About Us


A JL Rodrigues, Carlos Átila & Associated Consultants was born from the union of professionals with relevant experience in National Financial System and Capital Market, as well in technical relation with regulatory bodies.

For over twenty years in the market, JL Rodrigues is a consulting company specialized in servicing companies and Brazilian financial institutions that act or intend to act in the Financial System, Capital Market or in related activities such as joint ventures, payment institutions and schemes, credit Fintechs and other systems linked with the Brazilian Payment System, as well Market infrastructure.

The company reunites a relevant clients history and, for each presented case, promotes a technical approach to make possible each project taken to the analysis of Central Bank of Brazil - BCB, The Securities and Exchange Commission of Brazil – CVM, Superintendence of Private Insurance – SUSEP and other regulatory bodies, based on the correct legislation and rules adherence.

His key focus is the client representation before regulatory bodies, in order to adopt effective solutions in administrative, institutional, regulatory and accounting areas that preserve the client’s legitimate economic, financial and commercial interests.


His key focus is the client representation before regulatory bodies, in order to adopt effective solutions in administrative, institutional, regulatory and accounting areas that preserve the client’s legitimate economic, financial and commercial interests.

Our Partners

José Luiz Rodrigues

Name Partner
joseluiz@jlrodrigues.com.br


Graduate Degree in Accounting Sciences, his career began in 1970 at BCN S/A (National Credit Bank). In the period he was at the bank, he occupied the positions of accountant, department head, division’s head, general representative and executive officer, position he held for ten years, until the moment of his departure, when chose to set up the Consulting firm.

Occupied many other functions, such as: advisor of FEBRABAN - The Brazilian Federation of Banks – representative; Council Member of the National Financial System Appeals Council – CRSFN; president of the Banks Association from the Federal District – ASSBAN for three consecutive terms, Board member of the Brasília Bank – BRB; member of TELECOMS board; member of the Advisory Board of CETIP and member of the Advisor Board from ABFintechs – Brazilian Fintechs Association, position that he holds until the present data.

Isabel Bernardo Borges

Partner
isabel@jlrodrigues.com.br


Graduate Degree in Communication and Journalism, she began his career at BCN – National Credit Bank, where she occupied the position of assistant in Institutional Relationship Board for thirteen years.

Co-founder of JL Rodrigues, she is specialized in Government relationship, with ability on planning and development of strategies and communication plans; research development; production and content review; and event organization. Coordinate the follow up from projects made by the Consulting firm in the legislative ambit.

Ricardo de Souza e Silva

Partner
ricardo@jlrodrigues.com.br


Co-founder of JL Rodrigues, Law graduate degree, with specialization in Banking Regulation and Economic and Companies Law at FGV – Getúlio Vargas Foundation, he began his career at BCN – National Credit Bank.

Former Head of Legal at the Banks Association from the Federal District – ASSBAN and Legal Counsel for the Representative Council Member appointed by FEBRABAN in the CRSFN.

Daniel Liberati

Partner
daniel@jlrodrigues.com.br


Accountant and Lawyer, with specialization in Controllership (MBA Controller by School of Economics, Business and Accounting of the University of São Paulo).

More than 37 year of experience in accounting and fiscal areas from financial institutions, having profound knowledge from accounting rules, especially the ones demanded by BCB.

Accounting Regulatory Manager at BCN S.A. (from 1993 until 2004) and Bradesco (2004 until 2013), responsible by the definition of accounting rules applicable to operations.

Sectorial Director from the FEBRABAN Accounting Commission – from 2009 to 2013, with active participation in class entities (Abrasca, Anbima, CPC, etc.)

Acting in multiple Projects, highlighting:

  • Diagnosis Analysis between accounting GAAPS;
  • Implementation of the accounting statements in IFRS;
  • Elaboration and Disclosure from the Financial Statements in BRGAAP;
  • Definition of Accounting Practices;
  • Interpretation of rules demanded by the regulatory bodies (BCB, CVM) and evaluation of accounting, fiscal and regulatory impact.

Marcus Vinicius Pereira

Partner
marcus@jlrodrigues.com.br


Graduate degree in Accounting Sciences by the Pontifical Catholic University of São Paulo (PUC-SP), over 25 years of experience in financial market, having worked in the business area of BicBanco (today CCB Brazil) and for 9 years as Accounting Auditor at KPMG.

As Accounting Police Manager of Banco Bradesco, he implemented the International Accounting Standards (IFRS), acted as Bank representative in class entities (FEBRABAN, ABASCA, ACREFI, ABEL and CPC). Accounting Police do Banco Bradesco, implementando as Normas Internacionais de Contabilidade (IFRS), atuando ainda como representante do Banco em entidades de classe (FEBRABAN, ABASCA, ACREFI, ABEL e CPC).

