Sophia Sophia

I’m a Results-driven Legal and Compliance Associate with demonstrated expertise in fintech and banking regulatory advisory, commercial contract management, and corporate governance. I currently serve as primary legal adviser to fintech and digital payment clients on CBN regulatory requirements.

At J.T. Samuels Law Associates, I advise fintech clients on CBN regulatory compliance, payment systems law, AML/CFT obligations, and digital financial services structuring. My work includes drafting, reviewing, and negotiating 150+ commercial agreements—reducing contractual risk exposure by 30%—and overseeing advisory for property transactions worth over ₦1 billion.

I also focus on regulatory-lean compliance implementation: advising on payment service provider licensing, e-money issuer obligations, and the super-agent framework. I’ve supported AML/CFT compliance obligations under the Money Laundering (Prevention and Prohibition) Act and CBN AML/CFT Regulations, including policy development and transaction monitoring frameworks.

Beyond compliance, I provide data protection guidance aligned with Nigeria Data Protection Act 2023 (NDPA) and NDPR—drafting Privacy Policies, Terms of Service, and consent frameworks. I’ve recovered over ₦300 million in client claims through strategic litigation and negotiated settlements, while maintaining 100% statutory compliance through corporate advisory support.