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Adjunct Professor Rosamund Grady

Profile

Degrees and Qualifications

  • LLB Adelaide
  • BEc ANU
  • MPubAdmin Harvard


Country Experience

  • Maldives
  • Malawi
  • Australia
  • Singapore
  • Indonesia
  • South Korea
  • Hong Kong
  • Taiwan
  • United States of America


Professional Experience: International Legal Consultant (Current)

Ros is currently working as an international legal consultant on financial services and markets in developing countries. Clients include the World Bank (the Consultative Group to Assist the Poor (CGAP) and the Global Program on Consumer Protection and Financial Literacy), the United Nations Development Program and Accion International.


Brief Biographical Details

Ros Grady is an international lawyer with over twenty - nine years private and public sector experience in the review, design and drafting of business laws and regulations, development of explanatory materials and training seminars, the design of financial products and services, and the management of related private sector implementation projects and commercial transactions. This experience relates to the wide variety of finance sector law areas described in the attached resume.

Ros’ professional experience has been gained as a banking and finance regulatory partner at the pre-eminent, award winning, international commercial law firm Mallesons Stephen Jaques (Mallesons), as a commercial law policy specialist with the Australian Government and more recently as an independent senior legal consultant in developing countries. Mallesons has around 180 partners and 800 lawyers and offices in multiple Australian and international jurisdictions: http://www.mallesons.com. Mallesons has an annual turnover of around A$500 million.

Ros also has significant senior management experience as a result of the position she held as Partner in Charge of the Melbourne office of Mallesons Stephen Jaques (the firm’s second largest with around 55 partners and 500 legal and support staff). Ros has also held various other senior management and community positions.

Ros has qualifications in law and economics, as well as a recently acquired Master of Public Administration degree from Harvard University where she focussed on international financial markets and development (including financial sector regulation and microfinance). Ros has also recently completed intensive training in microfinance policy and regulatory issues at the Boulder Microfinance Training Programme held in Turin, Italy in 2010. She has also recently been appointed as an Adjunct Professor of Law by Sydney University, Australia where she will be teaching a course entitled “Credit: Global and Local”.

Ros has worked in a range of countries and for a wide range of global clients, including on a number of matters that relate to global law reform efforts. Her private sector clients included General Electric, HBOS, Standard & Poors, Citigroup, Saxo Bank, Australia Post and the National Australia Bank and her consultancy clients include the United Nations Development Program, the World Bank, the Consultative Group to Assist the Poor (CGAP) and Accion International.

In summary, Ros is a highly experienced public and private sector lawyer who has extensive knowledge of finance sector laws and regulations, with a particular emphasis on those related to issues affecting consumers of financial services. She also has wide experience in related law reform projects and a deep understanding of private sector needs and concerns.

Publications

Books & Book Chapter | Conference Papers (all invited and plenary sessions) | Conference Workshop Papers (all invited) | Professional Practice Publications


Books & Book Chapters

  • Grady, Ros, and Andrea Beatty. Anti-Money Laundering and Counter-Terrorism Financing Thomson Law Book Co. 2007
  • Grady, Ros and Sandra Zivcic, Chapter 2 - Australia in Gwendoline Griffiths, ed. Neate: Bank Confidentiality, Fourth Edition, West Sussex: Tottel, 2006, 13-61
  • Grady, Ros and Mei-lin Loh. Code of Banking Practice Australian Consumer Credit Law (annotated loose leaf service), LexisNexis, 2004
  • Grady, Ros and Frances Russell-Matthews, (Chapter 2 - Australia) in Gwendoline Griffiths, ed. Neate: Bank Confidentiality, Third Edition. Chatswood: LexisNexis, 2003, 11-71
  • Forrest, Katherine, Andrea Beatty and Ros Grady, Chapter 4 - Product Regulation in Australian Finance Law, Fifth Edition. Sydney: Lawbook Co., 2002, 96-125
  • Grady, Ros. The New Consumer Credit Code Regulations (annotated loose leaf service) Chatswood: Butterworths, 1996
  • Willis, Peter, Ros Grady and Peter Davey, Chapter 3 – Australia, in Richard Parlour, Butterworths International Guide to Money Laundering: Law and Practice Chatswood: Butterworths, 1995


