Bio

Juan counsels and assists financial institutions and FinTech companies on the development, implementation and execution of sound, comprehensive risk management frameworks—including tailored consumer and financial crime compliance management systems (CMS)—that identify, manage and effectively mitigate the risks associated with the development, offering and delivery of cutting-edge FinTech products and services, such as marketplace lending (MPL) and buy-now-pay-later (BNPL), banking-as-a-service (BaaS), cards, payments and digital assets, whether conducted directly or through third-party relationships. Juan focuses his practice in FinTech, banking and consumer, and financial crime regulatory compliance. He has 25 years of both in-house and external counsel experience assisting domestic and foreign financial institutions and FinTech companies in regulatory compliance (both consumer and financial crime), direct and third-party risk management, supervision and examinations, governance, internal audit, investments, M&A, lending, capital markets, and corrective action/remediation responses to supervisory concerns and enforcement actions. Juan is also the General Counsel of FIBA (Financial & International Business Association). Prior to joining Winston, Juan served as Deputy General Counsel and Chief Compliance Officer at Cross River Bank, one the country’s most active FinTech financial services organizations, and as General Counsel for Standard Chartered Bank (Americas – Private Bank) and BBVA Private Bank (Americas).