EU-Qualified Payments Lawyer for Compliance Review and Formal Legal Opinion -- 2

We operate a licensed fintech banking platform, and our team has prepared a comprehensive compliance-documentation framework for a new payment-operator and payment-orchestration layer.

Before submitting the framework to regulators and onboarding additional acquiring partners, we require a final review by a qualified and currently practising EU lawyer with direct experience in payment services, payment institutions, PSD2 and AML regulation.

This assignment is specifically for an EU-admitted lawyer who is authorised to issue a formal legal opinion on their law firm’s letterhead. Applications from general compliance consultants without the necessary legal qualifications will not be considered.

Scope of review

The documentation covers:

* Payment-orchestration and operational flows
* Roles and regulatory responsibilities of all parties
* Risk-management controls
* Settlement and reconciliation procedures
* Safeguarding and segregation of client funds
* KYC, KYB, AML and transaction-monitoring touchpoints
* Acquirer and payment-service-provider interactions
* Outsourcing, governance and operational controls
* Incident management and regulatory reporting
* Data handling and record-retention requirements

The documents are already organised, annotated and substantially complete. The purpose of this engagement is to confirm that the provisions are legally sound, enforceable and aligned with applicable EU payment-services and AML requirements.

Required work

1. Review the full compliance-documentation pack in detail.
2. Assess the framework against applicable EU legislation and the requirements relevant to a licensed payment operator or payment institution.
3. Identify weak, ambiguous, conflicting or missing provisions.
4. Provide precise replacement wording for every material issue identified.
5. Highlight any jurisdiction-specific limitations or matters requiring confirmation by the relevant national regulator.
6. Deliver a concise, independent legal opinion confirming whether the framework is compliant and identifying any qualifications or residual regulatory risks.

Required deliverables

* Reviewed documents supplied in Microsoft Word with tracked changes, or as clearly annotated PDFs.
* A consolidated list of material findings and recommended actions.
* A standalone legal-opinion letter on the lawyer’s or law firm’s official letterhead.
* The legal opinion must be suitable for presentation to regulators, auditors, banking partners and acquiring institutions.
* Clear identification of the lawyer, law firm, EU jurisdiction of admission and current bar-registration details.

Required qualifications

* Currently admitted and in good standing with the bar or equivalent legal authority in an EU Member State.
* Professional indemnity insurance appropriate for regulatory legal work.
* Demonstrable experience advising payment institutions, electronic-money institutions, fintech companies, acquiring businesses or payment-orchestration platforms.
* Strong knowledge of PSD2, applicable national payment-services legislation, AML/CFT requirements, safeguarding rules and regulatory outsourcing arrangements.
* Previous experience producing formal legal opinions for regulators, auditors, banks or payment partners.

When applying, please provide:

* Your EU jurisdiction and bar-registration details.
* Relevant payment-services and fintech experience.
* Examples of comparable work, subject to confidentiality restrictions.
* Confirmation that you can issue the final opinion on official letterhead.
* Your proposed fixed fee or fee estimate.
* Your confirmed turnaround time.

We are ready to share the documents under an NDA and begin immediately. Our preferred turnaround time is three business days, subject to confirmation after reviewing the document volume.