12 latina leaders

12 Latina leaders honored in 2020

This past year has been challenging like no other but among the turbulent times, powerful Latinas rose up as inspirational leaders. As we look back on this year here at Latinas In Business, let us take a moment to honor and celebrate our Latina Leaders of 2020 and reflect on their inspirational journeys and the wisdom they have shared with us. 

Our 2020 Latina Leaders

Latina Leader of January: Judy Justin 

professional photography

Judy Justin, founder at Judy Justin Photography

In January,  U.S. Navy veteran, mother, and a professional photographer, Judy Justin taught us all about the power of confidence and the importance of our images in personal branding. What began as a hobby for Judy soon became her flourishing business, Judy Justin Photography. Judy shared how she was drawn to portrait photography especially, because it allows her to connect with her clients on a more personal level. Through that personal connection, her clients become more relaxed and confident during their sessions, and that confidence is key to creating the perfect image. 

For the fellow entrepreneurs, Judy suggested that we all especially take care of our images. Images are everything in branding. 

“A good set of professional portraits or pictures can say so much about you. It is sad when you see people in high positions -especially on social media- with pictures cropped from a wedding or social pictures, or worst yet, no picture at all! Your image is your first business card, and it speaks volumes about you and your business.” 

As we head into a new January, let us be mindful of our images and infuse them with confidence and authenticity. 

Latina Leader of February: Jacqueline Camacho 

Visionary social entrepreneur and Latina leader, Jacqueline Camacho.

In February, visionary social entrepreneur, Jacqueline Camacho taught us to be fearless and go for our dreams. Her life motto: “Taking off is optional, landing on your dreams is mandatory.” Leading by example, Jacqueline has soared for her own dreams and achieved so much in a short time. At only 36, she has founded two award-winning companies, established two nonprofit organizations, published sixteen books, created over ten products, and held dozens of events around the world. She also achieved her personal dream of becoming a sports airplane pilot! 

Jacqueline showed us all that anything is possible. Often referred to as a “dream catcher,” Jacqueline uses her strategies as a speaker, author, and entrepreneur to support thousands of women to live a life of significance. Additionally, she created the anthology book series,  Today’s Inspired Latina to share the success stories of Latinas and inspire hope and motivation “for anyone sitting on a dream and thinking it can’t come true.” 

Latina Leader of March: Sara Peña

community empowerment

Sara Pena, Director, Center for Hispanic Policy, Research and Development at NJ Department of State.

In March, professional and community, Sara Peña, shared with us the many lessons she has learned about community empowerment, self-empowerment, and success. As a Newark native and daughter of immigrant parents, she has strived in her career to empower Latinos, especially the youth, through advocacy, legislature, and mentorship. 

Currently she is the Director of the Center for Hispanic Policy, Research and Development in the NJ Department of State, as well as the founder of the Boys to Leaders Foundation. Through her work as a community leader, Sara has created opportunities for young Latinos and provided  leadership training, educational programs, and positive personal and professional development. 

Sara also shared with us her 5 best tips for self-empowerment and success: Understand Finances, Grow Personally, Build and Nurture Relationships, and Self-Care. You can read all about them and more in Sara’s feature article

Latina Leader of April:  Wendy Garcia

resources for women

Wendy Garcia, Chief Diversity Officer of the NYC Office of the Comptroller

In April, as the COVID pandemic hit, Latinas In Business hosted a Virtual Meeting: COVID-19: NY Resources for Minority and Women Small Businesses (Public and Private), to share financial assistance and other resources from federal, state, and City government, and the private sector. Here, guest speaker Wendy Garcia, Chief Diversity Officer from the Office of the New York City Comptroller Scott Stringer, provided crucial information on resources for minorities, women, and all small businesses impacted by COVID-19.

As Chief Diversity Officer, Wendy Garcia is responsible for increasing contracting opportunities for Women- and Minority-owned Business Enterprises (MWBEs) and managing the Comptroller Office’s internal supplier diversity initiative, as well as other diversity related projects across all bureaus of the agency. Ms. Garcia also leads the Comptroller’s Advisory Council on Economic Growth through Diversity and Inclusion – a group comprised of national, local, corporate, and government experts seeking to increase supplier diversity in the public and private sectors.

Latina Leader of May: Alicia Puig 

Alicia Puig, Co-founder of PxP Contemporary.

