AICM National Conference 2019Equifax
AICM National Conference 2018 Speakers
Andrew Spring MICM

Position: Partner | Jirsch Sutherland

Andrew has a wealth of experience in all facets of domestic and international business restructuring and insolvency.
Andrew has over 19 years experience in corporate recovery and insolvency gained through working in Australia and the UK, where he assisted distressed businesses. He joined Jirsch Sutherland in 2011 and in 2015 received the Consultant of the Year NSW Pinnacle Award from the Australian Institute of Credit Management.

Andrew holds expertise in:

  • Independent business reviews
  • Reconstruction and turnaround consulting
  • Business sales and asset divestment
  • Profitability reviews
  • Cross border insolvency
  • Voluntary Administrations
  • Deed of Company Arrangements
  • Receiverships
  • Liquidations
Anna Brooks

Position: National Manager Lifeline Research Foundation | Lifeline Australia

Dr Anna Brooks is an internationally recognised research and research translation specialist.

She holds a Bachelor’s degree in Psychology with Honours (first class), and a Doctorate in Cognitive Neuroscience.

Over the course of more than 20 years as an active researcher, supervisor and tertiary educator in the field of human perception and cognition, Anna has held appointments at Australian and Swiss universities. In recent years she has worked as a consultant for industry and non-profits.  

She is currently completing a Masters in Clinical Neuropsychology and holds provisional registration as a general psychologist.

Anna presently leads the research foundation of Australia’s largest suicide prevention helpline, Lifeline. At Lifeline Anna leads a team dedicated to to the pursuit of generating and translating new knowledge into real-world solutions for those experiencing emotional distress and suicidality.

Anna Taylor MICM

Position: Partner | Results Legal

Anna leads the Commercial Litigation, Trade Credit and Recovery Team. Anna Takes a big picture approach to developing effective litigation strategies for clients, which utilise her specialist technical legal knowledge across the full spectrum of commercial litigations matters specifically with a trade credit focus.

Anna is passionate about achieving her client’s exceptional outcomes at a timely and cost effective way by taking a holistic approach to litigation.

Anna regularly acts in insolvency matters such as defending preference claims and is at the forefront of the rights of the creditor.

Anna is heavily involved in the Australian Institute of Credit Management (AICM) and a member of the executive committee of Women in Credit (WINC), and a massive supporter of the initiative.

Professor Brett Freudenberg

Position: Professor | Griffith Business School, Griffith University

Brett Freudenberg is a Professor – Taxation at Griffith University (Australia). Brett is known for his research expertise in the tax law and policy issues facing private enterprises, as evidenced by his Fulbright Scholarship (2006) and over 70 refereed publications in leading Australian and international journals. Professor Freudenberg’s research has analysed whether Australia should introduce a tax flow-through company, the tax treatment of discretionary trusts and the motivation for choice of business structure. His research has also considered the tax issues confronting private enterprises, reforms for enterprises in the arts sector, as well as to facilitate Islamic finance.

Professor Freudenberg’s research has informed government policy as he was invited to present his PhD research findings to the Australian Treasury as part of the Henry Tax Review. Also his PhD was awarded the CCH-ATTA Doctoral Prize which saw it published as a book in 2011: Tax Flow-Through Companies. Brett’s research formed the basis of CPA Australia’s submission on Islamic finance to the Board of Taxation. He uses his extensive tax law knowledge to influence policy debate with appointments to the ATO Small Business Fix-It Squad and the Advisory Panel with the Board of Taxation.

Chris irwin

 Position: Head of Retail Credit Risk | Bank of Queensland

Chris has 25 years’ experience in commercial, consumer and mortgage lending, including roles across Corporate Relationship Management and Risk Management. Chris’ employment history in banking started in Consumer, Business and Commercial Lending, as well as Business Development, with the Bank of Melbourne and the Westpac Group.

Chris’ risk management career started at GE Commercial where he led the fleet and equipment finance corporate underwriting process. With a move to GE Money (consumer), Chris managed several credit assessment teams in Mortgage Lending, Personal Loans and Motor Vehicle Finance. 

Chris joined the Bank of Queensland in 2012. Chris is currently the Head of Retail Credit Risk, with responsibility over Credit Risk Strategies, Regulatory Change, Portfolio Analytics, Consumer Lending Policy, Residential Property Valuations, Credit Risk Hindsight and Quality Assurance.

Daniel Turk MICM

Position: Partner | TurksLegal

Daniel joined TurksLegal in 2005 and is the practice head of our Commercial Disputes & Transactions Group.

