Andrei Costica

Andrei Costica

Senior Associate

Andrei advises on regulatory matters with a focus on FinTech, payments, MiCAR, outsourcing, AML and general financial sector regulatory matters.
He holds a LLM in European Banking and Financial Law at University of Luxembourg, a Master 2 in Business Law from Paris II Panthéon-Assas University. During his Master 1 in Business Law at Paris-Est Créteil University he was selected in the Themis excellence program in partnership with Luigi Bocconi University. He joined the firm in 2018.


Representative matters

Andrei regularly advises payments and e-money institutions, FinTechs as well as financial institutions on regulatory matters.

Speaking Engagements

  • Speaker at the PSD3 conference organised by A&O Luxembourg and the European Commission 25 September 2023
  • Speaker at the 9th FinTech Conference organised by the University of Luxembourg, 4 October 2023

Leadership Positions And Professional Affiliations

  • Member of various ABBL task forces and working groups, such as the Payments Cluster, the Instant Payments Working Group and the PSD3/PSR Working Group.



Avocat, Luxembourg Bar, 2016


LL.M, European Banking and Financial Law, University of Luxembourg, Luxembourg, 2014

Master 2, Business Law, Paris II Panthéon-Assas University, France, 2013

Master 1, Business Law, Paris-Est Créteil University, France, 2012

A&O Shearman was formed on May 1, 2024 by the combination of Shearman & Sterling LLP and Allen & Overy LLP and their respective affiliates (the legacy firms). Any matters referred to above may include matters undertaken by one or more of the legacy firms rather than A&O Shearman.