In May, Alicia Puig introduced us to the world of digital art galleries as the COVID pandemic kept us stuck at home. Alicia co-founded  PxP Contemporary with artist Ekaterina Popova. The platform was founded as a fully digital art gallery that connects collectors with high-quality, affordable artworks. Alicia and Ekaterina created PxP as a way to challenge the traditional art gallery model and make the process of buying art a more accessible, digital-friendly experience. And it came at the perfect time too! 

As we all became confined to our homes, the PxP gallery provided an escape from our boredom. The digital gallery, even in non-COVID times, is also a great way to make art more accessible to everyone. 

“It was a deliberate choice that we embraced being fully digital from the beginning, and I’m glad we did,” Alicia said. Additionally, PxP strived for inclusivity of all identities in the artists they represent. “Being a minority and understanding what it’s like to not have certain advantages helped Kat and I identify a gap in our industry and seek to address it via our gallery.” 

Looking back, we are so glad to have had PxP brighten our lockdown with beautiful, diverse art. 

Latina Leader of June: Albania Rosario

Albania Rosario, founder and CEO, Fashion Designers of Latin America.

In June, Albania showed us the power of innovation and adapting to our new post-COVID world. As more and more events were being canceled due to the pandemic, Albania and her team at Fashion Designers of Latin America (FDLA) were innovating and crafting new ways to bring their fashion show to New York Fashion Week. They decided to go virtual, creating a digital experience for audiences across the world. 

We were inspired by Albania’s perseverance during these tough times. Through FDLA, she helped support other struggling artists and designers, shining a spotlight on their stories and fundraising through her project “Las Caras Detrás De La Moda En Latino América.” The campaign features hundreds of video clips from designers across the globe telling their stories and testimonies about how the pandemic has affected their businesses and what they are doing to help.

“I strongly believe that every bad situation comes with a new opportunity but we must be ready to see it,” says Albania. “If we focus only on the negative, it will be impossible to find new opportunities. We have to face the obstacles that come across our path. This is what life is about.” 

Latina Leader of July: Jessica Asencio 

Jessica K Asencio

Jessica K Asencio (RIP) (Photo Courtesy of Jessica’s friends)

In July, we remembered and celebrated the life of Latina leader, Jessica Asencio.  Born in Ecuador and raised in Brooklyn, NYC, Jessica dedicated her life to supporting Latino-Hispanic causes and uplifting their voices in the workplace. Jessica became a D&I leader, and was recognized as a Diversity Champion at JPMorgan Chase.

She also served on the Global Adelante Board–JPMorgan Chase’s Latino/Hispanic Business Resource Group– and founded the Latino Networks Coalition (LNC), originally inaugurated in 2010 by JPMorgan Chase, Deloitte and Thomson Reuters. The coalition was launched with additional partners including American Express, Bank of America, Citibank, Credit Suisse and The New York Times.

Jessica was remembered by friends, family, and colleagues as an extraordinary and passionate leader who left a lasting impact on everyone she met.

“Jessica Asencio was an incredible diversity and inclusion leader and a leader in Hispanic causes, but most importantly she was an incredible friend,” said Patricia Pacheco de Baez, Bank of America HOLA NY Executive Advisory Board Emeritus Chair.

“Jessica made everyone feel we were part of something bigger than ourselves, even before knowing what we were a part of,” said friend and colleague Frank D. Sanchez. 

“She was a leader who led by example with optimism, strength, devotion, and focus,” says Alicia Garcia, friend, and Latino Networks Coalition’s Leader.

Latina Leader of September: Beth Marmolejos

In September, Beth Marmolejos was a champion for change. As a business leader, activist and advocate, Beth made her 2020 a time for collaboration. Some of her personal highlights of 2020 included community driven projects such as co-founding the FLAG (Front Line Appreciation Group) of Greater Wayne and advocated for the opening of the 1st Inclusion Playground in Wayne, NJ. Later in the year, Beth also co-hosted Latina In Business’  first Virtual 2020 Women Entrepreneur Empowerment Summit which gathered national and international speakers for an inspirational event focused on promoting “The Power of Collaborations in a Post-COVID World.”  