Daniel has over 20 years of experience in the areas of trade credit, commercial litigation and insolvency. Daniel represents insurers, large corporates, SMEs and insolvency practitioners.

Daniel is a leading expert in the rights and obligations under the Personal Property Securities Act 2009 (“PPSA”).

Daniel has represented various trade creditors and insurers in relation to high profile insolvencies including Clive Peeters, Angus & Robertson, RCR, Timbercorp, WOW Sight and Sound and Retravision Southern.


Darren Tran

 Position: Senior Risk Officer | MoneyPlace

Darren Tran is a Senior Risk Manager at MoneyPlace - Melbourne’s first retail peer-to-peer lender.Darren has over 10 years of experience in the banking and finance sector with his career spanning across retail modelling, SME lending, credit risk, fraud analytics and collections. More recently Darren has been heavily involved with managing and evolving MoneyPlace’s industry leading risk base pricing strategies with a heavy focus on comprehensive credit reporting, transactional data and emerging alternative data sources.

David Locke

 Position: Chief Ombudsman and CEO | Australian Financial Complaints Authority

David Locke started as Chief Ombudsman and CEO at the Australian Financial Complaints Authority (AFCA) on 25 June 2018.David was previously Assistant Commissioner Charity Services at the Australian Charities and Not-for-profits Commission (ACNC). Prior to the ACNC, David was the Executive Director of Charity Services at the Charity Commission of England and Wales. David has also worked as an adviser to several international governments on the regulation of non-government organisations.

Debbie Leo micm

 Position: General Manager | Corporate Accounts | Equifax

Debbie Leo joined Equifax in 2004 and has held various management roles in both consumer and commercial risk management.

Throughout her extensive risk management career spanning over 30 years, she has held prominent sales, operations and outsourcing roles with Australian credit reporting agencies. In her current role at Equifax, Debbie’s team of 48 Sales Executives support and deliver solutions to customers across 18 different sectors.

Debbie’s focus and passion for helping her customers has led to her involvement in the AICM’s Women in Credit initiative, which has grown in reach to over 700 attendees this year. Debbie has been a judge for the Credit Team of the Year Award since 2012.

Debbie’s qualifications include an MBA from UTS and is a member of the Australian Institute of Company Directors. Currently Debbie sits on the boards of The AICM and Creditworks Pty Ltd.

Elsa markula

 Position: Legal and Regulatory Affairs Manager | Australian Retail Credit Association

Elsa Markula is the Legal & Regulatory Affairs Manager at the Australian Retail Credit Association (ARCA). Elsa’s role at ARCA has focussed on providing legal and compliance advice on the legal framework for credit reporting, as well as tackling technical compliance and legal issues related to credit reporting.

In her time at ARCA, Elsa has also been involved in the finalisation of the Privacy (Credit Reporting) Code (CR Code) and has led two variations to the CR Code, and the development of an industry code for data exchange, called the Principles of Reciprocity and Data Exchange (PRDE). Elsa previously was a case manager at the Financial Ombudsman Service, and prior to that was a legal practitioner in private practice, specialising in commercial litigation, insolvency and general civil litigation. Elsa has taught Consumer Law (including Consumer Credit) at the Leo Cussen Institute, and has volunteered on a weekly basis for the Fitzroy Legal Service in Melbourne, and most recently the Suncoast Community Legal Centre on the Sunshine Coast.

dr eva tsahuridu

 Position: Associate Professor and Industry Fellow at the School of Accounting | RMIT

Dr Eva Tsahuridu is an Associate Professor and Industry Fellow at the School of Accounting, RMIT University who has published extensively in areas of business ethics, whistleblowing, and governance. Formerly,  CPA Australia’s Manager of Accounting Policy and the Professional Standards and Governance Policy Adviser,  Eva represented CPA Australia at the ASX Corporate Governance Council and served as a technical advisor to the International Ethics Standards Board for Accountants.


Gavin Mccosker

 Position: Deputy Chief Executive and Registrar of Personal Property Securities | Australian Financial Security Authority

Gavin McCosker joined us in 2009 and until January 2016, was our Chief Operating Officer. In this role, Gavin oversaw our corporate support teams including Finance, People and Capability, Information and Communications Technology Services, Client Services and national administration and governance functions.

Gavin was appointed as the PPS Registrar on 31 October 2014 and was responsible for the operations of the Personal Property Securities regime and was the senior executive responsible for defining our approach to the development of organisational strategy. Gavin also maintained responsibilities as Chief Audit Executive and Agency Security Executive.

