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Deborah Carmichael is an Executive at ENSafrica in the Banking and Finance department. She specialises in complex regulatory matters in the banking and financial services sector, including collective investment schemes, exchange control, derivatives, securities lending and over-the-counter trading.

She has acted for the International Swaps and Derivatives Association, the International Capital Market Association, the Securities Lending and Repo Committee and the Capital Adequacy Working Group on issues requiring derivatives and securities lending legal counsel. In addition, Deborah has acted for pension funds, insurance companies and other regulated financial services institutions.

Deborah’s experience also includes development finance, debt restructuring, workouts and transactions refinancing involving derivative instruments.

She is the author of numerous articles on finance and South African investment related matters, and co-authored the South African Legislation Guide for South Africa in the IFLR1000 2010 Guide to the World's Leading Advisors.

Deborah is recognised as a leading/recommended lawyer by:

• IFLR1000 Financial and Corporate Guide 2021, 2020, 2019 – Banking and Finance – Highly Regarded (South Africa)
• Best Lawyers® 2020, 2019 – Structured Finance (South Africa)