Deloitte Legal‘s financial services regulation practice in Spain is structured around four key pillars: banking, capital markets and investment services, insurance, and payment services. Renowned for its expertise in navigating complex international regulatory projects, the team is the trusted adviser to a diverse client base, including traditional banks, payment entities, fintechs, blue-chip companies, and industrial clients developing crypto and financial products. Led by Francisco Ramírez Arbués, the team excels at the intersection of tech law and financial services. Ramírez Arbués is a recognised expert in digital and retail banking, who frequently advises on the launch of innovative financial products and the implementation of new financial regulations. Manuel Gómez Gilabert brings extensive experience in banking regulation, financial instruments, and the restructuring of financial entities. Additional key figures include Inés Gutiérrez, a specialist in regulatory compliance, and Miguel Bercedo, noted for his expertise in payment regulations and related projects.
Testimonials
Collated independently by Legal 500 research team.
‘The most important thing is that Francisco Ramírez has assembled a leading team in financial regulation from scratch. Francisco has not only rebuilt the department, but has placed it among the most prominent.'
‘Francisco Ramírez has a knowledge of financial regulation that few lawyers have. Miguel Bercedo and Inés Gutiérrez stand out in his team for their excellent progress, dealing with clients and knowledge of regulation.'
Key clients
- CaixaBank, S.A.
- Banco Santander, S.A
Work highlights
- Advised Santander Consumer Finance on the successful launch of the on-line deposit gathering business (Suresse) in different jurisdictions, including regulatory and commercial legal advice.
- Provided Waylet (one of the top loyalty programs in Spain, with around 7mio users, sponsored by Repsol Group) with regulatory and legal advice in relation to current activities and, in particular, in the strategic growth plan of the programme.