Rachel Hillier
Rachel is a specialist Financial Services and insurance lawyer.
Rachel advises on a broad range of regulatory and insurance issues in the financial services, insurance, and technology sectors.
Her clients are Fintechs and Insurtechs, DLT and crypto-asset businesses, wealth management firms, IFAs, banks, mortgage providers, loan and consumer credit providers, financial services comparators, placement agents, insurers, insurance brokers and SIPP operators.
Her regulatory work includes financial services regulatory advice, FCA authorisation and change of control, regulatory advice relating to the launch of new products and services, changes to FCA rules, compliance with PRA and FCA rules and EU regulations, contingency planning for Brexit, drafting and negotiating customer terms of business, KYC and IPID documents, appointed representative agreements, distribution and outsourcing agreements. She has advised on the sale and purchase of various financial services businesses.
Rachel is one of a limited number of UK lawyers with experience of advising on the commercial and regulatory aspects of cryptoassets, blockchain and token sales.
She is a member of the Fintech Wales advisory board and the Crypto Assets Professional Advisory Group (CAPAG).
Many thanks for this succinct summary of the regulatory status of our various activities. I think this is an exceptional body of work.
Ian Pettifor, Co-Founder and CFO, Azur Group
- Advising SIPP operator Hartley Pension Ltd in setting up a new regulated SIPP scheme and in the acquisition of various SIPP assets. Providing on-going corporate, commercial, trust and regulatory advice.
- Drafting commercial contracts and giving regulatory advice to iXledger in setting up a new broker/insurer platform using blockchain technology.
- Regulatory advice to various start-ups seeking to raise funds via ICOs. Verifying white papers, giving written advice on the regulatory position of proposed crypto-currencies, drafting pre-seed, pre-sale and sale documentation for the ICO.
- Acting for an insurance intermediary offering “pay-per-mile” motor insurance using a telematic advice. Giving written advice on FCA regulation, drafting customer terms and conditions, privacy policy and website terms. Reviewing contracts with underwriters.
- Advising on the effects and implementation of MiFID II and IDD. Reviewing existing agreements to ensure compliance with new regulatory requirements.
- Regulatory advice for financial services and ICO businesses
- Regulatory advice relating to the launch of new products and services
- Contingency planning for Brexit
- FCA authorisation and change of control applications
- Advising on the interpretation and implementation of FCA, PRA and EU regulations
- Trust law, governance and regulatory advice relating to SIPP and SAS pension schemes.
- Corporate restructuring of financial services businesses
- Advising on, drafting and negotiating commercial contracts
- Transactional work for regulated and technology firms
- Joint ventures
- Drafting and negotiating customer terms of business
- KYC and IPID documents
- Appointed representative agreements
- Distribution and outsourcing agreements.
Career
- Senior Associate, Capital Law Limited (2019 – present)
- Associate, Capital Law Limited (2017 – 2019)
- Solicitor, Capital Law LLP (2015 – 2017)
- Consultant Solicitor, David Prosser & Co. (2008 – 2015)
- Managing Partner, Le Brasseurs (2005 – 2008)
- Solicitor, Le Brasseurs (2003 – 2005)
- Solicitor, Caporn Campbell (2000 – 2003)
- Solicitor, Hardmans (1999 – 2000)
- Trainee Solicitor, Hardmans (1997 – 1999)
Education
- University of the West of England: LPC (1996 – 1997)
- University of the West of England: Post Graduate Diploma in Law (1995 – 1996)
- Canterbury Christ Church University: Bachelor of Arts: History (1992 – 1995)
Memberships / Trustee Positions
- The Law Society of England and Wales
- School Governor at Ysgol y Ddraig
- Advisory board member of Fintech Wales
- Crypto Assets Professional Advisory Group (CAPAG)