Our services
Financial Services
& Banking Regulation
Today's financial institutions operate in a highly regulated and rapidly evolving environment. Regulatory compliance is no longer merely a legal requirement but a strategic business consideration.
With more than 20 years of experience in the financial services sector, Dorothée Ciolino and Stéphane Braun advise Luxembourg and international financial institutions, investment firms, payment institutions, electronic money institutions, asset managers, investment funds and fintech companies on a broad range of financial services and banking regulatory matters.
Recognised for combining technical excellence with a pragmatic business approach, Dorothée and Stéphane assist clients at every stage of their development, from initial authorisation and structuring projects to ongoing regulatory compliance, governance matters and strategic transactions while combining extensive regulatory knowledge with a pragmatic understanding of the business and operational challenges faced by regulated entities.
Practice Areas
● Outsourcing arrangements
● Prudential and conduct of business requirements
● Regulatory aspects of mergers, acquisitions and business transfers
● Corporate governance and internal control frameworks
● Establishment and licensing of banks, investment firms, payment institutions and electronic money institutions
● Regulatory inspections and interactions with supervisory authorities (Commission du Secteur Financier or CSSF)
● Anti-money laundering (AML) and counter-terrorist financing (CTF)
● Banking and financial services regulation
● Recovery and resolution planning
● Cross-border provision of financial and investment services and passporting
● Sustainable finance and ESG-related regulatory requirements
● Regulatory compliance and risk management
Our clients
Luxembourg is one of Europe's most important financial centers and a preferred jurisdiction for international financial institutions seeking access to the European market.Our team assists clients in understanding and complying with the regulatory framework applicable to their activities while supporting their business development objectives. We regularly advise on regulatory developments impacting the financial services industry, including digitalisation, tokenization, outsourcing, sustainable finance and governance requirements.
We advise a diverse range of regulated entities and market participants, including:
Credit institutions and banks
Investment firms
Payment institutions
Electronic money institutions
Fintech companies
Insurance and reinsurance undertakings
Family offices and institutional investors
Why clients choose QATCHOVA for their financial services and banking regulatory?
Clients choose QATCHOVA not only for our extensive experience with CSSF authorisations, but primarily for our expertise across traditional financial services and digital finance and our deep knowledge of the operational realities of regulated entities.
Our ability to combine legal expertise with an understanding of regulatory expectations and market practice makes us a trusted adviser for regulated businesses operating in Luxembourg and beyond.
To support our clients in a multi-jurisdictional projects, QATCHOVA is working closely with regulatory authorities and an extensive local and international network of lawyers which we have carefully selected to offer the same quality of services to our clients in multi-jurisdictional projects.
Our clients are looking for clear, actionable guidance and this is what we offer.
Stéphane Braun
Partner
Contacts
Dorothée Ciolino
Partner
Helping financial institutions navigate regulatory complexity with confidence, clarity and commercially focused solutions.