Our Team

Kokila Alagh

Founder

kokila@karmadv.com

Kokila Alagh

Founder

Kokila is the Founder of KARM Legal Consultants and has 15 years of experience as a Corporate/Commercial and technology lawyer in UAE. She has a significant experience in investments, incorporations, joint ventures, project finance & private equity transactions. She has actively advised on acquisition finance, project finance transaction, corporate restructuring, real estate finance and asset finance transactions.  At KARM, she has provided legal advice to clients providing highly specialized technology offering including MedTech and InsureTech focused entities.

Akshata Namjoshi

Lead: Fintech, Blockchain, Emerging Tech

akshata@karmadv.com

Akshata Namjoshi

Lead: Fintech, Blockchain, Emerging Tech

Akshata is a Fintech Lead at KARM Legal, and has experience in the UAE and India. Prior to joining KARM Legal, She was working with the leading law firms in India and UAE. She has advised high net individuals and corporates on Banking, Mergers and Acquisitions, Corporate Debt Restructuring, and Corporate Governance related issues. 

At KARM, she leads the FinTech, Blockchain, Artificial Intelligence and Emerging Tech practice at KARM. She has advised multiple clients on Security Token Offerings and Initial Coin Offerings; fundraising through seed and crowdfunding; setting up of crypto-currency exchanges and, deployment of public and enterprise blockchains. Additionally, she has also advised clients on policies and compliances for use of artificial intelligence in the financial sector. 


Aileen Navarez Amaranto

Business Setup Advisor

aileen@karmadv.com

Aileen Navarez Amaranto

Business Setup Advisor

Aileen is a Business Set-up Advisor at KARM Legal, having over 12 years of professional experience in company incorporation and has worked with leading law  firms in Dubai. She has set up over a score of companies in different jurisdictions. 

Her research skills are incomparable, thus ensuring that all legal documents and administrative needs are of the highest quality. She handles advisory works for  setting up of different entities in different jurisdictions. She assists clients in registering trademarks in different jurisdictions, and handles business set-up for the  clients including notarisations, legalisations and attestations of documents in different Consulates and coordinates with different Government Departments and  Ministries for issuance of approvals for company establishment in the Emirates.

Imogene De Beer

Senior Associate

imogene@karmadv.com

Imogene De Beer

Senior Associate

Imogene is a Senior Associate at KARM Legal Consultants. With over eight years of professional experience across a versatile legal portfolio, Imogene has a proven track record of handling high-profile and time-sensitive cases in an expert fashion. Her expertise span across multiple branches of law, including Corporate, Labor, Criminal, and Family.

 

Before moving to Dubai, Imogene practiced as an Attorney after passing the Pupilage Program General Bar Council of South Africa in 2014. Following this, she advanced as an Advocate of the General Bar Council in 2015.

 

Imogene has successfully represented and personally handled Private Limited Companies, Public Limited Companies, and independent individuals. Some of which include high-net and celebrity clients in a wide variety of disputes from core commercial to criminal offences.

 

EDUCATION:

LLB - University of Pretoria, South Africa.

Pupilage Program General Bar Council of South Africa 2014

Ratul Roshan

Associate

ratul@karmadv.com

Ratul Roshan

Associate

Ratul is an Associate at KARM Legal and worked in the technology regulatory and policy space in India earlier. He has advised global cloud service providers, online content platforms, fintechs, ecommerce platforms, gaming platforms, aerospace startups, and search engine platforms on government relations and policy advocacy. His advisory experience includes personal and non-personal data protection, privacy, content regulation, artificial intelligence, intermediary liability, and cloud infrastructure ownership, amongst others. He was also an active contributor to whitepapers, position papers and guidance documents released by global multilateral organisations on blockchain, smart contracts and the like. At KARM, he works across verticals and assists in matters relating to Data Protection, Gaming, AI Blockchain, Financial Technologies, AML/KYC, amongst other emerging technologies. He has advised clients on token offerings, fundraising, setting up of cryptocurrency exchanges, deployment of public and enterprise blockchains, and on digital wallets and payments solutions.

