Shoosmiths LLP

Financial Services

Thomas is a Legal Director based in Shoosmiths’ London office. He has three decades of experience in retail and SME financial services and regulation, and he has worked in Edinburgh and London, both in private practice and in-house at a major UK bank and an international private bank.

Thomas advises across a broad range of retail and SME financial services law. His experience includes payment services and e-money; current and savings accounts; ISAs; personal and SME lending; credit and charge cards; regulated and buy-to-let mortgages; and insurance distribution.

He also advises on regulatory compliance and change management; Consumer Duty; Open Banking; client money arrangements; outsourcing in financial services; commercial contracts with financial services elements; funeral plans; and cryptoasset and stablecoin regulation.

Thomas’s clients include household name banks and building societies; specialised, challenger and private banks; mortgage lenders and card issuers; foreign financial institutions; payment companies, e-money issuers and Fintechs. He has advised clients on most of the major regulatory changes in financial services since 1998.

Thomas joined Shoosmiths in 2019

University of Edinburgh, LLB (Hons First Class)