In January 2016, Gavin transferred to take up the position of Senior Financial Sector Specialist with the International Finance Corporation (IFC), an arm of the World Bank. In November 2017, Gavin returned to AFSA as our Chief Operating Officer. He is now AFSA’s Deputy Chief Executive, Chief Operating Officer and Registrar of Personal Property Securities.

Gavin holds Masters of Business Administration and Bachelor of Commerce degrees and is a member of the Australian Institute of Company Directors.

Grant De leeuw

 Position: Commercial Director- Product | Illion

illion is the leading independent provider of trusted data and analytics products and services in Australasia, with the company’s consumer and commercial credit registries forming an important element of Australia and New Zealand’s financial ecosystem.

Grant is a highly skilled sales director with extensive experience in entering new markets and enhancing commercial development. Grant joined illion Digital Tech Solutions (formerly TALKINGTECH) in 2012, and spearheaded the company’s year-over-year growth within Europe. Prior to joining illion, Grant was the European Business Development Director for Telecom New Zealand International. In this role, Grant led the entry into new international markets and the establishment of trading relationships within the Middle East including Qatar, UAE and Saudi Arabia.

Grant is passionate about using digital as an opportunity to enhance customer experiences, using his knowledge of collections, payments and omni-channel communications to drive this forward.

Ian dorey

 Position: Partner | K&L Gates

Ian has a great depth of experience in all areas of insolvency, banking, recovery, and commercial litigation. His main focus is in the area of secured recovery, where he advises major banks, regional banks and other financial institutions on banking, insolvency, and recovery issues. He concentrates on providing practical commercial advice to clients to get the best possible outcome.

Mr. Dorey also acts for insolvency practitioners appointed as receivers and managers, voluntary administrators, liquidators or trustees in bankruptcy. He has been involved in litigation of all sizes in Australian state and federal jurisdictions, including matters involving injunctive and declaratory relief, complex banking litigation, mortgage recovery, and debt recovery, including recovery against guarantors and principal debtors where a shortfall exists.

Mr. Dorey has participated in numerous mediations and is a supporter of alternative dispute resolution processes.


James Cochrane

 Position: Partner | Stance Hammond Lawyers

James is a partner of New Zealand commercial law firm Stace Hammond.

Stace Hammond, which has been advising clients since 1912, has offices in Auckland, Hamilton and Tauranga.

 He specialises in dispute resolution, mainly relating to debt recovery, insolvency, PPSA security enforcement and priority issues, shareholder disputes, director liability, and trade credit insurance.

 He represents a range of clients including:

  • Creditors and debtors - in relation to personal property securities registration, insolvencies, priority disputes and security enforcement
  • Trade credit insurers and brokers, collections agencies and their customers - in debt recovery and insolvency matters
  • Insolvency  practitioners  - in relation to company  liquidation,  voluntary  administration  and  receiverships, voidable  transactions, director and shareholder liability, and personal property securities issues 

Before becoming a partner of Stace Hammond, James worked for two large top tier national law firms and a top tier boutique insurance litigation firm. At the latter he completed a secondment to an insurance underwriting agency where he was a complex claims handler for financial lines.

James is the Vice President of the Auckland committee for the New Zealand Credit Finance Institute (NZCFI) – the New Zealand equivalent of AICM - and a member of the Restructuring & Turnaround Association of New Zealand (RITANZ) (formerly INSOL).

He has a BA/LLB and a Master of Laws with First Class Honours specializing in commercial law (LLM first Hons) from the University of Auckland

James Neate LICM CCE

Position: Partner | Lynch Meyer Lawyers

James is a senior Lawyer who has been active in the AICM for 25 years in a series of roles as educator/presenter, State Councillor, Division President, Director of Legal Affairs and National President until October 2018. 
James acts for creditors, collection agents and all types of insolvency practitioners and so understands the whole credit cycle from every perspective.

He has combined his professional working life with his involvement with the AICM given the ever increasing complexities of specialist credit/ recovery/ PPSA/ insolvency law. James acts nationally to protect creditors. He brings to bear his broader experience in acting for creditors or insolvency practitioners. There is not a commercial/ recovery/ insolvency dispute that James has not seen from the inside from every angle for all the stakeholder players.


 Position: Chief Executive Officer | Australian Chamber Of Commerce

James leads Australia’s largest and most representative business network.

