Marie leads our Financial Regulatory and Fintech practice in the Middle East. With a mix of experience working in private practice and inhouse, Marie is well-equipped to provide practical and commercially minded advice to clients in the region.

Marie's experience

  • Advised a government-backed economic initiative on the design and implementation of an innovative framework to facilitate unregulated real-world asset tokenisation activities. The mandate involved analysing legal, regulatory and policy considerations associated with tokenised assets, investor participation, technology infrastructure and market governance mechanisms.

  • Advised an international fintech business on the establishment of a stablecoin-focused business model in the UAE. The mandate included analysis of fiat-referenced tokens, payment token frameworks, licensing requirements, issuance structures, custody considerations and the applicability of UAE financial services and virtual asset regulations.

  • Advised a technology company on the development of a carbon credit framework incorporating digital infrastructure and emerging technologies. The mandate included regulatory analysis of carbon credits, environmental attributes, tokenisation considerations and the structuring of governance and participant obligations within the proposed framework.

  • Acting as ongoing regulatory adviser to a digital assets business on a broad range of virtual asset regulatory matters, including potential perpetual futures products, virtual asset service provider licensing considerations and the tokenisation of gold and other real-world assets. The engagement encompasses licensing strategy, product structuring, governance, compliance and regulatory engagement matters.

  • Advised a regulated virtual asset firm on regulatory enforcement issues and governance restructuring. The engagement involved assessing regulatory expectations, enhancing governance frameworks, reviewing oversight arrangements, advising on regulatory engagement strategy and implementing organisational restructuring measures designed to strengthen compliance and risk management functions.

  • Advised a leading UAE banking group on the legal and regulatory considerations associated with the development of AED-denominated blockchain-enabled account solutions. The mandate involved analysing payment infrastructure, digital asset interaction points, settlement mechanisms, customer protection considerations and broader banking regulatory requirements.

  • Advised a major international financial institution on the regulatory and structuring considerations associated with offering virtual account solutions to customers in the UAE. The advice covered payment services regulation, safeguarding considerations, operational models and cross-border service delivery issues.

  • Advised an international payments platform on the preparation of UAE customer terms and conditions for its payment services offering. The engagement involved drafting and negotiating customer documentation, allocating risk between participants, addressing regulatory compliance requirements and ensuring alignment with applicable UAE payment services regulations.

  • Advised a NASDAQ listed group on the proposed tokenisation of real estate assets through a special purpose vehicle structure established in Ras Al Khaimah. The engagement involved analysing legal structuring options, token issuance considerations, investor onboarding requirements and the interaction between real estate ownership, digital asset arrangements and applicable UAE regulatory frameworks.

  • Advised a global professional services firm on diverse financial regulatory matters across the Middle East, covering banking, financial services, wealth management, fiduciary services, data protection, and artificial intelligence.

Credentials

  • 2025
    Pinsent Masons, Partner
  • 2021
    Lean Technologies, General Counsel and Head of Compliance
  • 2018
    Pinsent Masons, Senior Associate
  • 2015
    Ernst & Young, Manager
  • 2011
    Addleshaw Goddard, Associate
  • 2006
    Qualified - England & Wales
  • 2006
    University of Leeds - BA International Relations
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Out-Law / Insight by Marie Chowdhry

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