David Locke – CEO and Chief Ombudsman
David Locke commenced as Chief Ombudsman and CEO at the Financial Ombudsman Service (FOS) and 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, with responsibility for the strategic leadership and operational delivery of the Commission's one-to-one services to charities.
David has also worked as an adviser to several international governments on the regulation of non-government organisations.
David is a qualified lawyer in the UK, and he started his career in community legal centres where he spent over 10 years managing the delivery of services to the public. David has served as a Board member and volunteer of a number of charities and not-for-profits.
June Smith, Deputy Chief Ombudsman
Dr June Smith has a wealth of experience in the financial planning and related sectors, well-developed relationships with regulators, industry and consumer groups and a significant track record as an independent decision maker.
Dr Smith is well recognised for her work developing the role of codes of practice to improve customer service, along with her efforts in promoting professional standards and business ethics in the financial advice industry.
Dr Smith was previously AFCA’s Lead Ombudsman Investments, Advice, Superannuation and Life Insurance. Dr Smith was also CEO of the Code Compliance Monitoring Committee for the Code of Banking Practice, and General Manager of Code Compliance and Monitoring at Financial Ombudsman Service.
Dr Smith has a PhD in Law from Victoria University, specialising in professional and business ethics and organisational decision-making within financial services organisations. She also holds a Bachelor of Arts (Hons) and a Bachelor of Laws degree from the University of Melbourne.
Dr Smith’s current appointments include:
- Member, Victorian Racing Tribunal
- Adjunct Fellow, College of Law and Justice, Victoria University
- Member, Racing Victoria Appeals and Disciplinary Board
- Member, ANZOA
- Graduate Member, Australian Institute of Company Directors
- Member, Women on Boards
Justin Untersteiner, Chief Operating Officer
Justin Untersteiner joined AFCA as Chief Operating Officer in December 2019 and has extensive expertise in leading large scale, significant organisational transformation programs. Justin combines strong relationship management skills with technical knowledge of regulation, procurement, contract management, property management, and financial compliance.
Justin held a variety of leadership roles at the Australian Taxation Office (ATO) over a 13-year career, most recently as the Assistant Commissioner of Integrated Compliance. In this role he was responsible for leading the ATO’s approach to large scale, complex taxation and superannuation matters focussing on compliance in large markets. He designed and delivered the ATO’s strategy and client experience work in the individual taxpayer market with a client base of over 10 million Australians.
Prior to this Justin was the ATO’s Chief Financial Officer, responsible for the agency’s annual budget of $3.5 billion, and has led the ATO’s Corporate Procurement and Tax Management Branch. Justin also brings valuable private sector perspectives and experience from Cadbury Schweppes and Woolworths to his role as COO.
Justin is a passionate advocate for gender equality and workplace equality and flexibility. He has worked throughout his career to build inclusive workplaces that engage, inform and support employees and has designed and implemented a variety of programs to improve outcomes for diverse workforces.
Anna Campbell, General Counsel
Anna Campbell joined AFCA as General Counsel in November 2019 and is experienced senior executive with cross-sector and regulatory expertise. Anna’s extensive knowledge of financial services means she is uniquely positioned to provide expert advice to AFCA on complex legal matters, corporate governance and risk management.
Anna was previously General Manager of Enterprise Compliance at the Australian Securities Exchange (ASX) where she was responsible for the ASX Group's regulatory assurance function, involving Corporations Act licensing obligations, Trade Practices Act requirements and other statutory obligations.
Anna also held the role of Deputy General Counsel at ASX for nine years, after joining the ASX from Allianz where she was Acting General Counsel. She has worked as a lawyer in both the private and public sector and exhibits a breadth of experience in providing expert instruction on a range of matters. Anna is a highly effective operative in developing and leading organisational approaches to management, corporate governance, risk management, and stakeholder management.
Anna holds a Bachelor of Laws from The University of Technology Sydney and a Bachelor of Arts (Hons), Psychology and Economic History from the University of Sydney.
AFCA Leadership team
Diana Ennis, Executive General Manager – Resolution
Diana Ennis has over 30 years of experience as a lawyer. Prior to becoming Executive General Manager – Resolution at AFCA, Diana was the Senior Manager, External Dispute Resolution Teams, Financial Ombudsman Service (FOS) Australia.
