About us
As a credit union, we have supported our Members for over 50 years… We first opened our doors in 1970 to service the financial needs of South Australian police, with officers literally turning their caps upside down on pay day to pool their funds and provide loans to other officers.
Now, we’re for everyone, with over 40,000 happy Members.
Although we now offer our banking services to everyone, we still honour our police heritage with our Platinum package available for police, healthcare professionals such as nurses, as well as emergency services workers and firefighters.
With seven branches across SA and NT and five Relationship Managers, we offer a full range of comprehensive and competitive banking products including award-winning home loans, car loans, personal loans and credit cards, as well as outstanding everyday accounts, savings and investment accounts and general insurance products.
Further to this, we offer our Members 24/7 access to their money with our state of the art facilities including our Banking App, Online Banking, Fast Payments and Digital Wallet options with Apple Pay, Google Pay and Samsung Pay.
What is a credit union?
A credit union is a member-owned financial institution, and although a credit union has some similarities to a bank, there are some important differences.
We’re like a bank but better!
- A credit union’s priority is its customers (also known as Members). We put them first by providing highly competitive banking products, all while delivering exceptional customer service.
- Unlike banks, credit unions are member-owned, this means that every Member has an equal share in our business. They are our shareholders.
- All our profits are reinvested into providing better service, rates, products and value for its Members.
- Every Member can have their say on how we run our organisation when they are invited to attend our Annual General Meeting where they have the opportunity to provide direct feedback.
- As a credit union, we are not a publicly listed company on the Australian Securities Exchange (like many major Australian banks are) which means we can focus on providing the best return to our Members and not external shareholders.
- A credit union is not obliged to any external shareholders or pays dividends, rather our priority is to deliver a customer service that is second to none.
“People continue to see banks focus on delivering profits to shareholders, and understand that because we are member-based we can reinvest into developing better products and services, provide exemplary customer service, and give back by supporting a range of important community initiatives.” Costa Anastasiou – CEO, Police Credit Union
Why us?
As a member-owned organisation, 100% of our profits go back into providing our members with market leading rates and personal service.
Member Satisfaction Rate
In order to ensure we continue to be the best at what we do, we measure the satisfaction of our Members with regular Member Surveys. We invite our Members to rate our products, service, and provide general feedback. The results from these surveys form our Member Satisfaction Rate which is consistently above 90%.
We also pride ourselves on:
- Our work within the community and our goal to reduce our environmental impact.
- Our commitment to directly and positively impact the community and environment that we live in. We continue to invest in supporting organisations such as CFS Foundation and South Australian SES Volunteers’ Association as well as local community events including a partnership with the Adelaide Footy League.
Our history
As Police Credit Union celebrated its 50th birthday in 2020, we took the opportunity to reflect on where we started, the journey along the way, how much we have grown and where we see ourselves in the future.
Thank you to the participants in this video for their important contribution and enduring support as we move into the next era of the credit union.
Watch our video to find out more…
Corporate Governance
Learn more about our Corporate Governance.
Financial Claims Scheme
Learn more about the Financial Claims Scheme.
Testimonials
Don’t just take our word for it, here’s what some of our Members have to say:

When you go into a Police Credit Union branch you are greeted by your Christian name and we know the staff in our branch by their Christian name. To get that sort of service, and for them to know you on a personal level, you just don’t get that with the big banks. I find that really refreshing and an easy way to do my banking.
Roger and Jane, Walkley Heights SA

It’s so awesome! I love it already! Thank you for your help with everything, I really appreciate how easy the process was.
Alice, Angaston SA
Police Credit Union play an integral role in my daily life with easy online banking, great interest rates on both investment and owner occupier loans, and security for our savings account.
Elyse, Greenwith SA
Excellent communication. Always finding ways to help with difficult financial situations and I get to speak to a staff member straight away. Infinitely better than the big banks.
Andrew, Craigmore SA
Police Credit Union has been very reliable and responsible with regard to money and insurance dealings for over 40 years. I have the satisfaction of knowing that they are always going to be in my corner and able to serve me.
Edward, Mount Barker SA
I have used their services for 22 years and find the staff friendly and approachable. I have recommended them several times. I wouldn’t bank with anyone else.
Stephanie, Glencoe SA
Police Credit Union feels like part of my family, the staff are committed to making my banking experience important to them.
Elizabeth, Marion SA
A sense of security with all banking needs. We have banked with four different banks but Police Credit Union rates are the best for all our needs.
