Charlotte Hill

Strategic regulatory counsel for evolving financial markets

Charlotte is particularly recognised for her work in fintech, payments and digital assets. She advises challenger banks, payment services providers, e-money issuers, crypto firms, investment platforms, crowdfunding platforms, investment managers and international banking groups on regulatory strategy, market entry, governance arrangements, safeguarding and client money requirements, new product development and ongoing compliance obligations.

Charlotte’s practice encompasses ongoing regulatory advisory work, transactional regulatory support and strategic counsel on business expansion and innovation. She has extensive experience advising on payment services and e-money regulation, digital assets, cryptoassets, blockchain technology and emerging technologies, including artificial intelligence. Clients seek her counsel on the practical application of complex regulatory frameworks, including financial promotions, anti-money laundering requirements, consumer protection obligations, regulatory perimeter issues and senior management and governance arrangements.

Charlotte is known for combining technical regulatory expertise with a pragmatic understanding of clients' commercial objectives. She regularly advises boards, senior management teams and founders on governance, regulatory risk and engagement with regulators. Her clients range from global financial institutions managing cross-border regulatory strategies to entrepreneurial businesses bringing innovative products and services to market.

Clients quoted in The Legal 500 have described Charlotte as having "vast experience in the UK financial services sector" and praised her for providing "high-quality work", while noting that she is both "very knowledgeable" and "very approachable."

A recognised commentator on developments in financial services regulation, digital assets and emerging technologies, Charlotte is also a frequent speaker at industry conferences, Women in Finance events and regulatory roundtables. Her presentations focus on the practical implications of regulatory change for market participants, while media outlets regularly seek her commentary and thought leadership on developments across the sector. As an active member of CryptoUK, she contributes to the organisation's responses to UK regulatory consultations. She participates in industry and parliamentary roundtables on digital assets, fintech and financial services regulation.