Annapaola Schino

I work as a counsel in our Finance & Financial Regulation practice in Milan where I advise banks, asset management companies, financial intermediaries, investment firms and listed companies.

Our Finance & Financial Regulation team is at the forefront of the Italian market thanks to its strong track record on the regulatory side of the financial sector. We have gained significant experience advising on the rules which govern both banking and financial services activities and can assist clients across all relevant areas, including the enforcement proceedings arising from investigations by banking and financial services authorities (Consob and Bank of Italy) as well as the related judicial proceedings.

I specialise in banking and investment services and assist our clients in a wide range of regulatory matters, advising on the implementation of the regulations affecting their activities. I mainly provide assistance to banks and financial intermediaries on issues relating to banking transparency, payment service and consumer credit regulations as well as on corporate governance and investment services.

My advice to clients includes the day-to-day support issues that they face as well as assessing the changes in their pre-contractual and contractual documentation, internal policies and organisational procedures due to the new rules coming into force.

I work with commitment and determination to achieve the best result for the clients and always try to identify any innovation or change within the legal framework that may be an opportunity for them.

• Assisting several Italian banks in assessing the changes in their pre-contractual and contractual documentation due to the new rules arising from the Directive (EU) 2015/2366 on payment services in the internal market (PSD2).
• Assisting clients in assessing the changes in their pre-contractual and contractual documentation due to the new rules arising from the Directive (EU) 2014/65 on markets in financial instruments (MiFID 2).
• Assisting some Italian banks in structuring the process concerning the offer of term deposits in Germany through an internet platform. Our advice focused on the banking regulations and covered the EU notification procedure.
• Assisting an Italian bank in relation to the EU proceedings regarding three branch passport notifications and subsequent establishment.
• Advising an Italian bank in implementing the EBA Guidelines on product oversight and governance arrangements for the retail banking product.