Keen knowledge of the financial services sector allows Ana to quickly determine what regulations apply to help your business grow
Ana is a partner in our Toronto Financial Services group and leader of the firm’s Fintech group. She shapes smart solutions for banks and businesses - and helps prevent problems with regulators - leveraging her experience.
Respected for her prescience in the transitory world of Fintech, Ana regularly advises banks, insurance companies, credit unions and diverse financial services firms on consumer protection and anti-money laundering requirements. She is on top of the latest studies to discover novel applications for the market and her clients - and graciously shares her insight with highly anticipated prolific writings. She is a Certified Anti-Money Laundering Specialist (CAMS).
Foresight for financial institutions
Ana regularly provides advice to clients in the financial services industry with respect to compliance with regulatory requirements, including consumer protection requirements and anti-money laundering requirements, and with respect to the negotiation of commercial agreements including credit card program agreements. She advises with respect to regulatory matters relating to the financing of financial institutions, the establishment of new financial services providers and financial institution M&A and partnerships. Some of her recent work includes:
- acting on behalf of a foreign bank in connection with the bank’s establishment of a Schedule III branch;
- acting as counsel to the lenders in connection with a large secured liquidity facility to a regulated Canadian financial institution;
- representing the purchaser in connection with the acquisition of a credit union;
- acting for Fintech entities in connection with their initial structuring and launch; and
- providing consumer protection advice with respect to credit cards, debit cards, prepaid cards and loyalty programs.
Additionally, Ana completed a six-month secondment with a major Canadian financial institution, advising on matters relating to mobile payments.
Committed to continuous education, she is often called upon to write and speak on Fintech regulation, payment innovation, marketplace lending, virtual currencies and blockchain technology. Ana was honoured with a Lexpert Rising Star award, which recognizes Canada’s leading lawyers under the age of 40. She received her LLM in Banking and Financial Law from Boston University in 2014, with concentrations in International Banking and Financial Law and in Compliance Management. She was the recipient of the Award for Academic Excellence in Banking and Financial Law, for the highest cumulative GPA in the class. In addition, she has also completed the Osgoode Certificate in Regulatory Compliance and Legal Risk Management for Financial Institutions. Ana obtained her B. Math (Operations Research) from the University of Waterloo in 2000, and her LLB in 2003 at Osgoode Hall Law School.