Irene, Gulfview Heights SA
Awards
Our market leading products continue to be recognised as some of the best in the country. We have received the following awards from Mozo, Canstar, RateCity and Finder, four of Australia’s most visited comparison sites:
2024
Mozo Awards
Finder Awards



2023
Canstar Awards
Mozo Awards


2022
Canstar Awards
Mozo Awards
Rate City Awards
2021
Mozo Awards
Rate City Awards
2020
Mozo Awards
Meet our current board and executive teams
Our board and executive teams work together to provide strategic guidance and ensure that the business is doing what’s best for its Members and staff.
Directors
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Alexander Paul Zimmermann
Elected Director and Chairman
FAICD, FGIA, FGLF, Grad. Cert. Business Admin
Alex was elected as a Director on the Board in 1999.
Read more… about Alexander Paul Zimmermann
As the Chairman of Police Credit Union since 2012, Alex offers extensive corporate governance and leadership experience in Board and senior management roles across a range of state and local government, and non-government organisations.
Alex had a successful and decorated career as a South Australian police officer, having commenced as a recruit in 1975 and retiring at the commissioned rank of Chief Inspector in late 2020. As a senior-ranking police officer, he was responsible for significant strategic initiatives and operational achievements that included facilitating business process reviews, crisis management, establishing the Electronic Crime Section, and driving organisational change management projects within South Australia Police.
In November 2022, Alex was appointed by the State Government as the Community Recovery Coordinator for the many communities impacted by the River Murray flood event. This follows on from Alex’s extensive work in supporting communities to recover from disasters when he was appointed by previous State Governments as the Local Recovery Coordinator for the Pinery bushfire, Northern Adelaide Plains flooding and the Cudlee Creek (Adelaide Hills) bushfire.
These roles showcased his open and engaging leadership style and strong capacity for decision-making and strategic thinking, combined with competency in establishing and maintaining beneficial and effective relationships with a wide range of stakeholders during emergency and rebuilding phases.
Alex was motivated to become a Police Credit Union Board Member by the desire to make a substantial governance contribution to the strategic performance and effective operations of the Credit Union, ultimately enhancing the interests of Members and the organisation.
In addition to his extensive leadership and governance experience, Alex has a reputation for meaningfully engaging and supporting communities, as well as developing and maintaining significant and diverse stakeholder relationships – highly valuable leadership skills that develop confidence and commitment amongst the Board, Executive team and staff of Police Credit Union.
Alex is Chairman of the Police Credit Union Board Remuneration and Governance Advisory Committee.
Other Directorships and Memberships:
- Chair, Assurance & Risk Committee, SA Ambulance
- Chair, Workskil Australia (joined January 1995 and appointed Chair in 2004)
- Member, Barossa Hills Fleurieu Local Health Network governing board (appointed July 2023)
- Fellow, Australian Institute of Company Directors
- Fellow, Governance Institute of Australia
- Fellow, Governor’s Leadership Foundation
- Member, Australian Institute of Emergency Services
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Michael John Fisher
Elected Director and Deputy Chairman
FAICD, B. Policing (Invest), Dip. Justice Admin., Grad. Cert. Applied Management, Grad. Cert. Business Admin
Mick was elected as a Director on the Board in 2000.
Read more… about Michael John Fisher
Mick brings 44 years of extensive operational police experience to his role as Director and Deputy Chairman of Police Credit Union. For the past 20 plus years, Mick has diligently served the Credit Union and our membership. He previously served as Deputy Chairman between 2006 and 2010, before being appointed Deputy Chairman again in 2012.
Over four decades as a Police Credit Union Member provides Mick with significant insight when it comes to the importance of our core membership – Police, Nurses and other emergency service workers – and he has drawn on his own sector knowledge to assist in the development of strategies to attract new Police Credit Union Members from the broader emergency services sector.
During his impressive career in South Australia Police, Mick has served as the Officer in Charge of Criminal Investigation Branches, Crime Gangs Task Force, and the Serious and Organised Crime Branch. In these areas, he gained experience in complex criminal investigations, including cyber and financial crime. At the height of the COVID-19 pandemic in 2020, he served as Executive Officer in the Police Operations Centre, where he played a key coordination role in South Australia’s operational response and management of enforcement operations across the state. His leadership skills in ensuring organisational continuity and state emergency management experience gained through these positions translate seamlessly to his role as Director and Deputy Chairman of Police Credit Union.
Mick is currently a Detective Chief Inspector in South Australia Police and has been an active volunteer in the local community in the area of sports/leisure administration and coaching. Mick is Chairman of the Police Credit Union Board Risk Committee and a Member of the Board Remuneration and Governance Advisory Committee.
