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Julia is an expert in banking and financial services regulation.

She is a senior member of the non-contentious regulatory practice in Melbourne with over 17 years’ experience spanning private practice (at Herbert Smith Freehills, and formerly Freehills) and in-house at retail banks through undertaking multiple secondments (most recently at ANZ in 2022-2023).  

Julia advises on all facets of financial services regulation including Consumer Credit and Retail Banking Law, Anti-Money Laundering and Counter-Terrorism Financing Law, Unfair Contract Terms legislation, Payment Systems Regulation, Financial Services Licensing, Australian Consumer Law and Personal Property Securities legislation. Julia’s clients include retail banks, fintechs, payment service providers, credit providers, financial services providers and corporations whose products or services are caught by the regulation described above. The advice Julia provides covers a broad range of areas such as regulatory requirements for entry into the Australian market, development / change to products / features, compliance and governance, and implementation of regulatory reforms. Julia’s role also involves engaging with regulators in respect of licensing, remediation and regulatory reform questions. In addition, Julia has led large regulatory due diligence covering the sale/purchase of regulated assets / shares in regulated companies which involved legal advice on the regulatory issues, project management of various regulatory work streams and engagement with stakeholders internal and external to the firm. 

Julia had extensive involvement in 2 matters that were noted in the 2023 Chambers Legal Directory Financial Services Regulatory submission.


Julia holds a Bachelor of Laws degree (Honours) and a Bachelor of Commerce degree from Monash University. Julia was an articled clerk with Freehills in 2007 and was admitted to practice in 2008.

Experience & expertise

Selected matters

  • advising clients on the regulatory touchpoints for new businesses and new products
  • representing clients in licence applications for credit and financial products, and seeking exemptions and modifications
  • re-writing and updating terms and conditions and loan documentation, including credit card terms and conditions and small business lending documents
  • drafting and negotiating agreements on behalf of ADIs with counterparties such as an aggregator in respect of mortgage broking services and an alliance partner in respect of a credit card program offering
  • advising financial service providers, credit providers, funds and other companies providing ‘designated services’ on Anti-Money Laundering and Counter-Terrorism Financing law, including drafting compliant AML/CTF frameworks as well as liaising with AUSTRAC in respect of instances of non-compliance
  • advising an overseas payment systems provider setting up its operations in Australia, including obtaining an AFSL and on-going financial services laws compliance
  • advising on the establishment of a regulated consumer finance company which provides personal loans
  • advising financial institutions, major corporates and principals under construction contracts on a range of Personal Property Securities Act issues relevant to their organisation
  • providing legal opinions and undertaking legal due diligence on regulatory compliance of regulated businesses in the context of capital raisings and merger & acquisition activities
  • liaising with various regulatory bodies, including ASIC, APRA and AUSTRAC