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Sophie Grace Compliance & Legal Specialists

Sophie Grace is a leading Australian firm providing compliance and legal services for participants within the financial services and credit industries. We service both Australian and international clients across the financial sector. Being independently owned and managed, we ensure our clients receive efficient and practical compliance and legal solutions to suit their businesses.

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AFSL

AFS Licences

Sophie Grace assists a variety of businesses on a daily basis with all stages of obtaining an AFSL. We provide two standard service offerings and can create a package to best suit your business’ needs:

  1. Full Service AFSL Application;
  2. Templates for your AFSL Application; and
  3. Review of your AFSL Application.

Sophie Grace works with numerous businesses across the financial services industry.

Read more about the AFSL application process, requirements and how we can assist you.

ACL

Australian Credit Licences

Sophie Grace is equipped to assist your business engaged in credit activities to meet its obligations under the national consumer credit laws. 

We provide two standard service offerings and can create a package to best suit your business’ needs:

  1. Full Service ACL Application;
  2. Templates for your ACL Application; and
  3. Review of your ACL Application.

Read more about the ACL application process, requirements and how we can assist you.

AML

AML/CTF

The AML/CTF Act imposes a risk-based approach to counter money laundering. The obligations under the AML/CTF Act are imposed on a wide range of financial services and credit organisations.

Sophie Grace can provide you with an AML/CTF Program tailored to your business to ensure that you continue to comply with the obligations under the AML/CTF Act and AML/CTF Rules.

Sophie Grace will work with your business to achieve overall AML/CTF compliance. Read more about how we can assist you.

Compliance

Compliance

Sophie Grace can provide tailored compliance solutions that are efficient and practical. These systems will be designed to ensure your business is constantly achieving the most strategic and efficient operational standards. Sophie Grace is committed to helping you comply with all laws, codes of practice and regulations which apply to your business.

Sophie Grace can provide compliance systems to comfort and satisfy management, shareholders and suppliers that action has been taken to limit business risk and exposure.

Read more about the increasing need for compliance.

Legal

Legal

Sophie Grace offers legal solutions for your business. We can help you deal with financial services and corporate law issues, provide effective advice as well as prepare and review relevant legal documentation.

Sophie Grace has valuable experience which can assist you in relation to the following aspects:

Read more about our legal services and how we can assist your business.

AFS Licences

Sophie Grace assists a variety of businesses on a daily basis with all stages of obtaining an AFSL. We provide two standard service offerings and can create a package to best suit your business’ needs:

  1. Full Service AFSL Application;
  2. Templates for your AFSL Application; and
  3. Review of your AFSL Application.

Sophie Grace works with numerous businesses across the financial services industry.

Read more about the AFSL application process, requirements and how we can assist you.

Australian Credit Licences

Sophie Grace is equipped to assist your business engaged in credit activities to meet its obligations under the national consumer credit laws. 

We provide two standard service offerings and can create a package to best suit your business’ needs:

  1. Full Service ACL Application;
  2. Templates for your ACL Application; and
  3. Review of your ACL Application.

Read more about the ACL application process, requirements and how we can assist you.

AML/CTF

The AML/CTF Act imposes a risk-based approach to counter money laundering. The obligations under the AML/CTF Act are imposed on a wide range of financial services and credit organisations.

Sophie Grace can provide you with an AML/CTF Program tailored to your business to ensure that you continue to comply with the obligations under the AML/CTF Act and AML/CTF Rules.

Sophie Grace will work with your business to achieve overall AML/CTF compliance. Read more about how we can assist you.

Compliance

Sophie Grace can provide tailored compliance solutions that are efficient and practical. These systems will be designed to ensure your business is constantly achieving the most strategic and efficient operational standards. Sophie Grace is committed to helping you comply with all laws, codes of practice and regulations which apply to your business.

Sophie Grace can provide compliance systems to comfort and satisfy management, shareholders and suppliers that action has been taken to limit business risk and exposure.

Read more about the increasing need for compliance.

WHAT WE DO

Services

AFS Licence Applications

Sophie Grace can assist you with all stages of obtaining an Australian Financial Services Licence (AFSL). 

