Josephine Law is a counsel in the investment funds and regulatory group in Singapore. She focuses her practice on fintech and other financial services regulatory advice, as well as on registered fund transactions. Josephine regularly advises on fintech and payments regulatory matters, representing both international corporations and start-up companies. Her expertise includes fintech and other financial services licensing, and regulatory issues relating to digital payment and security tokens, payment services such as money transfer businesses, e-money and stored value facilities, payment systems, credit cards and merchant acquiring, and other regulated products and services under the Payment Services Act, the Securities and Futures Act and the Financial Advisers Act. She also frequently advises on the establishment and licensing of fund management clients, as well as handling licence applications to the Monetary Authority of Singapore. Her experience includes advising financial institutions on Singapore regulatory issues, such as those relating to licensing requirements and exemptions, regulatory approvals for restructuring and change in control, cross-border marketing of regulated services and products and offering safe harbour exemptions, outsourcing requirements, derivatives reporting issues and anti-money laundering issues. She also has significant experience in establishing domestic funds, listing exchange traded funds on the Singapore Exchange and registering both domestic and offshore funds for retail distribution.