Nimrod Amanuel
Henry Mitchell
Law Graduate
Jiashu Wang
Law Graduate
Rachel Stower
Chris Lin
Eamonn Carpenter
Sam Poulsen
Joel Whale
Special Counsel

Sónia Cruz

Executive Director – Licensing

Sónia has a unique blend of practical financial services and compliance experience based on over 21 years’ experience across a range of financial services sectors. She works with clients applying for credit or financial services licences by navigating the intricacies of licensing and preparing their business to operate in a regulated environment.

Sónia provides licensing and compliance advice to a broad range of financial services and credit businesses, including financial planners, insurers, insurance brokers, underwriting agencies, lenders, mortgage brokers, payment providers, fund/investment managers, participants in the carbon markets, FX businesses and cryptocurrency businesses. She manages the preparation of the documents required for applications, liaises with ASIC on complex licence requisitions, advises applicants on licensing strategy and provides compliance advice. Sónia works closely with the legal team to support clients in finding practical and commercial solutions to operating financial services and credit businesses. Sónia has worked on over 500+ licence applications, licence variations and Responsible Manager appointments.

Sonia routinely provides input to ASIC on the licensing process by participating in the ASIC Licensing Liaison meetings and has been invited to provide detailed feedback on major changes to licensing.

Prior to joining Hamilton Locke, Sónia worked at The Fold Legal, which merged with Hamilton Locke on 1 September 2022. Prior to that, she held roles across a number of multinational organisations encompassing compliance, financial planning and stock broking.


Financial Services; Licensing; Compliance


  • Bachelor of Business Management and Finance – Charles Sturt University
  • Advanced Diploma of Financial Services – Kaplan Professional


  • Actively involved in new sectors entering the licensing regime across financial services and credit, including margin lending, credit, accountants, claims handling and foreign financial service providers;
  • Worked with Living Room of Satoshi to obtain an AFS Licence, one of the first crypto payment providers;
  • Worked with BetaCarbon to obtain their AFS Licence to offer Australian Carbon Tokens and Retirement Tokens;
  • Worked with a broad cross sector of clients including, Athena Home Loans to obtain their credit licence, Honey Insurance and Reinventure;
  • Worked with a number of foreign companies to obtain their AFS Licence and launch in the Australian market including, Argenta Underwriting Australia, Lancashire Underwriting Australia, Descartes Underwriting Australia, Canopius and Talbot Underwriting.