Alejandra Lobato

Practice Areas

Alejandra Lobato is a senior associate at bgbg, a leading Mexican law firm renowned for its commitment to legal excellence, innovation, and client-centered service. As part of the firm’s Regulatory Compliance and Anti-Money Laundering (AML) practice, Alejandra brings a robust combination of legal expertise, strategic insight, and practical experience that consistently adds value to her clients.

She has developed an outstanding reputation for advising both national and international companies across a broad range of industries, including financial services, fintech, real estate, insurance, e-commerce, and telecommunications, on matters related to regulatory compliance, risk prevention, and the design, implementation, and optimization of AML programs.

Comprehensive Compliance Advisory

Alejandra’s legal practice centers on helping companies navigate Mexico’s complex and evolving regulatory environment. She provides tailored legal solutions that ensure organizations remain in compliance with applicable laws, rules, and standards issued by Mexican regulatory authorities, such as the National Banking and Securities Commission (CNBV), the Financial Intelligence Unit (UIF), the Bank of Mexico, and others.

She works closely with compliance officers, legal teams, and senior management to assess internal compliance structures, close regulatory gaps, and develop robust corporate policies and procedures. Her deep understanding of national legislation, along with her insight into international compliance trends, enables her to provide effective and adaptable frameworks that meet both local and cross-border regulatory requirements.

Anti-Money Laundering (AML) Expertise

A significant portion of Alejandra’s practice is dedicated to Anti-Money Laundering and Counter-Terrorist Financing (CFT) compliance. She has in-depth knowledge of Mexico’s Federal Law for the Prevention and Identification of Operations with Illicit Resources (LFPIORPI), also known as the Anti-Money Laundering Law, as well as the obligations that arise from sector-specific regulations.

She advises clients on identifying their obligations as regulated entities under the AML regime and provides support in registering with the authorities, preparing periodic reports, and ensuring ongoing compliance. She also assists with the preparation of risk-based AML programs, internal control manuals, due diligence procedures, and employee training sessions, helping clients build an organizational culture focused on compliance and ethical conduct.

In addition, Alejandra regularly conducts AML compliance audits and internal assessments to evaluate existing policies, identify deficiencies, and recommend improvements. Her thorough and strategic approach ensures that clients minimize their exposure to legal, financial, and reputational risks.

Regulatory Reporting and Risk Prevention

One of Alejandra’s strengths lies in her ability to develop practical solutions for regulatory reporting obligations. She has advised numerous companies in drafting and submitting accurate reports to the UIF, including notices of relevant and unusual transactions, and has helped clients establish reliable systems for monitoring and flagging suspicious activity.

Through detailed risk assessments, she helps clients understand their exposure based on factors such as their industry, client profile, geographical location, and business model. Using these insights, Alejandra collaborates with organizations to classify their risks and implement internal measures aligned with the latest regulatory expectations.

She frequently assists with the design of compliance models based on international standards, such as those issued by the Financial Action Task Force (FATF/GAFI), and ensures that clients are equipped to demonstrate due diligence and traceability in the event of an audit or regulatory inspection.

Corporate Governance and Internal Controls

Beyond her AML and compliance work, Alejandra provides strategic counsel on corporate governance and internal control mechanisms. She has worked with executive teams to improve governance structures, strengthen accountability, and instill best practices that go beyond minimum legal requirements.

Her legal advice supports clients in designing internal codes of conduct, ethics policies, whistleblower systems, and mechanisms for monitoring conflicts of interest, promoting a corporate culture rooted in transparency, legality, and continuous improvement.

Alejandra’s work contributes directly to enhancing her clients’ organizational resilience and preparedness for facing compliance challenges in highly regulated environments. She often collaborates with internal audit departments, risk committees, and external consultants to create comprehensive governance frameworks.

Fintech and Innovation

In the rapidly evolving fintech sector, Alejandra has played a pivotal role in advising startups and established financial technology firms on their compliance obligations under Mexico’s Fintech Law (Ley para Regular las Instituciones de Tecnología Financiera). She helps these companies understand how regulatory requirements apply to their innovative business models and guides them through authorization processes with the CNBV.

From onboarding procedures and know-your-customer (KYC) standards to AML protocols and electronic payment fund operations, Alejandra ensures that fintech companies comply with the law while maintaining operational flexibility and scalability.

Her work has positioned her as a trusted advisor for technology-driven companies seeking to align regulatory compliance with innovation, digital transformation, and sustainable growth.

Client-Centric Approach

What sets Alejandra apart is her client-focused approach. She is deeply committed to understanding the specific needs, risks, and priorities of each client she serves. Whether advising a large multinational corporation or a growing startup, she delivers strategic and actionable guidance designed to support long-term compliance success.

Her clients appreciate her responsiveness, attention to detail, and ability to communicate complex legal requirements in a clear and accessible manner. She often leads workshops, training programs, and internal presentations to educate teams on compliance obligations and foster a culture of legal awareness throughout the organization.

By combining technical proficiency with a collaborative mindset, Alejandra builds lasting relationships based on trust, integrity, and consistent results.

Crisis Management and Remediation

Alejandra also assists clients in crisis situations, including regulatory investigations, compliance breaches, and internal misconduct. She is adept at guiding clients through remediation efforts, including internal investigations, root cause analyses, corrective action plans, and regulatory disclosures.

Her involvement ensures that organizations can swiftly address problems, minimize liability, and restore operational and reputational stability. In such high-pressure environments, Alejandra brings calm, clarity, and legal precision—enabling her clients to make informed decisions under scrutiny.

Ongoing Legal Monitoring and Regulatory Updates

Given the dynamic nature of the regulatory landscape in Mexico and beyond, Alejandra closely monitors developments in AML regulations, fintech laws, and broader compliance frameworks. She provides clients with regular legal updates and alerts to ensure they stay ahead of new obligations and changes in enforcement trends.

Clients

Banamex, Sabadell, Santander, Blackrock, Citi, Daimler, DeutscheBank, Element, Klar, Konfio, MorganStanley, Navistar, Nu, PalaceResorts,

Sandvik, Sura, Ubs, CreditSuisse, Superdigital, Nielsen, Openbank, MercadoLibre.

Languages Spoken

English and Spanish.