Areas of Expertise and Advisory
Lorna’s available for consultation, strategic projects, policy development & training, including in the following areas:
Trade & Supply Chain Finance
Bank Regulatory & Cross Border Jurisdictional Reviews/ Transactions
Future proofing & de-risking Economic Sanctions, AML, Financial Crime and Fraud
Digital Transformation & Innovation in trade finance
Policy development including benchmarking against industry compliance and legal standards
Managing / support for trade disputes, litigation & arbitration, including expert evidence
Managing trade finance transactions impacted by M&A and restructuring activities
Achievements
Lorna brings a standard of excellence and innovation to her work. Some of her recent achievements include the following:
Developed legal structure and documentation supporting trade finance risk distribution and balance sheet management which is now industry standard (ITFA – HSBC MARA – April 2024).
Digital Transformation & Fintech interface - key stakeholder in the development of multiple digital banking solutions as well as HSBC’s interface with 20+ third party fintech platforms (structure and legal documentation), including HSBCnet for Global Trade, HSBC Trade Pay, and platforms for receivables finance, digital merchant finance, and banking as service.
Strategic Management - Lead Legal advisor managing global crises, including trade finance transactions impacted by Economic Sanctions (Russia, Syria, Libya & more); Brexit; IBOR transition; and COVID
HSBC Standard Trade Terms - Developed, drafted and implemented the first online terms for trade finance at HSBC, fully standardizing terms and process globally in 50+ countries in multiple languages. Now recognized as the industry gold standard terms for core trade transactions. https://www.gbm.hsbc.com/en-gb/standard-trade-terms
Blockchain/ DLT – supported the launch of the first financial trade block chain transactions on platforms we.trade and Voltron (now: www.contour.network) , including co-creation and integration of the underlying legal concepts of Smart (Legal) Contracts and Payment Undertakings.
Financial Crime - Developed and globally implemented standard Financial Crime Compliance terms and guidance for all HSBC trade finance agreements and activities.
Driver of industry digitization in commerce, finance and trade:
UK Electronic Trade Documents Act – headed HSBC’s consultation submission.
E-bills of lading / e-bills of exchange - primary HSBC legal advisor for innovative trade finance deals including those using of e-bills of lading and e-bills of exchange. Joint ICC project counsel driving development and publication of Legal Status of e-Bills of Lading.
Regulatory Reviews - Developed & implemented global jurisdictional regulatory reviews for cross border trade financing activities:
Receivables Finance/ Supply Chain Finance & Reverse Factoring – 67 jurisdictions.
Demand Guarantee & Standby Letters of Credit issuance – 54 jurisdictions.
Trade Finance Risk Distribution & Secondary Market Trading – 30 jurisdictions.
Developed ESG trade finance products and documentation.
Global Guarantee Review Guidelines – created and implemented Guidelines for global operational and legal staff, leading to HSBC’s straight through digital processing of demand guarantees & standby letters of credit.