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Tessa Penninks
Partner

Tessa Penninks

Advocaat

Amsterdam, Netherlands
Languages
  • English
  • Dutch

Tessa Penninks is partner of the Banking & Finance practice area group of our firm in Amsterdam. She is head of the Financial Services group in the Netherlands.

Tessa advises financial institutions as banks, credit providers, payment service providers, insurers, FinTech/InsurTech companies and leasing companies in the field of, among other things, financial supervision regulations, market-entry (licensing application and European Passport notification) and anti-money laundering regulations, including the contact with the regulator in this regard. In addition, Tessa is particularly involved in the preparation and review of contractual documents regarding financial products and services, leasing and securities. Tessa also advises in disputes and litigation in these areas.

Awards & Recognitions
01 –
  • Quote
    We only need to say half a word to Tessa and she understands the topic, the issue and the possible solution or way to go forward.
    Chambers FinTech Legal, 2025
  • Quote
    I feel totally safe with Tessa. Whatever I give to her, even the most complex issue, I feel supported.
    Chambers FinTech Legal, 2025
  • Quote
    "Tessa Penninks leads her team with remarkable skill and a steadfast commitment to her clients. Her ability to manage urgent and complex matters instils great confidence, and I always trust her guidance and expertise in critical situations."
    The Legal 500 EMEA, 2025
  • Quote
    "Both Tessa and Laurens are easy-going, approachable lawyers. They are hands-on and pragmatic."
    The Legal 500 EMEA, 2024
  • Quote
    "Laurens Pronk is a pleasure to work with, and Tessa and Laurens work together efficiently."
    The Legal 500 EMEA, 2024
  • Quote
    "Tessa Penninks is always available and listens well to the ideas of others. She is open to looking for an alternative option and a joy to work with."
    The Legal 500 EMEA, 2024
  • Quote
    "We work closely with Tessa Penninks and we highly value her specific knowledge of our company structure and the business we are in. This really makes her stand out from the competition."
    The Legal 500 EMEA, 2024
  • Quote
    "The CMS financial services team is nice to work with. Laurens Pronk and Tessa Pennicks are friendly and approachable; they are a joy to work with as co-counsel."
    The Legal 500 EMEA, 2024
  • Quote
    "Tessa is incredible, it's an absolute pleasure to work with her."
    Chambers FinTech Legal, 2023
  • Quote
    "Tessa has a great understanding of the law, ranging from the history of the law and then the newest trends."
    Chambers FinTech Legal, 2023
  • Quote
    "Tessa is always looking for workable solutions and approaches within the regulatory boundaries. Very approachable person."
    The Legal 500 EMEA, 2022
  • Quote
    "Tessa is very knowledgeable and is an easy person to work with. She really pushes projects forward and remains proactive."
    Chambers FinTech Legal, 2022
  • Quote
    "Very responsive and skilled. looks for solutions and is helping to think ahead."
    IFLR1000, 31st edition
  • Quote
    Tessa Penninks is a notable practitioner.
    Chambers FinTech, 2020

Memberships & Roles

  • Dutch Finance Houses Association (legal commission)
  • Holland FinTech
  • Women in financial services "Wifs"
  • Association for Financial Law (VvFR)

Awards & Rankings

  • Chambers FinTech Legal, 2025, Ranked in FinTech Legal
  • The Legal 500 EMEA, 2025, Tessa Penninks is Recommended

Education

  • Financing and Security, Grotius Academy for Post-Graduate Law Studies
  • Dutch Law (Economy-related Public and Company Law), Utrecht University
  • Dutch Law (Private Law), Utrecht University
Practice Areas
Banking & Finance Financial Services Commercial
sectors
Blockchain & Smart Contracts Mobility Automotive

Insights by Tessa

See all Insights
News Netherlands

CMS Netherlands in the Chambers Europe 2026 rankings

19 Mar 2026 2 min read
Deals Netherlands

CMS advises a.s.r. on the acquisition of insurance activities Bovemij

02 Mar 2026 2 min read
Deals Netherlands

CMS advises EuroEyes on the acquisition of FYEO

02 Mar 2026 2 min read
Legal Update Netherlands

Netherlands financial authority issues guidance on embedded insurance

23 Dec 2025 5 min read
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