Richard is a Partner in the Commercial team and leads the firm's International Payment Services Group.

His work includes advising banks, building societies, card issuers and other payment institutions on issues relating to the development of new products, drafting associated terms and conditions and licensing and other compliance issues. He is a regular speaker at industry events on payments related issues and is currently advising a number of institutions on large scale financial products terms and conditions projects, full PSD2 implementation projects and other regulatory issues related to their product terms.

Richard regularly acts on strategic and high value projects and other recent projects include advising:

• a global bank on a regulatory review project looking at over 200 customer facing documents and associated operational processes
• a global bank on a multi-jurisdictional terms and conditions project
• a clearing bank on a PSRs project to rewrite over 100 sets of product terms including those relating to current accounts, liquidity products, digital banking and payments;
• a challenger bank on the rewrite and review of its current account and savings terms;
• a challenger bank on various retail and business banking products and its digital banking offering; and
• a top 5 UK bank on rewriting the terms and conditions for its current accounts and savings accounts products.

Clients cite Richard's "client-focused approach, drive and enthusiasm" as being invaluable in facilitating the smooth running of their projects.