He has held senior policy roles in Federal and State governments; led corporate affairs for large public companies; and supported his wife in their small family business.

As a diplomat and trade negotiator, he represented Australia in Africa, the Pacific and China.

James has a MBA from Deakin University, a Psychology Degree from the University of Western Australia and is a Fellow of the Australian Institute of Management and the Australian Institute of Company Directors.

He is married with three children and a grandson; loves sailing but has to settle for riding a bike around Lake Burley Griffin, and supports the Fremantle Dockers in the AFL.

James wants to make our country the best place in the world to do business. So that Australians have the jobs, living standards and opportunities to which they aspire.

Janice Thomason MICM

 Position: Head of Credit and Risk | Cummins South Pacific

Janice is a passionate credit manager with over 40 years experience in the industry. She has worked in the UK and South Africa for large companies including Dell, L’Oreal and Total Gas and Power and moved to Australia in 2014. Janice is currently employed with Cummins South Pacific as the National Credit Manager.

In 2006 Janice was awarded Credit Manager of the Year by the ICM in South Africa and also received the notable accolade of Team of the Year in the same year. Janice has taught credit courses behalf of the ICM at Damelin College in South Africa.

Janice is enthusiastic about credit management and is motivated to entice more individuals and millennials to join the world of credit. Janice’s aim is to be instrumental in improving and driving the credit industry to the next level.

Jodie Bedoya

 Position: Director | eMatrix

Jodie Bedoya is Founder and Director of eMatrix, which she began in 2009. With over 25 years experience in the credit and collections industry, Jodie is one of Australia’s leading debt collection training specialists.

With her beginnings in finance, Jodie moved on to hold key executive, operational and training management roles, in debt collection, debt purchase and insurance recoveries organisations, including Chief Executive Officer of Recoveries Corporation Limited. In 2006, she was a finalist in the Australian Financial Review BOSS Magazine’s ‘Young Executive of the Year’ awards.

Understanding that a collections conversation is a skill most people don’t have naturally, Jodie identified a disconnect between collection staff and their customers. From this eMatrix was formed and a training platform developed to assist organisations make sense of the balance between working with customers who are experiencing financial difficulty and the need to collect money owed.

Jo Marshall

 Position: Chief Culturiser | Culturise

With a strong background in management and executive leadership Jo Marshall is the ANZ expert on creating great workplaces for ALL people.
Jo is the only person in ANZ uniquely combining the practical leadership tools that simultaneously achieve improvements in values and behaviours, individual and cultural resilience, safety, accountability and leadership skills. These tools rapidly step change your organizational culture. Working with Jo will leave you with high performing teams, a self-sustaining culture and a better bottom line.

Specialties: Resilient Cultures, Culture Mapping, Diversity and Inclusion, Cultures of Safety, Emotional Intelligence, Unconscious Bias, Leadership Coaching, Performance Management, Public Speaking, Customer Service and Sales Strategy and Training, Franchisee Engagement and Training

John Price

 Position: Commissioner | ASIC

John Price BA, LLB (Hons) (Queensland)

John Price commenced as an ASIC Commissioner on 21 March 2012.

He has 20 years regulatory experience including a variety of regulatory roles at ASIC relating to policy making, fundraising, mergers and acquisitions, financial services and products, licensing, insolvency, ASIC's Registry and financial reporting and audit.

John was previously a member of CAMAC, an advisory body to Government on corporate and markets issues and also the Financial Reporting Council, a body providing broad oversight of various accounting and audit-related issues in Australia.

John is a current member of the Council of Financial Regulators, the coordinating body for Australia's main financial regulatory agencies. John is the sponsor of ASIC's innovation hub, an initiative to help innovative fintech startups offering financial products or financial services in Australia. He also leads ASIC's work helping small business and cutting red-tape.

Prior to joining ASIC, John worked in the Gold Coast and Brisbane offices of Corrs Chambers Westgarth, a national law firm.

