Charlotte Henry

Charlotte is partner based in our Sydney office. Charlotte is a Financial Services Regulatory partner focusing on banking regulation. Charlotte has over 25 years’ experience in financial services spanning NZ, UK, Europe and now Australia. She assists banks, payment service providers / schemes, fintechs, retail wealth management businesses, retail brokerage businesses, distribution platforms and non-bank lenders, on complex issues relating to market entrance and cross border sales, development of new products / services, strategic direction, good governance, managing legal, regulatory and operational risks, advising on conduct, compliance and risk governance, implementing regulatory change and other transformational projects, digitisation, integration projects, relationships with regulators (in particular APRA, ASIC and AUSTRAC), handling AFCA complaints and remediation programmes. In addition, Charlotte assists those who invest into the sector, project managing due diligence, regulatory compliance reviews and obtaining regulator consent. Charlotte’s knowledge is in Financial Crime, Consumer Credit, Prudential Standards and APRA requirements, Bank Governance Regulation including FAR and Banking Act, financial services laws including the Corporations Act (including product governance/DDO), Digital Asset financial services laws, Payments laws, Fintech and crypto laws, Unfair Contract Terms and ASIC requirements (including under the ASIC Act), Advertising laws, licensing laws and process (including bank licensing), approvals for changes of control in regulated entities and using the FSTRA for migration and integration projects.