We specialize in providing regulatory advisory services to financial institutions and other legal entities operating in highly regulated sectors.

In a constantly evolving regulatory landscape, we help ensure your business stays compliant with applicable regulations—efficiently and cost-effectively.

CONTACT US

ABOUT US

We are a small but highly specialized team dedicated to supporting financial institutions and other regulated sectors in achieving and maintaining the highest standards of regulatory compliance.

Our extensive knowledge, gained through years of experience in drafting regulations under the jurisdiction of the National Bank of Serbia and supervising their implementation, combined with unique expertise in establishing compliance functions and managing compliance risks within complex organizations, forms the foundation of our professional practice.

SERVICES

01

Regulatory Compliance

Regulatory advisory for banks, payment institutions, insurance companies, leasing companies, exchange offices, and other financial institutions, as well as companies from other highly regulated sectors, ensuring compliance with new or amended regulations and regulatory requirements. Compliance diagnostic assessments in specific areas to identify risks and propose risk management measures.

02

Corporate Governance and Ethics

Support in improving corporate governance systems, developing compliance functions, and fostering an ethical culture: drafting internal documents (statutes, compliance policies, compliance risk identification and assessment methodologies, codes of ethics, etc.), providing opinions and advice on these documents, preparing materials to promote ethical culture, and conducting both general and specialized trainings.

03

Financial Consumer Protection

Support in achieving the highest standards of compliance in the area of financial consumer protection (advertising, pre-contractual information, contractual documentation, customer notifications, early repayment, etc.), drafting legal opinions, reviewing documentation, and establishing or enhancing compliance processes related to financial consumer protection regulations.

04

Outsourcing and New Products

Comprehensive support in analyzing processes of outsourcing and introducing new products, ensuring their compliance with National Bank of Serbia regulations, reviewing documentation required for notifying the regulator about planned outsourcing and new product launches, and providing support in communication with regulator.

05

Foreign Exchange Operations

Support in understanding and applying foreign exchange regulations (drafting legal opinions and responding to specific queries).

06

Regulatory Approvals

Comprehensive support and strategic guidance in obtaining licenses, permits, and other regulatory approvals, including reviewing documentation and providing support in communication with the regulator.

07

Anti-Money Laundering (AML/CFT)

Drafting legal opinions on the application of anti-money laundering and counter-terrorist financing regulations, analysing compliance in this area, and proposing specific measures to improve AML/CFT systems.

08

Business Optimization

Comprehensive and methodologically sound analysis of specific regulated business processes and functions to identify optimization opportunities, proposing and implementing optimization measures through amendments to internal documents, ensuring compliance with reduced use of internal resources.

09

IT and Commercial Contracts

Drafting and reviewing IT contracts and commercial contracts with a particular focus on regulatory compliance and risk reduction.

10

Regulatory Framework Analysis for Potential Investors

Comprehensive strategic analysis of regulatory requirements arising from a complex regulatory framework, designed for investors considering entry into the Serbian market, with special emphasis on FINTECH providers, payment initiation service providers, account information service providers, and digital asset-related service providers.

01 Compliance
02 Corporate Governance
03 Consumer Protection
04 Outsourcing
05 FX
06 Regulatory Approvals
07 AML/CFT
08 Optimization
09 Contracts
10 FINTECH

OUR APPROACH

Thanks to our extensive experience in compliance risk management, our team accurately identifies and assesses regulatory risks and provides strategic, cost-effective responses.

We take an individualized approach to each client, effectively combining our thorough understanding of regulatory requirements with practical solutions, ensuring precise, efficient, and reliable management of even the most complex compliance challenges.

As we firmly believe good corporate governance and ethical culture are fundamental to the sustainable development of any organization, we give special attention to this area and strive to find and deliver tailored solutions to meet each organization’s specific needs.

MEET OUR TEAM

Dr. Kristina Buha

Dr. Kristina Buha

Kristina has nearly two decades of experience in legal and regulatory affairs, with 18 years at the National Bank of Serbia, where she directly contributed to drafting and implementing key financial regulations and significantly contributed to the development of the financial sector.

She was directly involved in creating and establishing the compliance function in the central bank and drafting its Code of Conducts.

She held positions as Head of the Compliance and Head of Division for Financial Consumer Protection.

She also led a regulatory advisory team at a respected law firm, closely collaborating with financial institutions, IT service providers, and other clients on various legal, regulatory, and governance matters.

Radmila Maravić

Radmila Maravić

Radmila is an attorney with extensive experience advising clients from highly regulated sectors, including financial institutions, pharmaceuticals, tobacco, and energy.

In addition to regulatory matters, Radmila provides assistance and support in contract law, commercial and corporate law, and banking law.

She previously worked at two leading corporate law firms in Belgrade, and completed internships at the National Bank of Serbia – Unit for Development and in the Finance & Contracting Sector at the EU Agency for Fundamental Rights (Vienna), as part of her legal training.

Radmila is a member of the Belgrade Bar Association.

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