Verónica Fernández
At SÉRVULO since 2011, Verónica Fernández is a partner in the Finance and Governance department. She completed graduate courses in Consumer Law at the Faculty of Law of the University of Lisbon, 2010, and in Banking, Capital Markets and Insurance Law at the Institute of Banking, Capital Markets and Insurance Law (Instituto de Direito Bancário, da Bolsa e dos Seguros) of the Faculty of Law of the University of Coimbra, 2005, and in Administrative Litigation at the Faculty of Law of the Catholic University of Portugal, 2001. She was a lawyer at the "Cuatrecasas, Gonçalves Pereira" law firm between 2004 and 2011 and Legal Advisor at the Mortgage Credit Department of the Santander Totta Group between 2002 and 2003. She joined the Bar Association in 2001.
Personal Assistant: Tatiana de Carvalho Rodrigues
(+351) 21 093 31 89 tcr@servulo.comRelevant Experience
Advisory on the development and implementation of digital solutions for online and mobile payments under current and emerging regimes (PSD2/PSD3, PSR, EMD, AMLD, and EBA guidelines).
Assessment of the applicability of PSD2 exemptions (limited network, limited range, agent exemption, etc.), including business model analysis, legal advice, and support in communications with the regulator.
Advisory on authorization processes for the establishment of payment institutions, electronic money institutions, credit institutions, and financial companies.
Implementation of models for cross-border financial and payment services (through local branches or under the freedom to provide services), ensuring prior compliance assessment, particularly regarding consumer protection and digital security.
Advisory on the integration of financial services into non-financial platforms or marketplaces, including contractual structuring and regulatory risk mitigation.
Strategic guidance on the provision of financial services within digital ecosystems.
Development of internal control policies, audit frameworks, and anti-money laundering and counter-terrorism financing programs.
Regulatory consultancy for new products and market entry in Europe.
Creation of cryptoasset service platforms under the MiCA Regulation and advisory on cryptoasset issuance.
Support in the establishment and licensing of crowdfunding platforms.
Participation in legal and regulatory due diligence processes in transactions involving financial entities and digital projects.
