I work with a diverse range of clients from the financial services sector including consumer credit and mortgage firms, insurance brokers, payment service providers, electronic money issuers and investment firms. I assist clients with a diverse range of queries, including advising as to whether clients fall within the scope of regulation, assisting with regulatory applications for authorisation or in relation to a change of control, conduct of business issues and the issuance of financial promotions. Financial services legislation is notoriously complex and I enjoy providing clients with clear advice and developing practical solutions in relation to ever-evolving regulatory challenges.I work with firms to ensure that they have the full range of documentation necessary in order to run a compliant business, including product terms and conditions, internal policies and disclosure documents. I have experience in assisting clients to negotiate a variety of commercial arrangements, especially those within the payments sector such as merchant acquiring agreements.I am particularly interested in the use of emerging technologies within the financial services sector and the regulatory challenges that these new technologies pose. I have followed the open banking initiative, development of cryptocurrencies and use of AI within financial services with interest.