fln.
FinTech Lawyers Network
Founded in 2016 at Money20/20 in Copenhagen, the FinTech Lawyers Network unifies the very best experts in various European jurisdictions. We advise market players in all stages, from early-stage start-ups to well established financial institutions.
The network enables us to effectively and frictionlessly assist our clients on cross-border mandates. We combine our regulatory expertise with deep and broad experience in both the financial and the technology sector.
Our expertise covers a wide array of FinTech related matters such as Open banking / Alternative finance / Payments / FinTech contracting / Crypto and blockchain / License applications / AML CFT / M&A / Outsourcing.
(Chambers Banking & Finance, 2023)
Bernd is a partner of PFR Attorneys-at-law, a corporate law firm seated in Vienna. He advises domestic and international financial institutions, in particular with regard to payment, e-money and banking services. He also assists fintechs and tech companies providing services to financial institutions. His advice focuses on payment services & payment services supervisory law, banking & banking supervisory law, AML/CFT, outsourcing, capital markets and insurance law.
Bernd Fletzberger is member of the editorial board of the Journal for Financial Market Law, author of numerous articles and legal commentaries. He regularly gives lectures regarding supervisory law.
In 2023, he has repeatedly been ranked in Chambers Europe in the category 'Banking & Finance: Regulatory'. He is also ranked in LEGAL500 in the category 'Banking and Finance'.
(Chambers FinTech edition)
Edwin has a 25 years track record as a business lawyer, including several years in-house experience.
He advises on any type of commercial agreement, negotiation or dispute with an IT, IP, data protection, digital finance or new technology twist.
His expertise also covers FinTech related matters such as mobile wallets, virtual currency and crypto, contracts, outsourcing (hardware, software, services), complex dispute resolution, (court, mediation, arbitration), electronic money, payment services (PSD), service level agreements, helping clients to obtain a payment licence from the regulator etc.
(The Legal 500 2021 testimonies: EU Regulatory: Financial Services)
Charlotte has gained outstanding experience in digital finance, financial (regulatory) law and data protection law, the latter both in general as well as regarding its interaction with the provision of banking and/or financial services and innovative technologies.
Charlotte is consistently involved in payment and e-money services regulation and anti-money laundering legislation, including by advising payment service providers and other financial players on a wide range of regulatory and compliance issues. She also assisted in various license application files vis-à-vis the Belgian regulator for several candidate-payment and e-money institutions and account information service providers. She was closely engaged in the entire set-up and launch – from beginning to end – of the first next generation challenger bank in Belgium, partly on the spot as a legal secondee.
She furthermore developed (and continues to develop) her understanding of digitalisation by assisting IT and electronic service providers.
(Chambers, 2022)
Lars provides advice across a comprehensive range of banking and financing areas, including licensing requirements, financial regulatory issues comprised by the PSD II, MiFID II, CRD IV and anti-money laundering regulation. Lars has a continuous focus on meeting all potential legal needs that a FinTech company may have in the various stages of growing its business.
He acts for financial institutions and for both start-ups, scale-ups and mature companies. Lars heads the Fintech team at Horten, which offers expert capabilities across all practice areas related to FinTech and has particularly pronounced capability within financial regulation, corporate law & M&A, venture capital, IP rights, IT & tech, contracting, outsourcing, AML & CFT, consumer credit law, data protection law, employment law, tax law and litigation.
Horten has advised numerous FinTech companies and is one of the leading legal advisers in the Danish FinTech market, ranked in Band 1 by Chambers and Partners.
(Chambers FinTech Legal 2023)
Hanna-Mari Manninen is a Partner at Dittmar & Indrenius, and Head of the firm's Corporate Advisory, Compliance and Sustainability practice group. She has extensive experience in financing, with in-depth knowledge of payment services regulation.
Hanna-Mari is highly regarded for her performance in the fintech sector and her expertise in financial services, compliance andcorporate governance. Chambers has ranked Hanna-Mari in Band 1 for fintech in Finland in Chambers Fintech Legal 2023.
(Chambers FinTech Legal 2023)
Kristian Karlsson is a Partner at Dittmar & Indrenius. He is known for advising clients on matters relating to securities law and financial regulation with a particular emphasis on Fintech, investment funds and investment services.
He also represents borrowers and lenders in connection with financing transactions. Chambers has ranked Kristian in Band 2 for fintech in Finland in Chambers FinTech Legal 2023.
