Emily Lemaire

Prior to joining Covington, Emily has advised:

• Various clients, including a wealth management firm, retail investment brokers, retail banks and consumer credit providers, on their Consumer Duty implementation projects.
• A leading fashion group on the development of a consumer credit lending product in the UK, including product design support and submission of an application to the Financial Conduct Authority for authorisation for consumer credit and payment services activities.
• A digital retail broker on its approach and response to a voluntary requirements notice in relation to its financial promotions processes.
• A number of clients on the requirements of the Senior Managers and Certification Regime (SMCR), and assistance with the development of fitness and propriety assessment processes and disciplinary procedures.
• An international brokerage on its governance arrangements.
• An asset manager on the completion of a client detriment review following supervisory intervention by the Financial Conduct Authority.
• Numerous clients on their Brexit preparedness projects, including the submission of cross-border applications to EEA authorities.
• Various cryptoasset service providers on their FCA registrations under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.
• An international bank on the repackaging of its retail and professional terms of business.
• A U.S. fintech on the prerequisites of entering the UK market, including perimeter advice on the payment services and cryptoasset services regimes.