Arca Credit Summit 2025 Agenda

View the full agenda here!

Speakers

  • Anders Sörman-Nilsson (LLB / EMBA) is a global futurist and innovation strategist who helps leaders decode trends, decipher what’s next and turn provocative questions into proactive strategies. With an average of 240 international travel days a year, Anders’ view is that the future and the now are converging in a city or start-up near you, giving the curious, the creative and the courageous a competitive and sustainable edge. At the same time, that same future contains fearsome forecasts for futurephobes.

    This Swedish-Australian futurist has shared stage with Hillary Clinton, Nobel Laureates, and European and Australian heads of state. He is an active member of TEDGlobal, has keynoted at TEDx in the United States and Australia, was nominated to the World Economic Forum’s Young Global Leaders in 2015, and was the keynote speaker at the G20’s Y20 Summit in Australia.

    His presentations are meticulously researched, highly energetic and always fascinating with content tailored to the audience, which is why clients like Apple, Cisco, Mercedes Benz, Hilton, SAP, Gartner and Macquarie Bank have turned to Anders over the years to help them turn research into foresight and business impact.

    His thought leadership has been featured in international media like Monocle, Business Insider, Sky News Business, Financial Review, CIO Magazine and Boss. He is the author of the books Seamless: a hero's journey of digital disruption, adaptation and human transformation (Wiley, 2017), Digilogue: how to win the digital minds and analogue hearts of tomorrow's customers (Wiley, 2013) and Thinque Funky: Upgrade Your Thinking (Thinque, 2009).

    In a world of disruptive technologies like Artificial Intelligence, Blockchain, Virtual Reality, Internet of Things, and Machine Learning, futurist Anders speaks about proactive responses such as disruptive thinking, innovation strategy, human transformation and digital adaptation.

  • Michelle Kumarich has more than 15 years experience in alternative dispute resolution with extensive experience leading many varied operational teams including jurisdictional assessment, investigation, legal, conciliation and policy.  In her current role, she oversees AFCA’s systemic issues identification and reporting to financial services regulators as well as ensuring that AFCA operates within its jurisdiction.  She has experience and regularly leads leading transformation programs across whole of organisation.  

    Prior to joining AFCA’s predecessor schemes BFSO/FOS, Michelle worked as in house counsel at a number of big 4 banks.   Having practiced law for more than 20 years with a background in litigation, Michelle started her career as a lawyer at Clayton Utz.  She has experience in insolvency and general commercial litigation having appeared in Supreme Court, Federal Court and High Court matters.

    Michelle holds a Bachelor of Science (Honours) and Bachelor of Laws (Honours) from Monash University and is a trained mediator.

  • BComm, GradDip AppFin & Inv, GMB (Harvard)

    Peter was appointed Chief Risk Officer at People’s Choice in 2016 and has over 20 years’ experience in banking and finance

     

    Previous experience includes executive positions in banking operations and risk management at Rural Bank, and senior leadership roles with APRA. He has considerable experience in strategic planning, organisational design, risk management, program management and banking operations.

  • Soohwan Lee, CEO of PFCT, graduated from Yonsei University with a degree in Business Administration and worked as a management consultant for 10 years at Boston Consulting Group (BCG) and Bain & Company. At BCG, he led numerous projects on performance improvement, new business entry, and M&A in the industrial goods sector both in Korea and abroad. He later joined Bain & Company, where he gained extensive global project experience across the Seoul, Tokyo, and Mumbai offices, serving multinational corporations and private equity firms, and became the youngest principal in the firm.

    In 2015, he joined PFCT as Chief Strategy Officer (CSO), driving the company’s business growth. In August 2023, he became the CEO of PFCT. He firmly believes that creative ideas and AI-driven financial technology can build a truly differentiated financial institution, and is dedicated to positioning PFCT as a globally recognized Lending Tech company.

  • As Chief Product Officer, Bill is responsible for strategy and innovation for Equifax Canada's Consumer, Commercial and Fraud & Identity product and data solutions. Bill has more than 25 years experience leading data & analytics teams in credit risk, marketing and loyalty management. Specializing in presenting complex analytical solutions through meaningful business stories, Bill is committed to thinking from the customer perspective to address true business needs. Bill holds an MA in Economics from the University of Guelph. 

