Charlotte (Lottie) Ritchie


Associate, London

Charlotte (Lottie) Ritchie


Associate, London

Charlotte (Lottie) Ritchie is an associate in Cohen & Gresser’s London office. She is a member of the firm’s White Collar Defense & Regulation and Litigation & Arbitration practice groups. Lottie’s recent work has comprised a range of matters across the Litigation & Arbitration and White Collar Defense & Regulation spaces, including acting as independent legal advisor to a witness in a substantial cross-border investigation, working on and leading multiple investigatory document reviews, and acting in commercial disputes.

Lottie has worked on diversity and inclusion initiatives both at Cohen & Gresser and otherwise, and is a Co-Chair of the firm’s global Committee on Diversity and Inclusion.  She also works on pro bono legal matters, most recently initiating a project in which Cohen & Gresser supports the Malawian Legal Aid Bureau in the defense of detainees facing the death penalty.

Prior to joining Cohen & Gresser, Lottie trained and qualified in the London office of Cleary Gottlieb Steen & Hamilton, where she gained invaluable experience with cross-border matters and high-value commercial disputes.

Lottie completed her Legal Practice Course and Masters of Science in Law, Business, and Management with distinction from the University of Law. She received her Graduate Diploma in Law with distinction also from the University of Law, and her Bachelor’s Degree in Philosophy, Politics, and Economics with Upper Second Class Honors from the University of Oxford. Lottie is conversational in French.

Charlotte (Lottie) Ritchie is an associate in Cohen & Gresser’s London office. She is a member of the firm’s White Collar Defense & Regulation…


University of Law (MSc, LPC, 2017; GDL, 2016); Christ Church College, University of Oxford (Bachelor’s Degree, 2015)

Bar Admissions

England & Wales

Activities and Affiliations

Member, Young Fraud Lawyers Association
Member, Female Fraud Forum

The 2024 edition of The Legal 500 UK Solicitors guide has recognized Cohen & Gresser’s London office for excellence in Commercial Litigation and two White-Collar Crime and Defense categories: Fraud: White-Collar Crime (Advice to Individuals) and Regulatory Investigations and Corporate Crime (Advice to Corporates).

Richard Kovalevsky KC received recognition as a Leading Individual in the Regulatory Investigations and Corporate Crime (Advice to Corporates) category, and Thomas Shortland is recognized as a Next Generation Partner in the Commercial Litigation: Mid-Market category. Additionally, John Gibson, Sir David Green CB KC, Ashley Collins, Patrick Ferguson, and Charlotte Ritchie are recognized as recommended lawyers.

Testimonials included in the tables praise the London team as “brilliantly innovative,” “top of the league,” and “standout stars in every way.” Client feedback also highlighted the team’s relentless persistence: “They will work unflaggingly and constantly until they have left no stone unturned and no potentially winning avenue unexplored.”

Opened in 2018, Cohen & Gresser’s London office provides legal services to clients around the world in a variety of disciplines. The office works closely across practices with colleagues in New York, Paris, and Washington, D.C., providing seamless support on sophisticated cross-border matters.

The Legal 500 UK Solicitors reflects the best lawyers and law firms in the UK following extensive research, interviews, and analysis of tens of thousands of submissions.

In a case summary for the Young Fraud Lawyers Association (YFLA) Newsletter, Charlotte (Lottie) Ritchie explores the facts, procedural history, and final decision in R v Andrewes (Respondent) – [2022] UKSC 24, a case addressing how the Proceeds of Crime Act 2002 applies to CV fraud.

In short: Should a defendant be stripped of their full earnings from a job obtained by lying on their CV? In answering the question on appeal, the Supreme Court called for a proportionate remedy that considered the earnings received by the defendant as well as the earnings he would have received but for the deception. The case serves as a cautionary reminder that lying on a CV is a crime, and inflated earnings received as a result may be confiscated.

What is the scope of banks’ duties to customers in executing their customers’ instructions? In particular, what are banks’ duties if the instruction is the instrument of fraud?
  • Earlier this month, the Court of Appeal overturned the previous decision of the High Court in Philipp v Barclays Bank UK Plc.
  • The claim concerned the liability of Barclays Bank for carrying out transfers that constituted an ‘authorised push payment’ fraud on Mrs Philipp – transfers that were requested and authorised by her, but induced by a third party through the use of fraudulent representations.
  • Mrs Philipp had argued that Barclays was liable for her losses because of its failure to comply with its Quincecare duty – a duty that has risen to prominence as a result of several high-profile cases in recent years.
In this client alert, Jumana Rahman and Lottie Ritchie explain what a Quincecare duty is, take a brief look at recent cases applying it, and discuss what Philipp v Barclays could mean for future cases concerning the scope of the duty.
The UK Supreme Court recently handed down its hotly-anticipated judgment in the business interruption insurance test case (FCA v Arch and others [2021] UKSC 1). The judgment extends, in certain respects, findings in favour of certain policyholders of business interruption insurance made by the High Court. In this client alert, Jumana Rahman, Thomas Shortland, and Charlotte Ritchie focus on the implications of the Supreme Court judgment for causation issues in insurance law and the wider law and address the consequences of the judgment for various key stakeholders.

In this C&G client alert, Jumana Rahman, Thomas Shortland, and Charlotte Ritchie consider the outlook for business interruption policyholders and insurers in the wake of judgment in the FCA’s test case, and take a look at what the insurance community has learned so far about COVID-19 and business interruption insurance.

In this C&G client alert, Jumana Rahman, Thomas Shortland, and Charlotte Ritchie discuss the legal and practical implications of the UK Supreme Court’s recent ruling on the reflective loss principle in Sevilleja v Marex.
In this C&G client alert, John W Gibson and Charlotte Ritchie outline the new UK Insolvency Practice Directions that are in place as a result of the Corporate Insolvency and Governance Act 2020.
In this C&G Client Alert, Jumana Rahman, Thomas Shortland, and Charlotte Ritchie examine the developing tension in the UK between insurers and policyholders regarding business interruption claims arising from the COVID-19 pandemic.
Jumana Rahman and Charlotte Ritchie discuss the English law implications of the COVID-19 pandemic on force majeure clauses, borrower-lender relations, offshore and fund litigation, and insurance cases, and consider the potential for transformational changes in the law, in an article for Lawyer Monthly

In light of the current outbreak of COVID-19 and other critical events of 2020, Jumana Rahman and Charlotte Ritchie consider the current state of force majeure in English law, and its impact on the performance of contractual obligations.

Jumana Rahman, Dawda Jawara, and Charlotte Ritchie consider the position of the UK borrower who defaults on debt due to COVID-19.

London team members Jeffrey M Bronheim, Jumana Rahman, Charlotte Ritchie, and Daniel H Mathias discuss the English law contractual provisions which may impact businesses and investors in light of the coronavirus epidemic.

John W Gibson, Tim Harris, Barbara K Luse, and Charlotte Ritchie discuss the Money Laundering and Terrorist Financing (Amendment) Regulations 2019 (“the 2019 Regulations”) that recently came into force in the UK.  The 2019 Regulations extend anti-money laundering responsibilities to UK art market participants, including art dealers and other intermediaries, in response to the increasing recognition that high value art is used by criminals and terrorist groups to launder and hide money.