Dr. David José Osio is a senior global banking executive, entrepreneur, and legal strategist with more than three decades of leadership in international banking, wealth management, and multi-family office platforms. As Founder, Chairman, and CEO of Davos Financial Group (est. 1993), he has built and led one of the most respected independent financial institutions serving high-net-worth individuals and families across multiple jurisdictions.

His expertise in International Banking Law, along with professional training at Swiss Bank Corporation and advanced executive programs through the American Bankers Association, enabled him to develop a pioneering independent advisory and multi-family office model in Latin America. This model effectively combines Swiss banking discipline, U.S. regulatory rigor, and expertise in cross-border structuring.

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Dr. David Osio advises oil and energy companies on international contracts, cross-border transactions, and regulatory matters affecting operations in complex, multijurisdictional environments. His experience includes structuring, negotiating, and executing international commercial agreements, such as supply, maritime transportation, and long-term service contracts across the energy value chain.  He also provides legal support for the relocation and compliance of foreign executives and technical personnel, advising on immigration, local labor regulations, and regulatory clearances to ensure the lawful deployment of international teams.

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A strong advocate of applied artificial
intelligence within regulated environments, Dr. Osío advises financial institutions and corporate clients on the legal integration of AI as core infrastructure, including automated compliance systems, AI-assisted wealth analytics, predictive risk modeling, and digital onboarding architectures. 

Carmen Inés Osio Montiel is a Venezuelan attorney with over 25 years of experience in corporate, finance, and banking law. She holds a Law Degree from Universidad Católica Andrés Bello (Caracas, 1996), a certificate in International Trade from New York University (1998), and an LL.M. in Corporate, Finance and Banking Law from Fordham University, New York (1999).

Her professional career began at Baker & McKenzie in Caracas, where she worked for nearly six years across the Corporate, Labor, Financial, and Administrative departments.

 

During this period, she participated in corporate mergers and due diligence for companies and financial institutions, and played an active role in Venezuela's Oil Opening Process. She also co-authored a comprehensive guide on Doing Business in Venezuela for international clients.

She later joined Arthur Andersen – Andersen Legal, where she focused on drafting regulations and incorporating telecommunications companies.

 

She subsequently worked in the legal department of Davos Financial Corp.

From 2011 to 2017, Carmen served as CEO of Hato Barrancas, C.A., and since June 2017, she has been CEO of A3Capital S.A. and an active board member of Escritorio MGO.

Carmen is fluent in Spanish, English, and French.