Is it too late for a career switch to Accounting at 34....?

You're never too old... I'm starting Accounting (in Australia) and I'm 58. So what. In Australia you can get an accounting degree then work for yourself. If you work for yourself, then no one is going to ask you how long you have been doing the work. However you seem to have had employment in the finance and banking areas, so I can't see how getting an Accounting degree would be a totally new career for you. Have you though about moving to Australia to do your course at one of the Uni's here?