EXPERTISE

Michael is an Associate in Addleshaw Goddard's Financial Services department and advises financial institutions, corporates and fintechs on financial regulatory matters. Prior to joining Addleshaw Goddard, Michael was Legal Counsel at Bank of China (UK Limited and London Branch) and trained as a solicitor at a global law firm in the City. Michael has broad exposure to cross border non-contentious regulatory matters in particular in the payments, consumer finance and financial markets practices. Michael has also acted on a number of internal investigations and remediation mandates from a conduct and governance perspective. 

Experience

Michael's experience includes:

  • Advising a global bank on the customer and regulatory journey of its mobile application based SME savings account.
  • Advising a number of financial institutions and corporate entities on mandates pertaining to SEPA regulations, open banking, buy-now-pay-later, cryptocurrencies and regulated lending.
  • Assisting a global technology company on its limited network exclusion notifications regarding its e-store gift card programme to over a dozen EU regulators as a result of PSD2 and the Payment Services Regulations. 
  • Conducting a MiFID II perimeter analysis for a Malaysian investment house's UK subsidiary. 
  • Advising a UK Fund Manager on the creation of new sub-funds. 
  • Advising a UK Fin Tech on the regulatory aspects of the creation of a tokenised commodities exchange. 
  • Advising a telecommunications company on its SUP15 notifications to the Financial Conduct Authority. 
  • Conducting a Root Cause Analysis investigation for a global insurance company in relation to potential mis-selling of Business Interruption policies during Covid-19. 
  • Advising a global bank on the Consumer Credit Act aspects of its Coronavirus Business Interruption Loan Scheme (CBILS) products. 
  • Advising a UK high street bank on the regulatory aspects of its acquisition of a peer to peer lending platform. This included the review of investor and borrower terms, security agreements, provision fund and financial promotions.
  • Advising a US technology company on the potential credit and regulatory implications of its AI based fraud identification product created to reduce fraud and chargebacks for merchants in over two dozen jurisdictions. 
  • Conducting a regulatory review for a Japanese-UK lender on its commercial arrangements and agreements with its appointed representatives.
Languages
  • Cantonese - good command
  • Mandarin - good command
Professional Memberships
  • Law Society of England & Wales