Jeff Alvares is senior counsel at the Central Bank of Brazil, leading legal and policy work on financial regulation, fintech, and payments. He previously served at the Financial Stability Board, directing the G20 Cross-Border Payments Roadmap. With nearly two decades in financial law and policy, he helped design regulatory frameworks at the International Monetary Fund and World Bank. A graduate of Harvard Law School and University of São Paulo, he writes at jeffalvares.com.