MARINA OLMAN-PAL

Corporate | Financial Regulatory & Compliance | Banking & Financial Services | Latin America Practice | Blockchain & Digital Assets | Environmental, Social & Governance (ESG) | Fintech

Marina Olman-Pal is a Co-Chair of the firm’s Financial Regulatory & Compliance Practice. She advises foreign and U.S. financial institutions on a broad range of U.S. federal and state regulatory matters including licensing/chartering, acquisitions, mergers, divestitures, third-party risk management and oversight issues, BaaS and other bank/fintech-related matters, compliance with Bank Secrecy Act (BSA)/anti-money laundering (AML) laws and regulations, and compliance with fair access law matters.

Marina counsels a wide range of companies in the financial services sector including, domestic and foreign banks, money services businesses including money transmitters, cryptocurrency businesses, Fintech companies, digital payment companies, and gaming companies. Throughout her career, Marina has represented clients before U.S. regulators such as the Federal Reserve, OCC, FDIC, FinCEN, OFAC, the Florida Office of Financial Regulation and other state supervisory authorities. Marina also regularly develops anti-money laundering programs for a wide range of financial services businesses and non-financial services businesses including, U.S. and foreign companies active in industries such as real estate, hospitality, automotive and artificial intelligence, among many others.

Concentrations

• Financial services regulatory and compliance
• Bank and MSB formation, licensing, acquisitions and divestitures
• Bank regulatory compliance counseling
• FinTech/digital payments regulatory compliance
• Blockchain & digital assets regulatory compliance
• Bank Secrecy Act compliance guidance
• Anti-Money Laundering
• Sanctions compliance guidance

Experience

Publishable Matters

• Represented Associated Foreign Exchange, Inc., a leader in global payment solutions and foreign exchange risk management, as financial regulatory counsel in its sale to FleetCor Technology, Inc, a leading global business payments company serving businesses, merchants and partners in North America, Latin America, Europe and Asia Pacific.
• Represented Five Flags Banks, Inc. as financial regulatory counsel in the merger of two of its subsidiary Florida-chartered community banks, The Warrington Bank, a Florida banking corporation, and Bank of the South, a Florida banking corporation.
• Represented Paysafe, a multinational online payments company, as M&A and financial regulatory counsel in its $441 million acquisition and integration of SafetyPay, an ecommerce payment platform operating in Latin America.
• Represented PaySafe Group as U.S. financial regulatory counsel in connection with the acquisition of Openbucks, a California-based payments gateway that allows online merchants to accept gift cards as an alternative to credit cards for purchases.
• Represented GoDaddy Inc., a web hosting and domain registration services company, as U.S. financial regulatory counsel in its acquisition and integration of Poynt Financial LLC, an all-in-one payment platform.
• Represented GoDaddy Inc. as U.S. financial regulatory counsel in its acquisition of DAN.com, a domain marketplace platform with worldwide operations.
• Represented BNP Paribas, a leading European bank, as financial regulatory counsel in the establishment and opening of the BNP Paribas Global Markets office in Miami, Florida.
• Represented Volkswagen Financial Services as U.S. financial regulatory counsel in the sale of PayByPhone, a global provider of digital parking payment solutions to FLEETCOR Technologies, Inc., a leading global business payments company.

