Miguel Gallardo Guerra

Practice Areas

At bgbg, partner Miguel Gallardo Guerra leads one of Mexico’s most dynamic and forward-looking practices in FinTech, banking, finance, payment services and regulatory compliance. His work stands at the intersection of innovation and financial regulation, advising leading global and domestic institutions on complex licensing, structuring and operational matters under Mexican law. Miguel is widely recognized for his strategic counsel to payment service providers, digital wallets, crypto-asset platforms, lending institutions, SOFOMES, SOFIPOS, banking institutions and cross-border financial operators, consistently guiding clients through evolving regulatory frameworks with clarity and precision. His practice combines deep technical knowledge with a practical, business-oriented approach, allowing clients to launch and scale highly regulated products in Mexico while meeting the highest standards of compliance. Whether supporting market-entry strategies, structuring financial products, advising on authorization processes before the CNBV, CONDUSEF or Banco de México, or designing robust compliance programs, Miguel offers a comprehensive and trusted legal perspective that positions bgbg as a leading firm for sophisticated financial innovation in Mexico.

Career

Miguel Gallardo Guerra has built a distinguished career as one of Mexico’s leading lawyers in FinTech, banking, finance and regulatory compliance, consistently advising top-tier financial institutions, global payment companies and innovative technology firms. With extensive experience before the CNBV, Banco de México, CONDUSEF and the Ministry of Finance, Miguel is known for navigating complex regulatory environments and structuring sophisticated financial products with precision and strategic insight. Over the past years, he has played a key role in the legal and regulatory development of Mexico’s digital finance ecosystem, guiding clients through authorization processes, cross-border regulatory alignment, operational risk management and AML/CTF compliance. His work also extends to industry thought leadership: Miguel serves as Latin American Regional Forum Liaison Officer of the Banking Law Committee at the International Bar Association (IBA) and is a co-author of Control and Ownership of Digital Assets, published by Mohr Siebeck. His combination of technical rigor, international perspective and a pragmatic, client-centered approach has positioned him as a trusted advisor for high-impact financial and technological projects in Mexico and abroad.

Professional Memberships

In addition to his transactional and regulatory work, Miguel Gallardo Guerra maintains an active presence in leading professional associations and corporate governance bodies, enriching his perspective as a trusted advisor in the financial sector, collaborating with international experts to advance global dialogue on banking regulation, financial innovation and cross-border compliance. Miguel is also a board member of several entities and financial institutions, where he contributes his expertise on governance, risk management, regulatory strategy and corporate integrity frameworks. His ongoing involvement in these organizations—along with his participation in specialized forums on FinTech, payment systems and AML/CTF matters, strengthens his ability to anticipate regulatory trends, implement international best practices and represent Mexico’s financial ecosystem on the global stage.

Publications

Miguel Gallardo Guerra is also an active contributor to the academic and professional literature on digital finance, regulatory compliance and financial innovation. He is a co-author of the book “Control and Ownership of Digital Assets”, published by Mohr Siebeck, which examines emerging legal frameworks for blockchain-based assets and distributed control structures. His publications extend to articles, commentary and thought-leadership pieces addressing FinTech regulation, payment services, AML/CTF compliance and the digital transformation of financial institutions, many of which appear in specialized legal forums and international platforms.

Personal

Miguel Gallardo Guerra was born in Tampico, Tamaulipas. Married and deeply rooted in his origins, Miguel embraces a distinctly human approach to life and work, prioritizing integrity, empathy and clear communication in every engagement. He is committed to building long-term business and personal relationships, fostering trust with clients, colleagues and international partners.

Clients

Throughout his career, Miguel Gallardo Guerra has advised a wide spectrum of leading financial institutions, insurers, FinTech companies and payment service providers. His client portfolio includes global banks such as Deutsche Bank, Morgan Stanley, Santander, Credit Suisse, Scotiabank, and major domestic institutions including CitiBanamex, Banorte, Bancoppel, Bankaool and Openbank México. Miguel also counsels innovative digital finance and payments market leaders, among them Mercado Libre (IFPE), Bybit, Coinbase, KLAR, Littlepay, SDMX Superdigital (IFPE), Pluxee México (IFPE) and Atman Pay. His experience further extends to advising major insurance groups such as AXA Seguros, Qualitas, AIG, MetLife and Everest, as well as global investment and asset management firms like BlackRock México and LGT Capital Partners.

Industry Sector Expertise

His practice spans traditional banking, digital finance, insurance, capital markets, payment systems, and cutting-edge FinTech models, allowing him to advise clients with a deep understanding of how regulatory, technological and commercial dynamics converge in each segment. Miguel has developed specialized proficiency in the structuring and operation of electronic payment institutions, digital wallets, cross-border remittance platforms, alternative lenders, embedded finance models, and insurance-technology ecosystems, enabling him to anticipate regulatory trends and deliver solutions that support innovation without compromising compliance. His multidisciplinary insight, rooted in years of advising banks, insurers, asset managers, payment companies, crypto-asset platforms and emerging digital financial operators, allows him to provide clients with a comprehensive, strategic and forward-looking perspective on Mexico’s evolving financial landscape.

Expert in these Jurisdictions

Mexico.

Languages Spoken

He is fluent in Spanish and English, enabling him to support international clients with clarity and precision. Miguel is also a court-certified translator, a distinction that allows him to provide officially recognized translations for legal, regulatory and financial documents (english - spanish - english). This expertise strengthens his advisory practice by ensuring that complex contracts, compliance frameworks, cross-border filings and financial instruments are translated with technical accuracy and full legal validity. His combined legal and linguistic skills position him as a trusted partner for clients requiring high-level legal and financial translation services in Mexico and abroad.

Education