Hi, I'm Frances.


I offer flexible legal and compliance support when you need it. After more than a decade working with fintech companies like Adyen, Klarna, and Monzo, I’ve learned how to help businesses grow and handle the tricky parts of regulation.

I bring a practical and thoughtful approach, helping you figure out the best way forward—whether it's choosing the right direction or weighing up the options that work best for you.

If that sounds like what you need, just get in touch!

  • I offer flexible support that fits around what you need. Whether it’s ad-hoc projects, fractional roles with day rates, or retainer services starting from just one day a month,

  • I’m a UK solicitor specialising in financial services regulation and data protection, with a focus on product counseling—helping you with the legal side as you develop and launch products.

    I also take on head of roles in a fractional capacity, offering mentoring and direction to legal and compliance teams.

    Whether you need support with compliance, commercial contracts, or regulatory advice, I’m here to help.

  • EMI:Fractional Head of Legal and Compliance - Developed legal and compliance functions, oversaw international expansions, and managed legal risks.

    Registered Cryptocurrency Company: Fractional Product Counsel - Led financial promotion implementation, product structuring, and provided regulatory advice.

    Payment Services Provider: Fractional Product Counsel - Led Consumer Duty implementation, developed governance policies, and provided bespoke training.

    AI Service Provider: Fractional Product Counsel - Provided regulatory advice, drafted legal agreements and privacy policies.

    EU Bank: Fractional Product Counsel - Led Open Banking and Embedded Finance projects, structured complex regulatory products and agreements.

    Payment Service Provider: Fractional Commercial Contract and Data Protection Counsel - Led intricate payment facilitator (PayFac) contractual negotiations.

    Payment Services Provider: Fractional Data Protection Officer - Ensured compliance with data protection laws, conducted impact assessments, and managed data breaches.

    Payment Services Provider: Fractional Product Counsel - Led regulatory licence application, drafted governance policies, and prepared application materials.

    Payment Service Provider: Fractional Head of Legal - Oversaw product development, provided strategic guidance, and collaborated with senior leadership.