Fiona Ghosh

Partner

London

+44 20 7859 1520 | +44 784 1000 026

Fiona.Ghosh@ashurstperkins.com

Overview
Experience

Introduction

Fiona is a technology, commercial contracts and fintech Partner with over 25 years' experience.

Fiona Ghosh focuses on complex transformation projects especially involving AI, payments and strategic collaborations. Her practice focuses on navigating clients through significant disruption, business transformation and strategic risk management particularly at the intersection of regulation and technology.

Fiona is listed in The Lawyer's Hot 100 recognizing her work and sits on the Lexis Nexis Commercial Law Board.

Fiona advises clients across diverse sectors including financial institutions, governments, corporates and OEMs and on a wide range of payment solutions matters including card issuance, merchant acquiry, platform payments orchestration and digital payments.

Fiona is globally recognized leader in technology, FinTech and commercial services by Legal 500, Chambers & Partners and Who's Who Legal as a Global Thought Leader in Fintech Law. She regularly appears in Innovate Finance's Women in FinTech Powerlist and was invited by HM Treasury to be part of the UK Government's review of the future of Fintech.

The legal directories from clients' comments include:

"First class all round...looks for the tough questions clients don't think of.”
“Fiona Ghosh's 'tremendous business acumen complements her obvious legal expertise."
"A leading lawyer in this field" and "Incredibly dynamic with an extremely deep understanding of the banking industry". She is acclaimed for her "very impressive negotiations", her ability to "keep matters simple" and her "phenomenal grasp on how best to negotiate and contract to support agile programs with fintech clients."

Professional Experience

Global asset manager on its roll out of a global AI governance operating procedure and its application to existing governance frameworks including on operational resilience and data protection.
Global financial firm on the creation and deployment of an AI contractual clauses playbook for deployment across procurement, compliance and legal functions, designed to meet EU AI Act and NIST requirements on use cases.
Consortium of clearing financial institutions in the testing and evaluation of an orchestrated digital identity verification system.
Global (UK) bank on the regulatory and contractual risks on the deployment of agentic AI systems across a suit of retail financial products and services.
National postal services operator on the procurement and negotiation of its principal IT, sales and accounting platform across over 11,000 post network branches.
US technology platform on the regulatory risks of deployment external and proprietary AI agents across its platform across EU AI Act, UK regulatory analysis, card scheme implications and application of EU payment services regulation.
ANZ Bank Australia on its unwinding of joint venture arrangements with a global payments acquirer.
US mass transit operator on the tendering and selection of a new payment orchestration platform across underground, rail, ferry and road.
VW AG on its global alliance with Ford Motor Company (currently, the largest industrial alliance in the world, Project Cyclone) for the development, production and supply of a suite of light commercial vehicles and electric passenger cars in over 90 global markets.*
Leading UK financial institution on the procurement and strategic structuring of a "build from scratch" banking platform with a chain of technology and infrastructure providers, card schemes and payment processing providers.*