Conference Papers (all invited and plenary sessions)

  • Grady, Ros “Financial Services Reform Controversies” The Financial Services Regulation Summit, 29 October 2008
  • Grady, Ros., and Andrea Beatty. “Regulatory Round-Up 2007.” 17th Annual LexisNexis Credit Law Conference, 20 September 2007
  • Grady, Ros. “AML Act - ‘What’s the worst that could happen?’ - Reputation risks and losses - Lessons from the UK and US experiences.” Marcus Evans Anti-Money Laundering Conference, 6 March 2007
  • Grady, Ros. “AML/CTF Act and Rules.” Presentation to Leo Cussen Institute, 20 February 2007
  • Beatty, Andrea., and Ros Grady. “Regulatory Round-Up - Past, Present and Future.” 16th Annual LexisNexis Credit Law Conference, 27 September 2006
  • Grady, Ros. “The Anti-Money Laundering and Counter-Terrorism Financing Bill.” LIV Commercial Law Conference, 8 September 2006
  • Grady, Ros. “Assembling the Facts on the Anti-Money Laundering and Counter-Terrorism Financing Bill.” Law & Finance - 5th Annual Corporate Counsel Summit, 19 April 2006
  • Grady, Ros. “Financial Services Seminar - Anti-Money Laundering.” Law Council of Australia - Business Law Section Law Institute of Victoria, 8 December 2005
  • Grady, Ros., and Kate Jackson. “Anti-Money Laundering and Telstra.” Law and Finance 2nd Financial Services Compliance Conference, 30 November 2005
  • Beatty, Andrea., and Ros Grady. “Regulatory round-up: examining AML and other key developments in consumer credit.” 15th Annual LexisNexis Credit Law Conference Regulatory Round-Up, 28 September 2005
  • Forrest, Katherine., and Ros Grady. “Australia’s proposed Anti-Money Laundering laws - a practical guide.” ACLA Anti Money Laundering seminar, 10 August 2005
  • Grady, Ros., and Andrea Beatty. “Approaching your AML compliance project.” Australian Bankers’ Association Anti-Money Laundering Forum, 5 July 2005
  • Grady, Ros. “Overcoming challenges emerging from the new Code of Banking Practice.” 15th Annual Credit Law Conference, 29 September 2004
  • Grady, Ros. “Exemptions to and Compliance with the new Privacy Legislation.” IIR Privacy Law Conference, 17 October 2000
  • Grady, Ros. “New Privacy Laws - How will they affect your Compliance System?” Business Law Education Centre - 3rd Annual Compliance Conference, 17 May 2000
  • Grady, Ros. “Privacy - Complying with the new legislation.” Business Law Education Centre 9th Annual Credit Law Conference, 29 September 1999
  • Grady, Ros. “Privacy and Consumer Credit: New Developments.” Business Law Education Centre Conference - Consumer Credit Update 1999, March 1999
  • Grady, Ros. “Privacy and Financial Institutions: An analysis of the regulatory regime that could apply with the Victorian Data Protection Bill.” IBC Conferences “Privacy in Victoria”, December 1998
  • Grady, Ros. “Electronic Payments Law.” IBC Legal Conferences - Laws of the Internet, 16 September 1998
  • Grady, Ros., and Andrea Beatty. “Regulatory Issues for Electronic Payments.” Business Law Education Centre Electronic Payment and Settlement of Debt Seminar, 17 November 1997
  • Grady, Ros. “Privacy Law Issues.” 14th Annual Banking Law and Practice Conference, 22 May 1997
  • Grady, Ros. “Advertising under the Consumer Credit Code.” Business Law Education Centre Consumer Credit Code Update, April 1997
  • Grady, Ros. “Enforcement issues under the Consumer Credit Code.” Business Law Education Centre - New Consumer Credit Code - “Your Last Chance” Seminar, February 1996
  • Grady, Ros. “Consumer Credit Code - Disclosure and contractual requirements.” Leo Cussen Institute Seminar, February 1996
  • Grady, Ros. “Practical Consumer Credit Code compliance issues for Banks and other Credit Providers.” New Consumer Credit Code Conference, 24 October 1995
  • Grady, Ros. “The immediate impact of the Code on existing business - the legal perspective.” Business Law Education Centre Seminar on the New Consumer Credit Code, November 1994
  • Grady, Ros. “The Uniform Consumer Credit Code from a Banking Industry Perspective.” Australian Institute of Credit Management UCCC Seminar, 16 September 1994


