Gabrielle Lowe

Associate, Dubai



Gabrielle is a UK qualified financial services regulatory lawyer based in White & Case's Dubai office. Gabrielle has experience advising banks, fintechs and other financial institutions on a range of contentious and non-contentious matters. Gabrielle has experience dealing with regulators in onshore United Arab Emirates, in each of the financial free zones and in the Kingdom of Saudi Arabia.

Gabrielle also spent two years in her early career working in a large UK financial institution where she gained expertise in payments, retail and business banking and financial crime related matters.

Bars and Courts
England and Wales
Legal Pratice Course with MSc
University of Law London
Graduate Diploma in Law
BPP University


Sociology with Social Psychology
University of York


Representative transactions include advising:

  • Amazon on its application to the United Arab Emirates Central Bank for a category III licence to provide Retail Payment Services to customers in the United Arab Emirates;
  • large international corporates on data protection requirements in the United Arab Emirates specifically with respect to localisation and cross-border data transfer requirements;
  • various international fund managers on fund marketing and distribution rules and regulations in the United Arab Emirates and wider GCC region;
  • a digital (app-based) mobile wallet provider on its application to the United Arab Emirates Central Bank for a licence to provide Stored Value Facility and Retail Payment Services to customers in the United Arab Emirates including crypto-currency services;
  • a buy now pay later (app-based) platform on payment services regulations in the United Arab Emirates;
  • on the establishment of qualified investor funds in the Abu Dhabi Global Market and the licensing and establishment of category 3C fund managers;
  • with respect to regulatory due diligence on merger and acquisitions arrangements to effect transfers of business and subsequent change in control applications to the Financial Conduct Authority, Prudential Regulation Authority and the Dubai Financial Service Authority. This included coordination of local counsel in multiple jurisdictions for regulatory approvals and notifications;
  • on regulatory enforcement matters including investigations into individuals in breach of the Dubai Financial Services Authority rules and regulations;
  • a global remittance business on their application for a license from the Dubai Financial Services Authority to provide money services from the Dubai International Financial Centre including the preparation of local compliance policies;
  • a large commercial bank on their application for authorisation for a Category 5 license in accordance with the newly publish Securities and Commodities Authority Rulebook; and
  • TP ICAP plc on the acquisition of leading global electronic trading network Liquidnet Holdings, Inc for a consideration of USD700 million which included United Kingdom and United Arab Emirates regulatory advice.