Industry & Consumers
Making Better Credit Decisions
ARCA Executive Team
Elsa is the CEO of the Australian Retail Credit Association (ARCA). Appointed to this role in August 2022, Elsa was previously the Executive Director, Regulatory, where she led a number of policy initiatives and was responsible for providing advice on a range of issues related to credit reporting and credit management.
Having worked at ARCA for almost 10 years, Elsa has played a pivotal role in the initial drafting and ongoing variations to the Privacy (Credit Reporting) Code, the development of an industry code for data exchange and the review and operation of the Australian Credit Reporting Data Standard (ACRDS).
Previously, Elsa worked at the Financial Ombudsman Service and, prior to that, worked in private practice as a legal practitioner focussing on general and civil litigation.
She holds a Bachelor of Arts and a Bachelor of Laws from the University of Queensland.
Michael is ARCA’s Executive Director - Policy & Advocacy.
Michael has more than 20 years' experience in financial services, including as a senior manager is ASIC’s Deposit-takers, Credit and Insurers team.
Starting his career at Consumer Credit Legal Service (Vic), Michael has also held senior legal and compliance roles at NAB, GE Money and ME Bank. Michael recently led the work to update the Credit Reporting Code to reflect the new financial hardship reporting regime.
Wendy is a Senior Risk Management professional with more than 20 years of experience working in the financial services and telecommunication sectors across a vast range of product suites and global markets.
Wendy’s responsibilities include providing guidance on best practice credit reporting.
Geri has been with ARCA since 2016, starting as Legal & Industry Affairs Manager before taking on responsibility for the management and governance of the Principles of Reciprocity and Data Exchange as Head of Compliance & PRDE.
Geri brings her experience and understanding of industry policy and priorities to her current role as GM – Strategy & Growth, in which she is responsible for identifying and driving strategic objectives aimed at increasing ARCA’s value proposition for Members and industry.
Geri earned her stripes in privacy law at the Office of the Information Commissioner in Queensland before spending 4 years as as foreign correspondent. She is a current Board Member of 2SER radio station.
Becky is ARCA’s PRDE and Industry Policy Manager, responsible for managing the Principles of Reciprocity and Data Exchange.
Becky has over 20 years’ experience of Retail Risk Management in Financial Services in Australia and the UK, including a detailed knowledge on Comprehensive Credit Reporting and Risk Management Strategy.
Tersia manages ARCA’s consumer education initiative, CreditSmart. CreditSmart is a self-help website for consistent, unbiased information around how credit reporting operates in Australia. The CreditSmart website guide and help consumers take control of their credit health.
Before joining ARCA, Tersia managed the D2C e-commerce division for TransUnion Credit Bureau in South Africa.