Conference Workshop Papers (all invited)

  • Grady, Ros. “Bank confidentiality.” International Bar Association Conference 2007 (part of panel presentation), 17 October 2007
  • Grady, Ros., and Katherine Forrest. “Building a Business Case for Regulation - ASIC Forum.” 17th Annual LexisNexis Credit Law Conference Interactive Forum, 19 September 2007
  • Grady, Ros., Forrest, Katherine, James Moore and Andrea Beatty. “Ask the Experts - Regulatory Advice Forum.” 16th Annual LexisNexis Credit Law Conference, 29 September 2006
  • Grady, Ros., and Stuart Walton. “An FSR practitioner’s guide to Product Disclosure Statements.” LexisNexis Financial Services Reform Melbourne, 10 November 2004


Professional Practice Publications

  • Grady, Ros. “Canberra should treat credit like other financial products” Australian Financial Review, 15 August 2008
  • Grady, Ros, and James Moore. “Anti-money laundering changes for securities dealing.” Chartered Secretaries Australia Keeping Good Companies, June 2008, p. 282
  • Grady, Ros, and Chris Kontis. “Regulation reducing interchange fees: the Australia experience.” e-finance Payments Law and Policy Newsletter Volume 2 Issue 3, March 2008, 12-14
  • Grady, Ros, and Gian Boeddu. “Anti-money laundering Minutes to midnight.” International Financial Law Review, December 2007, p. 15
  • Grady, Ros. “Should credit go to the Commonwealth? Yes!” Australian Banking and Finance Law Bulletin 23 (6) November 2007: 82-84
  • Grady, Ros. “Privacy Act inquiry - ALRC paper released.” Australian Banking and Finance Law Bulletin 23 (5) October 2007: 66-68
  • Grady, Ros. “Urgent Consumer Credit Code amendments fast-tracked.” Mallesons Alert, 14 September 2007
  • Grady, Ros., “New AML/CTF laws: impact on payments industry.” e-finance Payments Law and Policy Newsletter Volume 1 Issue 10, July 2007, 10-11
  • Grady, Ros, and Gian Boeddu. “Oz’s long arm.” International Financial Law Review, March 2007, p. 38-39
  • Grady, Ros, and Kate Jackson. “Anti-money laundering reforms are on the way: its time to start planning!” Journal of Chartered Secretaries Australia Limited 57 (11) December 2005: 689-691
  • Grady, Ros., “Draft bill ‘catches entities unaware’.” Money Laundering Intelligence Newsletter No 3, February 2006, 1-2
  • Grady, Ros., “Flushing the dirt from the wash.” Lawyers Weekly, January 2006
  • Grady, Ros., “Draft anti-terror bill puts sector in spin.” Money Laundering Intelligence Newsletter No 2, December 2005/January 2006, 1-3
  • Grady, Ros, and Kate Jackson. “Anti-money Laundering and Counter-terrorism Financing Bill introduced.” Australian Banking and Finance Law Bulletin 22 (5-6) November / December 2006: 59-61
  • Beatty, Andrea, and Ros Grady. “AML legislation: the US experience.” Australian Banking and Finance Law Bulletin 21 (4) September 2005: 62-65
  • Grady, Ros., “LCA on warpath over AML.” Lawyers Weekly, August 2005
  • Beatty, Andrea, and Ros Grady. “AML Legislation: the UK experience.” Australian Banking and Finance Law Bulletin 21 (3) August 2005: 37-41
  • Beatty, Andrea, and Ros Grady. “Anti-money laundering legislation: the “big picture”.” Australian Banking and Finance Law Bulletin 21 (2) July 2005:27-30
  • Grady, Ros, and Mei-lin Loh. “New Code of Banking Practice: an outline.” Australian Banking and Finance Law Bulletin 18 (3) November 2002: 37-43
