Bello, Gallardo, Bonequi y García, S.C.

Banking, Finance, Fintech and Compliance

BELLO, GALLARDO, BONEQUI Y GARCÍA, S.C. (“bgbg”), Mexico City, Mexico. 2005 - to date

www.bgbg.mx

Position - Partner and Head of the Banking, Finance, Fintech, and Compliance practice areas at bgbg, where he leads the firm’s advisory work in banking regulation, financial operations, fintech structures, compliance programs and anti–money laundering strategies. He also directs bgbg’s Legal Translation Practice (English–Spanish–English), ensuring precision and consistency across multilingual legal documentation.

He is widely recognized for his expertise in financial regulation, fintech law, anti–money laundering compliance, and securities matters, advising both Mexican and international financial institutions on complex regulatory and transactional projects.

Throughout his career, Miguel has advised banks, brokerage firms, investment funds, fintech institutions, payment aggregators, non-bank financial entities, and insurance companies on a broad range of legal matters. His projects regularly involve regulatory licensing, authorization processes before financial authorities, design of innovative credit and payment structures, compliance with anti–money laundering (AML) and counter-terrorism financing obligations, securities offerings, and cross-border financing transactions.

He has participated in the structuring and incorporation of regulated and non-regulated financial institutions, including SOFOMES, SOFIPOS, fintech entities under the Fintech Law, and representative offices of foreign banks in Mexico, providing comprehensive advice on their operational, corporate, and compliance requirements.

Miguel also leads teams responsible for regulatory audits, AML risk assessments, design and implementation of compliance programs, manuals, and internal control frameworks, as well as the representation of clients before supervisory authorities, including the National Banking and Securities Commission and Ministry of Finance.

In addition to his transactional and regulatory practice, Miguel plays an active role in policy and industry discussions related to financial innovation, digital compliance, and risk management, contributing to publications and events on fintech, AML regulation, and financial governance.

He also serves as Latin American Regional Forum Liaison Officer of the Banking Law Committee of the International Bar Association (IBA) for the 2023–2025 term, reinforcing his leadership and global perspective in the field of financial law.

Through his work, Miguel has established himself as one of Mexico’s foremost experts in the intersection of finance, technology, and compliance, recognized for his analytical precision, strategic vision, and commitment to excellence. His multidisciplinary approach continues to strengthen bgbg as a reference firm for financial regulation and fintech in Mexico and Latin America.

Spanish and English

Miguel Gallardo Guerra maintains an active presence in several professional, academic, and corporate organizations in Mexico and abroad, reflecting his leadership in the areas of banking, finance, fintech, and compliance. His memberships and appointments include:

International Bar Association (IBA) – Latin American Regional Forum Liaison Officer of the Banking Law Committee (2023–2025). In this role, Miguel contributes to the development of best practices in banking and financial regulation across Latin America, fostering cross-border dialogue between leading practitioners and institutions.

Mercado Libre México, S. de R.L. de C.V. – External Board Member and Legal Advisor on Regulatory and Compliance Matters. Provides guidance on fintech operations, digital payment systems, and AML compliance within the group’s financial subsidiaries.

Interlinked, S.A.P.I. de C.V. – Board Member. Advises on strategic planning, regulatory compliance, and financial structuring for the company’s operations as a mobile virtual network operator and fintech service provider.

Juntos Financiera, S.A. de C.V., SOFOM, E.N.R. – Board Member and Compliance Advisor. Oversees regulatory adherence, AML policy implementation, and strategic growth initiatives for the institution’s financial inclusion programs.

Seguros Sura México, S.A. de C.V. – Independent Legal Advisor. Provides specialized advice on regulatory compliance, risk management, and financial innovation initiatives within the insurance and investment divisions.

Recognized for ten straight years among the best banking and finance lawyers in Mexico by several international publications such as Latin Lawyer, Chambers & Partners, Best Lawyers and IFLR 1000, among others.

Certified by the National Banking and Securities Commission as an AML expert and Certified by the National Insurance and Bonding Commission as a contract insurance expert.

Through these memberships and advisory positions, Miguel Gallardo Guerra actively contributes to the advancement of financial regulation, compliance, and digital innovation in Mexico and Latin America, fostering collaboration among legal professionals, regulators, and the private sector.

(Ph.D.) in LawUniversidad Anáhuac de México2023 – In progressMiguel Gallardo Guerra is currently pursuing a Ph.D. in Law at Universidad Anáhuac de México, where his doctoral research focuses on the evolution of regulatory frameworks in the banking and financial technology (fintech) sectors. His thesis analyzes the impact of digital innovation on financial regulation, compliance, and institutional governance, contributing to the academic and practical development of modern financial law in Mexico.

Master of Laws (LL.M.) in Comparative JurisprudenceNew York University School of Law, New York, United StatesMay 2001Miguel earned his Master of Laws degree in Comparative Jurisprudence from the prestigious New York University School of Law, one of the world’s leading centers for international legal studies. His academic focus included comparative financial regulation, international transactions, and economic law. He was distinguished as a Fulbright Scholar and also received scholarships from FUNED, CONACYT, and Universidad Iberoamericana, reflecting his academic excellence and leadership potential.

Bachelor of Laws (LL.B.)Universidad Iberoamericana, Mexico City (Campus Santa Fe)1992 – 1997Miguel completed his undergraduate law degree at Universidad Iberoamericana, one of Mexico’s most respected academic institutions. During his studies, he developed a strong foundation in corporate, financial, and administrative law, as well as a deep interest in the relationship between legal systems and economic development. His education at Universidad Iberoamericana provided the base for his future specialization in financial and regulatory law, setting the groundwork for his professional and academic trajectory.

Through this combination of national and international education, Miguel Gallardo Guerra has built a distinguished academic profile that bridges Mexican and global perspectives on financial regulation, fintech, and compliance, reinforcing his reputation as one of the country’s leading legal experts in the financial sector.

Nationality: Mexican

Mobile: 5554145554

Outside his professional practice, Miguel Gallardo Guerra enjoys activities that foster creativity, balance, and personal growth. He is passionate about traveling, discovering new cultures, and exploring the intersection between art, music, and technology, which often inspire his innovative approach to legal problem-solving. Miguel also values time outdoors and engaging in sports that promote discipline and focus, maintaining a healthy equilibrium between his professional and personal life.