Ratul Roshan is a dual-qualified financial services & regulations lawyer based in Riyadh, Kingdom of Saudi Arabia.

He has nearly seven years of experience advising on legislative drafting, payment services licensing, compliance, and policy development across the Middle East, South Asia, and emerging markets. He has led end-to-end licensing strategies and processes for major payment processors and aggregators under the UAE’s retail payment services, card schemes, stored value facilities regulations, securing approvals in record time.

Ratul has supported cross-border fund transfer providers with multi-million users in navigating governance, market conduct, and licensing requirements. His work includes advising on strategic licensing exemptions, agent-bank relationship structuring, and regulatory documentation for semi-government entities and listed companies. He has also contributed to policy drafting for licensing applications before the Saudi Central Bank (SAMA), aligning with the Implementing Regulations of Payments and Payment Services Law.