  • Grady, Ros. “Preparing for Australia’s tough new banking standards.” International Financial Law Review, November 2002, 29-30
  • Grady, Ros. “New Consumer Credit Code: application to banks as credit providers.” Australian Banking Law Bulletin 12 (6) November / December 1996: 102-111
  • Grady, Ros. “The New Consumer Credit Code.” Universal Magazines, August 1996
  • Grady, Ros, and Katherine Forrest. “Proposed Amendments to the Privacy Act: the end of credit card loyalty schemes?” Butterworths Consumer Credit Bulletin 7 July 1996
  • Grady, Ros. “Update on proposed transitional provisions for Consumer Credit Code.” Butterworths Consumer Credit Bulletin 2 February 1995: 19-22
  • Grady, Ros., Katherine Forrest, Emma Mill, Kate Jackson and Gian Boeddu. “The AML/CTF regime”, Presentation to GE Legal Team ,17 August 2007
  • Grady, Ros. “AML/CTF Act and Rules - Implications for Telstra” Presentation to Telstra, 28 June 2007
  • Grady, Ros. “AML/CTF Act and Rules - Customer Identification Procedures for Lifeplan Funds Management.” Presentation to Lifeplan Funds Management, 25 May 2007
  • Grady, Ros. “AML/CTF Act and Rules - Anti-Money Laundering: A New Regime.” Presentation to Adelaide Bank, February 2007
  • Grady, Ros. “AML/CTF Act and Rules Anti-Money Laundering: A New Regime.” Presentation to Lifeplan Funds Management, 9 February 2007
  • Grady, Ros., Katherine Forrest, Kate Jackson and Gian Boeddu. “nabCapital AML Presentation.” Presentation to nabCapital, 5 February 2007
  • Grady, Ros., Andrea Beatty and James Moore. “An effective AML/CTF Program for AMP Bank Obligations under the AML/CTF Act and Rules.” Presentation to AMP Bank, 24 January 2007
  • Grady, Ros. “RAMS Group AML/CTF Program.” Presentation to RAMS Home Loans Pty Limited, 20 December 2006
  • Grady, Ros. “Revised Anti-Money Laundering Bill introduced into Parliament.” Mallesons Alert, November 2006
  • Grady, Ros., and Kate Jackson. “Anti-Money Laundering and Counter Terrorism Financing AML Bill 2006. How has Telstra responded and where to next?” Presentation to Telstra AML Working Group, 18 October 2006
  • Grady, Ros., and Andrea Beatty. “Anti-Money Laundering and Counter-Terrorism Financing Bill.” Mallesons Firm wide Seminar, 23 February 2006
  • Grady, Ros., and Katherine Forrest. “Anti-money Laundering and Counter Terrorism Financing Bill 2005.” Mallesons National Seminar, 31 January 2006
  • Grady, Ros. “Anti-Money Laundering and Counter-Terrorism Financing Bill: summary of draft.” Mallesons Alert, December 2005
  • Grady, Ros., and Brahma Dharmananda. “Financial Services Reform Reporting.” Presentation to Australia and New Zealand Banking Group Limited, 13 July 2005
  • Grady, Ros. “NAB Compliance Workshop - FSR (Corporations Act) and Trade Practices Compliance Training.” Presentation to National Australia Bank Limited, 22 June 2005
  • Grady, Ros., and Andrea Beatty. “Financial Services Reform Agenda.” Mallesons Firm wide Seminar, 24 February 2005
  • Grady, Ros., Andrew Smith, Andrea Beatty, James Moore, and Stuart Walton. “Financial sector - selected highlights 2005.” Presentation to Commonwealth Bank legal team, 7 December 2004
  • Grady, Ros. “Integration of Financial Services - Legal and Regulatory Issues Information Sharing and “Know Your Customer.”, Mallesons Firm wide Seminar, 13 October 2004