Education

LL.B., Faculty of Law, University of Delhi

B.A. (Hons), Sociology, Hindu College, University of Delhi


Select representation

-Speaker for RFMLR TechTalk: A Webinar Series on Digital Commerce and Fintech Law on ‘Smart Contracts’.

-Panelist for Indian Conference on Artificial Intelligence and Law, 2020 by Indian Society of Artificial Intelligence and Law on Algorithmic Trading & monetization and Policy Constraints.

-Trainer for the Personal Data Protection module of LawSikho’s Diploma in Cyber Law, FinTech Regulations and Technology Contracts.

Memberships

Bar Council of India, 2018

Manav Joshi

Associate

manav@karmadv.com

Manav Joshi

Associate

Manav is an Associate at KARM Legal, having previous experience at leading law firms in the UAE. At KARM, he has experience in assisting KARM’s clients in the specialised fields of Fintech, Insuretech, Medtech and Data Protection. As a member of the KARM research team, he is responsible for researching the nuanced changes in regulations and assisting with the adaptation of legal opinions to reflect regulatory compliance. 

He has assisted members of the KARM team in the drafting and reviewing of a multitude of contracts and other legal documents, including software licensing and sub-licensing agreements, escrow agreements, shareholders’ agreements, employment contracts, staff handbooks etc.  He was a contributor to the Arab Monetary Fund mandated policy guidelines on Digital ID and e-KYC within the Fintech realm and is currently working on policy guidelines for New Age Alternative Finance Solutions.

Anibal Suriel

Associate

anibal@karmadv.com

Anibal Suriel

Associate

Anibal is an Associate at KARM Legal, having worked in the emerging technology space in New York, NY and Miami, FL earlier as both a cryptocurrency advisor, and an associate counsel at R3 LLC, creators of the Corda blockchain.

He has given legal advice on US based cryptocurrency projects, with a focus on NY and their “Bit License,” in addition to: private placement memorandums, commercial agreements, license agreements, shareholder agreements, agency agreements, data protection & anti-money laundering compliance, SaaS platforms, online content platforms, fintech, and ecommerce platforms.

He has advised high net-worth individuals on cryptocurrency projects, whitepaper drafting, real estate projects, privacy, content regulation, artificial intelligence, and intermediary liability, etc.

At KARM, he works across verticals and assists in matters relating to Data Protection, AI, Blockchain, Financial Technologies, AML/KYC, etc., amongst other emerging technologies. He has advised clients on token offerings, fundraising, setting up of cryptocurrency exchanges, deployment of public and enterprise blockchains, and on digital wallets and payments solutions.

EDUCATION

Juris Doctor, with concentrations in Business & Financial Law and Intellectual Property, Fordham University School of Law, New York, NY USA

Bachelor of Science in Business Economics, New York University Stern School of Business, New York, NY USA

Bachelor of Science in Political Science with a minor in Psychology, New York University College of Arts and Science, New York, NY USA

 

MEMBERSHIPS

New York Bar of Attorneys, 2021

Florida Bar of Attorneys, 2021

Bryce Mendonca

Junior Associate

bryce@karmadv.com

Bryce Mendonca

Junior Associate

Bryce is an Associate at KARM Legal, with a multidisciplinary background, studying business and science alongside law. He brings with him experience in corporate, commercial law and intellectual property across various jurisdictions, having worked for leading law firms in the UAE and the UK.

As a member of KARM, he advises and assists across all of KARM’s practice areas. He is responsible for drafting and reviewing various commercial agreements and other legal documents, including shareholders agreement, share subscription, joint ventures, sale of future equity, collaboration agreements, licensing agreements, legal opinions and conducting legal, due diligence. Additionally, he guides clients on the various regulatory compliance and licensing requirements within the UAE, across the mainland, free zones, including specific submissions such as economic substance.