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AFS Compliance Services

Sophie Grace provides important services to your business to meet the regulatory requirements.

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Australian Credit Licences

Sophie Grace is equipped to help your business engaged in credit activities.

Read More →

AML/CTF

Sophie Grace has real experience with AML/CTF requirements in Australia.

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Legal Services

Sophie Grace offers legal solutions for your business needs.

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Regulatory Updates

Sign up to the Sophie Grace Newsletter for all the latest updates.

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Sign Up For Our Free Compliance and Regulatory Newsletter

As a subscriber to our newsletter, you’ll receive updates on regulatory changes and issues which affect the financial services and credit industries. We will provide you with information that is current, insightful and relevant.

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about us

Sophie Grace Team

SOPHIE GERBER

Director (Legal and Compliance)

Sophie is the director of both Sophie Grace Legal Pty Ltd and Sophie Grace Pty Ltd. Sophie meets with clients to help them understand their compliance and legal requirements. She works with them to tailor appropriate solutions for their business.

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QUYNH TRUONG

Head of Compliance

Quynh works with the Compliance Team and Legal Team with a focus on compliance and legal services. Quynh assists clients with AFSL and ACL applications, variations and assists in the implementation of compliance reviews.

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SARAH MURRAY

Head of Licensing

Sarah works with the Compliance Team with a particular focus on AFSL and ACL applications as well as ongoing compliance services. Sarah also works with the Legal Team providing ongoing assistance in drafting and reviewing documentation.

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MELODY GAO

Senior Lawyer

Melody assists in preparing, reviewing and negotiating legal documentation for participants in the financial services industry. Melody also assists with developing, reviewing and amending compliance documentation.

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AMANDA CHRISTIE

Lawyer

Amanda works with the Compliance and Legal Team with a focus on compliance and legal services. Amanda assists with document preparation for participants in the financial services industry and with conducting legal research.

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SAVANNAH BLACK

Graduate Marketing and Administrative Officer

Savannah assists with marketing and general administrative activities for Sophie Grace. She is often the initial point of contact for Sophie Grace clients and ensures all clients are provided with the necessary support.

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ALICIA PEVELY

Manager (Licensing and Compliance)​

Alicia works with the Compliance Team and Legal Team with a focus on compliance and legal services. Alicia assists clients with AFSL and ACL applications, variations and assists in the implementation of compliance reviews.

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IVANA JOSIC

Marketing Manager and Compliance Assistant​

Ivana is responsible for all Marketing activities for Sophie Grace. She focuses on website development and manages the Sophie Grace blog page, newsletter and social media pages.

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News & Updates

From the Blog

AUSTRAC has Now Opened the Portal for Lodgement of the Annual AUSTRAC AML/CTF Compliance Report

Posted on January 6th, 2020 by

AUSTRAC’s online portal through which you can lodge your annual AML/CTF Compliance Report is now open. Reporting Entities have until the 31 March 2020 to submit their annual Compliance Report s...

One year to go: the End of Grandfathered Conflicted Remuneration is on its Way

Posted on January 6th, 2020 by

Fee and Cost Disclosure Requirements – Your Obligations, Changes to Regulatory Guide 97 and ASIC’s Market Findings

Posted on December 30th, 2019 by

All AFCA Members Must Review Complaints Statistics by 31 January as AFCA Launches the Datacube

Posted on December 30th, 2019 by

Act Now! Updated Financial Adviser Details Need to be Provided to ASIC by 1 January 2020

Posted on December 30th, 2019 by

An Update – ASIC’s Licensing Powers Strengthened

Posted on December 30th, 2019 by

Tailored Compliance and Legal Services

Sophie Grace provides compliance and legal services for participants in the financial services and credit industries. We service both Australian and international clients across the financial sector. Contact us today for further information on how we can assist you.

CONTACT US
Know More

Information

Sophie Grace assists a variety of businesses on a daily basis with all stages of obtaining an Australian Financial Services Licence (AFSL). We provide three standard service offerings and can create a package to best suit your business’ needs.