In November 2022, Mick was elected to the City of Onkaparinga, the largest Council in South Australia, as a Councillor. Later that month, he was elected by the Chamber as Deputy Mayor. Mick also has membership to various forums and committees. His experience in governance holds him in good stead for his duties.
Other Directorships and Memberships:
- Councillor, City of Onkaparinga
- Fellow, Australian Institute of Company Directors
- Fellow, Australian Institute of Governance
- Member, South Australian Sea Rescue Squadron
- Member, Wallaroo Sailing Club
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Ann-Marie Chamberlain
Appointed Director
GAICD
Ann-Marie was appointed as a Director on the Board in 2022.
Read more… about Ann-Marie Chamberlain
As a highly skilled professional, Ann-Marie possesses extensive experience in business leadership and development, corporate strategy, retail banking, financial management and reporting, as well as risk management. Her passion for customer and employee experience is something that fits naturally with the values and purpose of Police Credit Union, and she brings to the Board more than 15 years’ executive experience in Banking and Wealth Management.
Ann-Marie spent more than five years as State General Manager for a large Australian financial institution, where she was responsible for the leadership of the retail banking division, including revenue growth, business profitability, product penetration, customer experience and employee engagement. She was subsequently promoted to a senior executive role where she led the transformation of the Small Business Target Operating Model before spending more than four years as General Manager Wealth, Personal Banking.
Ann-Marie is also a previous State Winner in the Telstra Business Women’s Awards (Corporate & Private Sector category) and a recipient of a Centenary Medal for Leadership in the Community. Adding to her impressive list of credentials, Ann-Marie has a personal understanding of the many complex issues facing police, as the daughter and wife of retired police officers. Ann-Marie is a long-standing member of Police Credit Union, having joined in 1981.
Her passion for giving back to the community has seen her serve on the Volunteering SA/NT Board since June 2017, including the role of Chair since October 2019. She has also been Trustee for Kalyra Communities, a provider of aged care, retirement living and affordable housing, for the last four years. Ann-Marie is a member of the Police Credit Union Board Audit Committee, and Board Remuneration and Governance Advisory Committee.
Other Directorships and Memberships:
- Graduate, Australian Institution of Company Directors
- Chair, Volunteering SA/NT
- Member, People, Remuneration & Governance Committee, Volunteering SA/NT
- Trustee, Kalyra Communities
- Chair, Customer Experience Committee, Kalyra Communities
- Member, Project Control Group & Clinical Governance Committee, Kalyra Communities
- Member, Culture and Remuneration & Nominations Committee, Bedford Group
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Suzanne Mary Daw
Appointed Director
GAICD
Susy was appointed as a Director on the Board in 2023.
Read more… about Suzanne Mary Daw
As an accomplished company director and successful local businesswoman, Susy’s experience in strategic, audit and governance risk matters spans almost three decades.
Susy has been a risk management consultant and business mentor with her own business, MQM Business Consultants, and has worked with leading private and public organisations across tourism, finance and banking, tertiary education, real estate, sport and recreation, transport, the building industry, and all levels of Government.
She has 19 years’ experience as a facilitator for the Australian Institute of Company Directors and was faculty for Strategy and Risk for the Company Directors Course, Applied Risk Governance and Governance to Protect Vulnerable People.
Rounding out her impressive list of credentials, Susy has also worked in clinical and management roles in the Healthcare sector, having worked as a registered, general and paediatric nurse in public and private sector hospitals, and trained at the Adelaide Children’s Hospital.
Susy is a member of the Police Credit Union Board Risk Committee and Board Audit Committee.
Other Directorships and Memberships:
- Deputy Chair, Women’s and Children’s Health Network
- Director, Anglicare SA
- Board Member, St Andrew’s Hospital
- Board Member, St Andrew’s Hospital Foundation
- Member, University of Adelaide Council Risk Committee
- Graduate, Australian Institute of Company Directors
- Fellow, Governor’s Leadership Foundation
- Authorised Marriage Celebrant
- Member, Australian Federation of Civil Celebrants
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Kevin Richard Lawton
Elected Director
FAICD, B. Mgt, Grad Cert App. Mgt, Assoc Dip Bus, Assoc Dip Justice Admin.
Kevin was elected as a Director on the Board in 2023.
