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Inês Palma Ramalho

At SÉRVULO since 2015, Inês Palma Ramalho is an Associate in the Finance and Governance department. She holds graduate qualifications in Financial Markets from the Institute of Financial and Fiscal Law (IDEFF - Instituto de Direito Financeiro e Fiscal), 2014, and in Financial & Economic Criminal Law from the Institute of Penal Law and Criminal Sciences (IDPCC - Instituto de Direito Penal e Ciências Criminais), 2008. She graduated in Law from the Faculty of Law of the University of Lisbon, in 2008. She was a Legal Advisor in the Prudential Supervision Department of the Portuguese Central Bank, from 2014 to 2015, and Advisor Manager and Controller Memoranda Monitoring Structure (ESAME - Estrutura de Acompanhamento dos Memorandos), of the Government of Portugal, as part of the Financial Assistance Programme, between 2011 and 2014. She was a junior associate at «Uría Menéndez-Proença de Carvalho», where she also completed her traineeship, from 2008 to 2011. Between 2011 and 2017, she was a guest lecturer at the Faculty of Law of the University of Lisbon, teaching the subjects Commercial Law I and II. She joined the Bar Association in 2011. She is a regular speaker at conferences on banking and corporate law, capital markets, restructuring and insolvency.

"Sources highlight the department's availability and enthuse that the lawyers in the team are 'client-oriented and provide a very personalised service'."

Chambers Europe, Banking & Finance (2019)

RELEVANT EXPERIENCE

Legal assistance in the structuring and negotiation of financing contracts, including in real estate finance, asset finance and structured finance and other banking contracts for financial and non financial companies.

Legal advice on various matters relating to financial and banking supervision and regulation, namely relating to qualifying holdings, authorisation and registration of credit institutions and other financial entities, incorporation and operation of collective investment undertakings, ongoing exercise of prudential and behavioral supervision and reporting obligations.

Legal advice relating to risk detection and management systems, auditing, internal control, AML/FT and compliance of credit institutions and other financial entities.

Legal advice on private equity topics, including incorporation of venture and risk capital funds and companies, SPV and management companies.

Analysis and preparation of legislation and public policies regarding bank financing, restructuring of companies and individuals, insolvency, and transposition of EU directives on auditing of, access to and exercise of financial activities.