Monterra Group
Director – Legal & Regulatory Affairs
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Director – Legal & Regulatory Affairs
Apex Legal Ltd A Monterra Capital (formerly SEPA Cyber Tech Shareholding Ltd) Group Company
Position
Director – Legal & Regulatory Affairs
Location
United Kingdom (Remote / Hybrid)
Time Commitment
10 hours per week
Compensation
£5,000 per month (Fixed Retainer)
Reporting To
Group CEO, Monterra Capital
Board Position
Director of Apex Legal Ltd and Director of Monterra Capital (formerly SEPA Cyber Tech Shareholding Ltd)
About Apex Legal
Apex Legal is the specialist legal and regulatory advisory firm within the Monterra Capital group. The firm provides legal, regulatory, licensing, corporate structuring, compliance, fintech, payments, digital assets, banking and cross-border financial services advisory to companies operating globally. The firm supports regulated financial institutions, payment service providers, electronic money institutions, banking platforms, embedded finance providers, fintech companies and investment groups.
Role Overview
We are seeking an experienced UK-qualified lawyer with extensive expertise in financial services regulation, banking law and fintech licensing to join Apex Legal as Director. The successful candidate will lead the firm's regulatory legal practice while advising group companies and external clients on licensing, regulatory strategy, governance, compliance and corporate legal matters. This is a strategic leadership position rather than a full-time legal practice role and is designed for a senior lawyer who wishes to work with an innovative international fintech group.
Key Responsibilities:
Regulatory Licensing
- Lead and advise on regulatory licence applications including:
- FCA Authorisations
- Electronic Money Institution (EMI)
- Payment Institution (PI)
- Small Payment Institution (SPI)
- Cryptoasset registrations
- Consumer Credit permissions
- PSD2 and PSD3 regulatory matters
- Open Banking compliance
- Embedded Finance regulatory structures
- Banking partnerships
- Cross-border passporting and international expansion
Legal Advisory
- Provide strategic legal advice relating to:
- Banking
- Payments
- Financial Services
- Fintech
- Digital Assets
- Stablecoins
- Embedded Finance
- Corporate Governance
- Shareholder matters
- Commercial contracts
- Outsourcing
- Technology agreements
- Software licensing
- Intellectual Property
- Employment matters
- Data Protection
- AI governance
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Regulatory Engagement
- Represent clients before:
- UK Financial Conduct Authority (FCA)
- Companies House
- HMRC
- Information Commissioner's Office (ICO)
- Payment Systems Regulator (PSR)
- Financial Ombudsman Service (where applicable)
- Coordinate with regulators across Europe and other international jurisdictions where required.
Corporate Governance
- Serve as a Director of:
- Apex Legal Ltd
- Monterra Capital
- Responsibilities include:
- Board governance
- Legal oversight
- Risk management
- Regulatory strategy
- Corporate structuring
- M&A legal support
- Board resolutions
- Shareholder matters
- Group legal policies
Client Advisory
- Support Apex Legal's external client base by advising on:
- Regulatory licensing
- Legal opinions
- Corporate structuring
- Investment transactions
- Banking partnerships
- Compliance frameworks
- International expansion
Internal Group Support
- Provide legal oversight to Monterra Capital portfolio companies including those operating in:
- Banking-as-a-Service (BaaS)
- Embedded Finance
- Core Banking
- Payment Processing
- Cross-border Payments
- Card Issuing
- Merchant Acquiring
- Digital Wallets
- Crypto Infrastructure
- AI-enabled Financial Services
Experience Required
The ideal candidate will possess:
- Qualified Solicitor of England & Wales (or Barrister with relevant financial services experience)
- Minimum 10 years of post-qualification experience
- Strong expertise in UK financial services regulation
- Extensive FCA licensing experience
- Proven experience advising regulated financial institutions
- Experience with payment institutions and electronic money institutions
- Knowledge of banking regulations, AML, sanctions and financial crime frameworks
- Experience in fintech and digital payments
- Corporate and commercial legal experience
- Board-level advisory experience
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Preferred Experience
Experience advising on:
- Banking licences
- EMI licences
- Payment Institution licences
- Cryptoasset registrations
- Digital Asset regulation
- Open Banking
- Embedded Finance
- PSD2 / PSD3
- Cross-border financial services
- Regulatory change programmes
- Mergers & Acquisitions
- Venture Capital transactions
- International corporate structures
Personal Attributes
The successful candidate will demonstrate:
- Strategic commercial thinking
- Strong regulatory judgement
- Exceptional drafting skills
- Excellent communication and negotiation abilities
- Executive presence
- High ethical standards
- Ability to work independently
- Entrepreneurial mindset
- Client-focused approach
Time Commitment
- Approximately 10 hours per week
- Flexible working arrangements
- Attendance at Board meetings
- Availability for strategic regulatory matters
- Support for key client engagements
Compensation
- Fixed monthly retainer of £5,000
- Director appointment within Apex Legal Ltd
- Director appointment within Monterra Capital
- Opportunity to build and lead the legal advisory practice of Apex Legal
- Opportunity to work with one of Europe's fastest-growing fintech and embedded finance groups
Why Join Apex Legal?
This role offers the opportunity to shape the legal and regulatory strategy of a growing international fintech ecosystem while building a specialist legal practice focused on financial services, banking, payments, embedded finance and digital assets. The successful candidate will work closely with the Group CEO, executive leadership and portfolio companies, influencing strategic decisions and supporting clients across multiple jurisdictions.
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