Read more… about Kevin Richard Lawton
Kevin brings over three decades of policing experience to his role as Director. As a career police officer, Kevin originally joined SA Police (SAPOL) in 1985 and worked predominantly on patrols in the city, north and western suburbs, being promoted through to the rank of Senior Sergeant. He has also served as a police prosecutor. These roles have helped Kevin hone his communication and negotiation skills.
He currently holds the senior rank of Inspector and has served as the Operations Manager for State Crime Prevention Branch, Community Relations Section, State Intelligence Branch and Forensic Services Branch. He also has regional policing experience, having been the Operations Manager for the Eyre Western Local Service Area. Prior to his current role as Communications Shift Manager within Police Communications, Kevin was SAPOL’s Police Liaison Officer within SA Health’s State Control Centre as part of the statewide pandemic response. His achievements in all of these roles exemplify Kevin’s extensive leadership experience, managerial skills and crisis management abilities.
Kevin has significant experience as a Director within the broader emergency services environment, having served as a Director on the not-for-profit Boards of Emergency Services Ltd and Police Health Ltd, including a period as Deputy Chairman from 2009 to 2022. He has served as Chair of the Finance & Audit, Governance Committees and Nominations Committees, and was a member of the Human Resources and Remuneration Committees. He served as Chairman of the registered not-for-profit, Blue Light (SA) for more than four years and was the Police Association of South Australia Branch President for Metro North.
His commitment to ongoing professional development includes successful completion of the Australian Institute of Company Directors’ (AICD) course and the AICD update course, resulting in the esteemed designation of a Fellow of the AICD. Kevin’s service has been recognised with a National Medal, National Police Service Medal, SAPOL Service Medal and, most recently, the Emergency Response Active Service Medal. As a member of the Police Credit Union Board Risk Committee and Board Audit Committee, Kevin brings an intensive and practical understanding of organisational change, board stewardship and current issues that face police and the local community.
Other Directorships and Memberships:
- Fellow, Australian Institute of Company Directors
- Ambassador, White Ribbon Foundation
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Kathryn Anne Presser AM
Appointed Director
BA (Acc), Grad. Dip. CSP, MBA, FCPA, FAICD, FCIS, FGIA
Kathryn was appointed as a Director on the Board in 2015.
Read more… about Kathryn Anne Presser AM
Kathryn has extensive experience in financial, accountancy, risk and strategic planning aspects of private, public, not-for-profit and government agencies. She has over 35 years’ experience working in senior management roles, including as CFO/Company Secretary at ASX Top 100 listed Oil and Gas Exploration and Production company, Beach Energy Limited.
Her strong leadership and communication skills have been further refined by serving nearly 42 years part-time in the Australian Army, where she currently holds the commissioned rank of Major. Kathryn has previously served as a Member of Council at the University of Adelaide and was Chair of the Finance Committee, where she oversaw significant change to their Financial Reporting and Governance oversight to incorporate more transparency. She has recently stepped down from a role as a Non-Executive Director with Funds SA.
In Kathryn’s Director role at Police Credit Union, she brings a sound understanding of the challenges faced in the Financial Sector from skills she brings to the Board as a Non-Executive Director on the Board of the National Reconstruction Fund Corporation (NRFC). She was awarded a Member of the Order of Australia (AM) in the 2022 Queen’s Birthday Honours and awards in recognition of her services to Accountancy and her extensive community work. In 2024, Kathryn was appointed as a member of the Board of ASX Limited Company, Renascor Resources Limited. Kathryn is Chair of the Police Credit Union Board Audit Committee and a member of the Board Remuneration and Governance Advisory Committee.
Other Directorships and Memberships:
- Non-Executive Director, Australian Energy Market Operator (AEMO)
- Member, Audit and Risk Committee, (AEMO)
- Non-Executive Director, National Reconstruction Fund Corporation (NRFC)
- Non-Executive Director, Renascor Resources Limited
- Independent Chair, Risk and Performance Committee, South Australian Department of Energy and Resources
- Chair, Walford Anglican School for Girls Foundation
- Director, KP Advisory Pty Ltd
- Director, Rowing SA
- Fellow, Australian Institute of Company Directors
- Fellow, Australian Society of CPAs
- Fellow, Chartered Institute of Company Secretaries
- Fellow, Governance Institute of Australia
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Thomas Mark Scheffler
Elected Director
MAICD, Dip. Local Govt., Cert. Police Studies
Tom was elected as a Director on the Board in 2016.
Read more… about Thomas Mark Scheffler
Tom joined the Board of Police Credit Union to advocate on behalf of Members, staff and their families. As a career police officer with South Australia Police, Tom brings extensive law enforcement experience, well-honed leadership skills and aptitudes that are perfectly suited to his position on the Board. He regularly draws upon these skills to help enhance the Credit Union’s annual performance outcomes for Members.
