Banking and Finance

Legal structure supporting your company

ROC provides advice to financial institutions, mainly banks and entities in the process to become a bank, in a variety of regulatory and compliance matters across a full spectrum of services, covering law initiatives, developing and implementing compliance processes, evaluation and implementation of new products or processes, and regulatory procedures before banking regulators.

Regulatory Advisory

We deliver creative and innovative solutions to navigate efficiently both internal and regulatory procedures before banking regulators, supporting our clients to handle strategic transactions and regulatory matters in the financial services space.

Our clients include national banks, digital banks, nonbank lenders, commercial entities (entidades comerciales), finance companies, asset managers and investment advisers.

‍Compliance

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Regulatory audit and compliance strategies
Audit and authorization of suppliers and commission agents, in accordance with Chapter XI of the General Rules Applicable to Banks
Development of internal manuals and policies
Continuous compliance monitoring and legal risk assessment

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Transactional

Structuring and negotiation of mergers and acquisitions, as well as traditional or structured financing
Legal advice on collateral structures for credit operations
Regulatory impact planning and market entry requirements for Mexico
Cross-border (cross border) transfers of information and personal data

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Servicios clave

Alcances del servicio

Transaction Structuring

What we solve: Defining the legal structure of financial transactions in accordance with regulatory requirements.

Includes: Regulatory feasibility analysis and transaction design.

Deliverables: Legal structure of the transaction and applicable regulatory criteria.

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Transaction Negotiation

What we solve: Defining and adjusting legal terms in financial transactions.

Includes: Participation in contract and terms negotiation.

Deliverables: Agreed contractual documentation.

Collateral Documentation

What we solve: Formalizing collateral in credit operations in accordance with regulations.

Includes: Preparation of security documentation.

Deliverables: Guarantee documentation.

Vista desde abajo de un puente colgante con cables paralelos y un mástil central que se extiende hacia un cielo azul claro.

Superficie dividida en secciones rectangulares, con una sombra diagonal que separa un lado oscuro y otro blanco de la pared.

Escultura de hierro con forma geométrica angular en perspectiva contra un cielo claro con el sol brillantemente visible detrás.

Corporativo-Contractual / M&A

Casos destacados

Onboarding KYC lento y alto rechazo

Rediseño de KYC: campos mínimos y validaciones en origen, matriz de evidencias, reglas de riesgo por segmento y playbook de excepciones. Resultado: TAT <12 h y mayor tasa de aprobaciones.

Vista arquitectónica minimalista de columnas cilíndricas grises y paredes de metal bajo una estructura arqueada que proyecta sombras sobre el piso de baldosas.

Corporativo-Contractual / M&A

Casos destacados

Padel Galis Mx — actualización y negociación contractual

Actualizamos el ecosistema contractual: diagnóstico de formatos, plantillas maestras (cliente/proveedor), límites de responsabilidad y penalidades, aprobación/firma y playbook de negociación con contrapartes.