CEE/CIS - Romania
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Reff & Associates SCA

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In the blossoming fintech space in Romania, Reff & Associates SCA is one of the key firms, boasting a notable client base from across the tech sector. More broadly, its banking and finance offering covers transactional matters, loan portfolio deals, financings, and banking-related M&A. ‘Smart and open-minded’ practice head Andrei Burz-Pinzaru regularly assists banks, non-banking financial institutions, payment institutions and publicly traded companies with financial regulatory matters. His team includes Andreea Șerban, who has a strong track record in loan portfolio disposals and M&A deals in the financial sector; and Patricia Enache, a frequent part of teams of counsel on high-value financings.

Legal 500 Editorial commentary

Testimonials

Collated independently by Legal 500 research team.

  • ‘Reff & Associates' banking and finance practice stands out for its in-depth industry knowledge and pragmatic approach to complex transactions. The team excels in structuring innovative financing solutions, with a focus on regulatory compliance and risk management. Their ability to handle large-scale deals with efficiency, coupled with a client-focused mindset, makes them a preferred choice. The practice is distinguished by its collaborative culture, diverse team, and use of advanced technology for seamless communication and project management.’

  • ‘The individuals at Reff & Associates are exceptionally skilled, with a deep understanding of both local and international markets. They combine technical expertise with a strategic outlook, offering valuable insights that go beyond legal advice. Associates are highly responsive, detail-oriented, and proactive, often anticipating challenges before they arise. Their dedication to client service and strong work ethic consistently set them apart from competitors.'

  • 'Andrei Burz-Pinzaru and Patricia Enache bring a strategic, forward-thinking approach, offering a rare combination of technical knowledge and commercial insight. Together, they provide seamless client service, setting a high standard in the industry.’

  • ‘The Reff practice stands out due to its strong blend of experience and knowledge, driven by a well-balanced team of diverse individuals. Their combined expertise ensures smooth management of complex legal and business challenges. Our collaboration was always seamless. Reff has a strong ability to leverage the complementary strengths of its team members, ensuring that clients benefit from a well-rounded perspective on every issue.’

  • ‘Andrei Burz-Pinzaru: smart and open-minded, he consistently brings a thoughtful and strategic approach to every challenge.'

  • 'Andreea Serban is super smart, she excels at coming up with out-of-the-box solutions that address complex issues effectively.’

  • ‘Very good professionals proactive, adaptable and available as per client's needs.’

  • ‘They respected deadlines, they were communicative and available to explain complex matters.’

Key clients

  • CEC Bank S.A.
  • Banca Comercială Română S.A.
  • BCR – Banca pentru Locuințe S.A.
  • Banca Comerciala Intesa Sanpaolo Romania S.A.
  • Powszechna Kasa Oszczędności Bank Polski S.A. (PKO Bank Polski)
  • ING BANK N.V. Amsterdam, Sucursala București
  • Bank of China (Central and Eastern Europe) Limited Sucursala Bucuresti
  • Addiko Bank d.d.
  • Garanti Bank S.A.
  • TBI Bank EAD
  • Credex IFN S.A.
  • Verida Credit IFN S.A.
  • Netopia Financial Services S.R.L.
  • BLIK ROMANIA S.A. and Polski Standard Płatności Sp. Z o.o.
  • Capital Financial Services S.A. (Twispay)
  • SEIF FINANCIAL SERVICES S.R.L. (SeifMoney)
  • VERALTIS ASSET MANAGEMENT S.R.L., part of B2K Group
  • CREDITEXPRESS FINANCIAL SERVICES S.R.L.
  • Santierul Naval Damen Galati S.A.
  • Concavo Trading Limited
  • MultiversX Labs S.R.L.

Work highlights

  • Advising Blik Romania on the set-up and the authorisation by the National Bank of Romania of a local payment system.
  • Advising Netopia Financial Services on preparing the full documentation required for its licensing by National Bank of Romania as a payment institution.
  • Advised Veraltis Asset Management on its authorisation by ANPC as credit servicer.

Lawyers

Leading associates
Leading associates with regular involvement in their team's key work, and recognition from peers or clients as being ones to watch.
Andreea Serban
Reff & Associates SCA

Practice head

The lawyer(s) leading their teams.

Andrei Burz-Pînzaru

Other key lawyers

Andreea Serban, Patricia Enache, Roxana Bratosin