Harsharan Kaur Bhullar
LL.B. (NUS)
Director
“Delete the adjectives, and you would have the facts.” – Harper Lee, To Kill a Mockingbird
Harsharan is a seasoned investigations and financial services regulatory lawyer. Her rare combination of public sector enforcement and private practice litigation experience puts her in a unique position to help clients navigate complex investigations and regulatory challenges.
She began her legal career in dispute resolution, learning the ropes from two of Singapore’s top silks. She then shifted gears and joined the Enforcement Department of the Monetary Authority of Singapore (MAS), where she spent eight years honing her expertise in financial services regulation.
At MAS, Harsharan was at the forefront of some of Singapore’s most high-profile investigations involving anti-money laundering breaches, capital markets violations, and cryptocurrency misconduct – including the S$3 billion money laundering case, as well as the 1MDB, Noble, and Three Arrows Capital matters. She also regularly advised on enforcement actions involving entities and individuals (including senior managers) across the payment services, financial advisory, capital markets, and anti-money laundering sectors, and led regulatory appeals.
Harsharan’s strength lies in her vantage point, having worked closely with law enforcement agencies and international regulators on a wide range of cross-border misconduct and enforcement-policy-related projects. Her robust foundation in litigation is another feather in her cap: she has appeared before the Singapore Courts while acting for major financial institutions, government-linked companies, and high-net-worth individuals across a broad spectrum of commercial disputes relating to banking, property, construction, employment, and trusts.
Outside work, Harsharan juggles life with three spirited children – yes, three – her personal contribution to nation-building. When not negotiating bedtimes or battling over homework, she enjoys travelling, listening to music, and the elusive luxury of uninterrupted silence.
Notable Briefs
Advised a fund management company on its communications with the Commercial Affairs Department (CAD), the Attorney General’s Chambers (AGC) and the MAS to minimise regulatory exposure or criminal liability following the CAD’s seizure of its client’s funds, and represented the company in an application to the Court for the release of the seized funds.
Advised a cryptocurrency entity on mitigating regulatory and enforcement risks arising from its submission to the MAS for a payment services licence.
Played a key role in MAS’ investigation in the $3 billion money laundering case, one of the largest cases in Singapore’s history, including referring individuals with potential criminal liability to the AGC for prosecution.
Defended a bank’s Singapore branch in a high-value claim exceeding S$100 million by an investor over portfolio losses during the 2008 global financial crisis: See Stanley Tan v UBS AG [2016] 2 SLR 906.