Natalie Cambrell Principal Solicitor

Natalie Cambrell leads our superannuation and financial services team.  With more than 20 years’ experience, she has an enviable reputation for her in-depth knowledge in these highly regulated and complex practice areas, and for her clear, commercially astute advice.

Natalie’s expertise includes:

  • fund transfers and mergers
  • Australian financial services licensing and disclosure aspects of the Corporations Act 2001
  • all aspects of the Superannuation Industry (Supervision) Act 1993, including RSE Licensing requirements and APRA regulation
  • breach reporting and error remediation
  • fund documentation, such as trust deeds and deed amendments, investment management agreements, outsourcing agreements, trustee appointment and retirement documentation
  • trust law issues, interpretation of fund governing rules and general fund administration issues – including on complex defined benefit matters
  • group insurance arrangements for death and disability benefits
  • member disclosure materials, such as product disclosure statements, annual reports, benefit statements, significant event notices, calculators and retirement forecasts
  • litigation and dispute resolution concerning a broad range of financial services matters (including disablement claims and misleading/deceptive conduct) and complaints before AFCA
  • applications to APRA, ASIC and AUSTRAC for relief from regulatory requirements
  • corporate governance
  • privacy requirements
  • anti-money laundering legislation
  • family law superannuation splitting
  • trustee indemnity insurance matters
  • employee superannuation aspects of corporate mergers and acquisitions, and
  • employer obligations under the Superannuation Guarantee (Administration) Act 1992.

Natalie advises trustees, fund administrators and employers on all aspects of superannuation law.  She advises financial services entities on licensing and disclosure, and on matters relating to managed investment schemes and investments generally.  Her expertise also encompasses anti-money laundering and privacy laws.

With consolidation in the superannuation industry over recent years, Natalie has worked on a large number of successor fund transfers.  Most recently, she concluded work on the successor fund transfer of the VicSuper fund into the First State Super scheme, to form a $120+ billion merged fund. Merging the funds together took many months of legal work involving a wide range of issues. Her deep legal expertise and the commercial approach taken by Natalie and her team assisted the client to complete the merger successfully.

In addition to her law qualifications, Natalie holds an ASFA Diploma of Superannuation Management.  She is the Deputy Chair of the Superannuation Committee of the Law Council of Australia (and Chair of the Consultations and Submissions sub-committee), a member of the Association of Superannuation Funds of Australia and is a past secretary and elected member of the Victorian Division Executive Committee of ASFA.


Natalie has been named “Lawyer of the Year” for superannuation law in the 2017, 2019 and 2021 editions of the Best LawyersTM in Australia, for funds management in 2020, and is currently Lawyer of the Year for investments law (2022).  Her expertise has also been recognised in the corporate governance practice, financial institutions, funds management, investment law and superannuation law categories since 2010.

Natalie is also recognised in prestigious international legal directory, Chambers & Partners, for superannuation law and financial services regulation.

Best Lawyers in Australia - Natalie Cambrell - KHQ Lawyers - Investments Law - 2022 KHQ Lawyers - Best Lawyers 2022

Latest News & Insights

Super Alert – 15 October 2021

Welcome to the latest issue of the KHQ Super Alert. This week, ASIC extended the temporary COVID-19 advice relief for financial advisers and requested relevant entities review their whistleblower policies. APRA released the results of its pilot risk culture survey and indicated that a more comprehensive survey will be rolled out in 2022. APRA – … Read more

Super Alert – 8 October 2021

Welcome to the latest issue of the KHQ Super Alert. ASIC registered a number of instruments in relation to the new design and distribution obligations and director identification number regimes. APRA has also updated its list of frequently asked questions regarding the 2021 MySuper Product Heatmap.  APRA – MySuper Product Heatmap FAQs updated On 6 … Read more

Super Alert – 1 October 2021

Welcome to the latest issue of the KHQ Super Alert which follows a particularly busy week of news. Treasury has released consultations in relation to the new retirement income covenant and the regulations to support the ‘Better Advice’ Bill. APRA provided an update regarding its key priorities for the remainder of 2021 and also released … Read more

Super Alert – 23 September 2021

Welcome to the latest issue of the KHQ Super Alert, issued on Thursday this week because of Victoria’s public holiday tomorrow. APRA released a number of new data reporting standards and announced that the finalised standard and guidance in relation to insurance in superannuation is likely to be released in the coming months. Meanwhile, ASIC … Read more

Super Alert – 17 September 2021

Welcome to the latest issue of the KHQ Super Alert which follows another busy week of news. The ATO was especially busy, providing updated guidance in relation to the tax consequences of trustees receiving compensation and the reporting of successor fund transfers. The Government announced that it is consulting with businesses and individuals in relation … Read more

Super Alert – 10 September 2021

Welcome to the latest issue of the KHQ Super Alert which provides an overview of this week’s superannuation developments. This week, ASIC published its regular enforcement update, as well as guidance in relation to compliance with the new breach reporting obligations. APRA announced that its new data collection solution, APRA Connect will go live next … Read more


Welcome to the latest issue of the KHQ Super Alert which follows another busy week of news. Treasury has released an additional Bill to support the FAR legislation, as well as a consultation on occupational exclusions for insurance associated with MySuper products. APRA’s Your Future, Your Super performance test results for MySuper products were released … Read more

Super Alert – 20 August 2021

Welcome to the latest issue of the KHQ Super Alert. This week APRA outlined its proposed actions in relation to combining the investment performance of multiple products for the upcoming performance tests. ASIC has also registered an instrument which provides a minor exemption to the revised breach reporting regime. APRA – Introduction to new APRA … Read more