Image of Frederik Winter

Dr. Frederik Winter

Financial Regulation Partner, Frankfurt

“I focus on financial regulation, assisting credit institutions, insurance undertakings and other financial services providers to manage and develop their businesses within complex and changing regulatory environments.

Overview

Published works

Education and qualifications

Overview

Frederik advises on regulatory issues, particularly in the banking and insurance sector, and has assisted numerous insurers, banks, and financial service providers on a wide range of regulatory matters. Frederik is also counselling a range of clients on Brexit-related questions.

 

Earlier in his career, Frederik was seconded to the European Financial Markets Lawyers Group/European Central Bank.

 

Frederik is ranked as a leading individual in Chambers Europe (Banking & Finance: Regulatory - Germany) and in JUVE (insurance supervisory law).

 

"Exemplary technical knowledge coupled with commercial awareness" (Client, Chambers Global 2019)

 

"Second-to-none service" (Client, Chambers Global 2019)

 

"He has excellent expertise and takes a pragmatic approach" (Client, JUVE 2017/2018)

 

"He has excellent technical knowledge and the commercial awareness required to deal with our issues. A very high standard of client service is always maintained." (Client, Chambers Europe 2017)

 

"Pragmatic and solution-driven" (Client, Legal 500)

 

Work highlights

Frederik has led on, or been a key adviser in, many major matters and transactions.  Those that can be disclosed include advising:

  •  AXA on the sale of Pro bAV Pensionskasse to Frankfurter Leben-Group
  • Aviva Life on the transfer of the businesses of Friends Life to Aviva Life & Pensions UK (such transfer included a significant German back-book)
  • Montagu Private Equity on the acquisition of Universal-Investment 
  • Athene Holding on the acquisition of Delta Lloyd Deutschland
  • Helvetia Holding on its public takeover of Nationale Suisse
  • Erste Abwicklungsanstalt (EAA) on the restructuring and winding-up of WestLB, including the takeover of assets and liabilities each valued in excess of €160bn and the sale of Westdeutsche ImmobilienBank to Aareal Bank
  • Swiss Re in relation to the reorganisation of its European reinsurance business
  • Lloyds Banking Group on the sale of Heidelberger Leben
  • Deutsche Börse on the planned merger with NYSE Euronext and on its acquisition of Eurex
  • Citibank on the sale of its German retail banking business
  • Several German banks (including Landesbank Sachsen, Bayerische Landesbank, IKB and Hypo Real Estate) on regulatory aspects in relation to risk shields established in the context of the financial crisis

Published works

"Versicherer im Visier, Erste Schritte zur Sanierung und Abwicklung", FAZ, 12 February 2020, co-author

"Insurtechs in der Höhle der Versicherungslöwen", Versicherungswirtschaft, February 2020, co-author

"Rechtsentwicklungen im Versicherungsbereich 2019", Der Betrieb Sonderdruck, Beilage Nr. 3 zu Heft 51-52, December 2019, co-author

"Strukturen für den Effizienzvorsprung - Rechtliche Anforderungen beim Einsatz künstlicher Intelligenz in Versicherungsunternehmen" in: Versicherungswirtschaft, Number 9, pages 82-84, September 2019, co-author

„Neue Herausforderungen im Lebensversicherungssektor - BaFin verschärft Vorgaben an Nachrangkapital"" in: Börsen-Zeitung, Number 147, page 9, 3/8/2019, co-author

"Gesetzesänderung mit Fragezeichen: BaFin-Genehmigung für die Beendigung von Gewinnabführungsverträgen & Co.“, Versicherungswirtschaft March 2019, co-author

"Rechtsentwicklungen im Bankaufsichtsrecht 2018", Der Betrieb, Beilage Nr. 4 zu Heft 51-52, December 2018, co-author

"Rechtsentwicklungen im Versicherungsbereich 2018", Der Betrieb, Beilage Nr. 4 zu Heft 51-52, December 2018, co-author

"Keine Ruhe für die Lebensversicherung", Börsenzeitung, October 2018, co-author

"Divergierende Aufsichten bergen Risikien - Zehn Jahre nach Lehmann", Börsenzeitung, September 2018, co-author

Commentary on § 124 VAG (prudent person principle), in: Brand/Baroch Castellvi, Versicherungsaufsichtsgesetz, Handkommentar, Baden-Baden 2018

Commentary on §§ 128-131 VAG, in: Brand/Baroch Castellvi, Versicherungsaufsichtsgesetz, Handkommentar, Baden-Baden 2018, co-author

"Rechtsentwicklungen im Bankaufsichtsrecht 2017", Der Betrieb, Beilage Nr. 3 zu Heft 50-51, December 2017, co-author

"Rechtsentwicklungen im Versicherungsbereich 2017", Der Betrieb, Beilage  Nr. 3 zu Heft 50-51, December 2017, co-author

"Regelungsdichte für Versicherer nimmt zu", Börsenzeitung, February 2017, co-author

"Rechtsentwicklungen im Bankaufsichtsrecht 2016", Der Betrieb, Beilage Nr. 6 zu Heft 50, December 2016, co-author

"Rechtsentwicklungen im Versicherungsaufsichtsrecht 2016", Der Betrieb, Beilage Nr. 6 zu Heft 50, December 2016, co-author

"Verbriefungen als Kapitalanlageprodukte unter Solvency II", die bank, October 2015, co-author

"Verschärfte Anforderungen an Bankvorstände", Börsenzeitung, August 2013, co-author

"Erweiterung der gesetzlichen Vorgaben für das Risikomanagement von Versicherungsunternehmen", Versicherungsrecht (VersR), May 2013, co-author

"Vorreiterrolle in der Bankenregulierung", Börsenzeitung, February 2013, co-author

"Neue Vorgaben aus EU-Leerverkaufsverordnung", Börsenzeitung, August 2012

"Leerverkaufsverbote nach neuer EU-Rechtslage", Handelsblatt.com, June 2012

"Basel III presents German credit institutions with significant challenges", Journal of International Banking and Financial Law, November 2010 
"Changes in the regulatory environment for credit institutions in Germany: Are the lessons learnt?", Journal of International Banking and Financial Law, September 2009, co-author

"Verschärfte regulatorische Anforderungen für Kreditinstitute in Deutschland und Europa", Beilage, KIR, February 2009

"The new German Investment law: implications for fund sponsors and institutional investors", Journal of International Banking and Financial Law, April 2008, co-author

"Investmentänderungsgesetz greift zu kurz", Börsenzeitung, March 2008, co-author

"Deutsche Spezialfonds nun attraktiver", Börsenzeitung, February 2008, co-author

"Risikotransfer ist an strenge Auflagen geknüpft", Handelsblatt, October 2007

"Neue Anreize für Versicherer zur Risikoverbriefung", Börsenzeitung, November 2006 co-author

"Die Angemessenheit der Eigenmittelausstattung in der Bankenaufsicht", Studien zum Bank- und Börsenrecht, Band 59, Baden-Baden, 2004

"Neue Herausforderungen im Lebensversicherungssektor" in: Börsen-Zeitung, Number 147, page 9, 3rd August 2019, co-author

"Strukturen für den Effizienzvorsprung" in: Versicherungswirtschaft, Number 9, pages 82-84, September 2019, co-author

Education and qualifications

Frederik studied law at the University of Göttingen and modern history at Keble College, University of Oxford. He holds a doctorate in law from Humboldt University, Berlin.