Kate is a Partner and head of OC’s Financial Institutions Group.

Kate specialises in Payments and Fintech. She advises on the regulatory environment affecting payments, as well as structuring and contractually documenting significant and transformational payments projects. She acts for clients at all levels of the payments industry: payment service providers, technology providers, telcos, platforms, physical and virtual retailers, schemes, industry bodies.

Kate’s work is focused in the Fintech space and she has particular expertise advising Electronic Money Institutions and Payment Institutions on the full range of product types (including mobile and online payments, prepaid, virtual currencies), but also regularly advises on more traditional payments infrastructure and technology, merchant acquisition and aggregation, and money remittance. Her work includes providing regulatory advice to regulated and unregulated businesses, structuring products, managing large scale projects (e.g. around regulatory change, licence applications, global expansion, corporate, product development) and drafting the contracts which underpin the operation of payments ecosystems and product structures (both B2B and B2C).

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