Joao Victor Junqueira Natale Macedo

Legal & Compliance Manager with substantial experience in regulatory compliance, financial regulation, and contract negotiation, currently supporting LATAM operations. Qualified and acting as a DPO and Compliance Officer, with a focus on corporate law and payments, brings expertise in drafting, negotiating, and assessing risk for complex B2B agreements in Portuguese, English, and Spanish. Equipped with over six years of leadership in legal advisory roles, including as Legal Manager, where compliance, cross-border payments, and regulatory matters were key focus areas. Strong advocate for compliance and regulatory alignment, with hands-on experience in adapting contracts to data protection law and collaborating with regulatory bodies. Key responsibilities and achievements - Leads the Contracts and Regulatory division and provides legal support to the bank and its subsidiaries. - Drafts, negotiates and reviews a broad range of agreements, including correspondent banking, foreign exchange, securities, partnership, leasing, guarantee, derivative, loan, financing and investment contracts. - Develops and implements compliance programs and procedures addressing AML, KYC and data‑protection obligations, including reporting and record‑keeping. - Designed and delivered training programs to enhance employee awareness of compliance, ethical conduct and fraud‑prevention measures. - Collaborates with IT and security teams to integrate privacy, cybersecurity and data‑protection standards into products and operations. - Monitors and ensures compliance with regulations, circulars and guidance issued by BACEN, CMN and CVM, and with industry standards promulgated by Febraban, Ancord and Abipag. - Implemented internal protocols to address requirements arising from Lei nº 14.790/23, Decreto nº 11.907/24, Portaria MF/SPA nº 722/24; Circular BACEN 3.978/20, No. 12.846/2013; Law No. 12.683/12; Law No. 9.613/98. - Structures and provides legal support for new products and payment initiatives, including PIX, Open Finance and eFX. BCB - Direct involvement in regulatory matters for financial institutions and payment institutions, including licensing, regulatory compliance, PIX, Open Finance, FX, and KYC/AML frameworks. CVM - Ongoing interaction in capital markets, investment funds, private equity, and venture capital, focusing on regulatory obligations, corporate acts, and transaction structuring. ANBIMA / FEBRABAN / ANCORD: Implementation and monitoring of self-regulatory rules and market best practices.