Speaking Engagements

• “Charting the Course: Financial Regulation in Brazil’s Gaming Sector”, Moderator, Legal 500 GC Summit Brazil 2024
• Compliance Discussion Forum: Crypto Fintechs and Cross-Border Payments, Moderator CrossTech Fintech Payments Conference 2024
• Financial Crime and Banks: AML and AI in 2024 , Speaker
• Navigating Regulatory, Investment and Commercial Considerations for FinTech Founders and Investors , Speaker, eMerge 2024
• The Corporate Transparency Act, Speaker, Financial & International Business Association (FIBA) AML Conference 2024
• Regulatory Events to Watch in 2024 , Moderator, FIBA – Legal & Regulatory Affairs (LARA) Committee Event, 2024
• State of Regulation for Open Banking , Moderator, Open Banking Latam Conference, 2023
• Compliance Officers Discussion Forum: Compliance Evolution, Exploring the Role of KYC and KYB in Shaping Cross-Border Payment Regulations , Speaker, CrossTech World Conference 2023
• Compliance Officers Discussion Forum: Insights for Compliance Officers Exploring the Impact of FedNow on Cross-Border Payment , Speaker, CrossTech World Conference 2023
• Compliance Officers Discussion Forum: Optimizing Compliance: Best Practices and Strategies for Partner Due Diligence in Cross-Border Payments , Moderator, CrossTech World Conference 2023
• Fintech Panel: Licensing and Regulatory Requirements, Presenter, Miami Tech and Data Symposium: Navigating New Legal Risks in Data and Emerging Technologies, 2023
• FORO Análisis jurídico sobre el impacto de las normas AML en las relaciones de banca corresponsal , Panelist, Congreso Latinoamericano de Derecho Financiero (COLADE) 2023
• Compliance Officers Discussion Forum: US Regulation, Moderator, CrossTech Payments Conference, 2023
• From Blockchain to Crypto: There and Back Again, Biennial IBA Latin American Regional Forum Conference, 2023
• Florida’s New anti-ESG Law and its Impact on Financial Businesses Operating in Florida, Financial & International Business Association (FIBA), 2023
• Global Forum On Remittances, Investment And Development Summit 2023 & RemTECH Awards, Judge, 2023
• Keep the Cash Flowing: Regulatory Developments, Challenges and Opportunities for the Fintech/Payments Industry in 2023
• The Anti-Money Laundering Act of 2020 – Where Do We Stand on the CTA?, Financial & International Business Association’s (FIBA) Anti-Money Laundering Conference, 2023
• The Benefits and Challenges of Fintech Partnerships – Enhanced Scrutiny & Guidance on Fintech and Bank Partnerships, FIBA AML 2023 Conference
• Business Advice from Compliance Professionals and Legal Counsel, CrossTech Compliance, 2022
• Compliance Officers Discussion Forum, CrossTech World, 2022
• Digital Currencies – Applications/Implementations for CFOs, Counsel of Americans – CFO Forum, 2022
• How APIs Can Strengthen Integrated Service Offerings for Hispanics, Open Bank Latam – Building a New Open Bank Architecture in the Americas Hybrid Conference, 2022
• State of Regulation in Latin America (Fintech, Remittances & Forex), IMTC LATAM 2021 Virtual Conference, 2021
• The Benefits and Challenges of FinTech Partnerships, Financial & International Business Association (FIBA) LatAm Fincrime Conference, 2022
• The Corporate Transparency Act, Florida International Bankers Association (FIBA) AML Compliance Conference, 2022
• Women in the Cross-Border Industry: Women Making a Difference in Fintech, CrossTech World, 2022
• Women Leading Crypto & Fintech, 7th Women’s Hemispheric Network Forum: Miami, 2022
• Análisis de Recientes Multas y Sanciones (Analysis of Recent Fines and Sanctions), REGLIANCE Virtual Conference, 2021
• The U.S. Corporate Transparency Act (CTA), REGLIANCE Virtual Conference, 2021
• FFIEC Manual Updates and Bank Expectations for MSBs, The Money Services Business Association, Lunch and Learn Series, 2020
• Florida International Bankers Association (FIBA): Lavado a Través del Sector Inmobiliario (Money Laundering through the Real Estate Sector), 2020
• The Platinum Network’s Life After COVID-19: FFIEC BSA/AML Exam Manual Updates, 2020

Recognition & Leadership

Awards & Accolades

• Listed, The Legal 500 United States
  • Finance – Financial Services Regulation, 2023
• Listed, The Legal 500 Latin America Guide, Latin America: International, 2023-2024
  • Banking & Finance, 2023-2024
  • City Focus – Miami, 2024
• Listed, The Best Lawyers in America
  • FinTech Practice, 2025
  • Corporate Law, 2023-2024
• Selected, CrossTech magazine, “Industry Leader,” 2022
• Selected, National Law Review, “Go-To Thought Leader: Finance Law – Anti-Money Laundering Legislation,” 2021
• Listed, Super Lawyers magazine, Florida Super Lawyers, “Rising Star,” 2009-2010

Professional & Community Involvement

• Member, Financial & International Business Association (FIBA) Board of Directors
• Chair, Financial & International Business Association (FIBA) Legal and Regulatory Affairs Committee
• Member, CrossTech Regulatory and Compliance Committee

Credentials

News, Insights & Presentations

Marina is a contributor to GT’s Financial Services Observer Blog

News

Insights

Presentations