Roger is a partner in our Commercial and Retail Banking team, with particular experience in consumer credit, payments, retail banking and mortgage regulation. He works with a broad cross-section of banks (international and local, established and challenger), lenders, payment service providers and infrastructure providers. Roger works with these clients and with the key industry bodies to help develop and implement new law and regulation. He also advises on the ongoing impact for all aspects of our clients' businesses, such as licensing and prudential requirements, product design, alliances like distribution and outsourcing arrangements, and transfers of portfolios or businesses. As an example of the breadth of Roger’s practice, he has recently been involved in the largest European payments acquisition, establishment of a new bank, dealing with the UK HM Treasury on scope of new mortgage regulation, working with the British Bankers Association to influence the development and implementation of the new Payment Accounts and Payment Services Directives and working on some new business models in the lending and payments sectors.