Career Biography

Florencia Tinoco Martínez is Senior Counsel (Director), Regulatory at Mastercard, leading regulatory matters across Mexico, Central America and the Caribbean. With over 10 years of experience in payments, fintech, digital banking and financial services regulation, she advises on the implementation of innovative payment solutions and emerging technologies across more than 30 markets.

Florencia is particularly recognised for her work on regulatory frameworks applicable to card payments, electronic payment services, open banking initiatives and fintech products, as well as her extensive engagement with financial authorities across Latin America.

Before joining Mastercard, she advised banks, fintech companies and other financial institutions on regulatory and transactional matters in private practice in Mexico. She also gained in-house experience at BBVA and through a secondment with Citibanamex’s Digital Banking legal team, where she advised on digital banking and fintech initiatives.