Ramparts: no assumptions, just solutions 


Ramparts is a European law firm based in Gibraltar and in the UK.

Our team is qualified to provide legal advice on English, Gibraltar and European law - we support clients in the finance and technology sectors. We bring an international perspective and a multi-disciplinary approach to the services we provide

Our practice is to ensure that the solutions we provide are as innovative as necessary to meet the objectives whilst being as simple as the commercial objectives permit. Our philosophy is to bring significant industry experience coupled with a flexible approach to problem-solving. We find that when theory meets reality, theory inevitably suffers - therefore we are light on theory and strong on solutions.


Ramparts has been beside Lottoland every step of the way in our journey of significant growth since we came to Gibraltar in 2013. The personable, reliable, commercial and professional ethos of the firm is evident in all their staff, qualities engendered by their founder and leader Peter Howitt with whom I first worked 10 years ago.

Nigel Birrel, Director, EU Lotto

The firm, like their talisman Peter Howitt, are a breath of fresh air to the legal industry and demonstrate an alignment to our strategy to make a difference in payments through a dedicated approach to identifying innovative solutions for both our needs and our partners needs. Highly recommended!

Kriya Patel, Managing Director, Transact Payments Group

William Hill has tapped into Ramparts’ specialist knowledge in the field of gambling regulation and e-payments, both of which we would consider to be first-class. They back this up with relevant knowledge and experience of associated areas such as data protection and litigation. Service-delivery has been matched their technical expertise – dedicated, personable, timely and - most importantly - commercially-focussed. 

Michael Leadbeater, Director of Group Legal Services, William Hill PLC 

We have depended on Ramparts' advice for a wide range of business needs, including corporate financing transactions, human resources issues and specific regulatory analysis. Ramparts has consistently provided us with detailed and timely advice with a level of transparency that sets them apart from other firms. Their dedication and commitment allows us to devote more time towards the success of our core business.

Brent Almeida, CEO, Wave Crest Group


"The only source of knowledge is experience." 


(Albert Einstein)

Legal Awards 2015




Areas of Specialism:

  • Corporate & Commercial
  • Commercial Property
  • Employment
  • Finance & Financial Services
  • Fiduciary
  • Regulatory


We provide our clients with industry knowledge and an 'in-house' level of expertise in each business sector we support. Ramparts consists of qualified lawyers from multiple jurisdictions.


We advise clients on English, European and Gibraltar law. Our team comprises professionals with international experience and the ability to communicate in a number of European languages.  We have relationships with specialist legal advisors internationally.

Corporate & Commercial Support:

We help clients achieve their business objectives by structuring corporate and legal assistance in a clear and simple manner. We have supported clients on a diverse range of commercial and corporate issues including commercial contracts, employment matters, funding agreements, licensing, M&A, property transactions and tax related matters.

We also work with key industry stakeholders including industry associations, major market counterparties and regulators.

Cross-border Regulatory Support:

In addition to our own cross-border regulatory advice, Ramparts works with a network of international e-commerce and financial services regulatory experts for European and international businesses and projects. 

General Corporate Support:

We work with a number of trusted service providers for a wide range of services including: audit and accounting, banking, human resources, insurance and tax.




  • Banking & Capital Markets
  • Consumer Credit
  • Gaming
  • E-Commerce
  • Fintech - including e-payments, cryptocurrency & crowdfunding
  • Insurance
  • Private Client & Family Office
  • Technology

We specialise in providing tailored legal & corporate advice, services, structuring and support. 

We work as a trusted partner with established large multi-national clients (FTSE and Nasdaq listed), investment entrepreneurs and early stage companies and are specialists in managing and advising on cross-border projects within Europe.

GEMASpotlight / e-payments: 

We work with businesses seeking to become authorised in Europe as well as existing Payment Service Providers, card scheme associations, processors, banks, e-money and payment issuers and acquirers. We are an associate member of the Gibraltar E-Money Association.  We support clients on a full spectrum of issues including anti-money laundering requirements, authorisation, collective investment funds, conduct of business rules, finance structures, passporting, securities, structuring, insurance and tax. 

Spotlight / e-gaming:

GBGAWe support European e-gaming clients on a wide variety of matters including multi-national licensing authorisation and compliance, market contracts, marketing, regulated and unregulated betting & gaming advice and other matters related to providing B2B and B2C services internationally. We help clients take advantage of online technologies on diverse issues including: cloud computing, cross-border taxation (including VAT), data protection, licensing, marketing, sales & distribution and technology development. Peter Howitt is also the acting Chief Executive of the Gibraltar Betting and Gaming Association.




