Regulatory Perimeter

Determine exactly what licenses your model requires — and which you can legally avoid — before you invest in infrastructure.

Banking Access Strategy

Open doors with Bancolombia, Banco de Bogotá, and Grupo Aval for API agreements, fund dispersion, and payment initiation contracts.

GMF Exemption Structuring

Design transaction flows that qualify for Article 871 ET financial transaction tax exemptions, and prepare formal exemption request documentation.

AML & Compliance Programs

Build SAGRILAFT-compliant AML programs and transaction monitoring controls that pass banking partner due diligence.

Regulatory Classification

Determine whether your model is regulated as a VASP, payment service, or falls outside the perimeter — with formal legal opinion to present to banking partners.

Structural Design

Structure Colombian entities using mandate/agency frameworks, issuer/distributor separation, and cross-border holding structures to minimize tax and invoicing exposure.

AML/CFT for Virtual Assets

Design UIAF Reporte 75 procedures, travel rule compliance, and crypto-client onboarding protocols aligned to FATF standards and local SFC expectations.

Multi-Jurisdiction Structuring

Coordinate Colombia–Mexico–Bermuda structures, BMA DABA license applications, and multi-country regulatory surveys for VC and investor audiences.

Licensing Strategy

Map SEDPE, micro-lending, and full banking authorization pathways — and design the minimum regulatory footprint to launch your product legally.

Open Banking Contracts

Negotiate bank API agreements, fund dispersion contracts, and payment initiation arrangements with Colombia's major financial institutions.

Market Entry Architecture

Structure Colombian and regional entities for VC-readiness, foreign investment registration, and multi-bank account opening from day one.

Regulatory Monitoring

Track SFC circulars, BanRep resolutions, and legislative developments so your compliance team is never caught off guard.

Licensing Perimeter Analysis

Determine exactly when your consumer lending or spending product crosses into regulated territory — and how to structure it to operate without unnecessary licenses.

GMF Structuring

Design payment flows that qualify for financial transaction tax exemptions, reducing the cost burden on high-volume consumer product operations.

Scalable KYC/AML

Design AML programs and KYC frameworks that work at consumer volumes — including technology partner selection and SAGRILAFT compliance.

Cross-Border Product Launch

Advise on reverse solicitation, local entity requirements, and regulatory pathway for consumer products targeting Colombian and LatAm users from abroad.

Deal Structuring

Adapt SAFE agreements, FAST instruments, ESOPs, and convertible notes for Colombian legal requirements — including bilingual documentation for international review.

Corporate Flips

Restructure Colombian SAS entities into Cayman → US LLC → Colombian SAS holding structures for venture-readiness and international capital raising.

Cross-Border M&A

Lead due diligence, signing, and closing support for VC and M&A transactions across Colombia and the broader LatAm region.

Portfolio Regulatory Support

Provide ongoing fintech regulatory and compliance advisory for portfolio companies — the same expertise that serves as external GC for the region's leading fintechs.

Regulatory Compliance

Navigate Coljuegos requirements, consumer protection rules, and sector-specific AML obligations for gaming operators in Colombia.

Payment Infrastructure

Structure payment processing arrangements that satisfy both gaming regulations and banking partner due diligence requirements.

AML Program Design

Build AML/CFT programs calibrated for gaming transaction volumes, player risk profiles, and SAGRILAFT threshold requirements.

Regional Expansion

Support multi-market operations across Colombia, Mexico, Argentina, and Peru — with regulatory mapping for each jurisdiction's gaming framework.

Exchange Registration & Compliance

Advise on BMC and BVC broker registration requirements, operating rules, and ongoing Superfinanciera compliance obligations for exchange participants.

Structured Finance Vehicles

Design and document patrimonio autónomo, fiducia mercantil, and private capital fund structures for commodity finance, collateral management, and investor participation.

Brokerage & Trading Agreements

Draft and negotiate brokerage commission agreements, clearing arrangements, and commodity trading contracts aligned to BMC and BVC market rules.

Capital Markets Regulatory Advisory

Navigate Ley 964/2005 securities regulation, Decreto 2555/2010 compliance, and FCP governance requirements — drawing on direct prior experience as VP of Markets at BMC.