Andy Schmulow

Andy has been admitted to the degrees BA Honours LLB (Witwatersrand), GDLP (cum laude) (ANU), and PhD (Melbourne). He is an Advocate of the High Court of South Africa, and admitted by the Supreme Court of Victoria as an Australian Legal Practitioner. In 2014 he founded Clarity Prudential Regulatory Consulting, Pty Ltd.
He holds visiting appointments at universities in South Africa and South Korea, invited to give key-note addresses at conferences the world over, including to the South African Reserve Bank, South African National Treasury, European Central Bank, EU Single Resolution Authority, the Portuguese Ministry of Finance, and the World Bank. His research has been cited by central banks such as the Bank of China and the Bank of Portugal. He has been an invited guest lecturer in the Program on International Financial Systems in the Harvard Law School, where he was designated as an internationally acknowledged expert in financial regulatory architecture. He provides ad hoc advice to Members of Australia's Federal Parliament; the Australian Securities and Investments Commission (ASIC); and has been invited to make submissions to various Federal Parliamentary Inquiries and to the 2018/2019 Australian Banking Royal Commission (FSRC). That advice was subsequently reflected in a formal recommendation from the FSRC (Recommendation 6.14, establishment of a Regulatory Board of Oversight). That recommendation will be reflected in a Federal Bill, to be released for comment by June 2020.
Andy has provided advice to the South African Treasury on their adoption of the Twin Peaks financial regulatory model, and currently serves on an independent expert panel convened by the South African Treasury to provide advice on the Conduct of Financial Institutions (COFI) Bill. He engages in extensive consultancy work to the South African financial industry, and is extensively published in some of the worlds leading law journals on financial regulation, regulating to prevent financial crises, and protection of consumers of financial products and services. He has an extensive media profile in Australia, including in some of Australia's most prominent press, in which he has consistently advocated for a Royal Commission of Inquiry into misconduct in the Australian financial sector.
He enjoys an extensive array of collaborative networks with some of the worlds leading thinkers in the field of financial system regulation.