Speakers

Alice Carter MICM CCE

Position: Partner, Lynch Meyer Lawyers

Alice practices in Lynch Meyer Lawyers insolvency and debt recovery team. She has a busy debt collection practice and focuses on providing local and interstate clients with exceptional service levels by ensuring she understands their business to deliver commercial advice and outcomes in the most cost-effective way.

Alice has assisted in representing creditors in resolving and/or defending unfair preference claims, acted for individuals in respect of bankruptcy, company’s in respect of liquidation, and provided advice in respect of the Personal Properties Security Act. Alice regularly appears in all Court jurisdictions for debt collection, personal and corporate insolvency.

In 2017, Alice was recognised as the Australian Institute of Credit Management’s Young Credit Professional of the Year for South Australia. Alice is the President of the Women’s Insolvency Network of South Australia (winSA), President of the South Australian division of AICM and a member of ARITA. In 2016, Alice became a Certified Credit Executive.

 

Alison Said MICM

 Position: Credit & Payments Manager, AGL Energy

Alison Said is the Credit & Payments Manager at AGL Energy. Prior to joining AGL in 2018, Alison also held senior credit roles at IAG & Pacific Brands.

In 2012, Alison was awarded the AICM Young Credit Professional Award Vic/Tas. In 2014, Alison’s IAG Credit team was selected as a finalist in the AICM Credit Team of the Year. More recently, Alison led her AGL Credit team to be crowned the 2019 AICM Credit Team of the Year. 

Alison has been an active member with the AICM since 2011 and has held various Vic/Tas Council roles on the Vic/Tas Council since 2012. Currently, Alison is busier than ever at home on maternity leave with her 6-month-old son Ari, and 4-year-old daughter Zoe. 

 

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 20 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

 

Andrew Castledine MICM

Position: Head of B2B Commercial, Equifax

Andrew joined Equifax in 2011 and leads the B2B Commercial Segment. Andrew's team is responsible for building strong relationships with some of Australia's largest corporate entities. Providing trusted advice and insights into the commercial risk market in Australia.

  

Andrew Charlton

 Position: Director, AlphaBeta Australia

Andrew Charlton is one of Australia’s leading economists. As Co-founder and Director of AlphaBeta, he leads a strategic advisory business serving some of Australia’s largest businesses. Andrew previously served as Senior Economic Adviser to the Prime Minister. He holds a Master's and Doctorate in Economics from Oxford Economics where he was a Rhodes Scholar. 

 
ANna Taylor

Position: Principal, Results Legal

Driven by a desire to achieve outstanding results in every matter, Anna has been providing clients with successful outcomes in commercial litigation, specialising in legal recovery, commercial litigation and insolvency (both personal and corporate). Client-focused in her approach,

Anna handles all matters with the highest level of attention to each client’s individual requirements. Experienced in both state and federal court jurisdictions, Anna’s record demonstrates a clear ability to resolve matters quickly and efficiently whilst promoting the client’s objective at all times.

 

Arthur Tchetchenian

Position: Credit Manager, TAFE NSW

Arthur has almost 30 years of experience as a credit professional having worked across a number of industries mainly healthcare & pharmaceutical, home entertainment, roads and transport and more recently education in his current role as the Credit Manager at TAFE NSW.

Arthur has served as a councillor on the AICM NSW Council for the past 12 years, he is also a delegate on the AICM Consumer Credit Advisory Committee and holds a CCE qualification since 2012.

Outside of credit Arthur passionately supports the St George Dragons and enjoys spending time with his family.

 

DR Ben Gauntlett

 Position: Commonwealth Disability Discrimination Commissioner, Australian Human Rights Commission

Ben Gauntlett commenced his term as Disability Discrimination Commissioner at the Australian Human Rights Commission on May 7, 2019.

As Disability Discrimination Commissioner, Ben has presented to the United Nations Committee on the Rights of Persons with Disabilities in Geneva, presented at the United Nations Conference of State Parties in New York and was a witness before the Royal Commission into Aged Care Quality and Safety.

Ben is a quadriplegic following a schoolboy rugby union accident aged 16 in Perth, Western Australia. He has the experience of a person living with a disability and accessing care in Australia (Western Australia, Victoria, New South Wales and the Australian Capital Territory), the United Kingdom and the United States of America.

Prior to being appointed as Disability Discrimination Commissioner, Ben worked as a barrister in Western Australia and Victoria with a broad ranging practice. He has also worked as an associate to the Honourable Justice Kenneth Hayne AC at the High Court of Australia, as Counsel Assisting the Solicitor-General of the Commonwealth and taught law in Australia and the United Kingdom.

