Expertise

Rebecca has been Senior Legal Counsel at HSBC Bank plc (Retail Banking team) where she worked for 7 years prior to joining AG in October 2015. Her experience includes:

  • A subject matter expert in payment services regulation leading legal support on implementation projects on behalf of the firm relating to the second Payment Services Directive and Open Banking under CMA Retail Banking Market Investigation Order. Leading the legal support for the firm relating to the implementation of the second Wire Transfer Regulations. Extensive knowledge of SEPA End Date Regulation and SEPA scheme rulebooks
  • Deep experience of the first payment services regulation advising on authorisation requirements, payment systems and procedures, drafting terms and conditions and advising on liability models
  • Digital and mobile financial services offering. Extensive digital expertise, including leading the legal support for the implementation of mobile payment offerings, mobile apps, new internet banking platforms and two factor authentication tools. Advising on the implementation of Apple Pay, Samsung Pay and Android Pay. Advising fin tech companies in relation to new payment initiatives
  • Advising on all aspects of savings products, including the development of new propositions, drafting terms and conditions, advising on BCOBs, the impact of the PSRs, ISA regulation and the Code of Conduct for Advertising Interest Bearing Accounts
  • Advising on all regulatory issues in respect of current accounts including financial promotions, drafting terms and conditions, PSR compliance, Payment Account Regulations (PAR), Consumer Credit Act and subordinate legislation (CCA) regulation of overdrafts and BCOBs
  • Consumer credit, working on the transition of consumer credit regulation to the FCA which involved advising on the applications to the FCA for variations of permissions and the implementation of the Consumer Credit Sourcebook (CONC). Revving consumer credit documentation and procedures for compliance
  • E-Money Regulations; E-Commerce Regulations and the Equality Act
  • Drafting terms and conditions for non-financial services such as reward schemes and prize draws
  • Reviewing and advising on customer facing communications including website content.

Education

  • Year qualified - 2012
  • Law and Anthropology BA Hons, London School of Economics and Political Science
  • LPC College of Law - London
  • LLM International Economic Law, University of Warwick