  1. Full Service AFSL Application;
  2. Templates for your AFSL Application; and
  3. Review of your AFSL Application.

Sophie Grace works with numerous businesses across the financial services industry. Some examples include the following:

The basic steps you need to follow when obtaining an AFSL are:

  1. Determine the authorisations needed to operate your business;
  2. Choose your Responsible Manager(s);
  3. Draft the Application Documents for ASIC;
  4. Prepare a Compliance Program; and
  5. Organise Ongoing Compliance Support.

Read more about the AFSL application process and requirements.

Sophie Grace is able to provide ongoing compliance solutions and assist with external compliance reviews in order to ensure AFSL holders are complying with the relevant legislative and regulatory requirements of being a licensee.

If you would like to obtain further information or assistance regarding an AFSL, please contact Sophie Grace directly.

Sophie Grace is equipped to assist your business engaged in credit activities to meet its obligations under the national consumer credit laws. Businesses engaging in the following credit activities are required to hold an Australian Credit Licence (ACL):

  • Credit Providers (Lenders and Lessors);
  • Finance Brokers;
  • Mortgage Managers or Aggregators; and
  • Other credit intermediaries.

We provide three standard service offerings and can create a package to best suit your business’ needs:

  1. Full Service ACL Application;
  2. Templates for your ACL Application; and
  3. Review of your ACL Application.

The basic steps you need to follow when obtaining an ACL are:

  1. Determine the authorisations needed to operate your business;
  2. Choose your Responsible Manager(s);
  3. Draft the Application Documents for ASIC;
  4. Prepare a Compliance Program; and
  5. Organise Ongoing Compliance Support.

Read more about the ACL application process and requirements.

Sophie Grace is able to provide ongoing compliance solutions and assist with external compliance reviews in order to ensure ACL holders are complying with the relevant legislative and regulatory requirements of being a licensee.

If you would like to obtain further information or assistance regarding an ACL, please contact Sophie Grace directly.

The Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) Act 2006 imposes a risk based approach to mitigating the risk of money laundering and terrorism financing. The obligations under the AML/CTF Act are imposed on a wide range of financial services and credit organisations including but not limited to:

The AML/CTF Act requires AUSTRAC Reporting Entities to adopt and maintain an AML/CTF Program. AML/CTF Programs must comply with and address the obligations imposed by the Act and Rules.

Sophie Grace can assist in developing a suitable AML/CTF Program to ensure that you continue to comply with the obligations under the AML/CTF Act and Rules. We provide three standard service offerings including:

  1. Tailored AML/CTF Programs;
  2. Template AML/CTF Programs; and
  3. Review of your existing AML/CTF Program.

Sophie Grace has real and extensive legal and compliance experience with AML/CTF regulation in Australia. With skills in AML/CTF, risk identification and compliance framework design, clients are given confidence that their AML/CTF needs are not only met but are effective and efficient.

Sophie Grace will work with your business to achieve AML/CTF compliance.

For more information on AML/CTF in Australia, please contact Sophie Grace directly.

Sophie Grace can provide tailored compliance solutions to your business that are efficient and practical. These systems will be designed to ensure your business is constantly achieving the most strategic and efficient operational standards. Sophie Grace is committed to helping you comply with all laws, codes of practice and regulations which apply to your business.

Sophie Grace can provide compliance systems to comfort and satisfy management, shareholders and suppliers that action has been taken to limit business risk and exposure.

Compliance obligations must be constantly satisfied, whether on a monthly, quarterly or yearly basis and can involve, but is not limited to:

  • Regular review and update of policies and registers;
  • Preparation of regular compliance reporting to Compliance Committee or Board;
  • Creation of a compliance calendar to evenly distribute the compliance workload and make it easier to meet obligations;
  • Lodging reports to regulators as required;
  • Responding to compliance queries; and
  • Provision of compliance training to employees, including testing if required.

Sophie Grace can provide ongoing compliance services to your business to ensure that the regulatory requirements for your Licence are met.

If you would like to obtain further information or assistance, please contact Sophie Grace directly.

