Carmen is a mother of two teenagers and an attorney focused on meeting the objectives and protecting the rights of her clients, she has a high analysis and organization capacity, she is detail-oriented, objective, active listener and negotiator; with an academic education and experience in banking, financing, trusts, money laundering prevention, public management, leadership and government regulations; alternative methods for conflict solution; preventive exercise in civil and commercial matters, as well as litigations in these areas.

In 1999, she obtained a banking and finance license, and at the beginning of her career she worked for the Panamanian Credit Association; in 2002, she joined MDU Legal (previously known as Mizrachi, Davarro & Urriola) as paralegal administrator and coordinator. In 2010, she obtained her certificate of competence to practice law in Panama.

As part of the Bank Superintendency Regulation Direction for more than 8 years, she managed to work in Investigation Management and Regulation Issuance, where she coordinated the regulation update in the web page and acquired experience in the writing of rules and counsel in the matter of banking and finance rules.

She participated in the making and negotiation of rule projects and of debates in the National Assembly, for the update of laws of the financial sector, and coordinated the signing of understanding agreements with other local and international regulators.
She won a scholarship from the Ministry of Economy and Finance to study at Incae and Iesa; she coordinated the issuance of two editions of the book of banking rules; and she participated in the local and international financial congresses of Colombia, Perú, Chile and in the Alliance for Financial Inclusion (AFI) in Kuala Lumpur, Malaysia, in 2013.

In 2016, she took office as Assistant Vice-president to the Corporate Governance of Banco Delta. She contributed with the upper management and the board of directors in that matter, in the application of the manual, as well as in the compliance of banking regulations and as permanent guest and counsel of the committees and the board of directors, responsible for the custody of acts and other confidential documents.

In 2017, she returns to MDU Legal, now, as associate attorney of the litigation team, applying her previous experience and developing her practice specifically in commercial transactions, civil, commercial, banking, and financial law.