Ashley Shaden España Díaz

- Lead legal support for Spin Pagos (B2B payment processor) and provide legal counsel to Spin Crédito. - Draft and review a broad range of agreements, incorporating legal design standards. - Manage Legal Operations and automate legal processes using digital tools and AI. - Define regulatory compliance and AML (PLD) legal strategy. - Provide cross-functional legal support across business lines (Spin by Oxxo/IFPE, Spin Premia, NetPay). Achievements: - Implemented digital tools such as a CLM and an alerts system to support regulatory compliance. - Provided legal counsel throughout credit processes. - Led the design and implementation of Spin Pagos cancellation processes.

-Serve as legal owner for DiDi Card and key credit products (revolving credit, DiDi Loans, and Buy Now Pay Later). -Prepare and submit regulatory reports, and manage relationships with authorities (PROFECO, CONDUSEF, CNBV). -Provide end-to-end legal support to cross-functional teams (Product, Risk, Growth, Collections, Marketing, Compliance), including advertising review and new project advisory. -Design and implement risk management and audit frameworks (risk identification/mitigation, internal audits, and support for external audits). -Deliver AML (PLD) and personal data privacy trainings across the company using Synthesia, aligned with business needs and regulatory strategy. Achievements: -Designed, implemented, and automated a risk matrix that enabled the business to make informed decisions. -Implemented legal design across all customer-facing contracts. -Served as the legal lead for the design, legal strategy, and launch of the Buy Now Pay Later product.

-Manage the IFPE project and coordinate cross-functional deliverables. -Provide legal counsel to the investment adviser and mutual fund distributor, including support for new fintech/product initiatives. -Draft and review a wide range of agreements (client contracts, corporate governance, and M&A documentation). -Prepare regulatory filings, reports, and certifications with CNBV, CONDUSEF, SHCP, and AMIB. Achievements: -Co-led the team effort that secured Series B capital raise authorization, personally delivering approximately 50% of the required legal work and documentation. -Led the compilation and integration of the project file for submission to the CNBV.

-Manage regulatory reporting and relations with authorities (SEGOB, CONDUSEF, SHCP). -Support key corporate initiatives, including the credit card launch and the conversion of a commercial entity into a SOFOM. -Lead compliance and corporate governance, including drafting the compliance manual and overseeing full corporate governance processes. -Provide legal advisory across lending and credit products, including drafting/reviewing contracts and handling intellectual property filings. Achievements: -Provided end-to-end legal support for the launch of the credit card. -Secured CONDUSEF authorization to operate as a SOFOM ENR within six months. - Obtained CNBV approval for digital onboarding.

-Draft legal opinions on legislative initiatives. -Develop draft reform initiatives (amendment proposals). -Provide legal counsel to the Chair of the Children’s and Adolescents’ Rights Committee in the Chamber of Deputies. Achievements: -Reviewed and issued legal opinions on approximately 100 legislative bills. -Advised on the June 3, 2019 reform of the General Law on the Rights of Children and Adolescents.

-Conduct legal risk due diligence for banking institutions (Scotiabank and Santander) -Provide corporate governance support for all types of civil and commercial entities -Perform legal review and issuance of opinions for credit origination (credit openings) Achievements: -Led the development of an OCR solution to automate the legal review of corporate documents (articles of incorporation, powers of attorney, shareholders’/board resolutions, among others). -Conducted six legal risk due diligence audits for Scotiabank and Santander across fiduciary and corporate practice areas.

Financial Ecosystem. - Regulated Financial Institutions. - Non-regulated financial institutions. -Public Financial Sector. - FinTech - Authorities: CNBV, BANXICO, CONDUSEF, CONSAR, CNSF, SHCP.