Charles H R Morris is a London-based lawyer specializing in financial regulation, with a particular focus on bank prudential regulation. He advises on UK and international financial services regulation, company law, and insolvency law. Charles has extensive experience in advising banks, investment firms, and other financial institutions on prudential regulatory and resolution-related matters, especially in the context of M&A, securities issuances, and group reorganizations.

Timothy Cleary is a partner in the London office of Clifford Chance LLP. He specializes in structured finance and synthetic securitization, with a particular focus on credit/synthetic risk transfer and bank capital requirements. He acts for banks across the UK and Europe, advising on all aspects of credit risk mitigation and the impact of such arrangements on their regulatory capital requirements. Timothy is acknowledged as a leading expert in the field of synthetic securitization, and has for many years been closely involved with banks and industry bodies in the evolution of the regulatory framework for such transactions.