Dorothée Ciolino

Practice Areas

Dorothée Ciolino is widely recognised for her expertise in FinTech, payment services, and financial regulation in Luxembourg. With more than two decades of experience advising financial institutions and technology driven businesses, she is noted for her deep understanding of the EU digital finance framework, including PSD2/PSD3, the Payment Services Regulation (PSR), DORA, MiCA reforms.

Dorothée regularly advises payment institutions, e money institutions, virtual asset service providers (VASPs), Crypto asset service providers (CASP), electronic money issuers, and technology companies on licensing, regulatory strategy, product structuring, cross border passporting and interactions with supervisory authorities. Clients value her ability to provide clear, commercially attuned regulatory guidance, particularly in relation to safeguarding, outsourcing, operational resilience, governance and compliance implementation.

Market sources highlight her hands on perspective, stemming from her experience as a director in payment services providers, which enables her to translate complex regulatory requirements into practical operational solutions. She is frequently sought after for her expertise in digital onboarding, cloud based service models (SaaS/PaaS), digital identity frameworks, and data intensive financial products.

In addition to her regulatory practice, Dorothée advises FinTech scale ups and established regulated entities on corporate structures, commercial arrangements, and cross border transactions, including M&A involving regulated businesses, restructuring projects, and strategic partnerships in the financial services sector.

Before joining Norton Rose Fulbright, Dorothée was the founding partner of DCL Avocats, reflecting her entrepreneurial profile and strong track record in building and leading a high calibre legal practice focused on financial innovation.