Charmian Holmes is a Solicitor Director of The Fold Legal, a boutique firm providing specialist regulatory, corporate and commercial advice to financial and credit services businesses. As well as advising clients on the implications of the financial services legislation, Charmian provides corporate advisory services and handles business sales, acquisitions and joint venture arrangements. She regularly advises on the enforceability of restraint clauses in shareholder and employment contracts. Charmian’s clients include brokers, underwriting agencies, financial planners, product comparison services and discretionary mutuals. She has a particular focus on supporting fintech and insurtech businesses, and is currently working on three projects with insurance disruptors. Prior to joining The Fold in 2003, Charmian was a Senior Associate in the Corporate & Financial Services team at Philips Fox (now DLA Piper), where she spent six years. A pragmatic problem-solver, Charmian brings a consensus-based approach to her legal and compliance work – and clients love her for it.