Contact Information

Practice Areas

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

Overview

Education

University of Florida, B.S. (2002)
University of Pennsylvania, J.D. (2005)

Bar Admissions

Florida (2005)

Professional Associations

Centro Mater Foundation, Board Member
Hispanic National Bar Association
Cuban American Bar Association
Florida International Bankers Association
Penn Law Alumni Network
Belen Alumni Lawyers Section

Languages

English
Spanish

Biography

Javier A. Alvarez is a partner in ARHMF’s Corporate and Financial Services Group. His practice focuses on the representation of corporate clients and financial institutions in transaction and regulatory matters. In particular, Mr. Alvarez represents client in complex domestic and international mergers and acquisitions, finance transactions, joint ventures, and other cross-border and domestic transactions. Mr. Alvarez also regularly advises clients on a broad range of regulatory, compliance and corporate governance matters.

Before joining ARHMF, Mr. Alvarez served as Vice President, Assistant General Counsel for a local financial institution, providing corporate and banking regulatory advice, and serving as lead counsel in various types of financing transactions. Mr. Alvarez began his career working for several years as an associate at an AmLaw 100 international firm where he worked on a number of cross-border and domestic transactions.

Speaking Engagements

  • Guest Lecturer, FIU MBA Program, “Financial Institution M&A Transactions”
  • Speaker, “Final Rule for Customer Due Diligence Requirements,” ACAMS/ACFE South Florida Chapter Joint Event
  • Speaker, “Outsourcing CIP and Account Opening Functions,” South Florida Compliance Association Event
  • Speaker, “BSA/AML Issues in Trade Finance,” Conference of State Bank Supervisors Training Session
  • Speaker, “Beneficial Ownership and Customer Due Diligence,” South Florida Compliance Association Event

Awards & Recognition

Matters

Financial Services M&A

  • Represented Banco de Credito e Inversiones (BCI), the third largest bank in Chile, in the purchase of City National Bank of Florida from Bankia, S.A., for a purchase price of U.S. $946,900,000, including due diligence, negotiation of the purchase agreement, U.S. regulatory filings and all other transactional matters.
  • Represented BAC Florida Bank in its pending sale to Banco Bradesco, for a purchase OF US. $500,000,000.
  • Represented City National Bank of Florida in the purchase of TotalBank from Banco Santander, for a purchase price of U.S. $529,000,000, including due diligence, negotiation of the purchase agreement, U.S. Regulatory filings and all other transactional matters.
  • Represented the Egas Family in its pending acquisition of Intercredit Bank, N.A.
  • Represented group of foreign investors in the acquisition of Espirito Santo Bank from the Portuguese bank, Banco Espirito Santo, including due diligence, negotiation of the purchase agreement, U.S. regulatory filings and all other transactional matters.
  • Advised a number of domestic and international financial institutions in connection with their U.S. bank merger and acquisition activities. Such representation has included the structuring and negotiation of transaction terms, and the filing of applications with various Federal and State bank regulatory agencies.
  • Represented a number of individuals and organizations in their investments in depository institutions under U.S. banking laws and regulations, including the Bank Holding Company Act, the Change in Bank Control Act, and Regulation Y.

Regulatory Advisory Matters

  • Represented foreign banks in establishing a banking presence in the U.S., as well as their expansion and divestment before different bank regulatory agencies.
  • Represented multiple foreign shareholders of a domestic financial institution in change in control notification transaction, including ownership restructuring of various entities to meet the definition of a “Qualified Family Partnership” under the Bank Holding Company Act.
  • Acted as U.S. regulatory counsel to several Spanish banks in respect of the significant restructuring and mergers occurring in the Spanish caja banking system during 2010-2012. In connection therewith, prepared various regulatory applications and notices for the related bank holding companies and the establishment and closing of local offices.
  • Represented a number of domestic and foreign banks in connection with regulatory enforcement actions, including substantial experience dealing with different bank regulatory agencies.
  • Advised various banks and other financial institutions in connection with BSA/AML/OFAC compliance matters.

Finance Transactions

  • Represented financial institution as co-lender in financing for the acquisition of the Setai Hotel and the Abbey Hotel in Miami Beach.
  • Represented financial institution in asset-based credit facility to seafood supplier company.
  • Represented financial institution in asset-based credit facility to leading specialized wireless distributor.
  • Represented financial institution in asset-based credit facility to oil distribution company.
  • Represented financial institution in acquisition finance and asset-based credit facility to liquor store chain.
  • Represented financial institution in multi-facility transaction with local bakery chain.
  • As Assistant General Counsel for a local financial institution, served as lead counsel in various domestic and foreign finance transactions.
  • Represented aircraft operating lessors and international airlines in a broad range of transactions in the aircraft financing area.

Cross-Border M&A/General Corporate

  • Represented foreign shareholders of produce inspection companies based in Florida and Chile in sale to Hong Kong bases quality control service provider.
  • Represented a U.S. enterprise imaging and document solutions company in the sale of its Central and South American business units to a Japanese electronics company.
  • Represented a Latin America-based internet business in its sale to one of Latin America’s largest e-commerce companies.
  • Represented mobile home park operator in the sale of its company.
  • Represented foreign airline in multiple aircraft acquisition transactions, each valued at over $50,000,000.
  • Represented a Miami-based real estate investment firm in connection with a preferred equity transaction used to facilitate the acquisition of a multifamily apartment community.