During his 45 years as a police officer on patrols, Tom spent more than 20 years as a Detective in regional and metropolitan locations, where he developed a comprehensive understanding of the challenges facing different communities. He went on to win a contested position on the Police Association of South Australia’s committee and later became membership liaison officer. In 2002, he was appointed Assistant Secretary and elected Secretary in 2013 until his retirement in 2018 at the rank of Senior Sergeant First Class.
As a Police Credit Union Director, Tom brings first-hand understanding and confident communication expertise when it comes to how our organisation can best support police officers, nurses and other emergency services personnel through tailored products and services. Tom has extensive People and Culture experience, which includes the fields of training, industrial relations, disciplinary matters, and Enterprise Agreement Bargaining. During his tenure at the Police Association of South Australia, he developed a comprehensive training package for delegates. In addition to attending to criminal matters involving members, he also liaised with the highest levels of SA Police regarding disciplinary, worker’s compensation, and industrial grievances, as well as negotiating with the State Government of the day in support of Enterprise Bargaining negotiations.
Tom has an extensive history of supporting and giving back to the local community and our Members, which has extended his leadership experience while serving as Deputy Mayor and Councillor within the City of Charles Sturt for over 20 years. Tom is a member of the Police Credit Union Board Audit Committee and Board Risk Committee.
Other Directorships and Memberships:
- Past Member, Police Superannuation Board and Police Dependants Fund
- Member, Australian Institute of Company Directors
- Life Member, Police Association of SA
- Councillor, City of Charles Sturt
- Former Deputy Mayor, City of Charles Sturt
- Member, Asset Management Committee, City of Charles Sturt
- Past Member, Audit Committee, City of Charles Sturt
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Leonie Schulz
Elected Director
MAICD, Advanced Diploma in Public Safety (Investigations), Advanced Diploma of Policing
Leonie was elected as a Director on the Police Credit Union Board in 2024.
Read more… about Leonie Schulz
Leonie brings over 24 years of exemplary service with South Australia Police and is a dedicated volunteer in her local community, contributing to sports and school committees, as well as administration and coaching roles.
Her diverse career includes operational roles within the South Australia Police across regional towns such as Peterborough, Kadina and Victor Harbor, as well as metropolitan areas like Christies Beach and Sturt Police Station. She has also served in the Serious and Organised Crime Branch before transitioning to her current role as Detective Brevet Sergeant within the Financial and Cybercrime Branch. In this position, Leonie specialises in investigating complex financial and cybercrime cases, applying her deep expertise in banking systems and emerging trends in online fraud and scams.
Leonie’s distinguished service has been acknowledged through several honours, including the National Medal, National Police Service Medal, South Australia Police Service Medal and the South Australia Police Emergency Response Active Service Medal.
An accomplished leader with strong governance credentials, Leonie has completed the Australian Institute of Company Directors Foundations of Directorship and Boardroom Responsibilities courses. Her governance experience includes serving as a Director on the Police Association of South Australia Board, contributing to its legal subcommittee, acting as a Proxy on the South Australia Police Super Board, and recently being appointed Deputy Chair of the Women’s Advisory Committee for the Police Federation of Australia in 2024.
Leonie is a member of the Police Credit Union Board Risk Committee and the Board Audit Committee, where her strategic insight and leadership continue to drive positive outcomes.
Other Directorships and Memberships:
- Director, Police Association of South Australia
- Member of Legal subcommittee, Police Association of South Australia
- Proxy, South Australia Police Super Board
- Deputy Chair, Women’s Advisory Committee, Police Federation of Australia
- Member, Australian Institute of Company Directors
Executive Team
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Costa Anastasiou
Chief Executive Officer
Bachelor of Economics (Accounting), FAICD, FCPA, SA Fin
Costa commenced employment at Police Credit Union in 2002 in a senior management capacity and was appointed Chief Executive Officer and Company Secretary in July 2007.
Read more… about Costa Anastasiou
Reporting to the Board, Costa is responsible and accountable for the effective and efficient management of all operational aspects of the organisation, including the successful implementation of strategic, risk, governance and culture frameworks.
Costa is a qualified accountant, having started his career with a Top 4 accounting firm before moving into the banking and finance industry in 1987.
With over 36 years of experience working in the financial services sector, he has successfully undertaken diverse senior management responsibilities throughout his career, including financial management, treasury, sales and distribution, marketing and brand management, and strategic and governance positions.
