Tony is known by his clients for his ability to interpret and provide practical applications of anti-money laundering and counter terrorism financing laws, laws regulating the provision of credit to consumers, and rules governing the offer of banking products such as deposit accounts and foreign exchange services. Where relevant, this includes the design of methods and processes for ensuring the creation and perfection of effective security interests for the purposes of personal property securities laws. Many clients call on Tony to advise on issues and transactions relating to participation in payment systems.

Career highlights

• On many occasions, carrying out an assignment for a client to scope non-compliance with AML/CTF laws, work with risk consultants to redesign a remediation program, and engage with AUSTRAC in relation to the remediation.
• Working with a client through the 17-year life of a co-branded credit card program from negotiation and creation through to unwinding of the relationship.
• Drafting the governance documents for a real-time "any account to any account" cross border payments system for customers of participating banks.
• Completing an unfair contract terms review and revision of all consumer and small business contracts for a large ADI.
• Acting as external counsel on the design and adoption of a responsible lending program of a 'Big 4' bank.
• Working as external counsel to redesign all of the processes and systems of the business bank of a 'Big 4' bank to address the requirements of the Personal Property Securities Act.
• Supporting a client in proceedings for breach alleged by ASIC in relation to the unfair contract terms regime.
• Assisting from the ground up with all legal aspects of the establishment of a highly successful non-bank lender offering regulated consumer loans.