Aya Refaat

Aya Refaat

Associate, Financial Services

Contact Information


tel: 416.646.3931



Areas of Expertise


  • University of Toronto, Juris Doctor
  • Toronto Metropolitan University, Honours B.A.



Aya is an associate in Osler’s Financial Services Group. Her practice is focused on a wide range of
corporate and financing matters, including domestic and cross-border commercial lending,
syndicated loans, project financings and securitizations.

Aya obtained her J.D. from the University of Toronto Faculty of Law. During her time at law school,
Aya worked as a Caseworker with the Advocates for Injured Workers clinic where she assisted
injured workers with all aspects of their workers’ compensation claims. She also participated in and
coached various moots, including the Canadian Copyright Policy Moot and the Julius Alexander
Isaac Moot.

Aya joined Osler as a summer student in 2021 and returned to complete her articles with the firm in

  • Muslim Legal Support Centre
  • University of Toronto Muslim Law Student Association (2020-2022)
  • Amnesty International and the International Human Rights Program, Researcher (2019-2021)
  • Pro Bono Students of Canada, Researcher (2019-2020)
  • World University Service of Canada Ryerson University Chapter, Chair (2018-2019)

  • Law Society of Ontario
  • Ontario Bar Association
  • Canadian Bar Association

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