Under Costa’s leadership and direction, Police Credit Union has achieved consistent industry-leading outcomes across the five key pillars of its strategic scorecard, including long-term successes in Financial Performance, People, Culture, Risk and Governance, Innovation and Improvement, Customer Experience, and Community and Environment.
Since his appointment, guided by a clear set of core values based on superior service, honesty, integrity, and financial prudence, his values-based approach has seen Police Credit Union grow to serving more than 40,000 Members, total assets exceeding $1.4 billion, and a growing workforce and branch network across South Australia and Northern Territory.
Other Directorships and Memberships:
- Director, PCU Services Pty Ltd
- Director, Ian Berry Insurance Services Pty Ltd
- Director and Life Member, SA Policy Legacy Inc.
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Paul Modra
Executive Manager, Member Value and Distribution
MBA, MAICD
Paul joined the Police Credit Union team in 2001.
Paul is an experienced senior manager and committed people leader. With over 30 years’ experience in the broader sector and more than two decades with Police Credit Union, Paul has extensive and valued insight when it comes to the needs and wants of our Members.
A key member of our Executive Management team and Deputy CEO, Paul first started at Police Credit Union as a Branch Manager before being promoted to Executive Manager, Product and Marketing, providing him with diverse experience he continues to draw on in his current role as Executive Manager, Member Value and Distribution. Paul is responsible for developing and implementing our customer relationship strategy, as well as the smooth operation of our Branch Network, Direct Lending Unit, Contact Centre, Retail Operations, Product Management and Relationship Management.
During his tenure at Police Credit Union, Paul has implemented our member life cycle strategy, ensuring all segments of our membership are retained and enhanced. He is also responsible for the development and management of income and expense budgets relevant to different portfolios, including interest revenue, non-interest income and salary.
His innovative approach, strong leadership skills and commitment to delivering customer excellence at every opportunity has delivered a Member Satisfaction score consistently above 90% and an average of 4.92 products per member.
Prior to joining Police Credit Union, Paul held a range of roles in the banking sector, including Product Analyst, Assistant Branch Manager, Senior Loans Officer and Member Service Consultant.
He has a Master’s Degree in Business Administration from the Australian Institute of Business. Paul is Chair of the Product and Pricing Committee, which monitors and sets competitive interest rates across all lending and deposit products. He is also a member of the Asset and Liability, Credit Risk, and Compliance and Operational Risk Committees.
Other Directorships and Memberships:
- Member, Finance, Audit and Risk Management Committee,
St Michael’s College Adelaide - Member, Australian Institute of Company Directors
- Member, Finance, Audit and Risk Management Committee,
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Anne Battilana
Chief Financial Officer
B.Comm, Chartered Accountant, GAICD
Anne joined the Police Credit Union team in 2024.
Read more… about Anne Battilana
Anne is a Chartered Accountant with over 20 years of experience in financial reporting, compliance, business process, and audit and regulatory reporting. She has proven skills that span people management, leadership, strategic planning, risk assessment and management, governance and project delivery.
As a member of the Executive Management team at Police Credit Union, Anne oversees all financial resources of the business, including Treasury, and provides strategic financial management leadership, ensuring the continued financial success of the organisation. She is responsible for developing and executing solutions for accounting policies and internal controls whilst managing capital, liquidity and funding.
Before joining Police Credit Union, Anne held senior management roles in a leading national bank for over 17 years, including more than five years as Financial Controller. Prior to that, she was part of the management team for a well-known local wine company and spent over three years with a global Big 4 professional services and accounting firm.
These roles have provided Anne with extensive experience in regulatory and statutory reporting, economic reporting, accounting, external and internal audits and resolutions of audit findings.
Working across multiple teams with other senior leaders, Anne has honed her risk identification skills and key leadership skills, with a focus on building high-performing finance teams and fostering a culture of collaboration across the workforce.
Anne holds a Bachelor of Commerce (Accounting) from the University of Adelaide, a Graduate Diploma from Chartered Accountants Australia and New Zealand, and is a Graduate of the Company Directors Course from the Australian Institute of Company Directors.
Anne is a member of the Product and Pricing Committee and Credit Risk Committee. As Chairperson of the Asset and Liability Committee, she oversees the monitoring of liquidity, interest rate and capital risks.
