Talia is an associate in the Financial Regulation team at Addleshaw Goddard. Her clients include banks and building societies, and consumer lending, FinTech and payment services firms. She has particular expertise in payments law. She advises on regulatory aspects of M&A transactions, regulatory compliance, and on how regulation can affect FinTech start-ups. Talia takes a pragmatic and solutions-based approach, whether drafting consumer contracts or negotiating commercial agreements, undertaking due diligence for clients acquiring regulated firms, or providing standalone advice.
Examples of her practice include:
- Advising UK banks, building societies and foreign banks on their PSD2 implementation process – from initial gap analysis through to finalised terms and operational and process changes
- Advising banks and merchants on the application of the Regulatory Technical Standards on strong customer authentication and common and secure communication
- Assisting a private US bank with its FCA authorisation application to open an investment management branch in the UK and its subsequent regulatory correspondence with the FCA
- Advising a UK e-money provider exercising passporting rights in the EU on a range of matters from BAU queries, to safeguarding and redemption of funds, and surrender of permissions
- Advising hire purchase firms on their interactions with the FCA and ongoing legal compliance
- Advising a multinational firm on cross-jurisdictional application of limited network exclusion under PSD2
- Advising firms including various online marketplaces and credit brokers on the regulatory perimeter
- Advising a US broker-dealer on ongoing compliance issues, including financial promotions and passporting, and assisting with the change in controller notifications and approved person applications relating to its acquisition of a UK authorised firm
- Advising a UK bank on its outsourcing contract with Vocalink and
- Advising on the structure of, and drafting regulatory documents for, a major listed US merchant acquirer entering the UK market.