Andrew Ham
Partner
Banking & Finance
Andrew is a financial services lawyer with over thirty years local and international experience. Known for providing expert, prompt, practical approach, Andrew has a unique insight into client needs and gets to the point with clear, practical solutions to legal and compliance problems.
Andrew is an acknowledged expert in the commercial and regulatory issues arising in the financial services industry, including financial services and consumer credit licensing and conduct obligations, anti-money laundering, privacy and personal property securities. Andrew advises major mutual banks and non-bank lenders including motor vehicle finance and buy-now-pay-later providers. His expertise is based on many years’ experience at major US and Australian law firms, as an in-house lawyer and in senior compliance roles at some of Australia’s leading banks and insurers, as well as in smaller businesses.
Andrew is a sought-after speaker and an expert contributor to the Lexis Nexis Regulatory Compliance service. Andrew is has appeared as a witness at Senate inquiries into financial crime law reform initiatives in his capacity as a member of the Financial Services Committee of the Law Council.
Legal area of expertise
- Anti-Money Laundering/Counter-Terrorism Financing (AML/CTF) and Financial Crime
- Banking and Consumer Credit licensing and regulation
- Consumer protection
- Australian Financial Services licensing and regulation (including design & distribution obligations)
- Privacy
- Secured and unsecured lending
Andrew can assist in these areas with:
- Regulatory advice and consumer product disclosure and contractual documentation
- Compliance Programs and advice, license reviews
- ASIC and AUSTRAC regulatory liaison, including breach reporting and responding to regulatory notices or enforcement action
- Financial Services (AFSL) or Consumer Credit (ACL) licensing and compliance support
- Assistance with complaint handling, breach remediation, website and marketing material compliance reviews
- Drafting and negotiating commercial agreements
- AML/CTF advice, policies and programs, including risk assessments, independent evaluations and reviews
- Privacy Policies and advice, data breach reporting and remediation
Extra work / interests
- Member, Law Institute of Victoria
- Deputy-Chair, Financial Services Committee of the Law Council of Australia
- Chair, Australian Compliance Institute Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) discussion group.
- Andrew is a member of the Melbourne Symphony Orchestra Chorus.
0423 092 020
andrewh@danahermoulton.com.auQualifications
- Bachelor of Commerce (Hons)
- Bachelor of Laws (Hons)
- Master of Laws (Hons)