  • Grady, Ros., Ian Gilbert, and Pamela McAlister. “FSR and Disclosure.” Mallesons Firm wide Seminar (FS Reform), 17 August 2004
  • Grady, Ros., Gian Boeddu, and Kate Jackson. “Financial services in your practice.” Mallesons People and Development Seminar, 9 August 2004
  • Grady, Ros. “National Margin Lending (FS Regulation).” Mallesons Firm wide Seminar (FS Reform), 29 July 2004
  • Grady, Ros., John Malon, and Megan O’Rourke. “Financial Services Reform - how it affects everyone.” Mallesons Firm wide Seminar, 27 May 2004
  • Grady, Ros. “Code of Banking Practice and Consumer Credit Code: The Basics.” Mallesons Firm wide Seminar, 20 May 2004
  • Grady, Ros., and Andrea Beatty. “Dollar Disclosure.” Mallesons Firm wide Seminar, 2004
  • Grady, Ros., and Aaron Bourke. “Code of Banking Practice.” Mallesons Firm wide Seminar, 9 October 2003
  • Grady, Ros., and Delia Burrage. “State Trustees Privacy Seminar.” Presentation to State Trustees of Victoria, 12 August 2003
  • Grady, Ros., and Stuart Walton. “Code of Banking Practice.” Mallesons Firm wide Seminar, 24 July 2003
  • Grady, Ros., Dick Viney, and Ian Gilbert. “Code of Banking Practice.” Mallesons Client Seminar, 28 August 2002
  • Grady, Ros., Heather Loewenthal, and Glenys Parfitt. “Compliance Training.” Westpac Executive Induction Training, May 2001
  • Grady, Ros. “Privacy - Private Sector Regulation.” Mallesons Firm wide Seminar, 16 May 2000
  • Grady, Ros. “What are the issues in Asia, what is our level of response to them and what is needed for the legal organisation? An Australian perspective.” Presentation at GE Asian Lawyers Meeting, 2000
  • Grady, Ros. “Stored Value Cards - A Case Study.” Mallesons Internet Seminar Series, 10 December 1997
  • Grady, Ros. “Privacy Issues and Electronic Banking.” Mallesons Firm wide Electronic Banking Seminar, 3 June 1997
  • Grady, Ros. “Internet Banking.” Presentation to Adelaide Bank, 1997
  • Grady, Ros. “Privacy Regulation and Electronic Commerce.” Mallesons Sydney Electronic Banking Seminar, 9 April 1997
  • Grady, Ros. “Overview of Federal Attorney-General’s Discussion Paper “Privacy Protection in the Private Sector.” Presentation to Amrop International, 20 March 1997
  • Grady, Ros. “Overview of Federal Attorney-General’s Discussion Paper “Privacy Protection in the Private Sector.” Presentation to the AMP Society, 10 December 1996
  • Grady, Ros. “Overview of Federal Attorney-General’s Discussion Paper “Privacy Protection in the Private Sector.” Presentation to Victorian Employers Chamber of Commerce and Industry Business Law and Regulation Policy Committee, 1996
  • Grady, Ros. “Consumer Credit Code.” Presentation to the Department of Planning and Development, 6 June 1995
  • Grady, Ros. “Securities and Chess position paper.” NAB/Mallesons Legal Conference, May 1995
  • Gilbert, Ian., and Ros Grady. “Credit Code Roadshow.” Presentation to Trust Bank (Tasmania), February 1995 (sample of approximately 16 similar presentations done for the Australian Bankers’ Association in 1995)
  • Grady, Ros. “Proposed Transitional Provisions for the Consumer Credit Code.” Mallesons Firm wide Consumer Credit Code Seminar, 4 October 1994
  • Grady, Ros. “Dealing with the Crown.”, Mallesons Melbourne Seminar, 9 July 1991
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