John Pauley

Financial Services Partner

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John is a specialist solicitor with extensive expertise in financial services regulation. He advises financial institutions, services providers, and merchants on regulated activities including payments, e-money, consumer credit, data protection, anti-money laundering, and gambling operations.

Having trained and practiced with leading law firms including DLA Piper and a boutique firm specialising in regulated e-commerce, John has broad experience supporting retail financial services clients and fintechs. This includes working at major banks and on white label and direct-to-consumer agreements in payments and e-money services.

I take a pragmatic approach shaped by over a decade in financial services prior to qualifying as a solicitor. That business perspective helps me rapidly grasp clients' objectives and challenges when advising them.

I have extensive legal experience advising and assisting firms applying to financial service and gambling regulators for authorisation to carry out regulated activities including payment services, electronic money issuance, consumer credit, and gambling operations.

John drafts, negotiates, and revises commercial agreements on behalf of clients, specifically those involving service providers and the direct delivery of payment services to both consumers and businesses. Additionally, he drafts and reviews policies and procedures, and advises clients on regulatory issues spanning consumer credit, payment services, electronic money, anti-money laundering legislation, data protection laws, and consumer protection requirements.

Through drafting policies and procedures and negotiating complex commercial deals, I have in-depth understanding of regulatory issues spanning payments regulations, e-money regulations, AML requirements, and consumer credit.

John resides in Chester with his family and dog Dexter. An avid billiards player and sports enthusiast, he enjoys traveling, spending time with friends and family, taking Dexter for walks and planning his next ski trip.



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John Pauley

John Pauley

Financial Services Partner

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