Thomas is a retail financial services and regulatory lawyer with over 22 years of experience gained in Edinburgh and London, both in private practice and inhouse at a major UK bank and an international private bank.

Thomas advises on all areas of retail and SME financial services law, including:

  • payment services;
  • current and savings accounts;
  • cash management solutions and client money;
  • personal loans and overdrafts;
  • mortgage lending;
  • credit cards, charge cards and store cards;
  • fairness of consumer contract terms and plain English;
  • telephone, online and mobile banking and digital journeys;
  • commercial contracts with financial services elements;
  • outsourcing in financial services; and
  • retail regulatory compliance.

Thomas joined Shoosmiths in November 2019. His clients include household name banks and building societies, fintech companies and private, specialised and challenger banks.


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