Managing a company in Australia can be confusing and time-consuming as there are a myriad of laws governing the conduct of business in Australia. Sophie Grace offers legal solutions for your business to assist with this. We can help you deal with financial services and corporate law issues, provide effective advice as well as prepare and review relevant legal documentation.  

Sophie Grace has valuable experience which can assist you in relation to the following aspects:

Sophie Grace has also developed a Fintech Regulation Hub which provides information in relation to the following:

  1. Buy Now, Pay Later Services;
  2. Robo Advice;
  3. Bitcoin;
  4. Blockchain;
  5. Crowd Sourced Funding;
  6. Market Place (P2P) Lending; and
  7. Payment Platforms.

Sophie Grace is equipped to assist Fintech businesses establish where they fit within the regulatory network and deal with the relevant regulators.

The Sophie Grace Legal team can also assist you with Starting up your Business and has developed a Business Guide to assist you throughout the entire process.

We can advise and assist you on:

If you would like to obtain further information or assistance, please contact Sophie Grace directly.

Sophie Grace offers a number of solutions to simplify the process of starting your company. We have developed a variety of packages and can offer additional services to assist you in establishing and setting up your company in Australia.

Sophie Grace can provide the following additional services and add-ons to basic company establishment:

  • Business Name Registration;
  • ABN Registration;
  • Registered Agent Services;
  • Registered Office Services;
  • Director and Secretary Services;
  • Choice of banks;
  • Opening of a Multi-Currency Bank Account;
  • Domain Name and Website Registration including Email Service Set Up;
  • Online Accounting Software Set up for ATO BAS reporting; and
  • Legal Documentation (e.g. Shareholder Agreements, Leases, Contractor Agreements, Employment Contracts).

Sophie Grace offers the following Company Establishment Packages:

  • Australian Company Registration Only;
  • Basic Package;
  • Standard Package;
  • Premium Package.

You can commence the process in registering your new company online or contact us directly for further information or to customise a package for you. Make sure you visit our frequently asked questions page before getting started.

AFS Licences

Sophie Grace assists a variety of businesses on a daily basis with all stages of obtaining an Australian Financial Services Licence (AFSL). We provide three standard service offerings and can create a package to best suit your business’ needs.

  1. Full Service AFSL Application;
  2. Templates for your AFSL Application; and
  3. Review of your AFSL Application.

Sophie Grace works with numerous businesses across the financial services industry. Some examples include the following:

The basic steps you need to follow when obtaining an AFSL are:

  1. Determine the authorisations needed to operate your business;
  2. Choose your Responsible Manager(s);
  3. Draft the Application Documents for ASIC;
  4. Prepare a Compliance Program; and
  5. Organise Ongoing Compliance Support.

Read more about the AFSL application process and requirements.

Sophie Grace is able to provide ongoing compliance solutions and assist with external compliance reviews in order to ensure AFSL holders are complying with the relevant legislative and regulatory requirements of being a licensee.

If you would like to obtain further information or assistance regarding an AFSL, please contact Sophie Grace directly.

Australian Credit Licences

Sophie Grace is equipped to assist your business engaged in credit activities to meet its obligations under the national consumer credit laws. Businesses engaging in the following credit activities are required to hold an Australian Credit Licence (ACL):

  • Credit Providers (Lenders and Lessors);
  • Finance Brokers;
  • Mortgage Managers or Aggregators; and
  • Other credit intermediaries.

We provide three standard service offerings and can create a package to best suit your business’ needs:

  1. Full Service ACL Application;
  2. Templates for your ACL Application; and
  3. Review of your ACL Application.

The basic steps you need to follow when obtaining an ACL are:

  1. Determine the authorisations needed to operate your business;
  2. Choose your Responsible Manager(s);
  3. Draft the Application Documents for ASIC;
  4. Prepare a Compliance Program; and
  5. Organise Ongoing Compliance Support.

Read more about the ACL application process and requirements.

Sophie Grace is able to provide ongoing compliance solutions and assist with external compliance reviews in order to ensure ACL holders are complying with the relevant legislative and regulatory requirements of being a licensee.

If you would like to obtain further information or assistance regarding an ACL, please contact Sophie Grace directly.

