Sandy Fernandez-Fortun
Sandy Fernandez-Fortun is a powerhouse in the banking world with over 25 years of experience managing multimillion-dollar portfolios and leading high-performing teams. She currently serves as Senior Vice President and Retail & Business Banking Manager at Intercredit Bank N.A., where she leads enterprise-wide initiatives that shape the future of community banking. In her role, Sandy oversees branch operations across South Florida, spearheads strategic planning, and drives business development through innovative digital strategies, client experience transformation, and cross-functional collaboration. Known for her hands-on leadership and ability to turn underperforming branches into top producers, Sandy also works closely with executive leadership to implement scalable systems that streamline compliance, improve profitability, and develop the next generation of banking leaders.
But Sandy’s brilliance doesn’t stop at spreadsheets and strategy. She is also the founder of Karmic Currency, a transformational coaching and consulting firm that merges money mastery with energetic alignment. Through her books, courses, and high-level private coaching, Sandy empowers women — especially high-achieving professionals — to heal their relationship with money and claim the financial freedom they deserve.
A sought-after speaker and author, Sandy shares her unique insights on wealth, energy, and leadership across national media, podcasts, and business panels. Her work bridges the masculine world of finance with the feminine power of intuition — helping women not only manage their money, but transform their entire lives.
Deeply rooted in service, Sandy is currently active with Flourish Media Community and has previously served on the board of the Mount Sinai Medical Center Foundation and supported organizations like the Coconut Grove Chamber of Commerce, continuing her commitment to both business and community evolution.
• Mortgage Loan Officer
• Life Coaching Certification
What do you attribute your success to?
I attribute my success to every setback that should have broken me — but didn’t. I’ve been the woman rebuilding her life from scratch, navigating heartbreak, grief, single motherhood, and the pressure of performing in boardrooms while silently falling apart. I didn’t just study money — I lived through the financial chaos, the shame, the confusion. And that’s exactly what allows me to guide others through it now. My success comes from being relentless about two things: doing the deep inner work to heal my own money story, and using that wisdom to help other women rise. I believe women are powerful beyond measure when they finally let go of survival mode and start leading from their intuition, their brilliance, and their boundaries. I don’t just want women to be financially successful — I want them to be spiritually aligned, emotionally free, and wildly abundant. That’s what drives everything I do.
What advice would you give to young women entering your industry?
Here’s my advice to young women entering this industry: Stop asking for permission. This is a world that will try to make you shrink — don’t. Be smarter, be sharper, but most importantly, be yourself. You don’t have to act like “one of the guys” to succeed in banking, finance, or any boardroom. You just have to know who you are and what you bring to the table — and never negotiate your worth. Find mentors who see you. Ask the uncomfortable questions. Say yes to things before you feel ready, and learn to trust that your voice belongs in every room you walk into. And when the path feels unclear? Remember: you’re not lost — you’re just in the process of becoming. I’ve made it my mission to show women what’s possible when you stop playing small and start owning your story.
What values are most important to you in your work and personal life?
The values that matter most to me are the ones shaped by real life — by being a mother, a daughter, and a woman who’s walked through fire and still leads with love. Being a mom to two sons is at the center of everything I do. I want them to grow up knowing what it looks like when a woman is powerful, kind, self-made, and unafraid to speak her truth. I want them to understand that strength isn’t just about success — it’s about showing up for yourself and others, even when it’s hard. Losing my mother changed me. Caring for her while managing a demanding career was one of the hardest chapters of my life, but it reminded me of the deep value of family, legacy, and compassion. Grief taught me to slow down, tune in, and prioritize what really matters. And then there’s sisterhood — my female friendships are sacred. The laughs, the late-night calls, the support, the mirror they hold up when I forget who I am — those relationships keep me grounded and real. At the end of the day, my values aren’t just about work ethic or ambition. They’re about love, loyalty, and living in full alignment with who I am — so I can help others do the same.