“Collaborations are vital to achieve success and soar! ‘The Power of Collaboration’ created a nеw energy that I felt was ‘bіggеr than our individual efforts.’ We effесtіvеlу put together resources, energy, tаlеntѕ and gоаlѕ to раvеѕ thе wау for thе ѕuссеѕѕ that we had рlаnned tоgеthеr achieving unexpected benefits,” said Beth. 

Beth’s personal mottos for getting through this year has been #RiseUpTogether. Together, we are all more powerful and successful. 

Latina Leader of October: Maria Elena Salinas

Maria Elena Salinas

Maria Elena Salinas, award-winning journalist and speaker.

In October, Latinas In Business hosted the Regain Our Latino Power event and we were honored to have award-winning journalist Maria Elena Salinas as keynote speaker. The event brought together influential Latino leaders to discuss important topics such as Latinxs essential workers, Latinxs and the economy, Immigration Reform, Deportations and Incarceration of Latino Children.

In a career that spans nearly four decades, Salinas has interviewed world leaders and covered virtually every major national and international news event of our time. Her work has earned the top awards presented in broadcasting, including multiple Emmys, a Peabody, Gracie Awards, the Edward R. Murrow Award and the Walter Cronkite Award for Excellence in Television Political Journalism.

While at CBS News, Salinas has contributed to the network’s coverage of the 2020 election including primetime coverage of Super Tuesday and the Democratic and Republican national conventions. Salinas also anchored the poignant CBS News documentary “Pandemia: Latinos In Crisis,” an hour-long, sweeping look at the Latinx community, along with other communities of color, who continues to bear the brunt of the COVID-19 pandemic while fulfilling essential roles across the country.

Her tremendous drive, talent, and success is truly an inspiration to us all. 

Latina Leader of November: Maria Piastre

In November Maria Piastre reminded us that success is possible, even in traditionally male-dominated industries such as the metal industry. President of  Metallix Refining Inc. Maria said, “The only limits are the ones you set yourself.” 

When Maria first joined Metallix in 2006, she never thought she would one day be President. However, through perseverance and hard-work, she climbed the ladder and found herself in that very position today. Her story reminds us all that nothing is impossible. 

Throughout her early career, Maria’s tenacity for success and recognition became her armor against the many inequalities she would encounter. Later these inequalities would form the foundation for future campaigns and ultimately help her achieve her goals and dreams.

She shared with Latinas In Business, “As an immigrant to the US, I know only too well the challenges we all will encounter, especially for minority groups. The road will not always be smooth, and regardless of your cultural background, you should believe in yourself, your self-worth, your ability to succeed and that your qualities will always shine through to achieve rewards.” 

Latina Leader of December: Mariela Dabbah

Mariela Dabbah, TEDx and International speaker, award-winning, best-selling author and go-to corporate authority for Fortune 500 companies. 

Finally, this month, TEDx and International speaker, award-winning, best-selling author, Mariela Dabbah, showed us that the fight for gender equality in the workplace is far from over. The pandemic unfortunately has had adverse effects on working women. Mariela shared some of these insights with us, speaking on how many women and minorities have been disproportionately impacted by COVID-19. 

Recent research shows women have been much more affected by the pandemic, with one in four considering downshifting their careers or leaving the workforce. 

“This is connected to the fact that women and particularly women with diverse backgrounds and with disabilities have less resources needed to support them at this time. Primarily, reasons include women tending to be the person in charge of childcare, but also, they generally make less than their male counterparts. When a decision needs to be made of who in the household will quit their job, it’s usually women,” said Mariela. 

Amid these statistics, Mariela and her team rose to help women struggling through this time.

“We launched the #InclusionIsNotOnPause initiative to remind everyone that we needed to keep our eyes on the gender-inclusion ball or we’d lose a lot of our hard-earned gains of the past few decades. This initiative provides a set of tactics that organizations can implement to openly show their support for inclusion of all its talent.”

As we enter the new year, let us all remember the lessons and wisdom we have learned from our Latina leaders and carry these insights into the new year. We can’t wait to see what more we will learn in 2021. Wishing you all a happy and healthy New Year! 

Jessica K Asencio

The power of community, the legacy of D&I leader Jessica K. Asencio (RIP)

All loses of loved ones sadden us, making us reflect on how ephemeral life is. However, sometimes we are impacted by the loss of someone special, who went above and beyond to make a difference in this world, and for that, she will always be remembered. I am honored and humbled to be part of this beautiful celebration of Jessica K. Asencio’s life. Susana G Baumann, President and CEO, Latinas in Business Inc.

