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Meridius Advisory

Transforming regulatory complexity into strategic advantage.

Regulatory strategy for financial services and AI.

Meridius is a boutique advisory specializing in regulatory strategy, governance, and technology-enabled transformation.

We help financial institutions, fintechs, insurers, and technology-driven businesses navigate regulatory complexity, align regulatory requirements with business objectives, and establish effective AI governance.

Every engagement is led directly by a senior partner, combining deep regulatory expertise, business perspective, and actionable guidance to support sustainable growth and resilience.

Book a 30-min call →See our services →

We assess your regulatory landscape and recommend actionable next steps.

When clients call us

  • You are preparing an authorization request to the BCB or CVM.
  • You received a supervisory request, inspection or finding from independent auditors.
  • You are launching a payment, credit, insurance or embedded finance product.
  • You are deploying AI in your company.
  • You need senior regulatory direction, but not a full-time senior hire.
Not sure where to start? Book a 30-min call →

Why Meridius

Partner-Led Advisory

Every engagement is led directly by a senior partner, ensuring deep expertise, continuity, and accountability from strategy through execution.

Integrated Strategic Perspective

We combine regulatory expertise, business strategy, and technology to navigate complexity, align priorities, and support informed decision-making.

Execution-Oriented Approach

We translate strategic recommendations into actionable roadmaps, with priorities, ownership, timelines, dependencies, and trade-offs.

SERVICES

What We Deliver

Five services. One goal: regulation that supports business growth.

01

Regulatory Readiness

Understand where you stand and what to prioritize.

For: Institutions preparing for regulatory authorization, a new product launch, a supervisory inspection, or an investment round, as well as regulated institutions adapting to new or evolving regulatory requirements.

You receive

  • A comprehensive assessment of governance, operations, processes, and internal controls against applicable regulatory requirements
  • a prioritized gap analysis based on regulatory, operational, and reputational risks
  • an actionable remediation roadmap with clear priorities, ownership, timelines, and estimated effort.

02

Regulatory Monitoring

Identify compliance gaps before they become findings.

For: Regulated institutions seeking to monitor evolving regulatory requirements, track compliance obligations, and maintain oversight of their regulatory commitments.

You receive

  • Identification and assessment of regulatory changes and their potential business impact
  • guidance on regulatory obligations, monitoring priorities, and key compliance indicators
  • advisory support in tracking adherence to regulatory requirements and established indicators
  • follow-up on remediation plans and regulatory commitments.

03

Privacy & AI Governance

Enable responsible AI and data use through effective governance and regulatory alignment.

For: Organizations using or planning to adopt AI solutions and personal data in regulated activities, seeking to align their practices with applicable regulatory requirements and governance standards.

You receive

  • An assessment of AI governance and compliance with applicable regulatory requirements
  • identification and classification of AI solutions and use cases based on risk levels, including high-risk applications
  • guidance on AI governance policies, approval processes, oversight, and accountability
  • a privacy and data protection assessment aligned with LGPD and sector-specific regulations
  • an actionable roadmap to address identified gaps, including recommendations for AI governance and risk management tools where appropriate.

04

On-Demand Advisory

Senior regulatory expertise when critical decisions cannot wait.

For: Business leaders seeking timely, senior-level regulatory guidance without a full-scale engagement.

You receive

  • Regulatory guidance on new products, business models, and market entry
  • assessments of regulatory changes and their impact on operations and strategic plans
  • advisory support on governance, compliance, privacy, AI, and operational risk.

05

Fractional Chief Regulatory Officer

Senior regulatory leadership without a full-time executive hire.

For: Fintechs and Banking-as-a-Service (BaaS) requiring senior regulatory leadership as they scale.

You receive

  • Strategic regulatory guidance for founders and executive leadership, including supervisory readiness
  • design of the regulatory function, including operating models, governance routines, and escalation processes
  • alignment across Product, Technology, and Business on regulatory decisions
  • team development and regulatory maturity enhancement.

How we work

Every engagement follows a structured approach, from discovery to monitoring, with defined deliverables, responsibilities, timelines, and success criteria.

Our engagement methodology
  1. 01

    Discovery

    Context, scope and priorities

  2. 02

    Diagnosis

    Governance, processes, controls and regulatory gaps

  3. 03

    Recommendations

    Priorities, ownership, timelines and trade-offs

  4. 04

    Implementation Support

    Guidance on remediation and governance

  5. 05

    Monitoring

    Obligations, indicators and commitments

↺ Continuous improvement

Partner-led advisory

Senior regulatory guidance throughout the engagement

Specialized expertise

Brought in as needed

Regulation as Strategy

We align regulatory requirements with business objectives, enabling sustainable growth while managing risk.

Execution Over Theory

We translate recommendations into actionable plans with clear ownership, timelines, dependencies, and strategic trade-offs.

Built to Last

We help establish governance frameworks that adapt to evolving regulations and scale with the business.

REGULATORS & TOPICS

Regulatory and policy bodies we work with

  • BCB
  • CMN
  • CVM
  • SUSEP
  • ANS
  • ANPD
  • CADE
  • SENACON

Topics we cover

  • Regulatory Strategy
  • Fintech Setup
  • Regulatory Licensing
  • Governance
  • Internal Controls
  • Risk Management
  • AML/CFT
  • Third-Party & Vendor Risk
  • Fraud Prevention
  • Payments
  • Pix
  • Open Finance
  • Embedded Finance
  • Banking as a Service (BaaS)
  • Cyber Security
  • Privacy & Data Governance
  • AI Governance

WHO WE SERVE

Who we work with

From established financial institutions to emerging fintechs and technology companies, we support organizations navigating regulatory complexity and building compliant, resilient operations.