John Winter 

 Position: CEO | Australian Restructuring Insolvency 

John took on the role of CEO of the Australian Restructuring Insolvency and Turnaround Association in February 2014.John has taken the lead on ARITA’s advocacy and thought-leadership work, fronting many parliamentary inquiries on behalf of the profession and working collaboratively with stakeholders such as Treasury, Attorney-General’s, Productivity Commission, ASIC and AFSA on policy development.
John was previously the Head of ACCA Australia and New Zealand. ACCA, the Association of Chartered Certified Accountants, is the global body for professional accountants with close to 600,000 members and students throughout 183 countries.
John’s community service encompassed over 20 years as a volunteer firefighter in the NSW Rural Fire Service, where he served as Captain of a Sydney-based Rural Fire Brigade and was awarded Life Membership in 2014. He was a State Executive (Board) Member of the NSW Rural Fire Service Association from 1998 to 1999.
He was a Councillor on Sydney’s Pittwater Council from 1992-1995, including serving a term as Deputy Mayor.
Jon Malone

 Position: General Manager AML | Equifax

 Jon joined the Equifax AML, Fraud and Identity Product team 6 weeks ago, after 23 years in the Banking and Finance industry.  Jons previous roles include Head of Fraud at GE Capital, Head of Credit Risk for Westpac Consumer and SME portfolios, and Head of Credit Risk and Fraud at CUA after moving back to his native Brisbane.

Jon holds undergraduate degrees in Mathematics and post graduate qualifications in Statistics and Operations Research.

Kelly Trenfield

 Position: Senior Managing Director | FTI Consulting

Kelly Trenfield is a Senior Managing Director in the Corporate Finance & Restructuring segment at FTI Consulting and is based in Brisbane, Australia. Kelly has more than 25 years of experience, 20 of which are in corporate finance.
Kelly has extensive experience in all facets of corporate and personal insolvency, including formal and informal administrations, independent business and fraud reviews, turnaround and business consulting. She has led successful engagements across a wide range of industries, most recently within the mining and mining services, property and construction industries.

As a result of her leadership and expertise in operational and trading aspects, she has taken the helm of some of the highest profile and largest corporate collapses in Australia.


LeigH Berkley

 Position: Director of External Affairs and Development | Arrow Global Group

Leigh Berkley has over 30 years' experience in the credit industry.  He is a Chartered Accountant, and having owned respected debt buyer Tessera Group for 20 years, he sold to Arrow Global and joined them in 2015 as Director of External Affairs.

Leigh has been active in Australia as a Director of ASX-listed Collection House since 2016, and as Chairman since November 2017. Having achieved Australian residency this year, Leigh has now divested most of his European roles and will be spending more time in Australia.

Leigh enjoyed more than 10 years of UK trade association leadership, as Chair of the Debt Buyers and Sellers Group, various posts including 3 years as President of the Credit Services Association, and Director of the Money Advice Liaison Group. He served as Vice President of the European umbrella body FENCA for the last three years, and was 2019 President of the International Collectors Group. He is also a Trustee of the Fair Life charity, promoting financial education in schools.

Leigh has led numerous European lobbying efforts.  As CSA President he saw the UK sector through its transition to the Financial Conduct Authority in 2014, and has worked intensively on the EU General Data Protection Regulation (GDPR) and the forthcoming EU NPL Directive. He led the development of the ground-breaking FENCA Code of Conduct for GDPR for the credit industry, which has now been submitted to the European Data Protection Board for final approval.  In Australia, he also assisted the ACDBA to develop its Code of Practice, and is highly supportive of CLH’s involvement in AICM, the National Hardship Register and other customer-centric initiatives.

Lindsay adams

 Position: CEO | Teamocracy

Lindsay Adams is a practiced speaking professional, workshop facilitator and relationship management specialist.  With over 20 years of relationship-marketing experience, Lindsay’s focus is on building relationships to enhance leadership skills, build teams and increase sales.  Lindsay’s customised keynote presentations and workshops are tailored to meet specific business needs and provide educational information in an entertaining way.
Lindsay has worked with executive teams, entrepreneurs and business owners across Australia, Asia, Europe and the United States.  He won't just 'tell' you the principles of the topic, he will help you put them into action.  His content rich presentations and follow-up advice help you and your team apply life and business changing principles to their everyday behaviour to achieve long term success and goal fulfilment.
Lindsay was the 2009-2010 International President of the Global Speakers Federation and is a Past National President of Professional Speakers Australia.  In December 2013 he was awarded the first CSPGlobal designation by the Global Speakers Federation, this designation recognises speakers at the top of their game that work regularly across International borders. 
In 2013 Lindsay was recognised by his peers and awarded a Life Membership of Professional Speakers Australia in recognition of his speaking prowess and service to the industry both locally and internationally.

