Emma Dale (Harding)

Emma Dale (Harding)

Senior Associate, Auckland

Financial services regulation; Funds, KiwiSaver & superannuation

; {{item.Title}}

T:+64 9 357 9291

M:+64 27 589 1978



BCA, LLB (1st Class Hons), Victoria University of Wellington


2005, New Zealand

Emma specialises in corporate and commercial law, focusing on superannuation, KiwiSaver, managed funds and privacy/official information.

Emma provides strategic advice to a variety of clients, including fund managers of numerous retail superannuation and KiwiSaver schemes. She also advises other financial service providers and a range of clients, on privacy and official information issues.

Emma has completed secondments to three large financial services firms. She has presented numerous seminars to industry groups and regularly writes articles educating clients on topical issues, offering practical thoughts and proactive solutions. Emma is an expert on QROPS matters.

Emma is recognised as a next generation lawyer in Legal 500 Asia Pacific 2019.

Recent experience

Emma has:

  • assisted many clients in transitioning to the new Financial Markets Conduct regime
  • reduced commercial costs for QROPS clients through the innovative application of UK pension law
  • assisted in managing the end to end preliminary documentation and legal aspects of the establishment of the largest single KiwiSaver scheme the ASB KiwiSaver Scheme

  • established six other highly visible KiwiSaver schemes, across a range of fund managers
  • provided innovative legal and commercial solutions for various financial products, including some that have been the first of their type in the market when launched
  • drafted the documentation and advised on the bulk transfer of thousands of members of one KiwiSaver scheme to another as the result of a corporate transaction
  • been part of the team that successfully lobbied law changes to establish the complying superannuation fund regime and to proactively obtain necessary amendments to the financial advisers' regime to ensure it worked from a practical perspective
  • facilitated a complex superannuation integration exercise involving a very large defined benefit scheme deficit, which arose as the result of a corporate acquisition
  • advised major banks, medium and large insurers, mortgage brokers and KiwiSaver providers on issues relating to the changes to the financial adviser and anti-money laundering regimes
  • advised various insurance companies on the effect of the Insurance (Prudential Supervision) Act on their businesses, including matters of compliance, particularly the governance, solvency and statutory fund aspects of the regime
  • provided advice to a large government agency in relation to novel privacy issues, and
  • provided advice to a range of clients in response to Official Information Act requests.
Insurance; Funds, KiwiSaver & superannuation; Financial services regulation; Privacy & data protection