Jesse Vermiglio


Jesse has extensive experience in financial services law, consumer credit law, commercial law and commercial litigation, having held senior legal roles at ASIC, worked in the Victorian government and in private practice over the past 20 years.  Jesse became a Partner of the firm in October 2017.

Admitted to Practice


Key Areas of Expertise

  • Consumer Credit Law
  • Financial Services Law
  • Commercial Law
  • Commercial Litigation
  • Regulatory Liaison

Career Achievements

  • Jesse was Head of Legal Services for a compliance and enforcement team within ASIC responsible for a team of lawyers that provided advice on ASIC compliance activity, investigations and conducted litigation.
  • Jesse was the Senior Lawyer in ASIC’s Credit Team responsible for the implementation of the national consumer credit reforms. During this period, Jesse was seconded to the Department of Treasury to assist in the development of the national consumer credit regime.
  • While at the Victorian Department of Justice, Jesse was appointed to the Australian Attorney General’s expert consultative committee on Personal Property Securities Reform.


  • Master of Laws (University of Melbourne)
  • Bachelor of Laws (University of Melbourne)
  • Bachelor of Commerce (University of Melbourne)

Favourite Quote

“After all, you only find out who is swimming naked when the tide goes out.” Warren Buffett

My Thoughts

Breach reporting for credit licensees: are you ready to dob yourself in?

03 Sep 2021

  October 2021 sees the commencement of many new regulatory reforms for Australian Credit Licence (ACL) holders.  One of the reforms that will have greatest impact will be the new breach reporting requirements. Many of…

Does your Organisation have a strong enough “Customer Voice”?

30 Sep 2020

You’ve no doubt heard it on multiple occasions, we live in extraordinary times.  Like so many other industries, the COVID-19 pandemic has brought significant challenges for financial services businesses.  This has included servicing clients who…

Responsible Lending Obligations to be Scrapped!

25 Sep 2020

  The Government has this morning announced major reforms to the National Consumer Credit regime including the scrapping of Responsible Lending Obligations (RLOs).  Below is short summary of the key proposals from the Treasurer’s media…

Are you ‘fit and proper’ or only of ‘good fame and character’?

30 Jun 2020

In March 2020, the requirements for obtaining and maintaining an Australian Financial Services Licence (AFSL) were amended by the Financial Sector Reform (Hayne Royal Commission Response—Stronger Regulators (2019 Measures)) Act 2020. While the changes appear…

Federal Court dismisses ASIC’s test case against Westpac on Responsible Lending

08 Nov 2019

In early August 2019, Justice Perram of the Federal Court dealt ASIC a significant blow by dismissing its case that Westpac had breached responsible lending laws. In some ways, the decision was not a surprise.…

It’s time to dust off your conflicts of interest policy

27 Jun 2018

  Earlier this year, ASIC launched a crusade against poor financial advice.  ASIC looked at how some of Australia’s larger banking and financial services institutions dealt with conflict of interest between selling their in-house products…