I am a retail financial services and regulatory lawyer with over 28 years of experience gained in Edinburgh and London, both in private practice and inhouse at a major UK bank and later at an international private bank.

I advise on all areas of retail and SME financial services law, including:

• payment services
• current and savings accounts
• cash management solutions and client money
• personal loans and overdrafts
• mortgage lending
• credit cards, charge cards and store cards
• insurance distribution
• funeral plan regulation
• Consumer Duty
• fairness of consumer contract terms
• simplification and readability of communications
• customer journeys (face-to-face, telephone and digital)
• commercial contracts with financial services elements
• ·outsourcing in financial services
• regulatory implementation and outcomes for policy and processes
• financial services aspects of cryptoassets
• retail regulatory compliance

My clients include household name banks and building societies; international and private banks; mortgage lenders; card companies; payment companies; FinTechs; and funeral plan providers. I have extensive experience in regulatory implementation projects, having advised on most major projects since 1997.