Education

Legal Practice Course & LLM in Professional Practice, University of Law, UK

Graduate Diploma in Law, University of Law, UK

Bsc (Hons) Environmental Science, University of Plymouth, UL

Articles Authored/Co-Authored

•The Regulation Security Tokens in the UAE, Corporate Investment Times, May 2021

Ishan Pandey

Legal Researcher

ishan@karmadv.com

Ishan Pandey

Legal Researcher

Ishan is a Legal Researcher at Karm Legal with experience in blockchain, data privacy, security tokens, and merchant banking. At Karm, he assists KARM’s clients with research in specialised fields of Fintech, blockchain, data protection etc. Ishan is passionate about regulations and new age technologies that are removing inefficiencies and disrupting our society.

Education:

B.COM + LL.B, Institute of Law, Nirma University

Membership:

National Institute of Securities Markets (NISM) – Series -IX: Merchant Banking – Valid till 2023.

Articles Authored/Co-Authored

• War of A.I: A Hard Science Fiction Thriller From The Future

• Regulatory approach of the monetary authority of Singapore towards digital token exchanges - International journal of legal research.

• Why TikTok is a threat to national security if left unchecked – Wion News

• The race for national digital currency is gaining momentum, is India lagging behind? – Wion News

• National security law and end of Hong Kong as we know it – Wion News

• Compliance by Design is the future of Blockchains – Hacker Noon

• The Future of Gaming is NFTs – Hacker Noon

• Defi & Traditional Finance Aren't Much Different, But Defi Requires Lesser Trust – Hacker Noon

• NFTs Are the Perfect Bridge Between In-Game Items & Real-World Value – Hacker Noon

Mary Christine Montalban

Office Administrator

admin@karmadv.com

Mary Christine Montalban

Office Administrator

Christine is the Administration and Operations In-Charge at KARM, having 10 years of professional experience in administrative operations both in  the Philippines and Dubai. At KARM, she oversees the smooth and efficient operation of all aspects of the organisation. 

Kokila Alagh

Founder

kokila@karmadv.com

Kokila Alagh

Founder

Kokila is the Founder of KARM Legal Consultants and has 15 years of experience as a Corporate/Commercial and technology lawyer in UAE. She has a significant experience in investments, incorporations, joint ventures, project finance & private equity transactions. She has actively advised on acquisition finance, project finance transaction, corporate restructuring, real estate finance and asset finance transactions.  At KARM, she has provided legal advice to clients providing highly specialized technology offering including MedTech and InsureTech focused entities.

Akshata Namjoshi

Lead: Fintech, Blockchain, Emerging Tech

akshata@karmadv.com

Akshata Namjoshi

Lead: Fintech, Blockchain, Emerging Tech

Akshata is a Fintech Lead at KARM Legal, and has experience in the UAE and India. Prior to joining KARM Legal, She was working with the leading law firms in India and UAE. She has advised high net individuals and corporates on Banking, Mergers and Acquisitions, Corporate Debt Restructuring, and Corporate Governance related issues. 

At KARM, she leads the FinTech, Blockchain, Artificial Intelligence and Emerging Tech practice at KARM. She has advised multiple clients on Security Token Offerings and Initial Coin Offerings; fundraising through seed and crowdfunding; setting up of crypto-currency exchanges and, deployment of public and enterprise blockchains. Additionally, she has also advised clients on policies and compliances for use of artificial intelligence in the financial sector. 


Aileen Navarez Amaranto

Business Setup Advisor

aileen@karmadv.com

Aileen Navarez Amaranto

Business Setup Advisor

Aileen is a Business Set-up Advisor at KARM Legal, having over 12 years of professional experience in company incorporation and has worked with leading law  firms in Dubai. She has set up over a score of companies in different jurisdictions. 