  What we have once enjoyed we can never lose; all that we deeply love becomes a part of us.” – Helen Keller

Jessica K Asencio (RIP) (Photo Courtesy of Jessica’s friends)

Today we take a moment to celebrate the life and legacy of Jessica K. Asencio. Born in Ecuador and raised in Brooklyn, NYC, Jessica dedicated her life to supporting Latino-Hispanic causes and uplifting their voices in the workplace. Jessica became a D&I leader, and was recognized as a Diversity Champion at JPMorgan Chase.

She also served on the Global Adelante Board–JPMorgan Chase’s Latino/Hispanic Business Resource Group– and founded the Latino Networks Coalition (LNC), originally inaugurated in 2010 by JPMorgan Chase, Deloitte and Thomson Reuters. The coalition was launched with additional partners including American Express, Bank of America, Citibank, Credit Suisse and The New York Times.

Jessica K Asencio’s leadership

“Jessica Asencio was an incredible diversity and inclusion leader and a leader in Hispanic causes, but most importantly she was an incredible friend,” says Patricia Pacheco de Baez, Bank of America HOLA NY Executive Advisory Board Emeritus Chair.

“She was such an influential leader,” describes fellow colleague and friend, Hedda Bonaparte.

“She was a leader who led by example with optimism, strength, devotion, and focus,” says Alicia Garcia, friend, and Latino Networks Coalition’s Leader.

“You were our very own fearless leader,” says friend and HISPA founder and CEO, Dr. Ivonne Diaz-Claisse.

Across all testimonials from friends and colleagues, this sentiment reoccurs. Jessica was an extraordinary and passionate leader who left a lasting impact on everyone she met.

Latino market growth

Banking on Latinos for Growth – LNC Executive Board members & speakers: (left to right) Patricia Pacheco Baez (Bank of America Director), Roberto Peralta (Societe Generale Head of Institutional Client Relations, Roberto Ruiz (Univision EVP & event sponsor), Jessica Toonkel (Reuters News Correspondent), Alicia Garcia (LNC Executive Board Co-Chair), Christian Narvaez (Societe Generale Vamos Latino Network), Rosa Ramos-Kwok (Bank of America MD), Carlos Hernandez (J.P. Morgan Head of Global Banking & lead host sponsor), Juliana Gomez (Univision Director), Jessica K. Asencio (LNC Board Founder & LNC Univision Program Steering Committee Co-lead), Lili Gil-Valletta (CulturIntel CEO & Co-founder), Henry Agusti (Bank of America Head of Digital Banking), Don Perez (LNC Executive Board Member & Program Leader), Alex Reyes (Citrin Cooperman Partner), Flavio Cosenza (Chase Bank Executive Director of Marketing), Charles Neugebauer (LNC Univision Program Steering Committee Co-lead)

At JPMorgan Chase, Jessica K Asencio served as the Global Markets Corporate & Investment Bank CAO, where she was responsible for overseeing global talent management, training, and leadership development. Prior to this role, she also served as Vice President for Corporate Marketing & Communications. In all her various roles at JPMorgan Chase throughout her career, she was responsible for developing and implementing firm-wide marketing and communications programs designed to support strategic initiative and key areas of focus. And as with all her work, she always approached every project with a vibrant, optimistic energy.

“I have known Jess since December 2001 when I moved to NYC to work on a high priority project, and Jess represented the Communications Team for JPMC Latin America,” says dear friend and JPMC Colleague, Don Perez. “I was profoundly amazed with her energy, positive attitude, desire to make a difference, commitment and honesty, all testaments of her spiritual strength.”

Jessica K Asencio with friends and LNC Board Members Alberto Flores, President at XP Contractors Inc. and Don Perez, former colleague at JPMorgan Chase (Photo courtesy LNC)

At the time, Jessica was already involved with the JPMorgan Chase Women’s Initiative Network but not yet with Adelante. When Don Perez became Chairman of the Hispanic/ Latino employee group a few months later, Jessica was one of the first people he recruited.

“I needed all the elements of her spiritual side and positive influence with other members to include JPMC Executives,” says Don. Jessica’s tremendous energy was so valuable and necessary to all the work she did that everyone who worked with her recognized it instantly.

