PANAMA Law and Practice Contributed by: Kharla Aizpurua Olmos, Roberto Vidal, Miguel Arias and Eduardo Oteiza, Morgan & Morgan
Morgan & Morgan is one of Panama’s largest and most recognised full-service law firms, with roots dat - ing back to 1923. Its fintech practice, consisting of over ten legal professionals, assists traditional play - ers in the banking and financial sectors that are get - ting involved in fintech developments, as well as new market players with innovative technology developed in finance and other niches such as e-commerce and crowdfunding schemes. It helps clients navigate all types of banking and finance, regulatory, technology, cybersecurity and data protection work, considering
Panama’s underdeveloped legal framework, so that they can thrive in their operations in the country. This has been imperative in its continued effort to support its clients in their digital transformation and response to this new era, especially in post-Covid stages. Cli - ents the firm has assisted include PedidosYA (Deliv - ery Hero), Oracle, Latam Digital Marketing (Google), MFTECH, S.A. (Mercantil Group), Wompi (Banco - lombia Group), Coinflip, Elaniin Tech Company, Mer - candú, Kuara, Insurama and Pomelo Technologies, among others.
Authors
Kharla Aizpurua Olmos is a partner and leads the B&F and Data Protection practice areas at Morgan & Morgan. Kharla regularly advises on local and cross-border financing transactions. Kharla has been involved in operations
Miguel Arias is an associate in the Corporate & Commercial Law, B&F, M&A, Real Estate, Project Development & Public Procurement, Data Protection and Securities & Capital Markets practices at Morgan
related to syndicated loans, acquisition finance, public project financing (transportation and energy), securitisations, public issuances and M&A, and advisory services related to the telecommunications, fintech, start-up and e-commerce sectors, compliance, cybersecurity and data protection. As leader of the firm’s start-up service line, she has advised clients at different stages of investment on their growth plans in Panama, including industries such as fintech, technology and telecommunications. Previously, she worked as an associate in the corporate law department of Garrigues, Spain.
& Morgan. He regularly represents clients in matters related to syndicated loans, acquisition finance, public project financing, capital markets, M&A, insolvency, start-ups, fintech, technology and e-commerce. As a member of the firm’s start-up service line, he has advised clients at different stages and rounds of investment. Prior to joining the firm, Miguel worked as an international law clerk in the Latin American corporate law and international arbitration departments of the major US law firm Holland & Knight in Miami, Florida.
Eduardo Oteiza is an associate in the Corporate & Commercial Law, B&F, Securities & Capital Markets and M&A practices at Morgan & Morgan. His practice focuses on transaction structuring, corporate financing,
Roberto Vidal is a partner and co-leads the Corporate & Commercial Law and M&A practice groups at Morgan & Morgan. With over 16 years of experience, he specialises in banking law, insurance law, project
regulatory compliance, and advising on local and cross-border M&A deals. Before joining the firm, he worked at a law firm specialising in corporate and transactional matters, where he advised on capital markets operations and the structuring of complex financial transactions. He also built a career in investment banking at a leading Panamanian financial institution, gaining experience in financial and credit analysis, fund administration and portfolio management.
finance, M&A, capital markets and regulatory matters. Roberto has participated in and led transactions in various industries and has also assisted local and international clients in the fintech industry with regulatory matters regarding the implementation of fintech products and tools in Panama, such as e-wallets, exchanges and payment service providers. Prior to joining the firm, he worked as an international associate at White & Case in Miami, Florida.
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