Renata Cardoso, widely regarded as a leading reference in the Brazilian market for both high-value financing transactions and complex banking regulatory work, leads Lefosse Advogados’ banking and finance group. The practice advises established domestic and international financial institutions as well as new entrants in the payments and technology sectors on both transactional and regulatory matters. The team demonstrates particular strength in structured and acquisition finance and debt restructuring, while also regularly advising on M&A, strategic alliances, and joint ventures within the financial services sector. Kenneth Ferreira is especially active in structured finance and regulatory work involving the Central Bank; and Carla Rossi focuses on project finance. Fabio Perez is no longer at the firm.
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+55 11 3024 6221
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Profile

Profile

Work Department
Banking and Finance
Position

Partner

Career

Renata is a partner in Banking and Finance at Lefosse.

She has extensive experience in Banking and Capital Markets in Brazil both in transactional and regulatory matters. Renata has advised issuers and coordinators on some of the most complex debt and securitization offerings in Brazil. Her experience also includes legal advice on M&A transactions in the financial and payments sector. This includes the US$5.6 billion acquisition of HSBC Brasil by Banco Bradesco, the credit card joint venture between Banco do Brasil and Cielo to the value of US$4.4 billion, the joint venture between UBS and Banco de Brasil for the investment banking and brokerage businesses. She has also worked on many other transactional and regulatory matters involving financial institutions, fintechs and payment institutions.

Renata has a degree in Law from USP (Universidade de São Paulo) and a Master’s in Banking Law and International Financial Law from IBMEC (Instituto Brasileiro de Mercado de Capitais).

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Testimonials

Collated independently by Legal 500 research team.

  • ‘This team not only understands the law, but understands potential issues that may impact a transaction as well as the application of the law- they are quite proactive. ’

    ‘Renata Cardoso is spectacular! She is keenly aware of both the legal implications of a matter, knows what is "market" and can advise in connection with potential regulatory changes- she is on the pulse of what is happening in Brazil and also a good resource for Latin America.’

Key clients

  • Nuvei Totvs Apex Santander ABN Amro Clearing BMW Finance Itaú Quadra Bradesco PagBank Citibank Syngenta Bunge LBBW - Landesbank Baden-Württemberg Morgan Stanley Bank Of America Marfrig

Work highlights

Acted as special Brazilian counsel to BlaBlaCar group (via Comuto S.A. and Comuto Serviços de Tecnologia) on a €100m revolving facility with BNP Paribas, HSBC, and others for corporate purposes.