 Position: Group Managing Director | Equifax

Lisa was appointed Group Managing Director Equifax Australia and New Zealand in August
2019. Prior to this appointment Lisa held the role of President, Equifax Canada from
January 2015, where she led a team of over 1,000 employees focused on driving innovation
and insights designed to help customers win in their markets. Investing in a positive client
experience built on three key enablers of: employee engagement, technology and

Lisa tripled the annual growth of the Canadian operation during her tenure.
Lisa also held the role of Senior Vice President of Enterprise Alliances for the core U.S.
Equifax business (USIS). Prior to joining Equifax, Lisa was Vice President of Global Scoring
Solutions for FICO, overseeing the sale and delivery of scoring services to clients worldwide.
She also held executive positions with FIS and Deluxe Corporation


Lou Caldararo LICM cce

 Position: South East Region Credit Manager | Landmark Operations Ltd

When it comes to people of influence in the Credit Management industry, you can’t look past Australian Institute of Credit Management Vic/Tas State President, Lou Caldararo. Holding a Diploma in Financial Services and currently working as the Regional Credit Manager of Landmark, Lou is the go-to guy when it comes to all things credit.

As knowledgeable as he is approachable, Lou’s 30 years’ experience within the credit industry across various industries such as paper, transport, telecommunications and wholesale sectors, has seen him learn, network, and grow alongside credit management developments.
Lou has experienced, first-hand, the technological advancements that are currently impacting and shaping the role of a credit manager and the impact these advancements have on the ability to improve the accounts receivable process.

While technology and data appear to be the leading processes in credit management advancements, Lou strongly encourages the continual importance of face-to-face communication with customers. ‘It is a great way to develop a strong relationship with customers, and get debts paid a lot faster. Face-to-face communication will never be out-dated’.

The professional relationships that Lou has made over his 30-year credit career has helped him to become an influencer who educates others on the best practices to adopt when working as a credit professional. ‘It’s important to continue to educate. This will ultimately help to increase cash flow’, explains Caldararo.

An AICM member since 1991, Lou has been on the AICM Council for 7 years and serves as the Vic/Tas President with responsibility for the CCE and representation. Lou was granted Life Membership by the AICM in recognition of his knowledge, experience and contribution to the industry.

Maria Schandl

 Position: National Credit Manager | Stoddart Group

Maria is the National Credit Manager of Stoddart Group where she has been for nearly 10 years, and has been in the Credit industry for over 18 years. 

She has a Cert IV Financial Services (Credit Management) & Diploma Financial Services (Credit Management) and has been an AICM Member for 15 years. Maria was announced as the QLD Young Credit Professional (YCP) in 2004 and won the National YCP award in 2009.  Maria is also an alternate Director of the BICB, a member of Qld Council and a member of the WINC committee.

In her spare time she is studying a Bachelor of Business

Mark Stockwell

 Position: Project Manager e-Invoicing | Australian Taxation Office

Mark is leading delivery of the trans-Tasman e-invoicing initiative in partnership with the New Zealand Government. E invoicing is estimated to result in economy-wide benefits of up to $28 billion over 10 years. Mark was previously a program manager for the government’s SuperStream initiative, delivering significant benefits to Employers and Superannuation funds.

Melissa Belle ISLe 

 Position: Taxation and Corporations Law Lecturer | Griffith University 

Melissa is a Lecturer in Taxation and Corporations Law. She holds an honours degree in Accounting and a Bachelor of Commerce from Griffith University. Melissa’s teaching areas include Taxation Law, Company Law, Business Law and Accounting. Melissa also has life experience in co-owning and managing a small business in Queensland which motivates her research interest of taxation and cash flow of small businesses in Australia.

Melissa has published in the Australian Tax Forum, eJournal of Taxation, Journal of Australian Taxation and Journal of the Australasian Tax Teachers Association. She has also submitted recommendations to the Small Business Ombudsman ‘Small Business Payment Times and Practices Inquiry.’

Melissa is currently undertaking a PhD in Accounting and Tax relating to the cash flow of Australian small service related businesses and the interaction with taxation and small business owner literacy. Melissa was a recipient of an Australian Postgraduate full scholarship for her PhD research project and has received numerous scholarships to attend conferences throughout Australia.



 Position: Group Managing Director |  Australia & New Zealand, Equifax

A highly focused and outcomes driven senior executive, with almost 20 years of industry experience in telecommunications, media and data services, delivering customer value from technology and data insights. In this time, I have built a successful career across the B2B and B2C segments with strong competencies in P&L management involving product management & development, sales and strategy.

