Finance

Olvera Advisors offers restructuring and debt advisory to financial institutions, enabling them to manage uncertainty with confidence.

The financial services sector records rising regulation and compliance demands

The engine in Australia’s financial services remains steady, with record-high super assets and well-capitalised banks.

However, the regulatory bar keeps climbing for these institutions, as they navigate the Financial Accountability Regime Act, climate disclosures, and CPS190 obligations. As rulebooks get tougher, and customers and markets become more unforgiving with delays, robust frameworks and plans have never been more critical.

At Olvera Advisors, we’ll help you translate regulation into clear action, protect and recover capital, and regain control.

We work with directors to establish clear lines of accountability and discuss recovery options that work for your business. Together, we’ll help you build a plan that stands up to APRA, ASIC and your Board, with disclosures that withstand stringent assurance processes.

Olvera believes in working with you as partners. As a client, you can expect pragmatic plans that are executable in weeks – not months, and a fee structure aligned to your goals. We’re here to deliver profitability that lasts.

KEY TRENDS

What We’re Seeing in the Finance Industry

More regulations, more competition, and increased scrutiny.
Payments, Fintech & Private Credit

The payments and fintech landscape spans merchant acquiring, BNPL, digital wallets, and private or alternative lending models. Businesses face mounting compliance obligations, alongside increasing governance complexity under the Financial Accountability Regime (FAR).

Big-tech platform rules and cross-border AML/KYC requirements continue to reshape the operating environment, while funding markets remain cyclical and competitive. Private credit providers are playing an increasingly central role in asset and loan recovery programs, leading both origination and restructuring activity across the funding spectrum.

With Australia’s superannuation assets now exceeding $4.3 trillion, super funds face increasing pressure to scale governance, streamline products, and navigate APRA requirements alongside evolving climate disclosure obligations.

At the same time, DDO requirements, rising fee pressures, and uncertainty around advice reforms are reshaping business models. Fund insolvency and unregistered schemes remain underlying risks, while heightened ESG scrutiny demands credible responses to greenwashing and climate integrity concerns.

Statistics

Statistics at a Glance

Superannuation assets reached $4.3 trillion on 30 June 2025, a 9.8% increase year-on-year, with APRA-regulated funds accounting for $3.04 trillion.

In FY25, supers with a median balanced option delivered returns of around 10.1% to 30 June 2025.
The RBA cash rate remains unchanged at 3.60% as of 30th September 2025.
As of 31 March 2025, 45.3% of Australians (12.48 million) held hospital cover, while 55.1% held extras through private health insurance.
HOW WE CAN HELP

Our Financial Expertise

With decades of advisory experience, we support businesses with effective risk management, insolvency, and restructuring strategies. Here is how we can help

Regulatory Board Packs

Preparation of board packs that pass APRA and ASIC scrutiny, with leading indicators, breach and risk metrics, and clear recovery triggers.

Stress-Period Command Centers

During financial or operational stress, we establish a weekly command centre with a single source of truth covering funding, liquidity, portfolio performance, service levels, and risk events.

Safe Harbour & Restructuring Strategies

Safe Harbour protections and creditor strategies for stressed lenders and financial service providers. Development of options papers for distressed M&A.

Vendor Due Diligence

Conduct vendor due diligence for asset managers and super funds on platform sales and acquisitions.

The Olvera Difference

Why Partner with Us?

With decades of combined restructuring and advisory experience, our team offers sound advice in all business scenarios.

Solution Focused

We focus on maximising returns and planning for the best outcomes. With milestones and value-based billings, our goal is always to find the right solutions first.

Intelligently Innovative

Working in small teams, we believe in delivering creative, executable plans. Our team is highly resource-driven, utilising our vast networks whenever possible.

Relationship Driven

We see the people and potential behind the numbers. Our service is personable and long-term focused, with the right balance between financial and individual.

Olvera Guides

Financier's Receivership Guide

Download the financier’s guide to navigating borrower defaults, receiver appointments, and protecting your security.
Our Experts

Olvera’s Finance Experts

Our team of specialist advisors are dedicated to providing expert guidance and personalised solutions for your business.
Neil Cussen

Neil Cussen

Principal

Neil Cussen, a leading authority in insolvency and restructuring, offers 35 years of experience, excelling in asset tracing, business recovery, and cross-border insolvencies.

Tony Wright

Principal
Tony has over 20 years of insolvency experience, with diverse industry expertise and a strong track record in helping SME businesses reset and grow.
Case Studies

Olvera’s Case Studies

Read about our successful client case studies. 

Resources

Latest Insights, News, and Reports

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