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Abbey Tobin

Principal - Banking & Regulatory

Abbey is a senior legal professional specialising in banking law, regulatory transformation, and digital innovation. She served over a decade at Standard Chartered Bank in Singapore as Global Head of Legal for Governance, Lending Advisory, and Digital, where she directed legal strategy for client coverage, regulatory implementation, lending, and initiatives like the IBOR transition and data privacy programs. Previously, she worked with a leading US law firm's Banking team in London, Hong Kong, and Singapore.

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Experience

Banking
 

  • Development of the Guide to Payments Regulation for clients across multiple jurisdictions – addressing commercial, regulatory and legal considerations around payment, e-money and licensing regimes.
     

  • Establishing Credit and Lending Standards for a global bank.
     

  • Legal support for balance sheet optimization initiatives to manage distribution and create risk efficiencies across lending assets.
     

  • Designing and drafting a global suite of banking documentation to support account opening, lending and trade offerings.

 

Regulatory Reform
 

  • Led the Groupwide IBOR Transition Programme for a global bank from a legal and contract remediation perspective, managing complex regulatory transformation across multiple jurisdictions: template design; regulatory liaison; deviation matrices; risk papers.
     

  • Comfortable liaising with regulators and industry bodies managing regulatory scrutiny and responding to industry consultations.
     

  • Review of credit risk mitigation standards against Basel IV updates for a global bank.

 

Governance
 

  • Designing legal policies and documentation standards for a global bank.
     

  • Preparation of standards around onboarding / KYC of digital asset service provider clients.
     

  • Streamlining offboarding approach for client to create legal and business efficiencies.
     

  • To optimise operating efficiencies and deliver on cost stretch, led migration of documentation units from Legal into the first-line.

  

Data
 

  • Establishing data sharing frameworks across entities in the digital asset trading and custodian space.
     

  • Review of data sovereignty standards across jurisdictions to support a groupwide data infrastructure.
     

  • Review and implementation of MLR40 (data retention) requirements across jurisdictions.
     

  • Establishing a consent to disclose (banking secrecy) gold standard for a global bank.
     

  • Advisory on data commercialization issues.

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Digital
 

  • Designed a data-driven, client centric in-house automation platform for IBOR documentation.
     

  • Development of a pan-Bank electronic signing approach.


Industry
 

  • APLMA Annual Conference 2022 – Key trends in IBOR transition
     

  • LMA Fintech Panel 2021 – Engaging today to enable tomorrow: key FinTech trends and challenges and what this means for lenders
     

  • LMA Conference Panel 2021 - Engaging for tomorrow: is automation the key to success?
     

  • APLMA Documentation Committee member – setting template standards for the Asian credit market.

Previously

  • Standard Chartered Bank, Singapore

  • White & Case, London, Singapore & Hong Kong

Credentials

ADMISSIONS AND QUALIFICATIONS​​

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  • Solicitor, England & Wales

  • Solicitor, Hong Kong

  • ICF Coaching Certification

  • CIPP/E (International Association of Privacy Professionals)

EDUCATION

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  • Postgraduate Diploma in Legal Practice (Distinction), BPP Law School, London, 2006

  • Graduate Diploma in Law (Commendation), BPP Law School, London, 2005

  • Joint Major in Political Science and Economics (Honour Roll), University of Washington, Seattle, 2003

  • MA in Economics and Politics (Hons, First Class), University of Edinburgh, 2004

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