  • Carly Kind commenced as Australia’s Privacy Commissioner in February 2024 for a 5-year term.

    As Privacy Commissioner, she regulates the handling of personal information by entities covered by the Australian Privacy Act 1988 and seeks to influence the development of legislation and advance privacy protections for Australians.

    Ms Kind was previously the inaugural director of the UK-based Ada Lovelace Institute, a research institute focussed on the ethical and societal impacts of data and AI.

    She has worked with the European Commission, the Council of Europe, numerous UN bodies and a range of civil society organisations.

    Ms Kind has a Masters of Science, International Relations (Hons) from the London School of Economics, a Graduate Diploma in Legal Practice, and a Bachelor of Arts (International Relations) (Hons) and Bachelor of Laws from the University of Queensland.

  • With over 20 years of experience in financial services and credit reporting, Emlyn Simpson brings deep expertise across both credit bureaus and credit providers. His career began in the UK, where he played a key role in expanding positive data sharing initiatives. Emlyn later relocated to Australia to contribute to the launch of Comprehensive Credit Reporting (CCR), initially with a credit bureau and subsequently at Commonwealth Bank, where he led efforts across both data supply and customer engagement streams. 

    In his current role Emlyn focuses on enhancing credit decisioning and verification strategies by leveraging both internal and external data assets. His work continues to shape the future of responsible lending and data-driven financial services

  • Jesse is a Senior Ombudsman in the Banking and Finance decision maker team at AFCA. He was first appointed as an ombudsman at AFCA in March 2021. He has previously worked as a banking and finance solicitor at King & Wood Mallesons, in the litigation practice at Consumer Action Law Centre during the Financial Services Royal Commission, and as a policy adviser in the Commonwealth Parliament.

  • Micaela Cronin serves as Australia’s inaugural Domestic, Family and Sexual Violence Commissioner, appointed November 2022. With over 30 years in the social service sector, she began her career in front line roles in family violence and sexual assault services before moving into leadership roles across the sector, including President of the Australian Council of Social Services.

    Her international experience includes serving as CEO of a non-government organisation based in Asia, working to build global service delivery and strategic partnerships to tackle human trafficking and human rights abuses, and providing expertise to governments on domestic violence, child protection and juvenile justice law reform.

    Micaela holds a Bachelor of Social Work and an MBA and completed Harvard Business School’s Strategic Perspectives in Not-for-Profit Management program.

  • Oriel Morrison is one of Asia-Pacific’s most recognisable business journalists and a leading communication expert.

    She is a highly regarded professional presenter, MC, and moderator, known for her ability to bring clarity, authority and insight to high-profile events around the world.

    Oriel is the Co-Founder and Chief Strategy Officer of APAC Network. Prior to launching the platform, she spent over a decade anchoring CNBC’s flagship shows Squawk Box and Street Signs, which aired globally. Her work has taken her to the world’s premier business events, providing live coverage and in-depth reporting on finance, markets, and geopolitics.

    Over her 20+ year career in business and financial news, Oriel has interviewed some of the world’s most influential leaders including former U.S. President Bill Clinton, European Central Bank President Christine Lagarde, Disney CEO Bob Iger, former Australian Prime Minister Malcolm Turnbull, and numerous corporate heavyweights.

    Before CNBC, she held senior presenting and reporting roles at Bloomberg Television and Radio, the Nine Network, Sky Business News, and Channel 7.

  • Brent is CRO at Angle Asset Finance, a private equity owned non-bank business lender. As CRO, Brent is responsible for Credit Risk, Operational Risk and Compliance, Legal and Audit. Brent is passionate about Risk Management being used as a strategic tool for growth and is leveraging his 20+ years of Consumer Banking and Technology experience to innovate in this space. Brent is currently enjoying complimenting traditional business lending risk management techniques with more contemporary techniques. 

    Brent's varied experience across Banking, Energy and Technology companies leading risk, product, and transformation teams means that he often brings a different take on Risk Management. 

    Brent is known for building high performing, engaged teams of people that deliver. He values the relationships he's built across the Australian and New Zealand Risk sector over the years and loves having opportunities to share and grow together. 

  • Hayley was appointed as Bendigo Bank’s Customer Advocate in 2023, serving as an independent voice for customers within the Bank.

