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 – 23 July 2021

Welcome to the latest issue of the KHQ Super Alert. It was a week of new consultations announced, with five different consultation projects being commenced by ASIC and Treasury. This included the draft Financial Accountability regime legislation, a position paper on the retirement income covenant and guidance on financial product anti-hawking.   ASIC – Draft … Read more

Super Alert – 16 July 2021

Welcome to the latest issue of the KHQ Super Alert. The ATO has released additional information in relation to the administration of the ‘More Flexible Superannuation’ changes. The Government has also announced that insurance sold within superannuation will be exempt from the deferred sales model for add-on insurance. Parliament – Regulations to exempt insurance in … Read more

Super Alert – 18 June 2021

Welcome to the latest issue of the KHQ Super Alert. Several superannuation Bills have been passed this week including the significant Your Future, Your Super reforms. Parliament has also amended the ‘bring forward’ rules for non-concessional contributions, set the new interest rate for family law splits and made changes to the AML/CTF Rules. Parliament – … Read more

Super Alert – 11 June 2021

Welcome to the latest issue of the KHQ Super Alert. This week the ATO released an updated ‘roadmap’ of changes to come for the superannuation industry, and information for trustees about its ‘Super Enquiry Service’. APRA also published further guidance for trustees to get ready for APRA Connect.  ATO – Updated industry changes roadmap On … Read more

Super Alert – 28 May 2021

Welcome to the latest issue of the KHQ Super Alert. Amendments were proposed this week to the Your Future, Your Super Bill which is currently before Parliament. APRA has released the latest statistics for the superannuation industry and Treasury is requesting feedback in relation to proposed changes to the calculation of exempt current pension income. … Read more