Other Directorships and Memberships:
- Director (Treasurer), Board of the YMCA Ballarat
- Director (Secretary), Henley and Grange Swimming Club
- Graduate, Australian Institute of Company Directors
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Christie Crouch
Executive Manager, Brand, Marketing and Communications
B.Psych, M.MKT, Graduate Disney Institute, GAICD
Christie joined the Police Credit Union team in 2010.
Read more… about Christie Crouch
With more than a decade of experience gained at Police Credit Union, Christie has played a key role in the organisation remaining the most recognised Credit Union in South Australia.
Originally appointed in 2010 as Marketing Manager, Christie progressed to Executive Management positions for Marketing, Product and People and Culture from 2011. These roles focussed on employee engagement, training and development, recruitment and retention, and product development.
In September 2019 Christie started her current role as Executive Manager, Brand, Marketing and Communications, where she is responsible for brand strategy and development, delivery of compelling customer value propositions, and management of publicity and promotion.
She leads the Marketing team in strategies to attract new customers, with a focus on Member retention as well as supporting our community through a range of community-based sponsorships and events. Since 2006, Police Credit Union has exceeded targets for community investment spend, contributing over $7.3 million to community initiatives.
In addition to being a Member of the Product and Pricing Committee and Innovation Committee, Christie chairs the Community, Environment and Employee Engagement and Diversity Committee.
Prior to joining Police Credit Union, Christie held senior Marketing roles in the real estate sector, where she was recognised for her strong leadership ability through numerous industry awards. Christie has a Master’s Degree in Marketing and a Bachelor of Psychology from the University of South Australia. She also completed a financial management course through the Melbourne Business School and a Customer Experience Business Development program through the globally acclaimed Disney Institute.
Other Directorships and Memberships:
- Australian Marketing Institute
- Carbon Neutral Adelaide
- Graduate, Australian Institute of Company Directors
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James O’Loughlin
Executive Manager, Lending and Credit Management
BEc, Grad. Dip. AppFin, MBA
James joined the Police Credit Union team in 2012.
Read more… about James O’Loughlin
James has an extensive work history that spans more than 30 years in the banking and finance sector, with a proven track record in credit risk management. His advanced analytical skills and strong business and commercial acumen makes him an important part of the Police Credit Union Executive Management team.
As Executive Manager, Lending and Credit Management, James is accountable for leading the responsible credit culture and successfully developing, implementing and monitoring credit policy. He manages the Lending and Credit Management teams who play an important role in assessing personal and home loan applications against strict lending criteria, with a focus on achieving sustainable growth in the loan portfolios. James also leads the Business Banking department, which maintains a strong focus on residential property development.
James is a chartered accountant who started his career with a Big 4 accounting firm before moving to the banking and finance industry. He has held various roles with international and Australian financial institutions, ranging from private banking, business development to senior management positions, as well as experience across accounting, finance, debt restructure, cash management and self-managed superannuation funds.
James has a Masters in Business Administration, a Graduate Diploma in Applied Finance and a Bachelor of Economics from the University of Adelaide. He is Chairman of the Police Credit Union Credit Risk Committee and a member of the Asset and Liability (ALCO) Committee.
Other Director and Memberships:
- Independent Board Member, Law Society, Litigation Assistance Fund
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Ben Stephenson
Executive Manager, Technology and Data
MInfoSysSec, MACS
Ben joined the Police Credit Union team in 2014.
Read more… about Ben Stephenson
As a critical part of the Executive Management team, Ben brings over 20 years’ experience in IT within the mutual banking sector. As Executive Manager, Technology and Data, he heads a team responsible for the security, availability, and integrity of our IT systems and banking platforms, as well as innovation projects.
Ben offers a solid technical background in IT, having worked in frontline support positions earlier in his career before progressing into senior management roles. This diverse range of experience has provided him with a strong background in business processes as well as IT technical skills. Ben continues to champion the need for safe, secure, convenient and reliable IT infrastructure, efficient banking systems and convenient Member access channels across Police Credit Union. This includes various ongoing upgrades across the Credit Union’s core technology platform as well as various iterations of our Banking App and Internet banking technologies. In addition to a range of back-end technology enhancements to protect personal information, Ben has managed various online back-end security initiatives which have further minimised losses for our Members, despite increased online fraud activity.
Prior to Ben’s position with Police Credit Union, he was Network Administrator for a major commercial brand and spent nearly 13 years as Network and IT Systems Manager for a Tasmanian-based leading financial institution. Adding to an impressive skill set, Ben’s experience as a chartered accountant for over five years gives him a solid grounding in accounting principles and practices. He has a Master’s Degree in Information Systems Security at Charles Sturt University and is completing a Graduate Certificate in Cyber Security Governance at RMIT. His professional development efforts include completion of the Police Credit Union Good to Great Leadership program, graduating from the Tasmanian Chamber of Commerce and Industry Management Training, and recognition as a Microsoft Certified Systems Engineer.