    She brings 17 years of experience in banking and a strong track record in customer strategy and advocacy.

    As Customer Advocate, Hayley is helping build more inclusive and responsive products, services and processes, championing the voice of customers and building long-term trust.

    Hayley has a particular focus on improving outcomes for those experiencing vulnerability, driving financial education initiatives, building resilience and helping ensure banking services - both face to face and digital - are inclusive and accessible to all. 

  • As Founding CEO and Director of the Thriving Communities Australia a for-purpose charity, Ciara Sterling convenes over 350 organisations across sectors, together with people with lived experience, to forge deeper understanding of vulnerability and drive ecosystem change through social design innovation.

    Ciara is also a Non-Executive Director on the Board of Consumer Action Law Centre (CALC), is a member of the White Ribbon Advisory, a founding member of the Economic Abuse Reference Group (EARG) and sits on various corporate, government and regulatory advisory committees.

    She has over 20 years’ experience collaborating across corporate, government, regulators, Ombudsman, community sectors and lived experience to address the root causes of vulnerability, domestic abuse and inequality.

    A key example of this is the development the One Stop One Story Hub a world-first cross-sector digital wrap around support platform enabling frontline workers in corporate, community and government organisations to connect and refer people to a range of supports through a single access point. She believes in the power of cross-sector collaboration to create genuine systemic change.

  • James is a credit risk domain specialist with extensive knowledge in the areas of credit decisioning, credit portfolio optimization, quantitative analytics and regulatory compliance under Basel, IFRS-9 and NCCP.

     

    As a co-founder of Open Analytics and through his previous experience leading big-4 banks credit analytics teams James has supported a wide range of creditors of all shapes and sizes to optimize risk-reward outcomes throughout the entire credit lifecycle.

     

    During James’ career he has been instrumental in a number of significant advances to Australian and New Zealand bank’s credit risk management capabilities across commercial and retail portfolios including leading Basel accreditation A-IRB model delivery across 2 major banks during a merger, leading IFRS-9 provisioning model delivery for a major Australian bank and chairing a big-4 banks internal credit risk estimate committee.

     

    James has also supported a number of emerging FinTech lenders through their credit licencing and ADI application by acting as a responsible credit manager and developing credit policy and data-driven credit underwriting processes tailored to the online lending market.

  • Dr Karl Mallon is the Co-founder and CEO of XDI. With a background in both Physics and Mechanical Engineering, Karl has worked in climate change mitigation, policy and technical analysis since 1991, and has specialised in climate adaptation since 2005. His team’s pioneering work in developing technology to quantify the cost of extreme weather to the built environment led to the development of the Climate Risk Engines in 2012. Karl is editor and co-author of ‘Renewable Energy Policy and Politics: A Handbook for Decision Making’ published by Earthscan (London) and a contributing author for ‘Practical Adaptation Studies’, published by Wiley. Karl is also a founding board member of The Climate Bonds Initiative (London).

  • Mitch Pribicevic stands at the intersection of climate science and financial innovation, transforming how banks understand and manage risk in a rapidly changing world. As Climate Risk Director at ANZ, Mitch is the driving force behind the bank’s enterprise-wide climate risk capabilities by bringing together geospatial intelligence, satellite imagery, and climate analytics with ANZ’s core financial data. This pioneering approach empowers the bank to anticipate and navigate the complex impacts of climate change on retail and commercial lending.

    Mitch’s vision extends beyond strategy: by designing and executing Retail and Commercial climate risk roadmap, he is actively shaping the future of climate resilient banking within ANZ. Through hands-on leadership of internal training and education programs, Mitch is building a culture of climate awareness and technical excellence across the organization. His influence also reaches the broader industry, where active engagement in forums and partnerships helps set new standards for climate risk management.

    With a career spanning credit risk management, technology, and sustainability, Mitch brings a rare blend of analytical rigor and practical insight. His work is redefining how climate risk is embedded in credit decisioning, ensuring that ANZ not only meets today’s regulatory and market expectations, but is also prepared for the challenges and opportunities that lie ahead.

  • Professor Peter Greste is Australia’s most unlikely convicted terrorist. A foreign correspondent with 25 years experience. Peter was in Egypt covering the unfolding political crisis when he and two colleagues were arrested and charged with terrorism offences.

