Experience

Josh is a partner in the Financial Services Regulation and FinTech practice. He has wide experience advising financial services providers and other clients on regulatory and FinTech matters, including banking, investment services, payment services, electronic money services, consumer/SME finance, authorisation and compliance issues, regulatory investigations, remediation and redress projects, anti-money laundering and sanctions. 

Josh is an officer of the Banking & Financial Law Committee of the International Bar Association. He is an Expert with P.R.I.M.E. Finance, a prestigious panel of recognised international market experts in finance. Josh is on the Governing Council of the Fintech & Payments Association of Ireland, an affiliate of the Banking & Payments Federation of Ireland; he co-chairs its Regulatory Insights Group and Crypto Working Group, in which capacity, he attends regular meetings with the Central Bank of Ireland. Josh is a member of Blockchain Ireland. In 2024, he provided legal input on an Irish Funds Digital Asset Project Group’s examination of the tokenisation of financial instruments. Josh is a member of the Institute of Banking. He has experience working as an in-house lawyer at an international bank and in the Government Department of Finance. 

Josh is recognised as a Market Leader by IFLR1000 for Financial Services Regulation, a Leading Partner in Legal500, Recommended in Who’s Who Legal and is ranked Band 1 in Chambers FinTech.

Key highlights include advising:

  • AerCap on Irish financial services regulatory aspects of its US$30 billion acquisition of GE Capital Aviation Services to position AerCap as the worldwide industry leader in aviation leasing.
  • Allied Irish Banks, p.l.c. on:
    • the purchase from Ulster Bank of a €4.2 billion corporate and commercial loan book and a €5.7 billion residential mortgage loan book; 
    • it's LIBOR transition project; and
    • it's SEPA Instant project.
  • Boku a payment institution, in relation to its authorisation by the Central Bank of Ireland.
  • Capitalflow on financial services regulatory matters concerning SME credit;
  • Close Brothers on financial services regulatory matters relating to insurance premium finance and motor finance;
  • Danske Bank on its conclusion of a Framework Agreement between the bank and the Department of Public Expenditure and Reform for the provision of Government Banking Services, a major step in the modernisation of the Government’s payments infrastructure.
  • Deutsche Bank on financial services regulatory matters relating to loan portfolio acquisitions, loan origination and loan servicing.
  • Intuit on its registration with the Central Bank of Ireland as an ‘open banking’ account information services provider
  • Irish League of Credit Unions on a wide variety of matters relating to the regulation of credit unions.
  • Lloyds Banking Group on the Tracker Mortgage Examination mandated by the Central Bank of Ireland to review regulatory and contractual compliance with respect to all tracker mortgage accounts.
  • National Treasury Management Agency on anti-money laundering, credit reporting and other financial services regulatory matters.
  • Pepper Advantage on financial services regulatory matters concerning residential mortgage servicing.
  • Pollen Street Capital on the sale of Capitalflow to Bunq, a fintech bank headquartered in the Netherlands.
  • Pollen Street Capital on the acquisition of a majority stake in the world’s largest mobile top-up service, Ding.
  • Visa on financial services regulatory matters relating to payment services.
  • World Bank on the B-Ready 2025 Project concerning Electronic Payments.