FAQ

1Is JL Rodrigues a Law Firm?
No. JL Rodrigues is a multi-professional firm composed by administrators, lawyers, accountants, economists and journalists, all specialized in National Financial System and Capital Market and in Institutional Relations regulation, with strong knowledge in banking products and services, investments and payments institutions and schemes. The Consulting firm is prepared to participate in client´s projects since the investment decision and the kind of institution more adequate to existing or intended business until the effective authorization to operate;
2What is JL Rodrigues expertise?
JL Rodrigues is a Consulting firm specialized in regulation, self-regulation, supervision, organization and access to the National Financial System and Capital Market, including Market infrastructure, especially involving the registry and assets deposit and financial liabilities and integrations with the Brazilian Payment System;
3Does JL Rodrigues carry out audits?
No, the Consulting firm does not carry out any kind of audit; we indicate partners specialized in this kind of service, follow the process and give opinion about the accounting matters, if applicable;
4Does JL Rodrigues carry out Due Diligences??
No, the Consulting firm does not carry out due diligences; we indicate partners specialized in this kind of service, follow the process and give opinion about the accounting matters, if applicable;
5Does JL Rodrigues prepare business plans?
The Consulting firm guides and follows up the preparation of the business plans requested by the regulatory bodies as part of the necessary documentation for the applications that involve constitution, authorization to operate, control alterations and corporate reorganizations from institutions authorized to operate by BCB, and work in partnership with specialized professionals in preparing those business plans;
6How is the work of JL Rodrigues in the scope of National Congress of Brazil?
The Consulting firm monitors legislative matters in the National Congress, informs the client ahead of the facts, occurrences and follows up of the projects and advises on the most adequate technical approach, whether it is for amendment protocol, meetings with representatives from the client´s sector (class entities), meetings with the regulatory bodies, in which the projects are linked, in order to give an opinion about the subject that is being deliberated, warn about the legal imperfections that might bring prejudice to economy sector of which the client belongs;
7What are Institutional Relations?

The relationship between companies and the Government, in the ambit of the Executive and Legislative powers, Prosecutors and Costumer defense bodies, regulatory bodies, class entities and society, in order to include those companies and its managers in the political and social environment through the dialogue between the interlocutors.

Specially in Financial and Capital Markets, where the technological evolutions from the operational and business models happen in dynamic way, maintaining good communication with the regulatory bodies is vital for the development and maintenance of a secure and regulated environment;v

8How has JL Rodrigues been following the evolution and the regulation of the Credit Fintechs?
JL Rodrigues supports the growing of this market and understands that the regulation presented by BCB brought necessary legal security to the segment, allowing the competition growth between the financial institutions – and with that, the reduction of interest rates charged on lending transactions – and the increase in the opportunities of the economic agents to credit market and, especially, increased and improved the end costumer access to credit and financial services. The Name Partner of JL Rodrigues is a Council member of ABFintechs – Brazilian Association of Fintechs, what makes the Consulting firm inserted in this environment in an active way. Our understanding is that there are a lot of space for new products, new operational models, but we understand that everything must be treated in a regulated environment;
9How can JL Rodrigues contribute with the Contracting Institutions Compliance? Compliance das instituições contratantes?
JL Rodrigues can act in the application of best accounting practices, improving the internal controls and services, observing the rules brought by the BCB and in the interpretation of rules issued by the regulatory bodies, in order to minimize the regulatory, accounting, fiscal and operational risks impact;
10Does JL contribute to the development of clients´ business?
Yes, JL Rodrigues acts actively on improving and developing of products and services, based on the correct adherence to legislation and standards or proposing regulatory adjustments that enable new products and services, increasing and monetizing the business of its clients;
11Does JL Rodrigues work with other associated companies?
Yes, the Consulting firm has partnerships with well-known market professionals, coming from both financial market and public service. Good examples are Infra Soluções, whose executives are professionals from the Stock Exchange and OTC Registry and Comportamental Consultoria, whose owner is Sérgio Odilon dos Anjos, former head of the Central Bank of Brazil Regulation Department;
12Does JL Rodrigues act in M&A?
Yes, JL Rodrigues works with prospect of interested investor in acquiring institutions authorized to operate by BCB and in prospect of financial institutions interested in selling partially or totally shares or quotas of its capital. We also work in authorization process of these mergers and acquisitions in the ambit of regulatory bodies.