What are the most significant cases, projects and/or transactions that you and/or your legal team have recently been involved in?

The principal transactions and strategic projects in which my team and I have recently been involved include the following:

Second issuance under Banco Unión’s Commercial Paper Programme in the amount of Bs170,000,000 (One Hundred Seventy Million Bolivianos), including legal structuring and regulatory compliance.

Strategic Alliance Agreement for Fiat-to-Digital Asset Monetisation between Banco Unión S.A. (Bolivia) and EFY Technologies, S.A. de C.V. (El Salvador), involving the negotiation and legal structuring of a cross-border strategic partnership aimed at facilitating innovative financial services and digital asset-related solutions.

Legal advisory and regulatory compliance support in connection with the requirements established by the Financial System Supervisory Authority (ASFI) for the establishment of the “Grupo Financiero Unión”, including the analysis, preparation and coordination of regulatory documentation and corporate governance requirements. (Confidential matter)

How do you approach managing legal aspects during periods of instability or crisis to ensure the organisation’s resilience?

During periods of instability or crisis, it is essential to identify the root causes that have given rise to such circumstances, as well as the risks they may pose to the organisation.

Once this assessment has been conducted, a coordinated and collaborative approach becomes imperative, involving the development and implementation of action plans aimed at mitigating the identified risks.

In many cases, crises trigger regulatory and legislative changes intended to address and control their effects. Accordingly, the legal department must closely monitor any regulatory developments through specialised legal information sources and legal technology solutions. This enables the organisation to assess the implications of such changes, coordinate the necessary actions with the relevant business units, and implement any required amendments to internal policies and procedures, thereby ensuring ongoing regulatory compliance.

It is equally important to review the organisation’s contractual arrangements with third parties to ensure that the respective rights and obligations of the parties are clearly defined and that the contractual purpose is not adversely affected by the crisis. Where necessary, mutually agreed contractual amendments should be negotiated and executed to reflect the new circumstances.

Effective and transparent communication is a critical factor in successfully managing periods of instability. In this regard, organisations should operate under well-defined corporate governance frameworks that establish clear mechanisms and procedures for informing the various governing bodies—including the shareholders’ meeting, the board of directors, and senior management—thereby enabling them to make informed and strategic decisions in a timely manner.

Furthermore, information should be managed with transparency and accountability, ensuring continuous reporting and engagement with key stakeholders, particularly customers, in order to preserve and strengthen confidence in the organisation.

Finally, organisations should maintain robust business continuity policies and plans, succession planning frameworks, and emergency response protocols. The effective use of technology and monitoring tools is also essential to facilitate the continuous assessment of evolving circumstances and to enable the timely adoption of appropriate mitigation measures.