Legal Solutions with an Insider’s Edge.
Strategic partner, bringing focus and expertise in the following areas
Fintech Product Strategy
Collaboration with domestic and international product teams to design and adapt innovative financial products in compliance with applicable regulations.
Deep regulatory analysis of investments, crypto and commodities to be enabled within innovative fintech platforms.
Negotiation with regulators to maintain credit products within an IFPE account environment, ensuring operational continuity.
Regulatory structuring for contract and account transfers enabling a seamless migration to a regulated financial institution (SOFIPO).
Creative structuring of novel credit offerings, including installment-based credit card repayments, and modernization of outdated regulatory processes to accommodate innovative products.
Regulatory Compliance & Licensing
Multi-country LATAM regulatory reviews ensuring compliance for cross-border fintech products.
Negotiation of key provisions in the Mexican Fintech Law.
Structuring and execution of licensing strategies, including IFPE operations, migration to SOFIPO, and bank license preparation.
Regulator negotiations for optimized license approvals and operational transitions.
Critical provider regulatory approvals enabling full digital transformation of regulated financial institutions.
Corporate & Commercial Transactions
Sale of major manufacturing and industrial facilities in the consumer goods and coatings sectors.
Acquisition of a regulated financial institution (SOFIPO) with complex shareholder structure.
Financial leasing transactions for aircraft and other high-value assets.
Acquisition of Mexican operations of multiple international payment and remittances service providers.
Cross-border acquisition of a U.S.-based startup.
Structuring of partnerships with 20+ financial institutions across LATAM for cross-border funds flow.
Corporate Governance & Compliance
Design and implementation of Board and committee regulatory structures for multiple regulated entities.
Participation in Boards and committees, including as voting member of AML/Compliance Committees.
Corporate secretariat management across multiple jurisdictions, including U.S., Cayman Islands, and EU member states.
Design and implementation of Anti-Bribery and Corruption (ABC) compliance programs, integrated within corporate governance frameworks and codes of ethics.
Startups
Structuring significant equity and debt financing rounds.
Building multidisciplinary teams from the ground up, including Legal, Compliance, AML, and Internal Controls.
Establishing scalable corporate, regulatory, and operational frameworks from early stage through high-growth phases.
Guiding startups through market expansion, regulatory licensing, and strategic partnerships to achieve substantial scale.
Policy & Crisis Management
Strategic engagement with government and regulatory authorities on policy matters impacting fintech and financial services.
Advocacy and negotiation to shape regulatory frameworks in emerging financial sectors.
Development and execution of crisis response plans involving regulatory, operational, and reputational risk.
Coordination of multi-stakeholder communications during high-impact regulatory or public incidents.
Advisory on regulatory investigations and enforcement actions, ensuring alignment of legal, compliance, and public positioning strategies.
Hernán Garza
Lawyer and former Head of Legal at PayPal, Klar, and Revolut. I help fintechs, payment companies, and crypto projects navigate LATAM regulation with practical, business-focused legal solutions.
