• Bachelor of Laws, Universidad Iberoamericana, Santa Fe Campus, 1992–1997, Honors: Commendation.

• Master of Laws (LL.M.), New York University School of Law, New York, U.S.A., 2001, Fulbright, Funed, and Conacyt.
  Doctoral candidate in Law, Mexico, Anáhuac University, 2021–2025

  Relevant courses or certifications

  Certified as a Compliance Officer by the National Banking and Securities Commission under number GAGMPV5-2017-31721-NCOC (2020).

  Certified as an insurance contract specialist by the National Insurance and Surety Commission (2025).

  Certified English translator, authorized by the Superior Court of Justice of Mexico City and a member of the American Translators Association.

• Control and Ownership of Digital Assets, Essays on the Law of Digitalization, 2026.
• Lending & Secured Finance Laws and Regulations in Mexico 2025–2026, ICLG, 2025.
• Virtual Assets – A New Challenge for the Mexican Financial System, IBA, 2021.
  Blockchain & Cryptocurrency Regulation, Global Legal Insights, 2019.

Miguel Gallardo Guerra has been recognized as one of the leading attorneys in the Mexican market in the field of banking and finance law by various national and international publications, including Legal 500, IFLR 1000, ACQ Finance, Best Lawyers, and Chambers & Partners:

• “Miguel Gallardo Guerra is praised by clients for his high level of customer service. Sources say: ‘He is particularly well-versed in the financial industry, and his main strength is his diligence.’ He is active in acquisition financing and infrastructure finance.”Chambers and Partners – 2015.
• “‘Professional, flexible, and with an excellent approach to problems and clients,’ head of finance Miguel Gallardo is ‘one of the best lawyers in the financial industry.’ Appointed as an independent member of the anti-money laundering audit committee at ICAP Mexico earlier this year, he is ‘very well connected and possesses the expertise, experience, and knowledge one seeks in an external counsel.’”The Legal 500 – 2015
• “Bello Gallardo Bonequi & García is a highly specialized banking firm, focused primarily on regulatory work. The project finance group has capitalized on that strength and developed into a robust practice of its own. A client from a boutique bank says: ‘I highly recommend them, and I think Miguel Gallardo Guerra is a great resource. They have done an excellent job of building a diversified firm.’ The firm receives most of its mandates from financial institutions both within and outside Mexico for lending and regulatory work. As head of the banking practice, Gallardo is well regarded for his expertise in this area. One client says, “He brings an international perspective because he used to work in New York; he is flexible regarding time and cost, and he is very personable.”IFLR1000 – 2015

Miguel Gallardo Guerra regularly advises on some of the most complex and sophisticated matters in the Mexican market regarding banking, financial services, FinTech, payments, digital assets, regulatory compliance, and anti-money laundering. His practice focuses on structuring, implementing, and adapting business models subject to complex regulatory frameworks, as well as handling mandates that require careful coordination between financial regulation, corporate governance, risk management, and commercial execution.

His experience includes advising on the entry, expansion, consolidation, and reorganization of digital banks, financial institutions, payment platforms, financial infrastructure providers, integrated financial services schemes, and operations related to virtual assets and cross-border services. He has also led matters related to defining regulatory scopes, designing and implementing compliance frameworks, reviewing complex financial documentation, structuring relationships with third parties, aligning operations with Mexican regulatory requirements, and managing sensitive regulatory processes within the financial and technology sectors.

His practice is particularly valued for its ability to combine rigorous legal analysis with strategic judgment and business acumen, advising clients on matters where financial and technological innovation requires solutions that are technically sound, commercially viable, and compliant with regulatory requirements. In this context, he has participated in projects related to payment platforms and digital wallets, digital banking models, payment infrastructure, card programs, transactions involving stablecoins and cryptoassets, AML/CFT compliance, interactions with regulatory authorities, and strategies for the orderly exit of participants from the FinTech ecosystem.

Throughout these matters, Miguel Gallardo Guerra has advised domestic and international clients on critical decisions regarding the viability, expansion, and strengthening of their operations in Mexico, bringing a combination of technical expertise, institutional insight, and a practical approach that is particularly valuable in highly regulated and rapidly evolving sectors.

Notable clients he has worked with include: Mercado Pago, Mercado Libre, Openbank, Banco Sabadell, Banco Santander, Banco Azteca, BanCoppel, CitiBanamex, Citi Brokerage Firm, Banco Multiva, Banco Inmobiliario Mexicano, ICBC Mexico, Nu Mexico, Klar, Bitso, Coinbase, Bybit, Orbital, Kravata, Coda Payments, Evo Payments, Pay Retailers, Farmacias de Similares, Element Fleet Management, GM Financial, MetLife, BlackRock, Credit Suisse, Deutsche Securities, Expedia, FEMSA, Arca Continental, Alsea, Grupo Modelo, Daimler Financial Services, Komatsu Industries Mexico, Navistar, Voestalpine Böhler, and the Mexican Football Federation, among other key players in the banking, financial, FinTech, payments, insurance, consumer, automotive, industrial, and sports sectors.