VARELA | ABOGADOS

José Luis Enberg is a lawyer and consultant at VARELA | ABOGADOS.

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José Luis focuses his practice on regulatory and financial law, fintech, personal data protection, and real estate law, advising companies and individuals on strategic and litigation matters as well as on day-to-day legal management.

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He has extensive experience in civil and commercial law, including the drafting, negotiation, and performance of complex contracts, project finance, and ongoing counsel to domestic and international companies, with a practical, preventive, and risk-management-oriented approach. He also advises technology companies, fintech companies, financial service providers, and foreign investors at every stage of their operations in Chile, including the design of their regulatory model and ongoing compliance.

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In personal data protection, he advises domestic and international companies on compliance with Law No. 21,719, including compliance assessments, privacy policies, data processor agreements, and international data transfers. In administrative and regulatory matters, he has advised clients on the interpretation and application of financial sector regulations, the preparation of legal opinions, regulatory analysis, and the processing of permits, licenses, and authorizations before government agencies, as well as on the defense of their interests before regulatory authorities, actively participating in administrative proceedings, public consultation processes, and inspections.

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In dispute resolution, he has participated in civil litigation and arbitration, particularly in contractual, real estate, and infrastructure disputes.

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He previously worked as an associate and senior associate at leading law firms, and as in-house counsel at a nationwide fintech company, gaining experience both in private practice and in in-house corporate advisory work and business structuring.

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Previous professional experience

• Carey, senior associate.

• Cubillos Evans, associate.

• Grupo Tenpo (Tenpo and affiliates), senior counsel.

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Academic background

• Attorney at Law, Supreme Court of Justice, 2019

• LL.B., Pontificia Universidad Católica de Chile (highest distinction)

• Diploma in Finance, University of Chile

• Diploma in Data Protection, Pontificia Universidad Católica de Chile

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Press and Publications

• "CMF publishes for public consultation a proposed amendment to the rule governing financial service providers under the Fintech Law"), Diario Constitucional, 2024. View publication

• "Proposal to amend the rules governing financial service providers", Top Ranked Legal, 2024. View publication

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Languages

• Spanish

• English

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