Juan Azel
Partner
Co-Chair, FinTech, Banking, and Payments Group
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.
Key Matters
Some of the experience represented below may have been handled at a previous firm.
- Advising and assisting domestic and foreign financial institutions and FinTech companies.
- Served as Deputy General Counsel and Chief Compliance Officer for Cross River Bank, partnering with some of the largest FinTech companies in the world to develop, offer and deliver to both consumers and businesses cutting-edge Fintech banking products and services, including marketplace lending (MPL), banking-as-a-service (BaaS), cards, payments, and digital assets.
- Served as General Counsel for Standard Chartered Bank (Americas – Private Bank) and BBVA Private Bank (Americas) where he advised on banking and consumer/financial crime compliance laws and regulations, wealth management, M&A, lending, and supervision and examinations.
- Advised and assisted numerous financial institutions with federal and state supervisory examinations and the development and implementation of corrective action/remediation responses to supervisory concerns and enforcement actions. Experienced in communicating with federal and state regulators, including the OCC, CFPB, FRB, FDIC, FinCEN, Treasury/OFAC, NYDFS, NJDOBI, and Florida Office of Financial Regulation (FOFR).