Thaer is an expert on regulatory issues relating to financial technologies, including electronic money, payments, crypto assets and open banking. Thaer is also an expert on regulatory issues relating to financial crime, where he has drafted industry AML/CTF guidance and sits on the board of the UK Joint Money Laundering Steering Group.

Thaer participates on behalf of industry in several organisations including the board of the European Payments Council, Open Banking forums and European Central Bank working groups relating to the Digital Euro. He advised on the first successful e-money issuer licence in 2002 and the first Payment Institution license in 2009. Thaer has been a member of the European Commission’s Payment Services Market Expert Group since its formation, and a member of the UK Task Force on Payments. 

He is the chief executive officer of the Electronic Money Association.  Thaer regularly speaks at conferences around the world and has published articles on e-money and payments, on crypto asset regulation and on money laundering matters. He represents the interests of the e-money, payments and crypto asset sectors with EU and global regulators, and has played a key role in the development of numerous regulatory regimes.

Thaer also provides legal services through our sister law firm FM Legal (also known as Flawless Money Legal).


  • Fintech
  • E-money and payments
  • Crypto assets 
  • Anti-money laundering and counter-terrorist financing


Office: Brussels