Zoe Higgins

Senior Associate – Financial Services, Consumer Credit, Regulatory Liaison

Zoe joined the Holley Nethercote Sydney office in July 2016, and has ten years' experience in the areas of financial services law, consumer credit law, alternative dispute resolution and regulatory matters.  Zoe previously led the systemic issue investigation function of the Credit & Investments Ombudsman, and has also held roles at ASIC and with a major financial institution.

At a Glance

Summary My Details
Key areas of expertise:
  • Financial services law
  • Consumer credit law
  • Regulatory investigations and remediation programs
  • Financial technology
Admitted to practice:  2008 
Career achievements: 
  • Leading the systemic issue investigations function of the Credit & Investments Ombudsman, and working with a variety of financial services businesses to improve their practices.  
  • Working in-house for a major financial institution during implementation of the Future of Financial Advice reforms, and assisting a number of large advice licensees with their transition to the new arrangements. 
  • As an ASIC lawyer, providing a key contact point for industry participants who needed guidance or regulatory relief during implementation of the national credit legislation.  
  • Master of Laws
  • Bachelor of Laws
  • Bachelor of Arts (Politics & Public Policy) 
Future aspirations:  Using my financial services background in partnering with Holley Nethercote's Sydney clients to effectively manage the legal and regulatory issues that they face. 
Interests outside of work: 

Spending time with friends and family (often while simultaneously enjoying good food and wine).

Favourite quote:  “If you could kick the person in the pants responsible for most of your trouble, you wouldn't sit for a month.” - Theodore Roosevelt

Most recent blogs written by me

  • Financial Services Law

    AFCA: A fair worry

    Tuesday, 8 October 2019
    When I was in my second or third year of law school, I remember having to read some EDR scheme decisions to answer the following question: “What role do considerations of fairness play in the EDR decision making process?”. In short, my answer was that it was hard to tell. The legal factors were neatly set out, but the discussion on fairness was vague. So how, I wondered, could financial services providers know what to expect?

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  • Financial Services Law

    Proposed Internal Dispute Resolution (IDR) Reporting Requirements

    Friday, 24 November 2017
    Since the Ramsay Review commenced in 2016, there has been significant progress toward a new framework for External Dispute Resolution (EDR) in Australia. The new framework will include the establishment of the Australian Financial Complaints Authority (AFCA), which will become a ‘one stop shop’ for the resolution of financial complaints.

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  • Financial Services Law

    The application of the ASIC Industry Funding Model in the Financial Advice Sector

    Monday, 18 September 2017
    The ASIC industry funding model commenced on 1 July 2017, marking the introduction of a ‘user-pays’ system for ASIC’s supervision of the corporate, financial services markets and consumer credit sector.

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