Through my work, I support clients with product development, disclosure, and operational policies and procedures, including credit, financial services and banking licence applications.

My deep experience as a transactional finance lawyer allows me to provide a commercial perspective for the operation of regulatory obligations. Clients value my continued assistance in transactional lending, especially where the borrower is operating in a heavily regulated environment such as managed investment schemes, agribusiness and consumer credit.

Career highlights

• Credit Union Australia – assisted in bringing its new credit card to market, including managing outsourcing arrangements, terms and conditions, cardholder benefits programs and a review of key origination processes
• Asian bank – advised regarding its foreign branch application to the Australian Prudential Regulation Authority, including assisting with risk and compliance frameworks and related policies and procedures
• National Australia Bank (NAB) – acted for NAB as it set up inventory financing facilities for Accor Vacation Club and APVC Finance Pty Ltd to fund a regulated loan book for finance club members
• Subsidiary of a publicly listed entity – counselled in relation to applications for an Australian Credit Licence and Australian Financial Service License regarding a new credit business. Also acted for a foreign listed entity on a similar project
• Club banks – acted for in relation to core debt funding to the Australian Agricultural Company
• Challenger – assisted with its acquisition of a regulated reverse mortgage loan portfolio (now known as Arise)
• Aveo – acted in relation to core debt facilities for its retirement villages

Since 2015, I have been a Director of Global Sisters Limited, which now receives support through MinterEllison’s pro bono program.

I have been Chair of the Banking and Financial Services Law Committee of the Queensland Law Society since 2011.

Education
B.Econ, LLB(Hons), LLM

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• Changes to formation of AML/CTF reporting groups
  

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• ASIC is 'ready and willing' to use its new product intervention powers
  ASIC has deployed its new product intervention power for the first time to target a specific short term lending model that it considers causes 'significant consumer detriment' to vulnerable customers.
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• Changes to responsible lending on the way
  

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• Targeting predatory lending: ASIC consults on two product intervention orders
  

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• Australia to catch the tail of the crypto and payments tiger in 2022
  

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• Australia set to regulate cryptocurrency and digital assets
  

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• Order up! ASIC expands its menu of product intervention orders
  

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• AML/CTF: Navigate your compliance journey
  

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• Consumer protection is key: Assistant Treasurer outlines the government's position on SACCs, BNPL regulation and Responsible Lending
  

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• Targeting predatory lending: Two new product intervention orders now in force
  

  Two new product intervention orders now in force impose conditions on the issuing of short term credit and continuing credit contracts to retail clients.

• What do changes to unfair contract terms mean for financial service providers
  

  The federal government has passed amendments to strengthen and clarify the existing unfair contract terms provisions, and reduce the prevalence of unfair contract terms in consumer and small business standard form contracts. This has specific implications for financial services providers.

• ASIC's first insights from the Reportable Situations Regime
  

  ASIC has published its first insights into the reportable situations regime which came into effect on 1 October 2021.

• BNPL reform: Tighter regulation of the BNPL sector on the way?
  

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• Tightening BNPL regulation: BNPL products to be regulated as credit products
  

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• APRA's new operational risk standard finalised
  

  The Australian Prudential Regulation Authority (APRA) has released its long-awaited new cross industry prudential standard - CPS 230 Operational Risk Management (CPS 230) - to 'strengthen the management of operational risk across APRA's regulated population'.  APRA has also opened consultation on draft guidance to support implementation.  Here's what you need to know.

• What to expect from AUSTRAC if you're in their sights
  

  Recent reports of the ongoing case between AUSTRAC and CBA highlight importance of good governance.

• AML/CTF: The countdown to commencement
  

  Commencement dates are fast approaching for changes to Australia's AML/CTF regime. We explore the latest updates on the changes that take effect from 31 March 2026 for existing reporting entities and from 1 July 2026 for newly regulated entities.