Charlotte is a corporate insurance and regulatory lawyer with legal experience in both the UK and Australia, having primarily worked with large international insurers, reinsurers, and corporate clients.
Charlotte provides advice and assistance to financial services firms, with a particular emphasis on insurers and insurance intermediaries, in relation to regulatory compliance and principles, setting up regulated businesses in the UK, reviewing and drafting compliance documents, insurance policies, and preparing various FCA and PRA applications.
As part of her corporate experience, Charlotte frequently works on transactions involving financial services firms undertaking the legal and regulatory due diligence, advising on the requirements imposed by the FCA, PRA or the Companies Act 2006, and undertaking any necessary applications both pre and post completion, as well as reviewing and drafting post-completion agreements as required.
Charlotte also undertakes corporate governance work and has provided drafting support and advice to domestic and overseas companies setting up businesses in the UK (and previously Australia), and those seeking advice pursuant to company articles or legislation. Charlotte maintains corporate secretariat services and is a member of Capital’s Corporate Secretarial team.
In addition to her corporate and regulatory work, Charlotte has litigation experience in a variety of insurance backed defence matters such as directors and officers and professional indemnity claims. She has also acted as coverage counsel for insurers in high value disputes, as well as providing coverage advice to both insurers and policyholders.
Expertise
- Financial services regulatory and corporate
- Corporate governance and secretariat
- Coverage advice and disputes
- International
Recent work
Overseas insurers and insurance intermediaries
Assisted overseas insurers and insurance intermediaries with PRA and FCA applications to set up a third country branch in the UK.
Regulatory policies
Drafted regulatory policies for an insurer client in line with new FCA governance rules.
Australian underwriter
Drafted constitutions and shareholder agreements for an Australian underwriter.
International insurer
Advised an international insurer on statutory governance requirements and prudential standards.
Financial services’ corporate transaction
Regulatory due diligence for a financial services firm and drafting historical and post-completion Change in Control and Senior Management applications.
FCA guidance
Provided regulatory advice as part of a transaction on whether products offered were “insurance” in line with FCA guidance. Involved several cross-border companies.
Financial Institute
Corporate advice provided to a financial institution concerning a potential director dispute.