    After leaving Australia in 1991, he worked in London for the BBC, CNN and Reuters before being appointed the BBC’s Afghanistan correspondent. He moved to London in 1997 to help the BBC launch its 24-hour domestic news network, News 24. The following year, he went back on the road, covering Latin America for five years.

    After the 9/11 attacks, he briefly returned to Afghanistan as a part of the BBC’s award-winning coverage of the collapse of the Taliban. Peter relocated to Africa in 2003, reporting from some of Eastern and Southern Africa’s most volatile regions and in 2011, he won a prestigious Peabody Award for a BBC documentary on Somalia.

    Later in 2011, Peter left the BBC and joined Al Jazeera as its East Africa Correspondent. He went to Cairo to cover the Christmas/New Year period in 2013, and two weeks after he arrived, security agents burst into his hotel room and arrested him and his colleagues. He was charged with aiding a banned organization – the Muslim Brotherhood; financing a banned organization and broadcasting false news to undermine national security. The court convicted Peter and his colleagues, and sentenced them to between seven and ten years of hard labour.

    While in prison, Peter began a masters degree in International Relations with Griffith University. Later in 2015, became an honorary doctor of the university, for his services to journalism.

    In February 2015, Peter was deported on an order of the Egyptian president, though he was included in the subsequent retrial that began a month later. Peter and his colleagues were once again convicted in the retrial though with their sentences reduced to three years. Their case has been widely condemned as an abuse of due process and their fundamental human rights.

    After an intense international campaign, he was released after 400 days.

    In April 2016 Peter was awarded the ANZAC Peace Prize. He has also been awarded the International Association of Press Club's Freedom of Speech Award; and the Australian Human Rights Commission Medal.

    Peter’s book 'First Casualty" was published in October 2017 where he talks about his experiences in Egypt and on the role of journalism in the War on Terror.

    In 2018 Peter took up the position of UNESCO Chair of Journalism and Communications at the University of Queensland.

    In 2022, Peter started as an adjunct professor of journalism at Macquarie University. The story of how his family took on the Egyptian government to get him out of prison is told in the book Freeing Peter (Penguin 2016).

    Peter is Australia’s most recognisable media freedom activist, and regularly writes for The Guardian, The Australian, Crikey, the Sydney Morning Herald and The Conversation.

    For his advocacy, he has won numerous awards including from the Royal Television Society in the UK, the International Association of Press Clubs, the Australian Human Rights medal, and a Walkley Award.

    In his inspiring, entertaining, and at times harrowing presentation, Peter speaks about his experience behind bars, the psychological strategies he used to survive, and the lessons he still draws on today.

    Based on the riveting true story of Australian war correspondent Peter Greste’s shocking imprisonment in Egypt in 2013, THE CORRESPONDENT was released in April 2025. The movie is a gripping biographical thriller about the relentless defence of the truth and triumph of the human spirit.

  • With 17 years’ experience across fintechs, banks, and bureaus I have diverse experience in roles across credit risk, collections, marketing insights and financial crime.

    From starting in my native UK working on developing models for one of the largest UK banks and moving through a number of fintechs, I have always looked to challenge and question the status quo pushing for improved data availability to improve decisioning.

    Moving to a bureau in Australia I built the initial Comprehensive Credit Reporting (CCR) scores and assisted numerous institutions in maximising the value they could extract from bureau data.

    Returning to fintechs and recently stepping into the Chief Credit Risk Officer role at MoneyMe, I oversee acquisitions, collections, and recoveries strategies by continuing to drive enhanced decisioning and monitoring through data-driven insights while extracting maximum value from bureau data to continually challenge the industry.

  • I have 16 years of banking experience, extensively across the credit risk management lifecycle. Employed by Great Southern Bank, which is one of Australia’s largest customer owned banks, I oversee the credit risk acquisition strategies and analytics functions which supports the bank’s strategic objectives across its key lending portfolios and customer segments. I am a proponent in championing a data-led approach in my role, which is fundamental to influencing decision-making outcomes and hence the importance in utilising the wider data-ecosystem which financial institutions employ.