Jessica K Asencio

Jessica K Asencio, LNC Executive Board Chair and Founder, and Vice President, Corporate & Investment Bank CAO at JPMorgan Chase speaking at “Banking on Latinos for Growth: Breaking the Code” forum. (Photo courtesy LNC)

“She opened her network to me and many others, which I am grateful for,” says Alicia Garcia, Senior Program Manager, Customer Proposition PMO (Trading & Regulation), and Refinitiv Latino Network Global Co-Chair. “The LNC was started by sharing best practices across our Latino BRG/ERGs and bringing us together as a ‘familia’ under one voice. Her legacy will continue as her values are ingrained across our LNC members and partners.”

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“Jessica K Asencio was a caring, sharing, and an inspiring Latina leader who was committed to Hispanic inclusion at JPMorgan Chase. Through her visionary initiative, she brought together Latino employees resource groups from multiple NYC companies when she co-founded the Latino Network Coalition. The Hispanic Association on Corporate Responsibility (HACR) partnered with Jessica on many occasions, including her annual toy drive charity event during the holiday season. I was proud to call her my friend. She will be very missed. May she rest in the peaceful arms of the Lord,” Cid Wilson, President & CEO, Hispanic Association on Corporate Responsibility (HACR) also shared.

Jessica and the power of community

Jessica believed in the power of community. We are stronger together than apart. In the world of business, people are often told they must be separate, individual, and independent to stand out and get ahead. Our Western society at large constantly feeds us this idea of the individual, making us believe that to be strong we must not rely on others or seek help. But that was not Jessica’s message. As a diversity and inclusion leader, she lived by the incredible power of communities and the importance of standing together. And her communities became “familia.”

“She always focused on the good in each person and that was her biggest strength. Her patience and admiration for people was unconditional. She always supported all the different groups and Latino/Hispanic associations with her entire heart and insisted for all of us to do the same,” says Patricia Pacheco de Baez, Director in Corporate Investment Bank at Bank of America, and HOLA NY Executive Advisory Board Emeritus Chair. “I recall her calling me over and over again to support many groups because she used to say ‘If we don’t do it, as Latino/Hispanic professionals, then who will?’ Her theory was that each of us have an obligation to stand up for each other and for our organizations.”

LNC Puerto Rico and Mexico Hurricanes’ Fundraiser at Copacabana 2017 (Photo Courtesy LNC)

“Inclusion is what comes up for me,” says Lucy Sorrentini, Founder & CEO of Impactful Consulting. “Although she and I had never met before, it was as if I knew her my whole life. She taught me what it really means to be in a community and how to lead as a servant leader. It was never about her. It was all about the cause.”

When working on the Adelante Board, Hedda says, “Her enthusiasm and commitment to make us the top Networking Group was so invigorating that she took us all on the same journey.”

Her influence was such that she could bring people together like no other. Everywhere she went, she made lifelong connections and helped others do the same.

“I met Jessica at the Women of ALPFA workshop in 2016,” Oneida Nolly Araujo shares. “Since then, I was impacted by her diligent and effective leadership. She always was willing to help anyone with a smile on her face. After the convention, Jessica became my mentor and more than my mentor, my lovely and dear friend for a lifetime.”

“She was a remarkable and gifted connector, introducing people with similar backgrounds, experiences, interests, upbringings. Always thinking of others first,” says Frank D. Sanchez, who met Jessica in 2011 after moving to NYC from Colorado. “Jessica made everyone feel we were part of something bigger than ourselves, even before knowing what we were a part of.”

“Her desire to elevate the power of our community in numbers combined with her ability to create consensus and bring us together as leaders will forever be remembered,” says Lili Gil Valletta, CEO & Co-Founder of CIEN+.

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Jessica’s legacy on building relationships

As a diversity and inclusion leader, Jessica was naturally a connector. She was passionate about connecting people and building relationships, and she made lifelong connections with everyone she met.

Months ago, Jessica asked her friend Ivonne, “What word comes to mind when you think of me?”

Instantly, Ivonne typed: LOVE. Jessica radiated LOVE toward everyone. LOVE filled her work as she put it into every project.