* Customer Acquisition & Retention
* Award Winning Product Development & Innovation
* Product Marketing Strategy and Portfolio Management
* Proven Team Leadership & Employee Engagement
* Government Engagement & Liaison
* Strong Stakeholder Management
* M&A Activity



 Position: Partner | Deloitte Access Economics

Nicki Hutley is a highly experienced economist, with broad-based expertise in macro- and micro-economic modelling and analysis, gained over nearly three decades of practice in financial and investment markets and consulting.

She leads Deloitte Access Economics’ Urban Economics practice, which covers issues such as social and economic infrastructure investment, urban renewal, precinct planning, affordable housing, climate mitigation and adaptation, and overcoming disadvantage.

Her clients include all levels of government and the private sector and she is passionate about using economics to improve the quality of lives through well-reasoned policy.

Nicki is a regular commentator on economic and financial issues in the media and is a sought-after keynote speaker.

Nick Pilavidis FICM CCE

Position: CEO | AICM

Nick is an experienced credit professional with over 20 years’ experience.

He has held roles in technology, property management and debt collection both in Australia and the UK.  Prior to taking on the full time CEO role at the AICM he was National Credit Manager at Ricoh Australia.

Nick was the 2005 Australian Young Credit Professional of the Year and served as a volunteer on the NSW Council and National Board. He holds a CCE and is a CPA.

Outside of credit he enjoys spending time with his family and occasionally finds time to watch a game of Rugby Union. 


Nikki Dennis micm

 Position: Training Solutions Consultant | eMatrix

Nikki’s experience within the collections industry in Australia has spanned over 17 years, most of which has been within a solutions-based sales and client relationship capacity. Commencing her sales career in the UK, she moved to Australia in 2002 and worked as a Business Development Manager in a small collection agency. Nikki was then recruited by one of the largest Debt Collection Companies within Australia and worked her way up through various State/Regional and National Sales roles culminating in Sales Director and managing the sales team and client relationships for the Australian business. Throughout that time, Nikki has been committed to developing meaningful and proactive partnerships across Commercial, Essential Services, Government and Banking/Finance sectors, creating tailored solutions for the outsourcing of collections and hardship requirements in line with industry sector legislation and regulation.

Most recently, Nikki has set up her own consulting business and is working with eMatrix training helping to deliver collections and vulnerability training to a wide range of organisations. The training solutions (encompassing genuine and respectful collections conversations, payment difficulty and family violence awareness), coupled with her depth of industry knowledge, assist organisations to balance their commercial outcomes with payment difficulty and the social needs of the customer. Nikki is also consultant to and co-founder of CollectAU, an Australian collection agency. Nikki continues to be a regular contributor to various industry publications, demonstrating a clear understanding of key challenges faced by collections departments in ever changing times.


Rob  Fellowes

 Position: Customer Focused Transactions Lead | Corporate Finance | Woolworths

Rob Fellowes currently holds the role of Customer Focused Transactions Services Lead, Corporate Finance within Woolworths. He joined Woolworths in 2004 and during his tenure has worked across various functional areas of the business including Finance, Information Technology and Operations.

In his current role Rob is responsible for a team of 140 finance professionals responsible for the Groups Banking, Accounts Receivable and Accounts Payable functions. This includes Group operations spanning across Australia, New Zealand, China and Hong Kong.

Rob has a passion for continuous improvement, culture and people development. He would be described by others as a collaborative, optimistic and outcome focused leader who has a real passion for the growth of others.

Outside of work he is devoted husband and father to two amazing children and enjoys playing golf, running and traveling abroad.

Robyn Erskine MICM

 Position: Partner | Brooke Bird

Robyn Erskine is a Partner of Brooke Bird a Melbourne based Insolvency and Restructuring practice and has been actively involved in the insolvency industry over the last 30 years where she has undertaken a wide range of formal and informal assignments in diverse industry segments.  She is a Registered Trustee in Bankruptcy and a Registered Liquidator.  

Robyn is a director of ARITA where she was President from 2011-2013. 


Rosemarie Price

 Position: Manager Retail Credit & Receipting | Ergon Energy Retail

Rosemarie Price is the Manager of Credit & Receipting at Ergon Energy Retail. Rosemarie has worked for Ergon Energy, a Queensland Government electricity retailer for 17 years in various financial management, customer service/dispute resolution and credit management roles.

Rosemarie’s current role encompasses the credit management and receipting functions of Ergon Energy Queensland (EEQ) to effectively manage exposure to credit risk and inefficient payment processing by ensuring the delivery of effective customer engagement and optimal receipting practices.

