Emily is a regulatory lawyer with a wealth of expertise in remediation, regulatory change implementation, consumer credit and retail conduct, and financial crime issues. Having worked for the financial services sector’s then regulator, the Financial Services Authority (FSA), now known as the Financial Conduct Authority (FCA), and also in-house with a high-profile bank and insurer, in addition to private practice, she has unrivalled experience in leading, structuring and implementing complex investigations and remediation programmes. Emily also advises on risk mitigation and compliance, corporate governance requirements for retail financial services and wealth managers, and regulatory systems and controls requirements.
A seasoned media contributor, Emily authored a CASS Chapter for a legal technical publication as well as developing anti-bribery and corruption guidance for a leading financial services trade association.
- Retail financial services regulation
- Banking and finance
- Fraud and corruption investigations
- Anti-bribery and anti-laundering compliance
- Sanctions compliance
- Financial-crime risk management
- Internal investigations
- Change management
- Governance and compliance health checks and reviews
- Acted in the first contested successful authorisation of a debt management firm
- Successfully defended the Director of a SIPP provider investigated by the FCA
- Acted in the internal investigation of sanctions breaches and self-reporting with no further action for the retailer
- Acted in the internal investigation for a global investment bank
- Acted in authorisations, systems and controls and distribution process reviews across the retail financial services sector
- Led a S166 review of a past business review for a retail investment manager to evaluate efficacy of review and develop recommendations for redress approach and delivery
- Managed a regulator-initiated investigation into money laundering systems, controls and governance in an offshore international wealth management division of a global bank
- Conducted a review of governance and systems and controls at the UK branch of a global South American Bank
- Led a S166 review and remediation project for a retail financial services provider including overseeing a past business review of suitability issues in the secured lending context
- Provided incident management and risk mitigation in relation to data theft and regulatory notification obligations for authorised firms and approved persons
- Provided strategic advice on emerging retail investment product risks and initiatives (e.g. implementation of RDR) and developed systemic responses for operational and oversight functions
- Advised on a wide range of contentious and non-contentious FSA-related issues including market abuse, retail stock broking and perimeter issues, insurance, and retail conduct-of-business issues for banking and insurance
| 2017 | Keystone Law | Consultant Solicitor |
| 2014 - 2017 | TLT LLP | Head of Financial Services Regulatory and Partner |
| 2011 - 2013 | Kinetic Partners LLP | Director |
| 2010 - 2011 | Santander UK plc | Senior Specialist Lawyer, Retail Banking |
| 2007 - 2010 | Barlow Lyde & Gilbert | Associate Director |
| 2002 - 2007 | Financial Services Authority (now the Financial Conduct Authority) | Technical Specialist |
| 2000 - 2002 | DLA | Associate |
| 1997 - 2000 | Norwich Union Group Legal (now Aviva) | Solicitor |
| 1991 - 1997 | Howes Percival | Solicitor and career break |
| 1990 - 1991 | Leathes Prior | Solicitor |
| 1986 - 1990 | DJ Freeman & Co | Solicitor |
| 1986 | Qualified as a solicitor |
| 1984 - 1986 | Taylor Garrett | Trainee Solicitor |