Ben holds undergraduate degrees in Law (Hons) and Commerce from the University of Western Australia and was awarded the Rhodes Scholarship for Western Australia in 2003. He also holds a Master of Laws from New York University and a D.Phil. in Law from the University of Oxford.

 

Craig Butler MICM

Position: Credit Strategy Manager, Synergy

Craig joined Synergy (Western Australia’s largest integrated electricity generator and energy retailer with more than 1.1 million customers) in June 1985 and has worked in several areas including Field Services, Gas and Electricity Distribution, Retail and Collections over more than 35 years. C

Craig has more recently been a part of multiple cross-functional teams operating under the ‘Agile’ Way of Working focusing primarily in the design, creation and deployment of a new risk-based collection strategy with a focus on providing dynamic, agile customer-centric solutions. Craig is currently a SME represented the ‘Customer Experience’ team in the development of multiple Hardship programs to provide a positive and engaging experience where Synergy’s most vulnerable customers receive timely assistance through multiple channels and developing trust with customers and partners.

 

DaNiel Turk MICM

 Position: Practice Head, TurksLegal

Daniel joined TurksLegal in 2005 and is the practice head of our Commercial Disputes & Transactions Group. Daniel has over 17 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, Borders Bookstores, Timbercorp, WOW Sight and Sound and Retravision.

   

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 over 50 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 she is a member of the Australian Institute of Company Directors. Currently, Debbie sits on the boards of The AICM and Creditworks Pty Ltd.

 

Diana Ennis

Position: Executive General Manager - Resolution, Australian Financial Complaints Authority (AFCA) 

Diana Ennis has over 30 years’ experience as a lawyer. Prior to becoming Executive General Manager Resolution, Diana held various senior positions at one of AFCA’s predecessor schemes, the Financial Ombudsman Service (FOS). 

Before joining FOS, Diana worked as a private commercial litigation lawyer. 

Diana holds a Bachelor of Arts and Bachelor of Laws from the University of Melbourne. She was admitted to practice as a barrister and solicitor of the Supreme Court of Victoria and High Court of Australia in 1984. 

She has also completed a Graduate Certificate of Management at Harvard and is a trained mediator.

Eric Maisonhaute

 Position: Director of Accounts Receivable Solutions, Esker ANZ

Eric has 24 years of experience in helping companies automating their business processes across Europe, US and Australia/New Zealand, with a particular focus on Procure-To-Pay and Order-To-Cash processes.

After having started at Esker HQ in Lyon, France in 1996 where he was in charge of the International Technical Support, providing advanced support for all Esker subsidiaries and partners worldwide, he joined Esker Australia in 2003 where he helped selling and implementing Esker's solutions at Johnson & Johnson, Travelex, James Hardie, Orica, Siemens, etc. In 2009, Eric went back to Esker HQ to lead the implementation of Esker projects across Europe for large customers such BASF, Linde Gas, Thomson Reuters, Honeywell, etc.

As it sometimes happens in life, an opportunity to work for a start-up specialised in e-Invoicing and Supply Chain Finance in San Francisco led him to leave Esker. After few years, he and his family realised they were missing Australia too much and decided to come back to Sydney. After few years working for SAP Concur, Eric re-joined Esker Australia in October 2018 in order to develop the portfolio of Accounts Receivable solutions and launch new Esker AR solutions on the ANZ market.

Eric holds a Master from INSA Lyon, ranked as one of the best Engineering School for Computer Engineering in France.

 

Fiona Guthrie AM

Position: Executive Director, Financial Counselling Australia

Fiona started her career in consumer advocacy as a voluntary financial counsellor at Caxton Legal Centre in Brisbane, and in 1990 helped set up the Financial Counsellors Association of Queensland.

She has now been involved with the consumer movement for over 30 years, including a number of years on the executive of the Consumers’ Federation of Australia. She’s a former board member of Energex Retail, the Insurance Ombudsman Service and the Financial Ombudsman Service, and a former chair of ASIC’s Consumer Advisory Panel.

She joined FCA as CEO in mid-2009, is a member of the boards of Way Forward Debt Solutions, consumer advocacy group, Choice and the Queensland Competition Authority. She also represents FCA on the ACCC’s Consumer Consultative Committee. She holds a B.A., L.L.B and M.B.A. and in 2017 was a recipient of an Order of Australia for significant service to the community through social welfare and financial counselling roles.

Fiona’s passion for fairness and belief that everyone deserves a fair go drives her work. Her vision is to strengthen FCA’s role as a trusted voice around financial hardship, and to secure adequate and sustainable funding for financial counselling.

