Ruth Fesseha
Olivia Boyle
Angus Verheul
Law Graduate
Taufiq Arahman
Ed Macgregor
Senior Associate
Samridhi Sinha
Peter Mutema
Joanna Wang

Nicholas Pavouris

Senior Associate

Nicholas approaches his practice with a scientific lens, inspired by a combined law/chemistry major at university. His main interest is in payments, crypto, regulatory, insurance and fintech. Nicholas utilises creative thinking to provide innovative solutions and valuable advice for his clients.

Nicholas’ expertise is in providing regulatory and corporate support to emerging Fintechs and disruptors with cutting-edge product and service offerings. Nicholas is also experienced in supporting established financial service providers by managing their regulatory compliance obligations and assisting them to grow their business. Nicholas has close connections with Fintech Australia, Insurtech Australia and Blockchain Australia and regularly supports them with submissions to government and providing them with legal support.

Prior to joining Hamilton Locke, Nicholas worked at The Fold Legal, which merged with Hamilton Locke on 1 September 2022.


Financial Services; Regulatory; AML/CTF; Fintech; Payments; Cryptocurrency; Insurance; Credit; Licensing; Corporate Advisory

  • Lawyers Weekly ‘30 Under 30’ Awards, Financial Services Category, Shortlist 2022
  • Bachelor of Laws (Honours) – Queensland University of Technology
  • Bachelor of Science (Chemistry) – Queensland University of Technology
  • Graduate Diploma in Legal Practice – Queensland University of Technology
  • Admitted to practice in Queensland
  • Advising various payments, lending, funds and crypto clients on their AML-CTF compliance and regulation obligations including advising on applicable designated services, know-your-customer (KYC) measures, AML programs and AUSTRAC applications.
  • Advising various global and local digital currency exchanges (including Independent Reserve and CoinSpot) on token listings, product and services offerings, AML/CTF, payments, bot trading, share trading solutions and corporate structuring and transactions.
  • Advising BNPL providers and other credit providers on their legal obligations, licensing obligations, regulatory agreements and compliance including LimePay, Latertax, Payo and Payright.
  • Advising on the design, structure distribution, regulatory requirements of CashD’s early wage access product and other payment solutions for B2B and B2C offerings including Divipay, Azupay, Plan Pay, and other escrow payments services.
  • Advised Zip Money on partnering with Cover Genius to offer product insurance for purchases made by customers using BNPL and other payment services.
  • Advised KOBA Insurance, Australia’s first kilometre-based car insurance provider on their strategic alliance and authorised representative agreements. Assisting in reviewing all documents for their go-to-market including website and marketing collateral, financial services guide, terms of business, privacy policy, terms of use and drafting product disclosure statements and target market determinations.
  • Advising Employment Hero on the distribution of superannuation and payments solutions.
  • Advised BetaCarbon on the design, licensing and regulatory requirements of its Australian Carbon Token and Retirement Token.
  • Advised PICNIC Labs on one of the market first offerings of Mutual Capital Instruments (MCI’s) for their Our Ark Mutual – Australia’s first community based mutual supporting organisations in the religious, education, aged care and not-for-profit space to source risk
  • Advised Limepay on their $22m pre-IPO convertible note issue and previous capital raisings.