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.

“I think what makes her an exceptional lawyer and trusted adviser is her knowledge on superannuation matters and her ability to provide very practical and timely advice. There have been instances where there have been very tight timeframes and she has always delivered advice that hits the mark in a calm and considered way.”
– Chambers & Partners (Asia Pacific, 2022)

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 (in both the superannuation law and financial services regulation categories) and Legal 500 Asia Pacific (in the financial services regulatory category).

Best Lawyers in Australia - Natalie Cambrell - KHQ Lawyers - Investments Law - 2022 KHQ Lawyers - Best Lawyers 2022 KHQ Lawyers - Natalie Cambrell - Chambers & Partners Superannuation and Financial Services Regulation

Latest News & Insights

Super Alert – 17 December 2021

Welcome to the last issue of the KHQ Super Alert for 2021. This week, APRA released its choice and MySuper product heatmaps and ASIC urged trustees who provide default income protection insurance to ensure that they are having a positive effect on member outcomes. The ATO also requested trustees to keep the ATO informed during … Read more

KHQ Super Alert – 10 December 2021

Welcome to the latest issue of the KHQ Super Alert. This week, the Supreme Court of Victoria handed down two decisions relating to trustee remuneration. Also, ASIC launched its new Financial Advice Hub and the Federal Government’s Productivity Commission released its research paper on wealth transfers.  Supreme Court of Victoria – Trustee remuneration On 7 … Read more

Super Alert – 3 December 2021

Welcome to the latest issue of the KHQ Super Alert, which might break records for the most news items we have ever reported on in one week! Among other things, ASIC published an article detailing its 2021-22 priorities in relation to regulating conduct within the superannuation industry and also published guidance and examples in relation … Read more

Super Alert – 26 November 2021

Welcome to the latest issue of the KHQ Super Alert. This week, APRA released a discussion paper on financial resilience, and its Deputy Chair, Helen Rowell, delivered a speech calling for greater innovation to improve post-retirement outcomes. Treasury published a report reviewing AFCA’s effectiveness and also released draft exposure legislation in relation to modernising business … Read more

Super Alert – 19 November 2021

Welcome to the latest issue of the KHQ Super Alert. This week, APRA published its finalised revision of SPS 250 Insurance in Superannuation and SPG 250 Insurance in Superannuation, while ASIC has commenced consultations in relation to consumer remediation and superannuation retirement calculators. The Attorney-General’s Department also issued a media release in relation to the … Read more

Super Alert – 12 November 2021

Welcome to the latest issue of the KHQ Super Alert. This week, regulations to support the portfolio holdings disclosure rules were registered and ASIC published guidance for advisers in relation to records of advice. APRA updated its FAQs in relation to the Superannuation Data Transformation project and also issued a media release encouraging super members … Read more

Super Alert – 29 October 2021

Welcome to the latest issue of the KHQ Super Alert. The news item of note this week is that the much-anticipated Bill to implement the Financial Accountability Regime has been introduced into Parliament. Also, APRA released its initial views in relation to the performance of choice products (ahead of its Choice Product Heatmap) and some … Read more