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2024 Business Owner Report

This year’s survey explores the perspectives, aspirations and outlooks of small and mid-sized business owners across the U.S.

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Joaquin Hernandez is a Relationship Manager for Bank of America Merrill Lynch Commercial Banking Group serving the Miami market.  In this capacity, his responsibilities include leading a team of specialists focused on understanding each client’s unique needs in order to deliver strategic financial guidance and solutions. Joaquin’s mission is to help local companies by enabling them to achieve their business goals, no matter how simple or how complex.

Bringing 12 years of financial experience, Joaquin joined Bank of America Merrill Lynch in 2006. He began in the Enterprise Fraud Management and Controls division and joined the Commercial Banking team in 2012. He started as a Dedicated Service Specialist before joining Business Banking in a Relationship Manager role. Throughout his banking career, Joaquin has served mid to large size companies throughout the country supporting their commercial banking needs.

To help create a more sustainable future for the companies and communities he serves, Joaquin volunteers with several not-for-profit organizations focused on ending hunger, homelessness and teaching financial literacy courses.  

 Joaquin graduated with a Bachelor of Science degree in Criminal Justice from Kennesaw State University.  He currently resides in Miami, FL



    English & Spanish

    • General industries

Meet the Team

With access to the global resources of Bank of America, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Sira Diaz

Senior Vice President

Treasury Solutions Officer

Angela Bouie

Assistant Vice President

Treasury Solutions Analyst

Bank of America Business Banking

As you work to take your business to the next level in an environment where business and technology sophistication are critical to having a competitive edge, you need a local banking partner who has your long-term interests at heart.

Bank of America is that local advocate. We work closely with you to understand your business goals. We then draw on our Bank wide resources, technology and experience to generate ideas and solutions that will propel your business further.

With Bank of America Business Banking by your side, you can be assured your business has the power to grow and thrive.

You can benefit from:

Local Relationship Managers who are your advocates and bring the Bank’s resources to you as a seamlessly integrated, dedicated team

Comprehensive commercial banking platform with full range of products and technology, backed by Bank of America’s strength and stability

Access to bank-wide services beyond business banking, to manage both your business and personal wealth

Let's have a conversation.

There is no substitute for a one-on-one relationship with a Bank of America relationship manager who is committed to your needs. Request an appointment today.