Lloyd Winans

Lloyd Winans is a cross border financial services counsel serving primarily non-US financial entities seeking to establish or enhance their presence in the United States. He has a long career interfacing with US banking and securities regulators on behalf of foreign institutions. Mr. Winans has previously served as counsel to the Federal Reserve Bank of Atlanta, as Citibank’s Group Counsel to Latin America, and as General Counsel to Lehman Brothers’ commercial banks. He has organized the U.S. operations of and served as dedicated counsel to numerous European and Latin American financial institutions.  He is a former Board member of the Federal Home Loan Bank of Pittsburgh, a former Chair of the American Bar Association’s International Business Law Committee, and was the founder and co-Chair, for many years, of the American Bar Association’s Latin American Law Committee.

Practice areas include:

• Establishing Foreign Branch, Agency and Representative offices for foreign banking organizations
• Establishing Puerto Rican International Financial Entities, and limited purpose vehicles
• Obtaining Money Services Business, Money Transmitter, and Lender Licenses in all U.S. states
• Performing Corporate Secretarial services to corporate and financial services entities
• Serving as US General Counsel to foreign banking organizations and fintechs
• Serving as Financial Services Regulatory counsel
• Providing regulatory and third-party examination management