Her research skills are incomparable, thus ensuring that all legal documents and administrative needs are of the highest quality. She handles advisory works for  setting up of different entities in different jurisdictions. She assists clients in registering trademarks in different jurisdictions, and handles business set-up for the  clients including notarisations, legalisations and attestations of documents in different Consulates and coordinates with different Government Departments and  Ministries for issuance of approvals for company establishment in the Emirates.

Imogene De Beer

Senior Associate

imogene@karmadv.com

Imogene De Beer

Senior Associate

Imogene is a Senior Associate at KARM Legal Consultants. With over eight years of professional experience across a versatile legal portfolio, Imogene has a proven track record of handling high-profile and time-sensitive cases in an expert fashion. Her expertise span across multiple branches of law, including Corporate, Labor, Criminal, and Family.

 

Before moving to Dubai, Imogene practiced as an Attorney after passing the Pupilage Program General Bar Council of South Africa in 2014. Following this, she advanced as an Advocate of the General Bar Council in 2015.

 

Imogene has successfully represented and personally handled Private Limited Companies, Public Limited Companies, and independent individuals. Some of which include high-net and celebrity clients in a wide variety of disputes from core commercial to criminal offences.

 

EDUCATION:

LLB - University of Pretoria, South Africa.

Pupilage Program General Bar Council of South Africa 2014

Ratul Roshan

Associate

ratul@karmadv.com

Ratul Roshan

Associate

Ratul is an Associate at KARM Legal and worked in the technology regulatory and policy space in India earlier. He has advised global cloud service providers, online content platforms, fintechs, ecommerce platforms, gaming platforms, aerospace startups, and search engine platforms on government relations and policy advocacy. His advisory experience includes personal and non-personal data protection, privacy, content regulation, artificial intelligence, intermediary liability, and cloud infrastructure ownership, amongst others. He was also an active contributor to whitepapers, position papers and guidance documents released by global multilateral organisations on blockchain, smart contracts and the like. At KARM, he works across verticals and assists in matters relating to Data Protection, Gaming, AI Blockchain, Financial Technologies, AML/KYC, amongst other emerging technologies. He has advised clients on token offerings, fundraising, setting up of cryptocurrency exchanges, deployment of public and enterprise blockchains, and on digital wallets and payments solutions.

Education

LL.B., Faculty of Law, University of Delhi

B.A. (Hons), Sociology, Hindu College, University of Delhi


Select representation

-Speaker for RFMLR TechTalk: A Webinar Series on Digital Commerce and Fintech Law on ‘Smart Contracts’.

-Panelist for Indian Conference on Artificial Intelligence and Law, 2020 by Indian Society of Artificial Intelligence and Law on Algorithmic Trading & monetization and Policy Constraints.

-Trainer for the Personal Data Protection module of LawSikho’s Diploma in Cyber Law, FinTech Regulations and Technology Contracts.

Memberships

Bar Council of India, 2018

Manav Joshi

Associate

manav@karmadv.com

Manav Joshi

Associate

Manav is an Associate at KARM Legal, having previous experience at leading law firms in the UAE. At KARM, he has experience in assisting KARM’s clients in the specialised fields of Fintech, Insuretech, Medtech and Data Protection. As a member of the KARM research team, he is responsible for researching the nuanced changes in regulations and assisting with the adaptation of legal opinions to reflect regulatory compliance. 

He has assisted members of the KARM team in the drafting and reviewing of a multitude of contracts and other legal documents, including software licensing and sub-licensing agreements, escrow agreements, shareholders’ agreements, employment contracts, staff handbooks etc.  He was a contributor to the Arab Monetary Fund mandated policy guidelines on Digital ID and e-KYC within the Fintech realm and is currently working on policy guidelines for New Age Alternative Finance Solutions.

Anibal Suriel

Associate

anibal@karmadv.com

Anibal Suriel

Associate

Anibal is an Associate at KARM Legal, having worked in the emerging technology space in New York, NY and Miami, FL earlier as both a cryptocurrency advisor, and an associate counsel at R3 LLC, creators of the Corda blockchain.

