Rafael joined MUFG as Managing Director, Head of Compliance for Latin America and Canada in February 2018. His role and responsibilities have been expanded over the years, becoming the Head of Americas CIB Compliance and Head of Compliance for Latin America and Canada. Before MUFG, Rafael was the Chief Compliance Officer, Latin America at BNP PARIBAS CIB. Prior to joining BNP Paribas, Rafael held the position of Chief Compliance Officer for Latin America & USA Southwest at S&P Ratings Services. He began his career as a paralegal in a Law Firm, and after becoming a licensed attorney, he has held jobs as a Legal Counsel, Senior Counsel and Regulatory Counsel. Before joining S&P, Rafael worked for GE Capital in Mexico where he was Chief Compliance Officer and Regulatory Counsel for the Consumer Finance division. Previously, Rafael served as Legal Counsel and Secretary of the Board for CECOBAN; as Senior Counsel at the CNBV (National Banking and Securities Commission of Mexico) and as Attorney in a Law firm associated to Coopers & Lybrand Mexico (now PwC). Rafael received a master's degree in Laws & Business from Northwestern University and a Bachelor of Laws degree from the Universidad Nacional Autonoma de Mexico (UNAM).Rafael is fluent in Spanish, English and Portuguese.Specialties: Regulatory Compliance, Banking Regulation, Corporate Governance, Corporate Law, Government Relations, International Law, Business Transactions, Contracts, Information Technology, E-Commerce, Anti-Money Laundering / FCPA, Privacy, Labor Law, Litigation.