Ben is Chair of our Innovation Committee and a member of the Compliance and Operational Risk Committee.
Other Directorships and Memberships:
- Member, Australian Information Security Association
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Laura Fountain
Head of People and Culture
Diploma, Human Resources Management
Laura joined the Police Credit Union team in 2018.
Read more… about Laura Fountain
Laura is an accomplished Human Resources (HR) professional with an impressive track record of over 15 years of experience in the HR industry, including more than 5 years as an integral part of the Police Credit Union team.
Laura first joined Police Credit Union in 2018 as a People and Culture Generalist, before being elevated to People and Culture Manager in 2022 and appointed to her current role in April 2023.
As Head of People and Culture, Laura has responsibility for delivering our People and Culture Strategy. Her primary goal is to attract, nurture, and retain top-tier talent, fostering a workforce dedicated to delivering an unparalleled customer experience. At the helm of her team, Laura spearheads initiatives that include promoting our Employee Value Proposition, handling recruitment, onboarding of new staff, managing employment relations, overseeing performance management, and driving learning and development efforts. She also ensures the alignment of remuneration and benefits, champions workplace health and safety, fosters employee well-being, and orchestrates efforts to enhance employee engagement and retention.
Laura’s influence extends beyond her core responsibilities. She is Chair of the Work, Health, Safety and Wellbeing Committee, underscoring her commitment to fostering a safe work environment. She is an active member of the Compliance and Operational Risk, Staff Superannuation, and Community, Environment, Employee Engagement and Diversity (CEEED) committees. Laura is Police Credit Union’s Return-to-Work Coordinator, First Aid Officer, and Equal Employment Opportunity Officer, reaffirming her dedication to the holistic well-being of our workforce.
Before joining the Police Credit Union team, Laura spent more than 7 years working in the health and not-for-profit sectors, where she honed her strategic and operational expertise across various HR capacities, from generalist roles to managerial positions. Laura’s background also includes a 6-year tenure in recruitment and candidate placement, prior to her transition into HR. Laura holds a Diploma in Human Resources Management and is accredited in Saville Wave Personality Assessment.
Other Director and Memberships:
- Professional Member, Australian Human Resources Institute
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Angela Scarfo
Head of Risk and Compliance
BA (Legal Studies), LLB, GradDip (Legal Practice), MAICD, CPRM
Angela joined the Police Credit Union team in 2023.
Read more… about Angela Scarfo
Angela is an accomplished risk leader with a deep passion for effective risk and compliance management. With a wealth of experience spanning nearly two decades, Angela has demonstrated her ability to drive positive change and foster a strong risk culture within a range of organisations.
In her role as Head of Risk and Compliance at Police Credit Union, Angela ensures our risk management framework is robust and aligned with industry best practice. Her area of responsibility includes business continuity management, fraud management, AML/CTF Compliance and the oversight of corporate insurances and governance. As a member of the Executive Management team, Angela ensures risk and compliance management is integrated into our strategic direction and across our business operations to ensure we appropriately address risks, impending issues and meet all legal and regulatory requirements. In addition to leading a team that maintains the physical security of our branch network and head office, Angela is responsible for managing/assisting with regulator interaction and reporting, and implementation of new and amended legislation and associated staff training across our organisation. This involves overseeing the delivery of extensive fraud and scam awareness training, along with risk management and compliance education. Angela is also Chair of the Compliance and Operational Risk Committee, Police Credit Union’s AML/CTF Compliance Officer, and Chief Risk Officer.
Prior to joining Police Credit Union, Angela worked in senior Risk Management roles in the commercial sector and with leading superannuation funds, as well as in private practice as a lawyer in Real Estate and Risk Management. She has a Bachelor of Arts (Legal Studies) from Flinders University, a Bachelor of Laws from the University of Adelaide and a Graduate Diploma in Legal Practice through the Law Society of South Australia. She has undertaken professional development through the Australian Institute of Company Directors and the Governance Institute of Australia and is a Certified Practising Risk Manager through the Risk Management Institute of Australasia.
Other Director and Memberships:
- Director, Company Secretary and Chair of the Governance, Risk and Nominations Committee, Australasian Legal Practice Management Association
- Executive Member (and Secretary), Risk Management Institute of Australasia
- Member, Australian Institute of Company Directors