“You were, you are, and you will forever be LOVE to me and to all of those who had the good fortune of meeting you,” Ivonne writes. “Your LOVE is an example to all of us, your LOVE is something I will never forget.” As the founder of HISPA, Ivonne will ensure Jessica’s legacy of LOVE lives on by giving the “Jessica K. Asencio Scholarship” at the next New York City HISPA Youth Conference.

Latino market growth, Jessica K Asencio

(L to R) Maria de los Angeles Corral, Education for Excellence; Alicia Garcia, Reuters; Charles Neugebauer, Univision; Jessica K Asencio, LNC; Susana G Baumann and Tathiana Carrasco, Latinas in Business Inc. (Photo Latinas in Business Inc.)

The communities and relationships Jessica built will not forget her. Her legacy lives on through them. She will be remembered as a courageous and influential diversity and inclusion leader. She will be remembered for her positive energy, her kind soul, her genuine attitude, and her love and commitment toward building communities and uplifting Latino and Hispanic voices.

“She built a legacy on relationships,” says Jonathan Wunderlich, Dream Project Development Director. “I only hope I can follow in her footsteps and continue to listen, to care, and build from there.”

We can see in her testimonials the impact she had on just a few of the many people who were lucky enough to know her. Her relationships have spanned decades, and even with those she only just met, it often felt they had known each other forever.

“Jessica taught us the power of friendship and showed us how to genuinely live life to its fullest,” says Frank D. Sanchez, from Rhode Island College.

Jessica’s glowing personality

Jessica’s warm smile drew everyone in. She was always genuine, enthusiastic, and ready to help others.

“My initial impression [of Jessica] was someone with a huge smile and equally huge heart,” shares Lucy Sorrentini, who met Jessica 4 years ago at a social gathering for members of the LPC (Latina Philanthropy Circle). “She was warm, down to earth, committed to diversity, equity and inclusion, an ambassador for and on behalf of the Latinx community, a kind soul, and an incredibly intelligent woman who was on a mission to create real change. After we met, her first words were ‘I’ve heard so much about you and the LPC, how can I help?”

This is the type of person Jessica was, one who was always willing and ready to lend a helping hand, and to do so with love and dedication. She took people under her wing, like Hedda Bonaparte, who was one of the many lucky individuals who Jessica mentored throughout her many projects.

DREAM Project

Members of the LNC Board including Alicia Garcia (Thomson Reuters), Patricia Pacheco de Baez (Bank of America), Susana G Baumann, (Latinas in Business Inc.), Junot Diaz (2008) Pulitzer Price for Fiction,  and Jessica K Asencio. (Photo courtesy LNC)

“I don’t believe that Jessica ever gave up the chance to help inspire and bring someone along with her,” says Hedda. “She taught me not to be afraid to show my abilities and what I can bring. I will miss Jessica especially for the warm, inviting smile she always shared and the hugs that followed. Her famous goodbye: ‘un fuerte abrazo’ I send to you, my friend.”

Patricia Pacheco de Baez and Jessica K Asencio, LNC Board Members and best friends (Photo Courtesy LNC)

“With her dedication to philanthropy, her vision, kindness, and authentic approach, Jessica was never a ‘let me get back to you’ person,” says Jonathan Wunderlich. “She was a ‘does a coffee at 4:30 PM Friday work?’ type of person. She was a straight-talker, a truth-teller, so when Jess said she would do something, it got done. She taught me to inject love into what we do, to be real, and avoid getting caught up in the casual side of connections in NYC and the world of giving back. She taught me to fight when it was time, but to always draw opposition in love, care, and attention.”ns

“Life is short and our legacy is created while we are living on earth. Hers is one many of us will remember forever,” says Lucy Sorrentini.

“She was my biggest cheerleader,” shares best friend, Patricia. “My confidant and my big sister who believed in me more than I believed in myself at times. She encouraged me to reach out to the stars and to always push to become the best version of myself. She has left such an emptiness, but her teachings and her love toward us will stay forever in our hearts. We will continue pushing forward the agenda of the advancement on the Latino/Hispanic causes and we will continue her hard work and build on her legacy. May you rest in peace, Jessica, and we will always remember you every step of the way.”

Jessica, the testimonials of your friends and colleagues are the mark of a life, while short, very well-lived. Your work and legacy will continue on in the power of the communities you built and the lives you touched.

This article was a collaboration between Victoria Arena, Editor, and Susana G Baumann, Editor-in-Chief,