This webinar aims to provide private client and fiduciary practitioners with a clear, structured understanding of the post-UBO transparency landscape, following recent European court interventions and regulatory recalibration. It seeks to move the discussion beyond compliance mechanics and toward lawful, defensible decision-making, balancing transparency obligations with fundamental rights to privacy and data protection.

The webinar will equip participants to navigate disclosure obligations with confidence, reduce professional risk arising from over-reporting and defensive compliance, and reassess how privacy can be preserved within the law, rather than in opposition to it.

By the end of this webinar, participants will be able to:

• Understand where the transparency law now stands after the ECJ decisions
• Identify where over-reporting and defensive compliance have gone wrong
• Learn how to rebuild privacy lawfully, not aggressively
• Gain practical tools for advising clients and protecting themselves
• Understand the current legal status of UBO registers following key European court decisions and national responses.
• Identify situations where over-disclosure exceeds legal requirements and may expose practitioners and clients to unnecessary risk.
• Distinguish between mandatory disclosure, discretionary disclosure, and unlawful disclosure.
• Apply principles of proportionality, necessity, and legitimate interest when assessing access to beneficial ownership information.
• Recognise the interaction between transparency rules, data protection law, human rights protections, and AML obligations.
• Implement documented, reasoned disclosure decisions that can be defended to regulators, banks, and courts.
• Better understand where professional responsibility ends and when refusal, restriction, or escalation is appropriate.

• Anti-Money Laundering Directives (AMLDs)
• EU AML Package (AMLR / AMLA)
• European Court of Justice Jurisprudence
• EU Charter of Fundamental Rights
• Data Protection Law (GDPR)
• AML Law (Cyprus)

• Lawyers and legal advisers
• Trust and estate practitioners
• Fiduciary service providers
• Family office professionals
• Accountants and tax advisers
• Trustees, protectors and private clients

Participants will receive a Certificate of Attendance for 2.5 CPD units subject to full attendance of the webinar.

Born and raised in Johannesburg, South Africa. She obtained her LLB and LLM (EU law) from the University of Leicester. Nicky is a certified Trusts & Estates Practitioner (TEP - STEP Chairwoman of the STEP Cyprus Branch, a certified AML Compliance Officer from the Cyprus Securities & Exchange Commission, licensed Insolvency Practitioner, and Vice President of the Trusts Committee of the Cyprus Bar Association appointed in 2023.

In 2019, Nicky established the law firm N. Xenofontos LLC, of which she is the Managing Partner. The firm is a boutique, business centric law firm, specialising in corporate, commercial law, intellectual property, insolvency and restricting, trusts and estates, compliance, regulatory, privacy law and fiduciary appointments.

Major areas of expertise and practice include the setting up and administration of trusts, general legal advice and opinions, estate and inheritance planning, intellectual property corporate insolvency / restructuring, general corporate and commercial law. Another major area of practice and expertise is compliance, anti-money laundering and regulatory matters having advised major corporations and governmental authorities as well as private clients and firms on their AML, compliance and regulatory matters.

Apart from the above, Nicky is a legal trainer-lecturer on her areas of expertise and regularly holds seminars through the firm's legal training centre - NextStep Legal Training Centre accredited by the Cyprus Bar Association for Continuous Professional Development and also provides in-house training to law firms, accounting and audit firms.

In November 2022, Nicky was appointed by the Ministry of Finance of the Republic of Cyprus to serve as a non-executive member of the Board of Directors of the semi-governmental owned House Financing Corporation.