Dr. Reto Luthiger
Dr. Reto Luthiger

Dr. Reto Luthiger

Counsel, Zurich

Schiffbaustrasse 2 | Postfach | CH-8031 Zurich | Switzerland
Schiffbaustrasse 2 | Postfach | CH-8031 Zurich | Switzerland
T +41 58 552 01 92
reto.luthiger@mll-legal.com

Profile

Reto Luthiger is a member of the firm’s banking & finance team and a co-head of the DLT | Blockchain & Cryptocurrencies industry group. He advises and represents domestic and international clients in financial markets regulatory and civil law matters as well as proceedings before FINMA, self-regulatory organisations (SROs), supervisory organisations (SOs) other authorities and courts. He has wide-ranging experience in banking, anti-money laundering, financial services, financial markets infrastructure and collective investment schemes law. Reto Luthiger acts as CEO of the Self-Regulatory Organization of Swiss Association of Investment Companies (SRO SAIC) and serves as member of the board of Vita Joint Foundation. He has sound knowledge particularly in banking, AML, FinTech, DLT/blockchain, FATCA and AEOI and made his PhD in the area of AML. He closely follows the newest developments in these fields. He is fluent in German and English.





Rankings & Awards

Chambers FinTech 2022 Reto LuthigerIFLR 1000 2021-22WWL Fintech & Blockchain 2021
  • “He is very polite and knowledgeable – very detail-oriented. He has a good business mindset, not just in legal terms” – Chambers and Partners, FinTech, 2022
  • “Very entrepreneurial. Deep business understanding. High level of commitment. Very engaged for the client. Very responsive and thinking along” – IFLR 1000, 2021-22
  • “Know-how, approachability, flexibility, sense of humor and solution-oriented mind-set” – IFLR 1000, 2021-22
  • “Reto Luthiger is held in high esteem by market commentators who note he is easy to work with and very creative” – WWL, Fintech, 2021
  • “Fintech specialist Reto Luthiger has the ability to provide expert advice based on profound knowhow of the regulatory landscape in Switzerland” – WWL, Blockchain, 2021
  • “Reto Luthiger is a capable, excellent and creative advisor with broad interests and knowledge and this also in DLT and other new fintech and regtech matters” – The Legal 500, FinTech 2021
  • “Reto is very proficient in various regulatory legal points in the financial services sector” – Chambers and Partners, FinTech, 2021
  • “Reto is the younger guy there, but he’s showing a lot of promise” – Chambers and Partners, FinTech, 2021

Deals & Cases

  • Advising Värdex Suisse in structuring and introducing its new cryptonow voucher cards available for purchase in retail stores enabling its purchasers to exchange Swiss Francs into crypto currencies
  • Advised the Self-Regulatory Organization of the Swiss Association of Investment Companies (SRO SAIC) in becoming a recognized SRO by FINMA and in all AML aspects, including conducting AML-training sessions for its members
  • Advises the Swiss Association of Investment Companies (SAIC) in all legal matters
  • Advised Bitcoin Suisse Ltd regarding various legal agreements and regulatory matters
  • Advised Modum regarding a swap of its outstanding token against tokenized shares (equity)
  • Advises Parity Group being establishing an international payment services ecosystem with regard to structuring and all Swiss financial market regulatory aspects
  • Advised a credit card acquiring institute regarding its general terms and conditions, AML-relevant aspects and onboarding of platform clients
  • Advised a credit card scheme regarding the introduction of dynamic currency conversion
  • Advised a credit card acquiring institute regarding new general terms and conditions for e-wallets as well as AML-aspects in
    connection with additional card holders and corporate cards
  • Advised an life insurance company regarding tax offences as AML-predicate offence and related AML-duties of care
  • Advises a private bank regarding all contractual and financial market regulatory aspects of the implementation of digital assets business
  • Advised an international bank regarding the implementation of a transaction and communication monitoring system in all aspects of financial market regulations
  • Advised several clients from the traditional financial sector as well as from the DLT/blockchain and Fintech sector in connection with FINMA pre-inquiries and enforcement procedures (including appeal proceedings)
  • Advised several ICO/TGE/STO projects with regard to corporate/transaction structuring, token classifications, FINMA-no action letters and other financial market regulatory aspects

Education & Admission

  • University of St. Gallen, Dr. iur. (2017)
  • Admitted to the bar in Switzerland (2014)
  • University of St. Gallen, Master in Law and Economics (2009)

Memberships and public offices

  • Capital markets and technology association (CMTA)

Languages

  • German
  • English
  • French

“Very entrepreneurial. Deep business understanding. High level of commitment. Very engaged for the client. Very responsive and thinking along”

IFLR 1000, 2021-22
More by Reto Luthiger

Publications

Legal aspects of AML/KYC and DeFi in Switzerland

Panelist at DeFi For Good International Conference, 1 June 2022
  • EN

Fintech 2022 Switzerland – Trends and Developments

Chambers and Partners, Global Practice Guides, Fintech 2022, 24 March 2022
  • EN

Alternative Funds 2021 – Switzerland

Chambers Global Practice Guides, Alternative Funds 2021, Switzerland: Law and Practice, p. 305, November 2021
  • EN

Classification of cryptocurrency staking under financial market law

Translation into English of Jusletter article "Finanzmarktrechtliche Einordnung des Stakings von Kryptowährungen", 30 September 2021
  • EN