Name
Kristīne Mora

Senior Associate

Languages

English, Latvian, Russian

Location

Latvia

Primary practices:

Banking & Finance, Fintech, Insurance, Regulatory

Secondary practices:

GDPR & Data Protection, Corporate, M&A

Contacts

+371 28 300 711

kristine.mora@vilgerts.com

Contacts

+371 28 300 711

kristine.mora@vilgerts.com

Primary practices:

Banking & Finance, Fintech, Insurance, Regulatory

Secondary practices:

GDPR & Data Protection, Corporate, M&A

Profile

Kristīne Mora, Mag.iur. leads the firms Fintech and Finance law practice groups.

Kristīne has extensive experience representing fintech, leasing, bank, credit institutions and electronic money institutions, across a variety of different legal situations.

Notably, Kristīne recently led one of the largest public bonds issuance in recent years (EUR 30 million), for a company listed on the Nasdaq Riga Stock Exchange, which presented its challenges.

Kristīne’s Fintech and banking & finance experience includes (but not limited to), establishing companies in various jurisdictions and leading the licensing processes, product development, GDPR, compliance matters, harmonization of financing agreements, onboarding as loan originators onto peer-to-peer marketplace platforms and supporting legal work on emission of security instruments within the EU regulated market.

Kristīne has developed significant professional experience working as the head of legal at AS Mogo Car Finance group, as well as working at the largest finance sectors companies, such as AS SEB banka, Bigbank AS Latvian branch, ERGO Life Insurance SE Latvian branch and ERGO Insurance SE Latvian branch.

Throughout Kristīne’s interaction with national regulators across various jurisdictions, she has gained extensive insight and valuable knowledge covering a number of regulated industries such as insurance, banking & finance, leasing and consumer finance, EMIs, PIs, crowdfunding, peer-to-peer marketplace platforms, cryptocurrency operators and e-money wallets.

Career

2021 / Senior Associate, VILGERTS
2015 – 2021 / Head of Legal / DPO AS Mogo Car Finance
2014 – 2015 / Lawyer / ERGO Life Insurance Latvian Branch / ERGO Insurance Latvian Branch
2013 – 2014 / Lawyer / SIA ACTUSQ
2012 – 2013 / Credit Recovery Executive / AS SEB banka
2011 – 2012 / Legal Support Coordinator / AS SEB banka
2008 – 2011 / Junior Lawyer / AS BIGBANK Latvian Branch

Education

2012 / Rīga Stradiņš University, Mag.iur.
2010 / Rīga Stradiņš University, Bachelor’s degree in Law

Experience

VILGERTS assisted Summus Capital OÜ with the issue of unsecured bonds in the amount of EUR 10 million, arranged by Signet bank.  Summus Capital OÜ, established in 2013, is an Estonian-based investment company which has diversified commercial real estate portfolio in the Baltics. The group possesses a portfolio of cashflow generating commercial real estate properties in the retail, office, logistics and medical segments. The VILGERTS team included managing partner, Gints Vilgerts and senior associate, Kristīne Mora.  Other lawyers involved, included Kaido Loor.

Publications

Team