Corporate Overhaul Legal Services

Website: www.corporateoverhaul.com.au 
hello@corporateoverhaul.com
ABN: 52 639 082 358
Level 29, 85 Castlereagh St, Sydney NSW 2000 Australia

At Corporate Overhaul Legal Services Pty Ltd, we provide end-to-end legal and regulatory support tailored to underwriting agencies operating under an Australian Financial Services Licence (AFSL) and who are licensed with APRA as well. Our services are designed to ensure full compliance with ASIC and APRA (as applicable) obligations, enhance operational resilience, and support strategic growth. Our services and expertise cover the following:

AFS Licensing & Regulatory Compliance

We provide specialist legal and compliance support to underwriting agencies throughout the AFSL lifecycle, from initial licensing and authorisation through to ongoing regulatory compliance, governance, and risk management.

Our services include:

• AFSL applications, variations, authorisations and licence restructuring
• Strategic advice on licensing exemptions, authorised representative arrangements and distribution models
• Responsible Manager training, competency assessments and continuing professional development (CPD)
• Development and review of compliance frameworks, policies and procedures
• Breach identification, assessment, investigation and reportable situations reporting (RG 78)
• Design and implementation of compliance monitoring and surveillance programs
• Independent compliance reviews, audits and health checks
• Regulatory gap analyses and compliance remediation programs
• Governance framework development, including Board and management reporting
• Regulatory engagement and liaison with ASIC and APRA (as applicable);
• Advice on financial services disclosure obligations and client documentation
• Conflicts of interest, complaints handling and dispute resolution frameworks
• Outsourcing, distribution and third-party service provider compliance reviews
• Risk management framework development and implementation
• Staff compliance training and regulatory awareness programs
• Ongoing compliance support through dedicated compliance officer and outsourced compliance services
• Regulatory change management and implementation of new legal obligations
• Preparation and review of compliance plans, registers and attestations
• Assistance with ASIC and APRA surveillance, investigations and regulatory notices
• Legal advice on financial services, consumer protection and regulatory compliance matters as required

 Complaints Handling & AFCA Representation

We help agencies comply with ASIC’s RG 271 and AFCA requirements by:

• Designing internal dispute resolution (IDR) frameworks
• Drafting complaints handling policies
• Managing AFCA submissions and responses
• Training staff on complaint resolution best practices

 AML/CTF, Privacy & Cyber Resilience

We assist underwriting agencies to establish and maintain effective anti-money laundering, counter-terrorism financing, privacy, cyber security and regulatory compliance frameworks.

Our services include:

• AML/CTF compliance framework design, implementation and review
• AML/CTF Program preparation, enhancement and independent reviews
• ML/TF/PF risk assessments and enterprise-wide risk assessments
• Customer identification, verification (KYC) and customer due diligence procedures
• Enhanced due diligence and ongoing customer monitoring frameworks
• Suspicious matter reporting, threshold transaction reporting and regulatory reporting obligations
• AML/CTF training programs for directors, executives and staff
• Preparation for AUSTRAC compliance reviews, enquiries and regulatory engagement
• AML/CTF remediation programs and compliance uplift projects
• Privacy compliance reviews and Privacy Act obligations assessments
• Privacy policies, collection notices and consent framework development
• Data governance and information handling frameworks
• Privacy impact assessments and compliance audits
• Data breach response planning and Notifiable Data Breach (NDB) assessments and reporting
• Cyber resilience framework development and implementation
• Cyber incident response plans, testing and governance
• Third-party supplier and outsourcing risk assessments
• Information security governance and policy development
• Breach identification, assessment, investigation and regulatory reporting
• Board and management reporting on privacy, cyber and AML/CTF risks
• Ongoing compliance support, monitoring and advisory services
• Legal and regulatory advice on AML/CTF, privacy, cyber security and related compliance obligations

 Compliance Training & GRC System Implementation

We deliver tailored compliance training programs and set up Governance, Risk & Compliance (GRC) systems to streamline regulatory management:

• RG 105 organisational competence training
• AML/CTF, privacy, cyber resilience, and breach reporting modules
• Deployment of GRC platforms to manage policies, registers, audits, and risk assessments
• Ongoing training and CPD tracking for staff and Responsible Managers

 Commercial Agreements & Vendor Contracts

We draft and negotiate all vendor and commercial agreements, including:

• IT and software licensing
• Outsourcing and procurement contracts
• Service level agreements
• Unfair contract terms compliance

 Property & Leasing Advice

We provide legal support for property transactions and leasing arrangements:

• Commercial lease drafting and negotiation
• Property buying and selling

 Corporate Transactions

We assist underwriting agencies with mergers, acquisitions, and restructures:

• Legal due diligence
• Transaction structuring and documentation
• Sale Agreements
• Shareholder agreements
• Post-transaction compliance integration

 Binder & Claims Handling Agreements

We draft and review binder and claims handling agreements to ensure:

• Clear roles and responsibilities between insurers and agencies
• Compliance with AFSL claims handling authorisations
• Efficient claims management processes

 Consumer-Facing Documents & Templates

We prepare and update all consumer-facing documentation required under AFSL obligations:

• Consumer facing documents
• Product Disclosure Statements (PDS)
• Target Market Determinations (TMDs)
• Product Terms and Conditions
• Website disclaimers and terms
• Marketing and promotional materials

Contact
Marjana Cvetanoska
Founder / CEO & Principal
+61 403 553 022
Marjana@corporateoverhaul.com