Zoe Higgins

LinkedinSpecial Counsel

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.

Admitted to Practice


Key Areas of Expertise

  • Financial services law
  • Consumer credit law
  • Regulatory investigations and remediation programs
  • Financial technology

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)

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

My Thoughts

10 easy steps to draft ‘clear, concise and effective’ Statements of Advice

17 Oct 19

Financial advisers are required to provide Statements of Advice (SOAs) that are “clear, concise and effective”. But what does this actually mean in practice? We share some tips and identify some common mistakes based on…

Top 10 Mistakes Credit Licensees are making – and how to prevent them

We have put together a list of the most common mistakes licensees make that we have seen, and how to avoid them. Although some of these are specific to the credit industry, many of the…

AFCA: A fair worry

08 Oct 19

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…

Proposed Internal Dispute Resolution (IDR) Reporting Requirements

24 Nov 17

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…