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. 


Michael's experience includes:

  • Advising a UK high street bank on the regulatory aspects of its acquisition of a peer to peer lending platform. 
  • Advising a UK fintech on the regulatory aspects of the creation of a tokenised commodities exchange. 
  • Advising a US technology company on the potential credit and regulatory implications of its AI based fraud identification service created to reduce fraud and chargebacks for merchants in over two dozen jurisdictions. 
  • Advising a number of financial institutions and corporate entities on mandates pertaining to payment services, e-money and SEPA regulations, open banking, buy-now-pay-later, cryptocurrencies and regulated lending.
  • Conducting a Root Cause Analysis investigation for a global insurance company in relation to potential mis-selling of business interruption policies during Covid-19. 
  • Conducting an internal investigation for a telecommunications company and assisting with its notifications to the Financial Conduct Authority. 
  • Advising fund managers on the creation of new sub-funds and conducting MiFID perimeter analyses. 
  • Advising a global bank on the terms and regulatory journey of its mobile application based SME savings account.
  • Advising a global bank on the Consumer Credit Act aspects of its Coronavirus Business Interruption Loan Scheme (CBILS) products. 
  • Cantonese - good command
  • Mandarin - good command
Professional Memberships
  • Law Society of England & Wales