Rosemarie holds a Bachelor of Business Degree and a Master of Financial Management Degree from Central Queensland University. She is a strong advocate of personalised staff development and engagement that highlights the value each staff member adds to the business and how this translates to increased confidence in management of customer issues, particularly in times of constant change and affordability stressors.


 Position: Director of Regulation | Australian Financial Security Authority

Tim Cole is a Director in AFSA’s Regulation and Enforcement division. Tim is responsible for the carrying out of the operational and strategic direction for the regulation of personal insolvency practitioners. Tim has a Bachelor of Commerce degree from the University of Queensland and is a member of Chartered Accountants Australia and New Zealand. Prior to joining AFSA in 2001, Tim worked in London and Papua New Guinea as well as 6 years in what was then known as Coopers and Lybrand. Tim has over 25 years experience in the insolvency industry from a banking, private practice and government perspective.

tim timchur

 Position: Director, Consultant, Advisor | 365 Architects

Tim is Non-executive Director of Governance Institute of Australia and Managing Director of 365 Architects, a technology company that delivers solutions across cloud applications, robotic process automation, artificial intelligence and cybersecurity.  Tim is a Fellow Certified Practicing Accountant, Certified Practicing Marketer and Chartered Secretary. 

TIna Winchester

 Position: Director Mental Health | Mentally Well Workplaces

Originally from the UK Tina has 25+ years’ experience working in Mental Health Services, predominantly in Service Improvement across primary, secondary and tertiary services in both inpatient and community settings.

Professionally Tina worked closely with the Department of Health and Department of Psychiatry in the UK, heading up Service Improvement Projects to support the National Service Framework for Mental Health.
Tina is a Co-Founder and Director at the Career Development Centre and Mentally Well Workplaces, is the Head of Employee Assistance Programs and regular delivers MHFA public and corporate courses and also conducts corporate mental health workshops and regularly guest speaks at seminars and events.

Tina holds qualifications in the following:
• Graduate Certificate in Career Development Practice
• ‘Principal Master’ Mental Health First Aid Instructor
• Upskill to deliver MHFA for NSSI Certificate
• Diploma of Counselling
• Cert IV in Training and Assessment
• PRINCE2 Practitioner – Project Management

Trevor gOODWIN licm cce

 Position: Australian President | AICM

Trevor Goodwin is the current President of the AICM board and AICM member of 23 years. Trevor has held the position of Manager of Credit Services at National Credit Insurance Brokers Pty Ltd for 24 years and has many years of experience and knowledge in banking, credit management and credit insurance. Trevor is a specialist in accountancy, finance, credit management, credit insurance, customer relationships, sales and staff training, his qualifications include:

• Life Member and Certified Credit Executive (CCE) of the AICM
• Fellow of Institute of Public Accountants
• Fellow of Institute of Financial Accountants
• Fellow of the Financial Services Institute of Australasia
• Securities Investigation Agent licence

As a member of the AICM council Trevor helps promote and grow the Institute, educate and train members and encourages member networking. His goal is to continue making a valuable contribution to the industry and business he works for and continue to exceed client expectations.


Troy Mulder MICM CCE

 Position: Manager, Customer Operations | Alinta Energy

Troy Mulder has more than 25 years' experience in all areas of credit management, spanning a diverse range of industries from debt collection, insurance to retail banking and utilities. Troy is a proven and trusted senior credit management professional and people leader whose wealth of knowledge and experience is widely recognised within the credit industry.

He is currently a councillor of the WA Division of the Australian Institute of Credit Management and holds  the position of Manager, Customer Operations at Alinta Energy. Troy is a strong supported of innovation and continual improvement within credit management industry and committed to delivering exemplary service excellence and exceptional results.  

Zara Mends micm

 Position: Account Director |  National Credit Insurance (Brokers) Pty Ltd

Zara Mends has worked at NCI for over 14 years and has had the opportunity to progress through various roles during that time.

Now a part of the NCI Leadership Team, in her current role as Account Director Zara is responsible for managing some of NCI’s largest clients. Zara’s ability to problem solve, influence and negotiate outcomes has been the key to her success. Her client focus and care for NCI’s clients and their businesses has been the main driver of her career.

Zara also manages and mentors a high performing team of 14 people in NCI’s QLD Branch. Zara has been an advocate for and personally responsible for development of her team members and is also actively involved in NCI’s Employee Development Program across the company.

Zara is committed to providing excellent client service and contributing to the personal and professional development of all employees at NCI. Focussed on the future of Trade Credit Insurance and the Credit Industry, Zara is passionate about constantly learning new things and being at the forefront of innovation.