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Florence M. Dencker Terada is an experienced legal professional and educator specializing in data protection, privacy, and financial services. Currently serving as an Associate Professor at LEC - Legal, Ethics & Compliance and a Professor at multiple institutions including Escola Paulista de Direito and Universidade Presbiteriana Mackenzie, Florence focuses on digital law and the intersection of privacy with the financial industry. As the Head of Innovation in Financial Services at Opice Blum, Bruno, Abrusio e Vainzof Advogados Associados, Florence provides expertise in financial regulations concerning data protection and crypto assets. Previous roles include Data Protection Manager at Santander Bank, Senior Counsel at Federação Brasileira de Bancos, and a legal career that spans various sectors, including significant contributions to discussions on Open Banking and Cyber Security. Florence holds multiple advanced degrees from prestigious institutions such as USP and Insper, enhancing a strong foundation in commercial law and technology.