  • Financial Institutions & Digital Banks
  • Payment Institutions & Fintechs
  • BaaS Providers & Financial Infrastructure Platforms
  • Insurers & Insurtechs
  • Technology & AI Companies Operating in Regulated Markets
  • Companies Expanding into Financial Services Through Embedded Finance
  • Venture Capital & Private Equity Firms

Team

Gabrielle Hernandes, Partner at Meridius Advisory

Gabrielle Hernandes

Partner

Gabrielle Hernandes advises financial institutions, fintechs, BaaS providers, PSAVs, insurers and technology-driven businesses on regulatory strategy, governance and AI governance, translating regulatory requirements into business decisions.

She brings 15+ years of experience across banking, payments, fintech and insurance. Her career combines regulatory advisory and transformation leadership at KPMG with governance, risk and compliance leadership at Too Seguros and internal audit at BTG Pactual.

Corporate experience. An adviser’s perspective.

In corporate leadership and internal audit

Experience leading governance, risk and compliance, reporting to executives and shareholders, and assessing internal controls, operational risks and business continuity.

As a regulatory adviser

Experience working with founders and executive teams on new products, business models and evolving regulatory requirements, combining regulatory depth with business perspective to define priorities and actionable roadmaps.

View full career
Areas of expertise

Regulatory strategy and licensing, governance, risk management, internal controls, Open Finance, Pix, embedded finance, regulatory impact assessments, pre-M&A regulatory due diligence and AI governance.

Contributions to SaaS B2B and digital solutions, bridging regulatory, business, product and technology perspectives.

Professional experience
  • Meridius Advisory: Partner (June 2025 to present)
  • Anjos do Brasil: Senior Advisor & Mentor (June 2024 to June 2025)
  • KPMG Brazil: Partner Director, Regulatory & Financial Services | Advisory Innovation & Transformation Office (October 2022 to May 2024)
  • KPMG Brazil: Senior Manager, Regulatory & Financial Services Consulting (January 2019 to September 2022)
  • Too Seguros: Governance, Risk & Compliance Manager (February 2016 to August 2017)
  • BTG Pactual: Internal Audit, Financial Services (September 2015 to February 2016)
  • Deloitte Brasil: Audit, Consumer Business & Manufacturing (January 2015 to September 2015)
  • KPMG Brazil: Audit Senior, Financial Services (January 2012 to January 2015)
LinkedIn →

Regulatory Guides

Capa: Governança de IA

01 · PDF · 52 páginas

Governança de IA

Como gerir o uso de inteligência artificial à luz da LGPD e do PL 2338/2023

Capa: BaaS na prática

02 · PDF · 46 páginas

BaaS na prática

Governança, contratos e controles para adequação à Resolução Conjunta BCB/CMN n° 16/2025

Capa: Como estruturar a Política de BaaS

03 · PDF · 44 páginas

Como estruturar a Política de BaaS

Principais diretrizes para prestadoras de Banking as a Service à luz da Resolução Conjunta n° 16/2025, com minuta-modelo de política em anexo

Capa: Tarifas e remuneração no BaaS

04 · PDF · 27 páginas

Tarifas e remuneração no BaaS

Quem cobra, quem recebe e como demonstrar conformidade à Resolução Conjunta n° 16/2025

Capa: Prevenção à lavagem de dinheiro e ao financiamento do terrorismo

05 · PDF · 33 páginas

Prevenção à lavagem de dinheiro e ao financiamento do terrorismo

Principais obrigações de PLD/FT para instituições autorizadas pelo Banco Central do Brasil (BCB)

Capa: PLD/FTP em prestadoras de serviços de ativos virtuais (PSAVs)

06 · PDF · 26 páginas

PLD/FTP em prestadoras de serviços de ativos virtuais (PSAVs)

Normas do Banco Central do Brasil (BCB), leis brasileiras e controles aplicáveis a PSAVs e serviços com criptoativos

Capa: PLD/FTP no mercado supervisionado pela Susep

07 · PDF · 34 páginas

PLD/FTP no mercado supervisionado pela Susep

O que muda com a nova norma de prevenção à lavagem de dinheiro e ao financiamento do terrorismo e da proliferação, em vigor em 1º de janeiro de 2027, e o que ajustar a partir da Circular Susep n° 612/2020

Capa: eFX e cross-border

08 · PDF · 28 páginas

eFX e cross-border

Adequação regulatória para fintechs e instituições financeiras. O que revisar no enquadramento, nos fluxos, nos controles e nas informações prestadas ao Banco Central

Capa: PLD/FTP para setores obrigados não financeiros

09 · PDF · 16 páginas

PLD/FTP para setores obrigados não financeiros

Orientações para atividades do art. 9º da Lei n° 9.613/1998 fora do mercado financeiro, com foco em imobiliárias, joalherias e outros setores não financeiros.

Capa: Cadastro e reporte ao Coaf (Conselho de Controle de Atividades Financeiras)

10 · PDF · 21 páginas

Cadastro e reporte ao Coaf (Conselho de Controle de Atividades Financeiras)

Como se cadastrar, habilitar o acesso e comunicar ao Coaf pelo Siscoaf

CONTACT

Let’s Discuss Your Regulatory Challenges.

Every engagement begins with a conversation about your regulatory landscape, governance maturity, and strategic priorities. We tailor our approach to your organization's needs.

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