Emma Radmore

Legal Director, Bond Dickinson


Emma qualified as a solicitor in 1991 and joined Womble Bond Dickinson in August 2016 as a Legal Director in the financial regulation advisory team. Emma advises UK and international clients on compliance with all aspects of financial regulation and prevention of financial crime.

Emma acts for a range of regulated clients including banks, fund managers, investment firms, insurance firms and other retail intermediaries. She advises clients on:

  • The regulatory perimeter, including help with applications for authorisation and variation of permissions
  • The application of the SMCR
  • Marketing and distribution of products and services
  • Cross-border services both into and out of the UK
  • Review and drafting of compliance policies and procedures for all aspects of business, including customer take-on policies and financial crime prevention
  • Commercial agreements with third parties
  • Training and competence requirements
  • Dealing with the regulator.

Emma also advises a broad range of businesses on compliance with financial crime prevention laws, including the Bribery Act, Criminal Finances Act and anti-money laundering and financial sanctions regimes.

Emma is a regular contributor to industry journals and also speaks regularly at industry conferences. She has won many awards at the Compliance Register Platinum Awards, including Best Regulatory Lawyer and Best Compliance Trainer. She writes articles frequently and is on the editorial boards of Compliance Monitor, Financial Regulation International and World Securities Law Report, and sits on the Consultation Board of Thomson Reuters Practical Law Financial Services


  • UK branch of third country bank as general adviser on financial regulatory and financial crime compliance, including regular reviews and updates of compliance manual, AML sanctions and anti-corruption policy, application of the Senior Manager Regime and ad hoc regulatory issues
  • UK, global and third country fund managers, on a range of issues relating to alternative investment fund management, including advising on the marketing and sale of AIFs to professional and retail customers in a wide range of EEA and third country jurisdictions and co-ordinating dealings with local counsel and regulators
  • Major national and international businesses in the broadcasting, retail and manufacturing industries on compliance with financial crime prevention laws, including reviewing, adapting and customising policies to comply with the UK Bribery Act and financial sanctions regimes, assisting with risk assessments on counterparties and transactions, and providing bespoke training to businesses and associated persons
  • Due diligence in relation to potential acquisitions in the financial institutions, consumer (retail finance, insurance and mortgages) and consulting areas, in relation to financial regulatory and financial crime compliance, and
  • Investment, insurance and consumer credit firms on authorisation and variation of regulatory permission.


Sector expertise

Financial Institutions

  •  Perimeter: advising a wide range of domestic and international financial services businesses in the banking, investment, fund management, insurance and consumer credit sectors on authorisation and variation of permission under FSMA
  •  Commercial agreements: advising principals and appointed representatives on their obligations under FSMA and FCA rules, drafting and negotiating appointed representative agreements
  •  Financial promotion: advising on financial promotion restrictions and permitted marketing of financial instruments to a range of investors
  • AIF marketing: advising domestic and third country fund managers and distributors on the application of the AIFMD marketing restriction and associated regulated activities
  • Customer documentation: advising a range of firms on on-boarding processes for clients, including AML and financial crime compliance, customer categorisation and customer documentation


  • Perimeter: advising a range of insurers, reinsurers and primary and secondary brokers on the scope of FSMA, territorial application and scope of insurance mediation activities
  • Commercial agreements: advising on the use of outsourcing and appointed representative agreements relating to insurance
  • Financial crime compliance: advising insurance companies and brokers on the application of financial crime prevention legislation and compliance with regulatory expectations.