Deborah Carmichael is an Executive at ENSafrica in the banking and finance practice. 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.

Education

• LLB (University of Cape Town)
• Admitted as an attorney of the High Court of South Africa

Deborah is recognised as a leading/recommended lawyer by:

• IFLR1000 Financial and Corporate Guide; Banking and Finance – 2023, 2022, 2021, 2020, 2019, 2018 (South Africa)
• Best Lawyers® 2023, 2021, 2020, 2019 – Structured Finance (South Africa)
• Who’s Who Legal 2022 Capital Markets: Structured Finance (South Africa)

• The Phhasing-Out of LIBOR: A Helpful Guide to the “Must-Have” Features of Contractual Fall-back Language

  By Deborah Carmichael |April 2020

• What’s Happening to JIBAR?

  By Deborah Carmichael |April 2020

• Will the end of (L)IBOR be delayed?

  By Deborah Carmichael |March 2020