August 4, 2020

The events so far this year provided shockwaves through the many sectors in our economy. While some businesses struggled to stay afloat, relying on government stimulus to remain solvent, the financial sector was dealing with falling asset prices, cash flow and liquidity concerns, and large fund outflows. Most organisations were almost certainly operating with risk outside their comfort level.


July 25, 2020

All financial institutions regulated by the Australian Prudential Regulation Authority (APRA) are required to have their risk management frameworks reviewed by independent and competent persons on a triennial basis, under the Risk Management Prudential Standards CPS 220 and SPS 220. CPS 220 was extended to the Private Health Insurance (PHI) sector in 2018, as part of the sector’s transition from t...

July 14, 2020

Westpac’s recent win in its ‘wagyu and shiraz’ case against the Australian Securities and Investments Commission (ASIC) makes it timely to revisit the state of play in respect of responsible lending in Australia.

This blog post explores:

* The outcomes and implications of the Westpac responsible lending case that ASIC initiated in 2017;

* The most recent changes to ASIC RG 209 Responsible Lending (RG...

March 22, 2020

It goes without saying that 2020 has taken an unexpected turn for the worse due to Coronavirus disease (COVID-19). Businesses and individuals alike are now presented with all sorts of challenges that could not have been predicted just a few months ago.

COVID-19 first surfaced in Wuhan in the Hubei province of China in December 2019. It has since spread to over 160 countries across the globe, being...

February 29, 2020

Accountability goes to the very heart of organisational culture. Where appropriate consequences are not applied in respect of non-compliance and ethical misconduct, the organisational culture can be expected to further deteriorate and foster poor customer outcomes and risk events with the potential for significant reputational damage. There were many examples of this showcased in the hearings of t...

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November 26, 2019

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Hall Advisory Services Pty. Ltd.

ABN: 63 615 549 909

Natasha Hall

Managing Director

M: +61 435 610 293



A: L27, 101 Collins Street, Melbourne VIC 3000

+61 3 9653 6493


A: L36, Gateway, 1 Macquarie Place, Sydney NSW 2000

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