Vanessa Munoz, Esq. Email & Phone Number

I am a trusted legal advisor well-versed in managing relationships with government regulatory agencies and have broad experience in contract negotiation, drafting, and revising consumer and commercial agreements. Representative Experience:• Trusted legal counseling for executive directors.• Vast experience analyzing innovative new products.• Experience overseeing licensing and chartering requirements compliance process for FinTech companies and international banking/financial entities (involving digital assets management).• Experience developing policies for risk management; and credit and debit products documentation.• Legal advisory for FinTech companies, banks, international financial entities, international banking entities, trusts, and an American multinational investment bank and financial services corporation.• Advisory experience includes incentives under Act 60 (tax incentives), tokenization, gaming, BSA/AML/OFAC, and OCIF licensing under Act 68, Act 214, Money Services Business, and private equity funds.

San Juan, Puerto Rico

Representative Experiences including those for affiliates like Santander Insurance Agency, Santander Securities, and Santander Financial Services, Santander Asset Management: • Law Enforcement Consulting (legal opinions): state and federal laws, including TILA, RESPA, Fair Debt Collection Practices Act, Electronic Fund Transfer Act, FACTA, GLBA, Bankruptcy Code, Insurance Code, Internal Revenue Code, Corporations Law, Intellectual Property, among others.• Drafting, Revising and Negotiating Contracts: agreements with the (national and international) affiliates of Banco Santander Puerto Rico and the corresponding Regulation W analysis, purchase and sale of charge-off accounts, Federal Small Business Administration and Puerto Rico Development Fund, among others. • Litigation, Claims, and Complaints: directing investigations, analyzing, and drafting answers to complaints presented before the local and federal regulators (Department of Consumer Affairs, Office of the Commissioner of Insurance, Office of the Commissioner of Financial Institutions, Federal Deposit Insurance Corporation, Consumer Financial Protection Bureau); drafting answers to extrajudicial (consumer and commercial) claims and negotiating with the clients’ attorneys. Drafting motions and managing other judicial proceedings.• Santander Representative PR Bankers Association. Member of the Claims and Complaints Working Group: analyzing root-cause of claims and searching for solutions. Participant of the Incentive Working Group created in order to evaluate the incentive practices to avoid non-compliance with applicable regulations and avoid the creation of unachievable (as regulated) goals for employees. Participant of the Clients Working Group of Santander Puerto Rico: discussing the status of the principal Santander’s projects affecting clients. Former Member of the Adjudications Committee (Deed in lieu of foreclosure) and Loss Control Committee. Designated Secretary Compliance Committee & SIA Board.

San Juan, Puerto Rico

Judicial Cases: Partition of estate, lawsuit between co-heirs, torts, guardianship. Responsibilities: legal researches, writing motions, letters, discovery, argumentative hearings, attorneys’ meetings, depositions, among others.

Barcelona, Spain

Responsibilities: fair competition (advertising) analysis, legal researches, memorandums, assisting in legal work related to patents (lawsuits).

San Juan, Puerto Rico

Responsibilities: writing motions, legal researches, depositions, memorandums, compilation of jurisprudence (Dealership Act, Law 75), among others.

San Juan, Puerto Rico

Responsibilities: writing motions, legal researches, depositions, memorandums, analysis of vague laws.

Executive Directors Program For Talented Employees

Puerto Rico Representative In Salvador De Bahía, Brazil., Meeting Of Young Hispanic Leaders. The Future: Innovation And Enterprise.

Continuing Education Program, Project Manager Course.

Education record

Highest Passage Rate

Notary Public. Bar Exam, Sept. 09.

Juris Doctor (J.D.), Law

Bar exam, September, 2009. Magna Cum Laude. Publication: “Podemos dividir un niño entre dos o más madres de forma salomónica?” Maternidad.

Licenciada En Derecho - Bachelor Degree Of Law, Law

Activities and Societies: Tax Law Seminars Santander Bank’s 150th Anniversary Scholarship. Graduate Students Category.Bachelor Degree.

International Tax, European Union Taxation, International Trade Organization. Seminars.

U.S. Immigration Law (Professor Of Texas Southern University). Course., Seminar

Bioethics (Professor Of The University Of Barcelona) Seminar.

International Commerce Arbitration (Professor Of The University Of Barcelona) Seminar., Seminar

Continuing Education Program, Real Estate Courses

Awarded With The Carolina Foundation Scholarship “Becas Líder” (Representative Of Puerto Rico):, Political And Economic Immersion In The Spanish And Portuguese Culture.

Activities and Societies: It included conferences in the European Parliament in Belgium. (Spain, Portugal, and Belgium).

Highest G.P.A., Bachelor Degree Of Science In Business Administration (B.S.B.A.), Major In Finance

Activities and Societies: Member of National Society of Hispanic MBA’s (2013). Financial Management Association (2004-2005); Golden Key.

Education record

Faculty of Economics and Business Administration and Faculty of Political Science and Sociology, Madrid, Spain. Exchange program. Courses.

Education record

• Colombia: Discussion of proposals for strengthening the relationships between Latin American Countries and creating leaders. Organized.