Gavin Mccosker

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

Gavin McCosker joined the Australian Financial Security Authority (AFSA) in 2009 and until January 2016, was Chief Operating Officer. In this role, Gavin oversaw 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.

 

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 as 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.

 

Jan Stieger

Position: Executive Director, Receivables Management Association International

Jan Stieger, CAE, a 30-year veteran of association management, serves as Executive Director of Receivables Management Association International (RMAI), the trade association representing 550 member organizations in the accounts receivables industry.

Jan brings a wealth of experience in financial services, strategic planning, regulatory and legislative issues, international affairs, and credit and risk management. In 2018 and again in 2019, Jan was recognized as one of the 25 most influential women in the accounts receivables management industry. 

Prior to joining RMAI in 2011, Jan spent nine years leading the California Association of Collectors (CAC), the state affiliate of ACA International. She previously served in leadership roles with the California Optometric Association and the California Pharmacists Association.

 

Jason Harris

Position: Professor of Corporate Law, The University of Sydney 

Jason is Professor of Corporate Law at the University of Sydney Law School where he teaches and researches in the areas of Corporate Law, Insolvency Law and Contracts. Jason's research is focused on the public and private regulation of financially distressed companies, including debt restructuring, voluntary administration, corporate governance and directors’ duties during financial distress and the regulation of corporate groups.

Jason has published widely in these areas with 13 books and over 90 papers in scholarly and professional journals. Jason’s research is frequently cited in Australian courts, including the High Court of Australia as well as in Commonwealth parliamentary committees and by academic works in Australia and internationally.

Jason is an active participant in law reform initiatives through his policy work with the Governance Institute of Australia, the Australian Institute of Company Directors and the Corporations and Insolvency Committees of the Law Council of Australia. 

 

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 Winter 

 Position: CEO, Australian Restructuring Insolvency and Turnaround Association (ARITA)

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.
 
  
Josef Busuttil 

 Position: President, FECMA - Federation of European Credit Management Associations

Josef has sixteen years of experience in the Financial Services Sector, starting his career as a bank official and later joined a leading Maltese financial services company, specializing in financial advice. He is also a qualified financial advisor.

Josef is an intuitive lecturer, speaker, and coach, specialising in trade credit management strategies and cash collection tactics that enable business organisations to gain and sustain competitive advantage in the market, whilst ensuring sound cash flow and long-term profit.

Josef was involved in the setting up of the Malta Association of Credit Management (MACM) and has been administering the Association since its establishment in June 2001.

Josef is a member of the Council of Federation of European Credit Management Associations (FECMA) representing the Maltese trade creditors in this European forum. He is an active council member and after twelve years occupying the role of FECMA Vice President, Josef was elected President of FECMA in 2016. 

   
Kari Mastropasqua

 Position: Chief Data & Analytics Officer Australia & New Zealand, Equifax

Kari Mastropasqua is a forward-thinking analytic professional with 15 + years’ experience in the field.

In her current role as EGM Data & Analytics A/NZ she leads a team of 75+ data and analytic professionals who provide insights that make a difference to Equifax clients across the region.

She is a people-focused leader who creates impact through being market-led, evolving organisation capabilities and educating on the power of data and analytics to drive better decision making. As a leader of large teams, she places high importance on rallying a team around a strong vision, creating a culture that encourages innovation with purpose and building strong relationships through trust and transparency. 

 

Naomi Westwood

 Position: Assistant Commissioner Business Information Services, Commonwealth Business Registry Service Australian Taxation Office (ATO)

Naomi Westwood is Assistant Commissioner within the Australian Taxation Office. Her current role is enabling access to Australian Business Register (ABR) data for government and the public. Naomi is also contributing to the Modernising Business Register program, which will bring together 31 business registers from ASIC and the ABR to create a single business registry dataset and introduce director identification numbers. At front of mind for Naomi is creating an ecosystem where the ABR is a valuable contributor of trusted business information and whose services are used by business, governments and communities to unlock economic and social value for Australia.

 

mOSES sAMAHA MICm

 Position: Executive General Manager 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.

Specialties:
* 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

 

Melissa Jarvin MICM

 Position: Senior Associate, TurksLegal

Melissa is a Senior Associate in the Commercial Disputes & Transactions group in TurksLegal’s Brisbane office with the majority of her practice being focused on trade credit recoveries for large creditors and trade credit insurers. Melissa has a great track record when it comes to recovering debts for her clients and isn’t afraid to get creative in order to maximise her clients’ chances of recovery.

