Recently listed as a Leading Associate under the Fintech and Financial Services Regulatory sector in The Legal 500 Asia Pacific 500 (2024), Emily’s experience includes advising on payment system operations, payment instrument frameworks, peer-to-peer money transfers, as well as advising on regulations, license applications and regulatory engagement for several e-commerce, merchant acquiring service, as well as capital markets service providers, financial institutions, digital asset, and blockchain-based exchange platforms in Malaysia. Emily also supports the M&A team as part of her repertoire, and has been involved in numerous deals within the financial services, pharmaceutical and medical, medical devices, and food and beverage sectors amongst others.
Emily also brings with her broad-spectrum corporate commercial legal experience in project delivery, legislative drafting, public policy consultation, and other advisory. Other notable experience includes her work on a solar power plant joint venture, as well as joint venture and concession arrangements for a cross-border rail project between Malaysia and Singapore.
EXPERIENCE
Financial Regulatory and Financial Technology
- Advised a global payments system operator on its proposed business models which would involve working with licensed acquirers, merchants and other financial institutions within the intermediary chain on an instalment programme which would enable customers to stretch their payments (akin to buy-now-pay-later models) in relation to cross-border transactions under Malaysian law.
- Advised a global payments system operator on its carbon credit resale programme, which involved client partnering with a green fintech company to provide Malaysian financial institutions and banking clients a carbon offsetting solution for their cardholders by facilitating the resale of carbon credit products via APIs.
- Advised a global content, commerce and enterprise platform on its merchant and payment facilitation agreements in contemplation of its e-commerce operations launch in Malaysia.
- Advised a newly established Malaysian digital bank on its debit card issuance programme in support of its applications with payment system operators.
- Advised a Korean-based platform service provider and its payments-focused subsidiary on its business model and regulatory obligations facilitating the collection of funds on behalf of a US-based marketplace platform.
- Advised a global e-commerce platform on factoring and assignment of receivables under Malaysian law, and whether the e-commerce platform’s activity of entering into deferred payment agreements with its customers, and subsequent assignment of receivables would cause our client to require regulation.
- Advised a global peer-to-peer payments technology company on its crypto-specific multi computational wallets under Malaysian law, which involved provision custodial services.
Mergers & Acquisitions
- Assisted in the due diligence process on behalf of a global blockchain investment company in connection with the acquisition of a leading Malaysian digital asset exchange.
- Advised a major Malaysian hospital and medical services group in the divestment of its medical facility assets in Indonesia to a healthcare-focused private equity group.
- Assisted in the due diligence process in relation to the acquisition of a highway concession, with particular emphasis on advising on nationalisation and legal frustration risk.
- Assisted in the due diligence process acting for a buyer in connection with the acquisition of a company offering health services on digital platforms across more than one ASEAN jurisdiction.
- Assisted in the due diligence process for a buyer on a transaction involving the acquisition of a major regional pharmaceutical group from a foreign owner.
- Assisted in the due diligence process on behalf of a buyer in connection with the acquisition of a group of companies specialising in ophthalmological devices on a cross-border basis.
- Assisted in the due diligence as well as advising on transaction documents for a buyer in connection with the acquisition of an O&M company in the aviation service industry in a competitive tender.
- Assisted in the due diligence process on behalf of a buyer in connection with the acquisition of an international food and beverage franchise business.
- Assisted in the due diligence process in relation to the public listing of an oil and gas business unit, with particular emphasis on advising on nationalisation and legal frustration risk.
