I am a senior associate in Fox Williams' financial services team, with a special interest in FinTech and payments.”
I advise on a wide range of UK and EU regulatory matters including authorisation and licensing; regulation of financial markets and instruments; funds and investments; banking and insurance; and payments and electronic money. I also advise clients on regulatory processes including applications for permission and regulatory change / implementation projects. I have experience with a number of international and domestic banks, investment firms, funds, payment providers, e-money issuers technology service providers, social trading and investment platforms, and other clients; and have a specific interest in FinTech regulation, including payments, Open Banking and the developing regulation of cryptocurrencies and related exchanges.
I joined Fox Williams LLP in October 2018, after training at Clifford Chance LLP and qualifying into their Financial Regulatory Practice in September 2012. Whilst at Clifford Chance, I completed client secondments at Citibank and MasterCard.
Advised an insurance group on their group solvency requirements and on correspondence with the PRA.
Advised a large European bank on their FCA and PRA regulatory reporting requirements.
Advised numerous EEA and international banks and payment services providers on the implementation of the second Payment Services Directive, including ongoing advice on strong customer authentication. Advised unregulated online merchants on the same (including providing detailed advice to clients in the travel and hospitality industry on one-time passcodes, surcharging, and chargebacks).
Advised a large multinational corporate with a range of regulatory matters including the acquisition of a regulated entity, regulatory due diligence and an FCA change in control application.
Advised an e-money institution and a cryptocurrency exchange on a range of regulatory and other matters, including consumer rights, AML and FSCS eligibility.