Prior to joining TurksLegal, Melissa worked at Brisbane-based commercial law firms specialising in commercial disputes. Her expertise includes contractual disputes, debt recovery, insolvency, employment law and competition and consumer law. Melissa is also experienced in the very specialist area of horticulture produce law.

Michelle Crosby

 Position: Deputy Registrar and Deputy Commissioner, Commonwealth Business Registry Service Australian Taxation Office (ATO)

Michelle Crosby is the Deputy Commissioner of the Commonwealth Business Registry Service business line and also the Deputy Registrar of the Australian Business Register. She is currently leading the Modernising Business Register’s Program which is a transformative program of work across multiple agencies to modernise government business registers. Michelle is committed to developing and supporting flexible working arrangements for staff of all levels. She is an ATO Indigenous Champion and a strong advocate for women in leadership roles at the ATO.

 

Nick Jenkins

 Position: Debt Services Solutions Consultant, Equifax

Nick is a Solutions Consultant for Equifax covering Portfolio Management through to Collections and Recoveries. Nick has over twenty-five years of financial services experience, with senior leadership roles across Collections, Sales, Originations/Underwriting and Regulatory Compliance. Nick was responsible for large collections operations for over eight years including the Head of Collections for Australia & New Zealand. Nick has great experience in strategic and operational processes, people management, relationship management and transformation strategy and execution. 

 

Nick Pilavidis FICM CCE

Position: CEO, AICM

Nick is an accomplished 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. 

 

PAUL shAW

Position: National Manager Regulation & Enforcement, Australian Financial Security Authority (AFSA)

Paul Shaw is the National Manager, Regulation and Enforcement at the Australian Financial Security Authority, responsible for discharging the regulatory and review responsibilities of the Inspector-General in Bankruptcy under the Bankruptcy Act. The enforcement function is responsible for investigating all alleged offences under the Bankruptcy Act and preparing briefs for prosecution.

Paul has been in that position since 2013.

Prior to joining AFSA Paul worked for over 20 years at the Commonwealth Director of Public Prosecutions, where he was in senior management and oversaw commercial prosecution matters in NSW including those referred by ITSA (AFSA) and ASIC, which included the HIH prosecutions.

 Paul Shaw holds both accounting and legal qualifications.

 

Peter Mills

Position: Special Counsel, Thynne + Macartney

 

 

 

Peter Morgan MICM CCE

 Position: Director, Byron Thomas Recruitment

Peter started his career in Credit with Kone PLC in the UK before moving to IBM in Australia. After moving from England to the "lucky country", Australia in 2004, he changed career paths and started in recruitment at Michael Page International and was recognised as one of the top billing recruiters.

In early 2009 Peter made the leap into running his own company and started Byron Thomas Recruitment, specialising in recruiting across the Accounting and Finance space with a specialisation in credit and collections.

In 2010 Byron Thomas Recruitment won the best business services firm, followed by winning the Service Excellence award at the Australian Business Awards in 2015 and the Innovation and Excellence Award.

 

Ross Lambie

Position: Chief Economist, Australian Chamber of Commerce and Industry

 

 

 

Sue Chapple

Position: CEO, Chartered Institute of Credit Management (CICM)

 

 

 

Suzanne Lucas FICM CCE

Position: Director of Finance, Coogans

Suzanne is a senior credit and finance manager with more than 20 years’ experience managing billion-dollar consumer and commercial finance investments.

Suzanne brings an ability to manage a substantial asset on a customer-focused level having worked for Ruralco, Visy and Carlton United Breweries in senior finance and credit positions.

In the last two years, Suzanne has been working for W Coogan and Co as the Head of Credit and is now the Director of Finance for Coogans Group Pty Ltd and a responsible manager on their Australian Credit Licence.

  

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. 

 

Tony Lane

Position: Director, Vincents

Tony Lane is a Director in the Insolvency & Reconstruction division at Vincents and a financial solutions expert, with over 25 years of industry expertise across a range of bankruptcies, voluntary administrations, liquidations and receiverships.

In short, he resolves financial problems for businesses and individuals in a way that is appropriate, efficient, cost-effective and relevant to their circumstances. There is no ‘one-size-fits-all’ approach – each solution is individually tailored, bearing a unique approach and delivery. Importantly, he delivers his services in a way that is empathetic, considered and focussed on delivering balanced outcomes that consider the interests of all stakeholders fairly.

At Vincents Tony is supported by one of the strongest insolvency practices in the country – with 7 expert partners and 50 highly skilled staff – within a national firm of over 230 staff at seven office locations Australia-wide.

 

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.