Patrick Bracher is a leading director in the financial institutions team of Norton Rose Fulbright South Africa, based in Johannesburg. He has years of invaluable experience and a depth of knowledge in insurance law (pure insurance, regulatory aspects and the commercial side), financial transactions and regulatory law. His knowledge also embraces related financial services such as the Financial Advisory and Intermediary Services Act and the Medical Schemes Act. He advises many of South Africa's insurers, the South African Insurance Association, Lloyd's of London in South Africa, the National Credit Regulator and the Council for Medical Schemes.

Patrick is the external examiner for the University of South Africa's post-graduate insurance courses. His commercial knowledge is supplemented by a wide-ranging knowledge of the common law; and practical understanding of the law relating to consumers such as the National Credit Act, Consumer Protection Act, and Protection of Personal Information Act especially from the suppliers' point of view.

Patrick is known for his clear opinions, practical advice and plain language. He edits most of the publications issued by Norton Rose Fulbright South Africa. He has written countless articles himself and presented many lectures and seminars. He is a constitutional lawyer and he hosts a fortnightly radio programme on the Bill of Rights.

Patrick has been noted as a leading lawyer in the insurance and reinsurance spheres various times over the years, including in the 2019 Who's Who Legal.

He commenced his legal career in the coastal city of Port Elizabeth, South Africa, straight from high school. While doing his articles, he simultaneously studied law by correspondence through the University of South Africa for one of the world's foremost correspondence universities. He joined the firm in 1988.

Kershia Singh is currently the head of the Policy Support department at the Financial Sector Conduct Authority, within the Regulatory Policy division. Her portfolio involves, amongst others, driving the FSCA's objectives of supporting financial inclusion and transformation of the South African financial sector, and the development of the FSCA's approach to sustainable finance. In addition to policy development, the department is also responsible for deepening the FSCA's customer and market insights to better inform regulatory and supervisory policy and approaches.

Before joining the FSCA in 2019, Kershia was the director responsible for market conduct policy in the National Treasury. She was involved in the Twin Peaks reform process, led by the National Treasury, from 2013 onwards. The reforms resulted in the enactment of the Financial Sector Regulation Act in 2017. A main focus of her area of work was the development of market conduct policy and legislation for the South African financial sector, as well as the reform of the financial sector ombuds system. She holds an Honours degree in Development Studies from Wits University and a Masters in Finance and Financial Law from the University of London.