Dr Andy Schmulow is currently a Senior Lecturer in the School of Law, University of Wollongong. He conducts research in Public Law and consults to Datta Burton & Associates. He is an internationally recognised deep subject-matter expert on Twin Peaks financial system regulation, and regulating to compel better conduct in retail markets. He was invited by the World Bank and CGAP to lead the development of a transformational consumer financial well-being indicator framework for the South African government. 

In 2017 he was invited by South Africa's National Treasury to serve on their Independent Committee of Experts to advise on the drafting of the Conduct of Financial Institutions Bill. In 2018 he was invited to provide research findings to the Australian Royal Commission of Inquiry into Misconduct in the Banking, Insurance and Superannuation Industry (FSRC/Hayne Royal Commission), leading to Recommendation 6.14 of the FSRC Final Report: establish a Regulator Board of Oversight. This recommendation has subsequently been reflected in the Financial Regulator Assessment Authority Act, given Royal ascent on 23 June 2021. He is the Founder and CEO of Clarity Prudential Regulatory & Consulting, Pty Ltd, and a Senior Advisor to Datta Burton and Associates. He is a Senior Lecturer in the School of Law, at the University of Wollongong, Australia. In 2020 he was invited to become a Member of the Secretariat to the House of Commons House of Lords All Party Parliamentary Group for Personal Banking and Fairer Financial Services.