Biography
Raphael advises clients on foreign exchange, payment method, fintech and banking regulation matters, as well as on structured finance transactions, including project & acquisition finance and syndicated loans. He is one of the main market names for regulatory counselling on foreign exchange, working with financial institutions and fintechs that operate in this ecosystem. He is also praised for his practice in new initiatives of the sector, and has participated in the implementation of open banking, instant payments (PIX) and review of the new legal foreign exchange framework, besides having closely collaborated with the regulator in defining the credit fintech regulation.
He holds a bachelor’s degree in law from São Paulo University, an LLM in commercial law from the University of Deusto and University of Tilburg (Spain/Netherlands), and an LLM in banking law from the University of Strasbourg (France). He is fluent in Portuguese, English and French.
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