Ricardo Garbati has over 20 years of experience working with high and ultra-high net-worth individuals, their families, and institutional clients, including law firms, CPA firms, and other professional services, as well as entrepreneurs and their businesses. Before joining City National Bank Private Banking in 2013, he served as Senior Private Banker at Gibraltar Private Bank & Trust from 2004 to 2013.

Currently, Ricardo leads the Private Banking Division and Service Team. In addition to his professional achievements, Ricardo is passionate about community service and serves on the boards of Miami Jewish Health and the Zoo Miami Foundation. A Miami native, he attended Westminster Christian and later graduated from the University of Florida. He is married with two sons.