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Carlos Araúz is a senior vice president at Towerbank International, Inc. in Panama. In 2010, he was recognized for his contributions to the overall success of the aforementioned bank when awarded the "Espíritu Insuperable" recognition by the Bank's Board of Directors. Also in 2010, Araúz published "¿Qué sería de Panamá sin el dólar?" in La Prensa. In 2008, Carlos was named one of the most influential businesspersons under 40 years old in Panama by Capital Financiero, a regional publication. In 2005, he was appointed spokesperson for an independent association of business executives in negotiations with the government that led to changes in Tax and Social Security laws. Before joining Towerbank in 2007, Carlos worked for two multinational banks, living in Mexico, El Salvador, the Dominican Republic, and Panama over 11 years. Born and raised in Panama, hewon an academic scholarship to attend Christian Brothers University in Memphis, Tennessee where he majored in economics and finance. He received an degree from Nova Southeastern University (St. Petersburg, Florida). He is a Fellow of the sixth class of the Central America Leadership Initiative and a member of the Aspen Global Leadership Network.