AML/CTF

The Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) Act 2006 imposes a risk based approach to mitigating the risk of money laundering and terrorism financing. The obligations under the AML/CTF Act are imposed on a wide range of financial services and credit organisations including but not limited to:

The AML/CTF Act requires AUSTRAC Reporting Entities to adopt and maintain an AML/CTF Program. AML/CTF Programs must comply with and address the obligations imposed by the Act and Rules.

Sophie Grace can assist in developing a suitable AML/CTF Program to ensure that you continue to comply with the obligations under the AML/CTF Act and Rules. We provide three standard service offerings including:

  1. Tailored AML/CTF Programs;
  2. Template AML/CTF Programs; and
  3. Review of your existing AML/CTF Program.

Sophie Grace has real and extensive legal and compliance experience with AML/CTF regulation in Australia. With skills in AML/CTF, risk identification and compliance framework design, clients are given confidence that their AML/CTF needs are not only met but are effective and efficient.

Sophie Grace will work with your business to achieve AML/CTF compliance.

For more information on AML/CTF in Australia, please contact Sophie Grace directly.

Compliance

Sophie Grace can provide tailored compliance solutions to your business that are efficient and practical. These systems will be designed to ensure your business is constantly achieving the most strategic and efficient operational standards. Sophie Grace is committed to helping you comply with all laws, codes of practice and regulations which apply to your business.

Sophie Grace can provide compliance systems to comfort and satisfy management, shareholders and suppliers that action has been taken to limit business risk and exposure.

Compliance obligations must be constantly satisfied, whether on a monthly, quarterly or yearly basis and can involve, but is not limited to:

  • Regular review and update of policies and registers;
  • Preparation of regular compliance reporting to Compliance Committee or Board;
  • Creation of a compliance calendar to evenly distribute the compliance workload and make it easier to meet obligations;
  • Lodging reports to regulators as required;
  • Responding to compliance queries; and
  • Provision of compliance training to employees, including testing if required.

Sophie Grace can provide ongoing compliance services to your business to ensure that the regulatory requirements for your Licence are met.

If you would like to obtain further information or assistance, please contact Sophie Grace directly.

Legal

Managing a company in Australia can be confusing and time-consuming as there are a myriad of laws governing the conduct of business in Australia. Sophie Grace offers legal solutions for your business to assist with this. We can help you deal with financial services and corporate law issues, provide effective advice as well as prepare and review relevant legal documentation.  

Sophie Grace has valuable experience which can assist you in relation to the following aspects:

Sophie Grace has also developed a Fintech Regulation Hub which provides information in relation to the following:

  1. Buy Now, Pay Later Services;
  2. Robo Advice;
  3. Bitcoin;
  4. Blockchain;
  5. Crowd Sourced Funding;
  6. Market Place (P2P) Lending; and
  7. Payment Platforms.

Sophie Grace is equipped to assist Fintech businesses establish where they fit within the regulatory network and deal with the relevant regulators.

The Sophie Grace Legal team can also assist you with Starting up your Business and has developed a Business Guide to assist you throughout the entire process.

We can advise and assist you on:

If you would like to obtain further information or assistance, please contact Sophie Grace directly.

Company Establishment

Sophie Grace offers a number of solutions to simplify the process of starting your company. We have developed a variety of packages and can offer additional services to assist you in establishing and setting up your company in Australia.

Sophie Grace can provide the following additional services and add-ons to basic company establishment:

  • Business Name Registration;
  • ABN Registration;
  • Registered Agent Services;
  • Registered Office Services;
  • Director and Secretary Services;
  • Choice of banks;
  • Opening of a Multi-Currency Bank Account;
  • Domain Name and Website Registration including Email Service Set Up;
  • Online Accounting Software Set up for ATO BAS reporting; and
  • Legal Documentation (e.g. Shareholder Agreements, Leases, Contractor Agreements, Employment Contracts).

Sophie Grace offers the following Company Establishment Packages:

  • Australian Company Registration Only;
  • Basic Package;
  • Standard Package;
  • Premium Package.

You can commence the process in registering your new company online or contact us directly for further information or to customise a package for you. Make sure you visit our frequently asked questions page before getting started.