Cristina provides regulatory advice and support to a range of financial services providers, including clients working in insurance, wealth and asset management, payments and the FinTech and InsurTech spaces.
In addition to offering business critical regulatory advice, Cristina handles regulatory applications, oversees cross-border product expansions, and assists in establishing compliance structures. She takes a strategic, business-oriented approach, adapting to evolving regulations and client needs.
Cristina has broad expertise in handling claims and investigations involving various financial professionals, including financial advisors, asset managers, fund managers, offshore trustees, pension providers, accountants, and insolvency practitioners. She has managed pre-enforcement Financial Conduct Authority (FCA) matters, such as s165 requests, s166 skilled persons reviews, past business reviews, and redress exercises.
With established expertise in providing coverage advice on professional indemnity, directors’ and officers’ and financial institutions’ insurance, Cristina’s experience also extends to monitoring and providing strategic input on large cross border regulatory investigations and class actions.
Cristina has been secondments to global insurers enhanced her insurance sector expertise and broadened her commercial outlook, aiding in delivering pragmatic client solutions.
Expertise
- Commercial Disputes
- FCA Investigations
- InsurTech
- Financial services regulation
- Insurance coverage and monitoring
- Drafting regulated contracts
- Financial services investigations
Recent work
Tech, retail and professional services
Detailed advice and draft disclaimers for tech, retail and professional services businesses in respect of regulated activities, financial promotions and the regulatory perimeter.
Global MGA
Preparing a complex bespoke appointed representative agreement for a global MGA addressing multi-layer and concurrent insurance distribution of different products.
International InsurTech business
Detailed advice on group solvency to an established international InsurTech business regarding regulatory and prudential treatment of corporate structures with multiple insurance carriers.
InsurTech and FinTech businesses
Project managing the roll out and set up of services of InsurTech and FinTech businesses into different local markets within Europe.
InsurTechs, FinTechs brokers/MGAs and investment managers
General advice and drafting services for InsurTechs, FinTechs brokers/MGAs and investment managers in relation to bespoke policies, product design, insurance distribution, terms of business, delegated authority, appointed representative and other related commercial agreements.
Regulatory investigations
Ongoing advice on policy coverage, monitoring and strategy in relation to regulatory investigations, including a wide-ranging criminal investigation of a large international listed business and its board for alleged cross-border money laundering and bribery offences.
Wealth management platform
In depth advice to a wealth management platform on changes to the financial promotions regime dealing with client and investment categorisation including redesigning the customer journey and drafting questions for appropriateness testing.
Large professional principal firm
Acting as trusted outsourced legal adviser for a large professional principal firm providing ongoing strategic advice, drafting and consultation on the structure and operation of complex cross border insurance distribution models.
Regulated firms
Advising regulated firms on supervisory pre-enforcement dialogue with the FCA, which includes formulating strategy, drafting correspondence and advising on risk management and refining business models and practices.
Languages
- Spanish (limited working proficiency)
