Advisense’s Financial Law team is well-equipped to provide comprehensive legal advice to all clients

Advisense's Financial Law team provides best-in-class financial law services by leveraging all of Advisense's core competencies and applying them within legal, regulatory, and supervisory context. We support you in navigating a complex and ever-changing regulatory landscape by offering hands-on, practical advice on financial law matters.

Advisense’s Financial Law team is well-equipped to provide comprehensive legal advice to all clients On this page
Advisense’s Financial Law team is well-equipped to provide comprehensive legal advice to all clients

Regardless of size, Advisense’s Financial Law team is well-equipped to provide comprehensive legal advice to all clients. Each team member has valuable experience gained from working in financial institutions, supervisory positions, or as consultants and lawyers in the financial industry. This collective expertise enables us to offer support beyond compliance with regulations, helping you navigate complex legal and regulatory matters with confidence. Our mission is to deliver tailor-made dependable, innovative, and practical legal solutions. ​

Talk to one of our experts

Tone Bergfelt

Director & Head of Financial Law

Therése Marcks von Würtemburg

Partner & Sales Strategy Manager

Compliance Services

In an ever-evolving landscape, managing compliance risks must align smoothly with digital transformation and innovative business models. Increasing regulatory demands necessitate a proactive approach to compliance risk management. As a result, traditional compliance work needs to be adapted to provide the maximum value to the organization.

Proactive measures, such as qualitative advice and support, should also be combined to the extent possible. In a fast-paced environment, it’s arguable that the latter is equally, if not more important since it helps the firm identify and address potential compliance issues before they arise.​

Example of Services
  • Interim compliance resources (both 1st and 2nd line) including Chief Compliance Officer and Compliance Officer roles
  • Development and implementation of compliance frameworks
  • Support compliance professionals in executing on activities within the compliance program
  • Horizon scanning of new and/or amended financial regulations and business impact assessments (BIA)
  • Outsourcing and co-sourcing arrangements of compliance functions
  • Compliance training and on-going advice and support to the Board, management and business operations
  • GAP-analysis and due diligence 

Advisense’s Financial Law team is your trusted legal advisor for all financial law matters. Our experienced lawyers have a deep understanding of the financial market and its complex regulatory and commercial laws.

We offer truly tailor-made advice with a comprehensive, one-stop-shop approach that leverages all of Advisense’s core competencies, providing value to our clients. We work with a wide range of companies, including licensed and unlicensed, listed and non-listed.​

Advisense Legal Services
  • Financial services law – legal, regulatory and compliance issues
  • Corporate law – support and advice on a day-to day basis as well as legal structural matters
  • Commercial law – drafting and reviewing commercial contracts and general terms
  • Board secretarial services 
  • Legal function consulting and support
  • Interim roles as head of legal or interim support resources to the legal function
  • Regulatory due diligence related to mergers and acquisitions

Supervisory

Whether you’re dealing with supervisory matters initiated by authorities or pursuing internal initiatives such as acquiring a new license, Advisense’s Financial Law team is well-equipped to assist you.

Our team of legal experts comes from diverse backgrounds, including past roles in supervisory authorities, and experience as employees or advisors to established firms. This breadth of expertise means that we have current and in-depth knowledge of supervisory, peer, and market practices. Count on us to provide you with reliable, up-to-date guidance for all your supervisory needs.​

Example of Services
  • License applications, branch establishments and cross-border notifications
  • Support in interactions with regulators and other governments agencies
  • Operational support in implementing processes and procedures driven by regulatory requirements.
  • Assessment of business models in relation to license requirements and optimization
  • Regulatory assessments of products and services 
  • Fictitious FSA visits

Banking

Credit institutions are a critical component of the financial ecosystem and subject to extensive legal, regulatory, and prudential requirements. As one of the most heavily regulated sectors worldwide, it’s crucial for credit institutions to adapt their operating and governance models smoothly to new requirements without disrupting daily operations.

Advisense’s Financial Law team serves as trusted advisors to Nordic tier 1-4 credit institutions. Our legal experts have a wealth of experience supporting boards, senior management, legal departments, control functions, and product teams in legal and regulatory matters, including managing and implementing regulatory change.

Example of Services
  • Licence applications, branch establishments and cross-border notifications
  • Other regulatory matters requiring authorisation, notification or registration
  • Support and advice on internal governance and control including framework and policy development
  • Legal opinions
  • For example gap analysis and implementation of regulatory requirements in internal rules and processes
    • Implementation and set up of outsourcing arrangements
    • Implementation and set up of remuneration systems
    • Internal rules and processes for disclosure requirements and regulatory reporting
  • Financial crime prevention including AML/CTF, ABC, frauds and international sanctions

Payment

The payment services sector has seen explosive growth in recent years, with fintech disruptors challenging traditional finance by developing innovative products that offer simple user experiences while being complex behind the scenes. Additionally, new firms are breaking the traditional value chain of payments and banking, often by repackaging existing offerings through easily accessible digital channels.

As innovation precedes regulation, these new products pose challenges for both law makers and regulators, as well as for the firms themselves. Our legal experts specialize in the payments sector and are experienced in navigating the challenges in this rapidly evolving industry.

Example of Services
  • Assessment of business models
  • Mapping of products and services and advice on the need for a financial services license
  • License applications, branch establishments and cross-border notifications
  • Development of business and operating models
  • Product structuring
  • Risk management
  • Capital adequacy
  • Disclosure requirements and regulatory reporting

Investment Services and Asset Management 

Our legal experts provide regulatory support to investment firms, fund managers, and asset managers of all sizes, helping them navigate the increasingly complex regulatory landscape. In recent years, lawmakers and regulators have implemented extensive regulations to strengthen the stability and transparency of financial markets, protect investors, and manage ESG risks.

Technological developments combined with changes in distribution channels and business models make compliance even more challenging. Our team has extensive experience with regulations such as MiFID/MiFIR, UCITS, AIFMD, PRIIP, SFDR, and IFD/IFR. We work closely with our clients to tailor our processes to their specific needs​.

Example of Services
  • License applications, branch establishments and cross-border notifications
  • Other regulatory matters requiring authorisation, notification or registration 
  • Support and advice on internal governance and control including framework and policy development
  • Legal opinions
  • Gap analysis and implementation of regulatory requirements in internal rules and processes
  • Advice and support on implementation of ESG related requirements
  • Advice and support on investor protection requirements such as remunerations, client categorization, management of conflict of interest, best execution, customer information, suitability and appropriateness assessments and product governance arrangements
  • The implementation and set up of disclosure requirements and regulatory reporting 
  • Set up and implementation of requirements on marketing and distribution
  • Fund prospectus 
  • Fund mergers

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