Banking & Fintech
EU regulatory and compliance counsel for banks, e-money and payment institutions, crypto-asset service providers, investment firms and lenders throughout Europe.
For over a decade, I have served as Head of Legal and Head of Compliance at Citadele Bank and other regulated financial institutions. Most regulatory advisers work from the outside. I have built and run compliance frameworks myself and have dealt directly with supervisors. My advice is practical and ready to implement, based on first-hand experience of how regulators review institutions and what works in daily operations. Much of EU financial regulation is harmonised: PSD2, EMD2, MiCAR, the AML package and GDPR apply across the EU. That lets me support institutions wherever they are licensed, working remotely and in English.
Services
- Compliance frameworks: drafting and improving policies, procedures and governance documents covering AML/CTF, sanctions, safeguarding, outsourcing, complaints and data protection (GDPR).
- Independent reviews: gap analyses, compliance audits, and preparation for inspections or remediation.
- Regulatory change: implementing AMLR/AMLA, PSD3/PSR, CCD2 and other upcoming requirements.
- Regulatory reporting: CRS, FATCA, CESOP and other reporting frameworks.
- Contracts: negotiating banking-as-a-service, safeguarding, correspondent, outsourcing and technology agreements.
- Compliance support on demand: ongoing or project-based support for compliance teams, MLROs and management bodies.
- Training: compliance training for boards and staff.
Why work with me?
- Practitioner’s perspective: a former Head of Legal and Compliance who knows the role from the inside.
- EU-wide focus: expertise in harmonised EU frameworks, applied to your business model.
- Flexible and direct: remote, project-based or ongoing support, working personally with me.