Diana has been with AFCA and its predecessor schemes, FOS and the Banking and Financial Services Ombudsman, since 2003. She has held various positions during this time. Before joining the external dispute resolution industry, Diana worked as a commercial litigation lawyer in private practice.
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 April 1984.
She has also completed a Graduate Certificate for Senior Managers at the Melbourne Business School/University of Melbourne and is a trained mediator.
Rob Guest – Executive General Manager, Customer Service and Resolution
As an executive leader, Rob has a passion and focus on customer experience transformation, change and people leadership. He has proven experience leading and building high performing teams, and regularly sponsors and delivers whole of organisation critical change and transformation programs.
Rob has almost 20 years’ leadership experience in a diverse career that has seen him work at senior levels in a variety of organisations including Racing Victoria, Luna Park and member-based organisation Australian Human Resources Institute.
He joined AFCA following eight years with Metro Trains as the Director of Customer Experience where he successfully introduced a customer experience strategic plan, delivering significant customer experience transformation and improvements in passenger satisfaction. During his time at Metro, Rob was the winner of the Victorian Government Disability Awards, Excellence in Accessible Communications and Technology 2016; National Project of the Year - Highly Commended, Customer Service Institute of Australia 2015; Customer Service Award, Australasian Rail Industry 2014.
Rob holds a Masters in International Business from the University of Melbourne, a Graduate Diploma Industrial Relations and Human Resource Management from RMIT University, a Bachelor of Arts (Social Science) from Latrobe University and has completed the AICD Company Directors Program.
Michael Ridgway, Executive General Manager – Compliance, Risk, Policy & Governance
As Executive General Manager – Corporate Strategy & Services, Michael oversees the Finance & Facilities Team, Information Services, and Strategy & Analysis teams at AFCA. Michael has over 20 years of experience in dispute resolution.
Michael has been with AFCA and its predecessor schemes, FOS and the Financial Industry Complaints Service, since 2004, and has held a number of positions during this time, including Executive General Manager – Assessment and Resolution Group. Prior to that Michael worked with the Australian Securities and Investments Commissions and the Energy and Water Ombudsman Victoria in various roles.
Michael is legally qualified and is a qualified mediator.
Hazel Thurlow, Executive General Manager – People and Culture
Hazel has 19 years’ experience in the Human Resources space spanning the Asia Pacific region and into global teams. Throughout her career she has enjoyed leading all facets of the employee lifecycle including the design of HR services and execution of these services across organisations in multiple industries.
Hazel takes a contemporary approach to people strategy development creating HR teams that are key enablers of a business reaching its strategic objectives. She is a firm believer that successful HR teams are recognised for their commercial impact as well as their ability to influence the culture, design and performance of an organisation.
Hazel is a shaper and leader of change, with a leadership style that inspires people towards performance; shines a light on strengths and drives the execution of organisational objectives. Hazel is passionate about creating people experiences that are aligned with organisational values and purpose, something she is delighted to be leading at AFCA.
She is undertaking her Masters in Human Resource Management in October 2019.
Kathy Bowlen, Executive General Manager – Communications and Stakeholder Relations
Kathy has decades of experience in communications and stakeholder relations in high pressure, regulated environments. Kathy has led the media and communications functions the Australian Red Cross Blood Service and St Vincent’s Hospital, in conjunction with a position as Director of Media Savvy, an executive media training and strategic positioning consultancy.
As a former political journalist and presenter of international, national and state-based programs on the Australian Broadcasting Corporation, Kathy has wide experience as a senior reporter of news and current affairs. She is a Graduate of the Australian Institute of Company Directors, and Leadership Victoria.
Kathy’s community involvement has included being a Council member of Swinburne University, Genazzano FCJ College, a junior sports coach, and a Non-Executive Director of the Australian Sustainable Industry Research Centre, and the Next Wave Festival.
Brigid Parsonson – Finance, IT, Procurement and Strategy
Brigid brings significant change, project and commercial expertise developed over 12 years in senior executive positions across the private and public sectors. Prior to joining AFCA in February 2020, she spent seven years with the Australian Taxation Office leading a broad range of corporate services including strategic planning, finance, projects, facilities and procurement. Complimenting her public sector experience, Brigid's background includes working at Ernst & Young as well as internationally at Heathrow Airport, where she oversaw the development of all operational contracts. Brigid effectively leverages her extensive experience to design and implement innovative strategies, improve business outcomes and lead whole of organisation transformation change programs.
