Charlotte Gregory

Partner
Financial Services & Insurance

Charlotte is a commercially focused regulatory Partner, specialising in financial services and insurance.

Charlotte provides strategic advice to clients operating within the financial services sector on a broad range of regulatory matters at each stage of a firm’s growth.

She works with clients including:

  • InsurTechs (most of whom operate as brokers, Managing General Agents (MGAs) or who are insurance carriers in their own right) 
  • FinTechs (including WealthTech businesses) 
  • Insurers, Lloyd’s of London syndicates and insurance intermediaries 
  • Financial broking houses 
  • Cryptoasset providers 

Charlotte advises businesses on matters involving the regulatory perimeter, ongoing compliance, conduct, product design, and policy drafting and interpretation. Charlotte’s advisory expertise is valuable to clients for whom she acts for in contentious environments, involving FCA imposition of requirements (whether on a voluntary or compulsory basis), as well as FCA enforcement action.

In addition to her regulatory advisory work, Charlotte has over a decade of litigation experience, having spent many years defending professionals in insurance backed litigation, and advising on policy coverage. She has been seconded to an MGA and several major UK and international insurers operating in the London market, providing her with extensive insights.

Charlotte is actively involved in the InsurTech and FinTech sectors, via membership of InsurTech UK and Instech, and advising members of Lloyd’s Lab cohorts. Charlotte is a member of the Chartered Insurance Institute (CII) and the Insurance Institute of London (IIL).

  • Advice to multinational InsurTechs on product design and regulatory outcomes, particularly for clients focussing on the use of new technologies.
  • Considering regulatory overlay on the business model of a Fintech benefits platform provider, including relating to Payment Services Regulations, the FCA Handbook including CASS sourcebook, and specific financial legislation.
  • Advising on regulated and unregulated structures for a particular financial product.
  • Advising on application of the FCA perimeter to multiple innovative insurtech businesses.
  • Providing training and advice on implementation and application of the Senior Managers and Certification Regime (SMCR) to various businesses.
  • Drafting and reviewing commercial agreements specific to regulated entities and their representatives, and a regulatory authority.
  • Consideration of regulatory scope and drafting a Principle 11 disclosure letter for an insurance intermediary.
  • Representing a finance brokerage in a complex FCA investigation, concerning its alleged role in multinational dividend arbitrage trading.
  • Considering policy coverage across multiple lines of business spanning within the professional indemnity arena, including for brokers, IFAs and solicitors.
  • Assisting a major insurer with claims adjustment following cyber security breaches at multinational organisations.
  • Extensive defence of a broad range of professions in the legal and financial services sectors.
  • Financial services regulation
  • Insurance
  • Financial services investigations
  • Commercial regulatory agreements

Career

  • Partner, Capital Law Limited (Nov 2022 – present)
  • Senior Associate, Capital Law Limited (Jan 2021 – Oct 2022)
  • Senior Solicitor, Browne Jacobson (Apr 2016 – Jan 2021)
  • Solicitor, Plexus Law Ltd (formerly Parabis LLP) (Sep 2013 – Mar 2016)
  • Trainee Solicitor, Parabis Law LLP (Sep 2011 – Sep 2013)
  • Paralegal, Parabis Limited – based at RSA Insurance (Sep 2010 – Sep 2011)
  • Paralegal, AEW Litigation (Sep 2008 – Sep 2010)

Education

  • Birmingham City University: LPC
  • University of Birmingham: Law LLB

Memberships / Trustee Positions

  • The Law Society of England and Wales
  • Member of The Chartered Insurance Institute (CII)
  • Member of The Insurance Institute of London (IIL)