Gemma Whale is a Senior Associate within the Corporate department in Jersey. She advises on all aspects of restructuring and insolvency, corporate finance, banking and regulatory law.

Having qualified as a Solicitor in England and Wales in 2009, prior to joining Appleby, Gemma spent 8 years in the restructuring and insolvency team of a leading international law firm. Gemma’s experience covers contentious and non-contentious insolvency and business restructuring advice to insolvency practitioners, institutional lenders and major corporate. She has extensive experience advising lenders on their security net, including the lender’s potential exposure, enforcement options and possible enhancements that could be made, in each case.

Gemma has spent nine months on secondment with the Mid Markets and SME divisions of the Business Support Unit of Lloyds Banking Group, which provided invaluable experience and insight into the drivers behind the decisions made by an institutional lender, something Gemma is able to draw upon, when appropriate, in delivering her advice.

Since her move to Jersey, Gemma has broadened her banking and regulatory experience, advising significant financial institutions on all aspects of regulatory compliance and most recently, assisting with the restructuring of a regulated entity in order to achieve ring fencing compliance.



  • Acting for the joint administrators of a major UK fashion retailer in obtaining recognition of their appointment in Jersey, in order to be able to deal with Jersey situs assets.
  • Taking a leading role in advising Santander UK plc on the transfer of their banking businesses in both Jersey and the Isle of Man into the respective Jersey and Isle of Man branches of Abbey National Treasury Services plc, pursuant to a court sanctioned scheme in each jurisdiction.
  • Delivering advice to banks and other financial institutions with regard to compliance with the anti-money laundering legal and regulatory framework in Jersey.
  • Acting for various lenders on a number of confidential restructurings of debt finance.
  • Reviewing a wide variety of security documents, advising banks and asset based lenders and drafting reports commenting on the validity of such security and recommending steps to be taken to protect and enhance the lender’s position.
  • Negotiating and completing numerous sales of commercial property in an insolvency context, most recently advising upon a GBP 14million disposal of student lettings accommodation.
  • Advising the administrators of a major international stationery company on the realisation strategy of the administration and taking a leading role on the sale of the business and assets of the company.
  • Taking a lead role and being the main client contact in respect of a corporate restructuring of the Bank’s customer, which resulted in GBP 13million debt reduction for the Bank.
  • Dealing with insolvent companies in the leisure and hospitality sector, advising administrators on the sales of the business and assets of nightclubs, a public house and hotel.



College of Law, Birmingham (England)

University of Birmingham (England)


13 Sep 2021 | News

Bank Recovery and Resolution: Progress

The Jersey Financial Services Commission (JFSC) announced on 10th September 2021 that it has been as...

Contributors: Andrew Weaver
3 Aug 2021 | News

Possible expansion of the Jersey insolvency toolkit

It was announced in July that the Government of Jersey is seeking to amend the Companies (Jersey) L...

Contributors: Andrew Weaver
1 Jun 2021 | News

Appleby advise Advanz Pharma on completion of USD846 million take private by Nordic Capital

Leading offshore law firm Appleby acted as Jersey counsel to ADVANZ PHARMA in connection with its sa...

22 Jul 2020 | News

Appleby instructed on Monsoon and Accessorize administrations, obtaining recognition of UK officeholders

Leading global offshore law firm Appleby have acted in Jersey, Guernsey and the Isle of Man for the ...

7 May 2020 | Analysis

Facilitation of Cross Border Restructuring

As the impact of the Covid-19 pandemic deepens and a prolonged “U” shaped recession looks increa...

Contributors: Gemma Whale
6 Mar 2020 | News

Appleby’s Female Leader’s Network: One year on

Global network brings together women in senior positions across the jurisdictions in which the firm ...

20 Nov 2018 | News

Appleby Jersey Promotes Gemma Whale to Senior Associate

Leading offshore law firm Appleby is delighted to announce the promotion of Gemma Whale to the role ...

25 Jun 2018 | News

Appleby advise on offshore aspects of £150m sale of Lombard division

Appleby provided Jersey, Guernsey, Isle of Man and Cayman legal advice in connection with the dispos...


25 Nov 2021 |

Regulatory Approach to ESG across the Crown Dependencies

New requirements may require investment products to display a label reflecting their sustainability ...

17 Jun 2021 |

Solvency Statements under Companies (Jersey) Law 1991 - Is it time to go paperless?

In April of this year, the Royal Court of Jersey considered the practicalities around the making of ...

Contributors: Kevin McQuillan
2 Jun 2021 |

Why use Jersey entities in restructurings?

As the extension of various forbearance measures and fiscal support packages continues in response t...

Contributors: Gemma Whale, Andrew Weaver
28 May 2021 |

Further updates to the JFSC’s AML Handbook

On 31 May 2021, the handbook for the prevention and detection of money laundering and the financing ...

Contributors: Gemma Whale
10 Mar 2021 |

The Parent Trap

The last twelve months have been difficult for so many of us in so many different ways. We have foun...

Contributors: Gemma Whale
9 Feb 2021

Cross Border Insolvency in the Backdrop of Brexit

The BREXIT transition period ended on 31 December 2020 and has significantly changed the UK insolven...

Contributors: Gemma Whale
2 Sep 2020 |

Anti Money Laundering: Getting Reliance Right

The Jersey Financial Services Commission (JFSC) recently published its findings from the Thematic Ex...

2 Jun 2020 |

Corporate Insolvency and Governance Bill: A Jersey Perspective

Insolvency professionals have watched with great interest as the Corporate Insolvency and Governance...

Contributors: Gemma Whale
15 May 2020 |

Wrongful Trading: An Update

The Law Society of Jersey has this week issued guidance commenting on wrongful trading under Jersey ...

Contributors: Gemma Whale
6 Apr 2020 |

Wrongful Trading: Legal position in Jersey

During these uncertain times, business resilience and continuity is at the forefront and directors o...

Contributors: Gemma Whale

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