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Jodi Norman

Partner

Dubai

Image of Jodi Norman
Jodi Norman

Partner

Dubai

Jodi Norman heads Allen & Overy’s Middle East Financial Regulatory team and has unrivalled knowledge across the full suite of regulations applicable in the UAE: UAE Central Bank law and regulation, UAE SCA law and regulation, ADGM law and regulation and DIFC law and regulation.

She also has capability advising on SAMA/Capital Market Authority (CMA) law and regulation and supports A&O’s KSA desk on financial services regulatory matters. This regional knowledge is supported by strong working knowledge and experience in UK/EU financial services law and regulation.

Jodi advises many of the world’s leading financial institutions and we have invested in building a team with international support that can provide financial services regulatory advice to clients across all segments of the financial services industry, including: commercial banks, investment banks and broker-dealers (the sell side); asset managers, investment consultants, pension funds and other institutional investors (the buy side), exchanges, multilateral trading facilities and clearing houses (infrastructure providers), as well as regulators and governments on their regulatory frameworks. 
Increasingly, the clients that she advises includes a broad range of non-traditional financial services providers, such as payment services and cryptoasset providers and fintech start-ups.

Jodi is the Regional DE&I Partner for the Middle East, Africa and Turkey (META). In this role Jodi sponsors the META DE&I Working Group and is integral to delivering a work program that focuses on enhancing gender diversity and cultural diversity and supporting A&O’s working parents.

Jodi holds a CISI Level 6 Diploma in Investment Compliance, a qualification developed specifically for compliance professionals.

Experience highlights

Related articles

Publications: 23 November 2023

UAE looks to sustainable finance to boost transition

There is a growing awareness and demand in the UAE for sustainable investment opportunities. To meet this demand, Jodi Norman and Will Tunstall-Prince explain how recent reforms are now putting…

Read more UAE looks to sustainable finance to boost transition

Blog Post: 27 July 2021

The Market Abuse Regulation: the First Five Years

Read more The Market Abuse Regulation: the First Five Years

Publications: 27 July 2021

The Market Abuse Regulation: the First Five Years

Read more The Market Abuse Regulation: the First Five Years

Publications: 18 May 2020

Beyond Covid-19: Reinvigorating the economy in the MENA region by focusing on mid-caps and SMEs

Read more Beyond Covid-19: Reinvigorating the economy in the MENA region by focusing on mid-caps and SMEs

Expertise

Practices

Banking and Finance

Office

Dubai

11th Floor, Burj Daman Building, Al Mustaqbal Street, Dubai International Financial Centre
Dubai
PO Box 506678

View office →

Qualifications

Professional

Admitted as a lawyer, Ireland, 2018

Admitted as a lawyer, England and Wales, 2009

Academic

BA PPE (Hons), Politics, Philosophy and Economics, University of York/University of California, Santa Cruz, 2005

Level 6 Diploma in Investment Compliance, 2014

CISI Certificate in DIFC Rules & Regulations, 2012

CISI Islamic Finance Qualification, 2012

Other noteworthy experience

Advising:

  • Multiple ‘onshore’ UAE clients on their licence applications to the UAE Central Bank under the UAE Central Bank’s Stored Value Facilities Regulation and Retail Payment Services and Card Schemes Regulation. As both regulations are recently published, our clients were some of the first to submit licensing applications to the UAE Central Bank under these regulations.
  • Al Maryah Community Bank on its licence application to the UAE Central Bank to become the UAE’s first wholly digital bank.
  • Multiple new entrant DIFC-based clients on their licence applications to the Dubai DFSA to provide payment services on a cross-border basis from the DIFC.
  • Multiple new entrant ADGM-based clients on their licence applications to the FSRA to provide a range of services including payment services, virtual asset-related activities and digital private banking services.
  • An ‘onshore’ Dubai-based virtual asset exchange on its licence application to the newly established Dubai Virtual Assets Regulatory Authority.
  • A semi-autonomous zone on its founding laws and regulations across a number of sectors.
  • QFMA on the review of its consolidated regulations covering (i) Markets Rules and (ii) Financial Services Rules.

Recognition