Kim is a senior associate in our Financial Regulation Group, specialising in Irish and European financial services regulation.

Kim advises a wide range of domestic and international clients on all aspects of financial services regulation. Her clients include Irish and overseas banks, investment firms, payment services firms and electronic money institutions offering a range of financial services including deposit taking, lending, investment, fintech, e-money and payment services.

Kim advises on Irish and EU authorisation and perimeter issues including applications for regulatory permissions. She advises on ongoing compliance matters related to corporate governance, conduct of business, regulatory capital, market abuse and anti-money laundering and countering the financing of terrorism. Kim has a great deal of experience advising on consumer protection issues including consumer credit and credit reporting requirements. Kim also works on financial services M&A matters (including sales and purchases of financial assets).

Relevant Experience

  • Advising both buyers and sellers of Irish financial assets (including all categories of loan, e.g. commercial, mortgage and consumer) and coordinating regulatory due diligence on residential and commercial loan portfolio sales/purchases and securitisations
  • Advising on regulatory aspects of multiple financial services M&A transactions (including on change of control notifications)
  • Advising on compliance with Irish conduct of business requirements, including the MiFID Regulations 2017, the Central Bank’s client asset rules, the Irish regulations transposing the Consumer Protection Code 2012 and Minimum Competency Requirements 2017
  • Advising extensively on the Central Bank’s fitness and probity regime and SEAR regime
  • Advising clients on corporate governance and systems and controls, including in relation to complex outsourcing arrangements
  • Advising numerous clients on the implementation of recent legislation and regulatory requirements, including MiFID II, PSD II, the Consumer Credit Directive, the Code of Conduct on Mortgage Arrears, the Corporate Governance Code for Credit Institutions and the SME Regulations 2015
  • Assisting clients with applications for authorisation as MiFID investment firms, payment institutions and electronic money institutions