Ralph is an experienced lawyer specialising in financial services regulation, including in the areas of consumer credit, regulated mortgage contracts, payment services, insurance intermediation and fintech products. He has advised a wide range of clients, from established retail banks and credit card lenders to SMEs and start-ups.

Ralph was previously the head of legal at a private bank and lead counsel at a high street retail bank. He also has extensive experience of advising senior executives on a range of risk and compliance matters at another retail bank and a major credit card issuer.