Our Team

Peter Howitt



David Abdoo
Non-Executive Director


David Borge
Practice Director


Colleene Wink
Senior Consultant


John Pauley

joe  johnpauley@ramparts.eu


Sheena Subherwal Patel



Sian Hoskin
Legal Executive & Chartered Secretary


Peter Young


James Falero


Monika Thys
Practice Manager


Joelle Trinidad
Legal Assistant



 Giana Spiteri
 Marketing and Office Executive










  • 2405/2017

    Ramparts welcomes Colleene Wink


    We are pleased to welcome Colleene Wink who joins our legal team in Gibraltar.

    Colleene specialises in Gibraltar property law having established a stellar reputation in both residential and commercial aspects of property law by combining firm negotiating - ensuring that the client's needs are always paramount - and an approachable, friendly, and down to earth style, quickly putting clients at ease and ensuring they always understand the conveyancing process and legal documentation.

    Colleene is a barrister who is called to both Bar in both Gibraltar and England and Wales and has sixteen years experience.  She has represented a wide range of clients - from those starting out on the property ladder to those with a wide portfolio of properties, private landlords, lending institutions, government agencies as well as both local and international developers.

    Colleene started her career at one of the biggest law firms in Gibraltar, where she was invited to join the partnership after 8 years having worked there as an associate since 2001. After the birth of her second son Colleene set up and ran a successful property practice before joining the Ramparts team.


    Ramparts’ Founder, Peter Howitt stated:

    "I am very pleased to welcome Colleene to the Ramparts team. Colleene's significant experience in commercial and high end residential property matters, her team spirit and client focused and friendly approach will enable her to develop a property practice that fits with our core values. In addition, Gibraltar continues to show strong economic growth and we see a lot of interest in inward investment internationally, this will lead to greater demand for property development projects that Colleene is well placed to lead with support from our corporate finance team."


    Colleene Wink added:


    “I am very excited at having joined such a dynamic and forward thinking team at Ramparts which, in a competitive market, continues to attract leaders in their respective legal areas to provide the highest level of expert advise to their clients.”


    Ramparts Profile:


    Ramparts is a European law firm based in Gibraltar and in the UK. We specialise in UK, Gibraltar and EU wide legal and regulatory issues. Ramparts provides support for clients in the financial services (e-money, finance and funds), electronic commerce (including payments and e-gambling) and technology sectors. Our clients include individual entrepreneurs, early stage innovation companies and publicly listed multi-nationals.


    We have also recently opened a private client practice to support wealthy individuals and families with their personal wealth management matters that will include the establishment and provision of family office and family office services.


    Ramparts: “no assumptions, just solutions”


  • 0703/2016

    Ramparts Team Trip to Sierra Nevada



    The Ramparts team enjoyed their annual getaway to Sierra Nevada. This is the teams' second trip up to the mountains and it is truly a great way to bring everyone from the Gibraltar and UK offices together. 



see all news articles


See below the latest publications added or go to all online publications

  • 1809/2017

    Regulation of token sales/ICO under international securities law - 1

    As lawyers (and now many token sale founders) know, there is not one law or legal framework that specifically applies to the issuance, promotion and sale of crypto-tokens by enterprises. The title of this article is therefore something of a misnomer but hopefully it will prove useful to highlight some key common principles in securities law in the USA and Europe — the issue of jurisdictional differences and sovereignty of legal jurisdictions is also crucial to remember given the ability for e-commerce services to be provided entirely remotely globally.

    The question of which laws are ‘applicable laws’ for online offerings is always a challenging question in any sector [1.]

  • 1801/2017

    Passport to the Future: Payments Industry Paper

    With the UK potentially leaving the EU in 2019, there could be a risk of losing its passporting rights to the European single market meaning many regulated payments companies in the UK & Gibraltar will be unable to deliver products and services across the European Economic Area (EEA).  In this report the Emerging Payments Association (EPA), with Ramparts as sponsors and co-authors, provide a review of 15 countries that these payments companies could become regulated in to continue to access the EEA common market, along with an in-depth analysis of the six best countries to be considered.

    Whilst Brexit negotiations are taking place, the UK government cannot ignore the value of passporting as this could result in many of the UK Treasury’s estimated 60,000 FinTech employees to move their operations abroad.  Given the risks of Brexit, every regulated payments company (PSP) must consider their options, the report outlines some very good jurisdictions in addition to the UK in case that proves necessary. 

    To access the link to download the full report, click the link below and simply complete the form:


see all publications

Contact Response

Thank You!

Your information was successfully submitted.

Get in touch


email: info@ramparts.eu
Gibraltar Office:
6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 1AA 
Tel: +350 200 68 450
UK Office:
2nd Floor, 3 Hardman Square, Spinningfields, Manchester, M3 3EB
Tel: +44 (0)161 9149785


© Ramparts and Ramparts Law 2012 privacy policy

continue ›

Use of this Web site is subject to our privacy policy which includes information on our use of cookies.