(Chambers FinTech edition)
Over the past 15 years, Benjamin established a cutting-edge expertise in financial services and is amongst the leading FinTech lawyers in France.Benjamin assists clients for licenses applications, AML and privacy compliance – including investigations from regulators -, sponsor & tech agreements.
Benjamin and his team also have a specific expertise in public affairs at French and EU levels; and also provides tax advice and public procurement for fintech projects.
Anne-Hélène Le Trocquer is responsible for the Corporate/M&A practice of Aramis. Her professional practice mainly covers M&A, strategic alliances, fundraising (venture/growth capital, ICO) and restructuring.
She also deals with all types of French Company law issues.
Furthermore, Anne-Hélène has developed an industry-specific expertise in the field of strategic disruptive technologies such as artificial intelligence and blockchain/DLT and her sectoral expertise covers in particular financial services, asset management, IT & SaaS services, retail and mobility.
(Chambers FinTech edition)
Frank Müller, LL.M., is a FinTech lawyer, founder and managing director at Annerton and a founding member of the FinTech Lawyers Network. Frank is advising startups, SMEs, and big corporates dealing on the financial technologies sector on all banking, regulatory, payment, anti-money-laundering law, and blockchain & DLT related matters.
He is a FinTech enthusiast, ambitious, highly specialized and best-connected inter alia to regulatory authorities and leaders in the banking and FinTech industry. Frank is known for a deep understanding of the client’s need far beyond legal issues, such as both the market development, the product itself and connecting people and companies.
Furthermore, Frank is founder of the blog Payment. Technology. Law. and host of the podcast PayTechTalk.
Charles Krier is a founding partner of Annerton in Luxembourg where he advises financial institutions of all sizes on financial, regulatory, and corporate law matters.
His longstanding expertise covers FinTech relevant areas such as payment/e-money services, AML/CFT, outsourcing, banking & finance, distributed ledger technologies as well as M&A and restructuring.
Charles has been formerly working in the innovation, payment, market infrastructure and governance department of the Luxembourg regulator of the financial sector. He is a member of the Association Luxembourgeoise des Juristes de Droit Bancaire (ALJB) and is a regular contributor to the blog Payment. Technology. Law.
(Chambers FinTech 2021)
Joris’ expertise covers FinTech related matters with a focus on online payments. He truly understands the payments value chain and the underlying technology. As such, he advises online platforms, payment gateways, processors, issuers and other stakeholders on a wide range of regulatory and compliance issues.
He also has extensive experience in representing lenders and corporate borrowers on a wide range of (cross-border) finance transactions. As a lawyer, Joris has the benefit of spending various secondments at ABN Amro and The Royal Bank of Scotland.
Emanuel worked for 4 years as an inhouse lawyer in the investment services industry, including a stint as Head of Regulatory Compliance of a FinTech roboadvisor. He therefore knows how external lawyers add value to the business and always provides advice that is to the point and practical.
He is also professor of Financial Technology and Law at Erasmus University Rotterdam, focusing on Payments, Big Data and Open Finance. As such he sits in the Expert Group on the European Financial Data Space advising the European Commission on Open Finance and is an editor of the Dutch financial law journal. He wrote books on PSD2 and Open Banking and on cross border financial services.
Key areas of expertise are payments (including PSD2), open finance and investment services (including MiFID, AIFMd and MiCA). Emanuel is highly experienced in license applications.
(Chambers FinTech 2023)
He handles matters involving blockchain, payment services, data protection, anti money laundering and consumer finance.
He takes part in major projects relating to new technologies law and regularly advises startups as well as large companies from the new FinTech sector.
He is the author or co-author of publications on crowdfunding, cryptoassets, and new technologies in the financial services sector. He has often spoken at conferences and seminars, including events organised by the International Bar Association. He is the coordinator of the Blockchain Lab in the Coalition for Polish Innovations.
He advises clients on variety of financing transactions, including project finance, financing of corporate acquisitions, real estate acquisitions and development projects, as well as alternative financing methods including securitisation, cash-pooling, factoring transactions and receivables financing, P2P financing and various types of financing offered by FinTech.
His regulatory focus is on operations of banks and non-banking lenders, payments institutions and receivables management and servicing sector. He has practical experience advising lenders, arrangers, servicers and investors. He also has litigation experience in disputes involving financial institutions.
The FLN network’s members are joining forces to connect people and companies to enhance their legal knowhow.
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