Kate is a Partner at Osborne Clarke and head of the Financial Institutions Group. She specialises in payment services.

She advises on the regulatory environment affecting payments, as well as structuring and contractually documenting significant and transformational payments projects. Kate has experience of working with clients at all levels of the payments industry: payment service providers, technology providers, mobile networks operators, physical and virtual retailers, schemes, industry bodies. She has particular expertise in “new generation” payment services, such as mobile payments (including NFC), online payments, prepaid, virtual currencies and micro-payments, but also regularly advises on more traditional payments infrastructure and technology, merchant acquisition and aggregation, and money remittance. Kate also specialises in consumer finance and consumer credit, and is currently assisting a number of clients with the transition of the consumer credit regulatory regime from the OFT to the FCA.

Kate’s recent work includes advising on a collaboration between Wirecard and an international mobile network operator for a pan-European NFC mobile payment product, assisting Wirecard with its acquisition of the prepaid cards portfolio of Newcastle Building Society and subsequently helping Wirecard Card Solutions obtain its licence from the Financial Conduct Authority as an Electronic Money Institution and co-ordinating widescale, multi-jurisdictional surveys for new payments initiatives for various high profile digital businesses.

Kate trained at Osborne Clarke and joined the Financial Institutions Group upon her qualification in March 2006. Since qualification Kate has undertaken two client secondments: the first to PayPal in 2006, and the second to Wirecard in Munich, Germany in 2013.