EXPERTISE

Michael is an Associate in the Financial Regulation team. 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 advises on financial markets, payments, funds and consumer finance matters. 

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 listed and private corporate and banking clients on mandates pertaining to SEPA regulations, cryptocurrencies, open banking, regulated lending and consumer finance.
  • 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. 
Languages
  • Cantonese - good command
  • Mandarin - good command
Professional Memberships
  • Law Society of England & Wales