.
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