He has given legal advice on US based cryptocurrency projects, with a focus on NY and their “Bit License,” in addition to: private placement memorandums, commercial agreements, license agreements, shareholder agreements, agency agreements, data protection & anti-money laundering compliance, SaaS platforms, online content platforms, fintech, and ecommerce platforms.

He has advised high net-worth individuals on cryptocurrency projects, whitepaper drafting, real estate projects, privacy, content regulation, artificial intelligence, and intermediary liability, etc.

At KARM, he works across verticals and assists in matters relating to Data Protection, AI, Blockchain, Financial Technologies, AML/KYC, etc., amongst other emerging technologies. He has advised clients on token offerings, fundraising, setting up of cryptocurrency exchanges, deployment of public and enterprise blockchains, and on digital wallets and payments solutions.

EDUCATION

Juris Doctor, with concentrations in Business & Financial Law and Intellectual Property, Fordham University School of Law, New York, NY USA

Bachelor of Science in Business Economics, New York University Stern School of Business, New York, NY USA

Bachelor of Science in Political Science with a minor in Psychology, New York University College of Arts and Science, New York, NY USA

 

MEMBERSHIPS

New York Bar of Attorneys, 2021

Florida Bar of Attorneys, 2021

Bryce Mendonca

Junior Associate

bryce@karmadv.com

Bryce Mendonca

Junior Associate

Bryce is an Associate at KARM Legal, with a multidisciplinary background, studying business and science alongside law. He brings with him experience in corporate, commercial law and intellectual property across various jurisdictions, having worked for leading law firms in the UAE and the UK.

As a member of KARM, he advises and assists across all of KARM’s practice areas. He is responsible for drafting and reviewing various commercial agreements and other legal documents, including shareholders agreement, share subscription, joint ventures, sale of future equity, collaboration agreements, licensing agreements, legal opinions and conducting legal, due diligence. Additionally, he guides clients on the various regulatory compliance and licensing requirements within the UAE, across the mainland, free zones, including specific submissions such as economic substance.

Education

Legal Practice Course & LLM in Professional Practice, University of Law, UK

Graduate Diploma in Law, University of Law, UK

Bsc (Hons) Environmental Science, University of Plymouth, UL

Articles Authored/Co-Authored

•The Regulation Security Tokens in the UAE, Corporate Investment Times, May 2021

Ishan Pandey

Legal Researcher

ishan@karmadv.com

Ishan Pandey

Legal Researcher

Ishan is a Legal Researcher at Karm Legal with experience in blockchain, data privacy, security tokens, and merchant banking. At Karm, he assists KARM’s clients with research in specialised fields of Fintech, blockchain, data protection etc. Ishan is passionate about regulations and new age technologies that are removing inefficiencies and disrupting our society.

Education:

B.COM + LL.B, Institute of Law, Nirma University

Membership:

National Institute of Securities Markets (NISM) – Series -IX: Merchant Banking – Valid till 2023.

Articles Authored/Co-Authored

• War of A.I: A Hard Science Fiction Thriller From The Future

• Regulatory approach of the monetary authority of Singapore towards digital token exchanges - International journal of legal research.

• Why TikTok is a threat to national security if left unchecked – Wion News

• The race for national digital currency is gaining momentum, is India lagging behind? – Wion News

• National security law and end of Hong Kong as we know it – Wion News

• Compliance by Design is the future of Blockchains – Hacker Noon

• The Future of Gaming is NFTs – Hacker Noon

• Defi & Traditional Finance Aren't Much Different, But Defi Requires Lesser Trust – Hacker Noon

• NFTs Are the Perfect Bridge Between In-Game Items & Real-World Value – Hacker Noon

Mary Christine Montalban

Office Administrator

admin@karmadv.com

Mary Christine Montalban

Office Administrator

Christine is the Administration and Operations In-Charge at KARM, having 10 years of professional experience in administrative operations both in  the Philippines and Dubai. At KARM, she oversees the smooth and efficient operation of all aspects of the organisation. 

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