    Prior to joining Great Southern Bank, I worked at two of the Big 4 banks in my country of birth, South Africa and had the fortune of working within multiple countries on the African continent, where I experienced how differing cultures require alternative approaches to work, conversing with peers and how you conduct yourself. Things that very few books can teach you.

    I hold a Bachelor of Commerce (Honours) in Economics from the University of Johannesburg.

  • Brian Bond is the Managing Director of Credit Bureaux, Data & Analytics and TenderLink at Experian Australia and New Zealand. In this role, he leads a diverse portfolio encompassing commercial and consumer credit bureaux, as well as advanced data and analytics. Brian is responsible for driving innovation, product excellence and data-led decision-making to support clients across the region.

    Previously, Brian served as Senior Vice President of Experian North America's Business Information Division, where he led product, data science, consulting and strategy functions. He played a pivotal role in shaping Experian’s global business information strategy and delivering market-leading solutions.

    Before joining Experian in 2017, Brian held senior marketing and product roles at technology firms including Nav, Teem (WeWork), ExpertVoice, HP, and Ancestry. His accomplishments include collaborating with Amazon on Alexa for Work, developing WeWork’s AI-driven workspace platform, and launching HP’s small business product suite. He has also advised technology start-ups on business strategy and acquisitions.

    Brian has shared his expertise as a professor and guest lecturer at the David Eccles School of Business at the University of Utah.

  • Dan Jovevski is the Founder and CEO of WeMoney, Australia’s leading financial wellness platform with over 1.35 million downloads. Dan is a champion of open banking, consumer data rights, and responsible lending. His work empowers consumers with secure, data-driven tools to manage credit and debt, supporting the ARCA Summit’s focus on resilient, transparent financial systems.

Workshop Facilitators

  • Phil is the Principal of crkhoury (CRK) and has been providing consulting advice and independent reviews in the self-regulation space, in governance design and Board effectiveness and in complaint-handling for over 25 years.  CRK clients include organisations in Australia, Singapore, USA, Canada, Malaysia, New Zealand and Hong Kong. 

    Phil is currently reviewing the Insurance Brokers Code of Practice, the Retirement Living Code and advising the Commonwealth government on the design of the soon-to-be Airline Industry Ombudsman.

    Phil was closely involved with Arca in the drafting of the original Credit Reporting Code in 2012/13, worked with the ARCA Board on strategy and governance issues in 2015 and most recently, conducted the 2024 independent review of the PRDE. 

    • Have you ever felt annoyance or frustration as you navigate credit reporting?

    • Do you yearn for a magic wand to fix those persistent issues?

    In this session, attendees are gifted not only a magic wand, but a series of magic hats: the hats of the consumer, the regulator, the credit reporting body, the small credit provider and even the large credit provider (possibly with a legacy system or two to contend with). You’ll embark on a journey to think through what an ideal future credit reporting system could look like, how it could be achieved, and how each of these perspectives can be accounted for throughout this journey. This will be a highly interactive session suitable for all

  • Sonia Friedrich is an expert in behavioural science. She bridges Nobel Prize winning insight and thought leadership from around the globe, to shatter entrenched paradigms of business. One of the first in Australia to apply behavioural economics, thirteen years ago. She works with Fortune 500’s to Scale Ups, Innovators, to Business in crisis. Sonia has worked with billion-dollar companies and multi-million-dollar brands, Trusted clients include The Dow Jones Group, MICROSOFT, KPMG, Pfizer, AstraZeneca, SunRice, and more.

     

    Sonia is a Global Strategic Partner for behamics – leaders in Behavioural Science and Causal AI for ecommerce. Clients include Volvo, Nespresso, Douglas (11 countries in Europe) and more.

  • Leveraging behavioural economics can develop practical understanding of consumer decision making and transform how lenders think about common processes, such as applying for credit or asking for financial assistance. This interactive workshop will cover:

    • Foundational heuristics and biases that influence consumer decision making when applying for credit or financial assistance.

    • Insights that help or hinder decision making and processes

    • Where and when cognitive and behavioural friction causes customer disengagement and why milliseconds matter.

    • Case studies with measured impact – where can you piggyback them for quick wins

    Armed with this knowledge, you will be able to apply 6 insights immediately to reduce the ‘Fastest time to Yes’ and easily design and run your own behavioural economics ‘nudge’ experiment in real time and measure direct impact.