Brigid holds a Bachelor of Laws and Bachelor of Commerce (Accounting) from the Australian National University and has been admitted as a solicitor to the Supreme Court of Victoria.
Evelyn Halls – Banking and Finance
Evelyn has over 20 years of experience in the legal and financial services industry. Prior to the establishment of AFCA, Evelyn spent six years as an Ombudsman at the Financial Ombudsman Service. Evelyn has worked across a range of product areas, including Banking and Finance, General Insurance and Investments and Advice.
Evelyn was previously a partner in the Corporate Group at global law firm Herbert Smith Freehills where she advised corporate and government clients on a wide range of governance matters and significant transactions.
Evelyn holds a Bachelor of Arts and Bachelor of Laws (Hons) degree from the University of Melbourne. She is also a graduate of the AICD Company Directors Course.
Evelyn is a two-time Olympian and an Executive member of the Australian Olympic Committee. She is also an Integrity Commissioner for Cricket Victoria.
John Price – Insurance
John has over 30 years’ experience in the financial services industry. Prior to AFCA, John was Lead Ombudsman – General Insurance at the Financial Ombudsman Service (FOS) Australia, having previously acted as Referee, Adjudicator and a Panel Chair there too.
John was until recently also a Director of State Trustees Limited and STL Financial Service Limited and Chair of the State Trustees Limited Australia Foundation and member of the Audit, Investment and Remuneration Committees.
John is also a Code of Conduct Commissioner for Cricket Australia and Chair of the Pennant Cricket Appeals Board for Cricket Victoria.
John’s industry knowledge has been built through his experience as a solicitor at Maurice Blackburn & Co from 1978, becoming a partner in 1984. He headed up the industrial personal injuries practice until retiring from the firm in 2004.
John also brings his experience as a member of the Accident Compensation Committee for more than 20 years, a member of the Victorian WorkCover Authority Legal Liaison Committee and numerous Victorian Government working parties and advisory groups.
John is a member of ANZOA, the peak body in Australia and New Zealand for industry-based, parliamentary and statutory ombudsman offices.
Heather Gray – Superannuation
Heather started her career at Arthur Robinson & Co (now Allens) and was a partner there for a number of years.
Heather has also held partner roles at other law firms, specialising in superannuation and financial services law.
Heather has sat on the Law Council of Australia’s Superannuation Committee for more than a decade, including a term as its Chair, and has consulted widely with the Australian Securities and Investments Commission (ASIC), the Australian Prudential Regulation Authority (APRA), and the Australian Taxation Office and Treasury on superannuation issues.
Heather has hands on superannuation industry experience, having been a director of the legal industry superannuation fund Legalsuper.
Prior to joining AFCA, Heather led the national superannuation practice for Hall & Wilcox.
Natalie Cameron – Investments and Advice
Ms Cameron began her career at Clayton Utz, where she completed her articles and became a solicitor focusing on insurance and litigation. She then worked with the Australian Securities and Investments Commission (ASIC) focusing on regulatory policy and markets.
In 2005, Ms Cameron moved into industry, where she operated as the General Counsel and Company Secretary for AIA Australia. As a member of the executive committee, she was responsible for all litigation, disputes and complaints resolution. Ms Cameron’s time at AIA Australia also spanned roles managing operations, pricing, distributor relationships and product. She later became CEO of AIA New Zealand.
Prior to joining AFCA, Ms Cameron was the Chief of Customer Operations for MLC Life Insurance.
Geoff Bant – Small business
Before AFCA, Geoff was with FOS since 2008 as a case manager and Legal Counsel. He became a team manager in Banking and Finance in 2014 at FOS, leading a highly successful team of case workers.
Geoff has worked as a solicitor in major law firms in Australia and London, specialising in banking litigation and business risk management.
He holds a Bachelor of Arts and a Bachelor of Laws (Hons) from the University of Western Australia, and a Master of Laws (Commercial Law) from the University of London (King’s College). He also has a Graduate Diploma of Applied Finance from the Securities Institute of Australia.