Australian Financial Security Authority Executive and Leadership Team

June, 2026

Leadership Overview

Australian Financial Security Authority has 8 executives leading key functions including strategy, finance, operations, and human resources.

Driven by a commitment to financial stability, Australian Financial Security Authority supports individuals and small businesses facing financial difficulties, ensuring a robust credit system for the Australian community through comprehensive debt help and bankruptcy services.

Leadership Roles at Australian Financial Security Authority

  • Chief Executive Officer - Timothy Beresford
  • Chief Financial Officer - Cleo Boutzios
  • Chief Operating Officer - Gavin McCosker
  • Chief Operating Officer (SES Band 2) - Jennifer Dobell
  • Chief of Staff - Michelle Kelly
  • Chief Information Officer - Joshua Smith
  • Chief People Officer - Karina Rasanen
  • Timothy Beresford - Chief Executive Officer

    Timothy Beresford, the Chief Executive Officer at Australian Financial Security Authority, directs the overarching strategy and operational framework for personal insolvency and bankruptcy matters across Australia. Overseeing the agency's mandate, Timothy Beresford ensures the provision of essential services like debt assistance, bankruptcy application processing, and creditor rights guidance. This leadership role involves fostering a strong credit system for the Australian community by supporting individuals and small businesses navigating financial distress. The Chief Executive Officer also guides the regulation of insolvency practitioners and the maintenance of the critical Personal Property Securities Register, directly impacting the integrity of financial dealings nationwide. Beresford's strategic vision drives AFSA's mission to provide accessible financial solutions and maintain public confidence in the nation's financial infrastructure.
    Timothy Beresford

    Cleo Boutzios - Chief Financial Officer

    Cleo Boutzios, the Chief Financial Officer at Australian Financial Security Authority, manages all financial operations and fiscal strategy for the agency. Overseeing budget allocation, financial reporting, and resource management, Cleo Boutzios ensures the sustainable funding of AFSA's critical services, including debt help and bankruptcy administration. This executive function involves rigorous financial planning to support individuals and small businesses facing economic hardship, thereby contributing to a stable credit system. The Chief Financial Officer also directs internal controls and financial compliance, safeguarding public funds and maintaining accountability. Boutzios's financial acumen is vital for optimizing operational efficiency and supporting the agency's regulatory responsibilities, including the oversight of insolvency practitioners and the Personal Property Securities Register.

    Gavin McCosker - Chief Operating Officer

    Gavin McCosker, the Chief Operating Officer at Australian Financial Security Authority, directs the day-to-day operational activities and service delivery across the agency. Overseeing the implementation of policies related to personal insolvency and bankruptcy, Gavin McCosker ensures the effective provision of debt help, bankruptcy application processing, and creditor rights information nationwide. This leadership position is critical for supporting individuals and small businesses experiencing financial difficulties, thereby bolstering the Australian credit system. The Chief Operating Officer also manages the operational aspects of regulating insolvency practitioners and maintaining the Personal Property Securities Register. McCosker's focus on operational excellence drives efficiency and effectiveness in AFSA's mission to provide accessible financial solutions and maintain public trust.
    Gavin McCosker

    Jennifer Dobell - Chief Operating Officer (SES Band 2)

    Jennifer Dobell, the Chief Operating Officer (SES Band 2) at Australian Financial Security Authority, spearheads critical operational enhancements and strategic service delivery improvements. Overseeing key functional areas, Jennifer Dobell drives initiatives to optimize the administration of personal insolvency and bankruptcy matters, ensuring AFSA effectively supports individuals and small businesses facing financial challenges. This executive function is vital for maintaining the integrity of the Australian credit system through efficient debt assistance and bankruptcy application processes. The Chief Operating Officer (SES Band 2) also directs efforts to enhance the regulation of insolvency practitioners and the management of the Personal Property Securities Register. Dobell's leadership focuses on operational resilience and service excellence, reinforcing AFSA's commitment to financial security and public confidence.
    Jennifer Dobell

    Michelle Kelly - Chief of Staff

    Michelle Kelly, the Chief of Staff at Australian Financial Security Authority, provides strategic support and operational coordination for the executive leadership team. Managing key initiatives and facilitating cross-departmental communication, Michelle Kelly ensures the efficient execution of AFSA's mandate concerning personal insolvency and bankruptcy matters. This role involves streamlining operations to enhance the delivery of debt assistance and bankruptcy application services, directly supporting individuals and small businesses. The Chief of Staff also plays a crucial part in policy implementation and stakeholder engagement, aligning AFSA's activities with broader Treasury portfolio objectives. Kelly's oversight contributes to the agency's effectiveness in regulating insolvency practitioners and maintaining the Personal Property Securities Register, reinforcing the integrity of Australia's credit system.

    Joshua Smith - Chief Information Officer

    Joshua Smith, the Chief Information Officer at Australian Financial Security Authority, leads the technology strategy and digital infrastructure supporting AFSA's core functions. Overseeing the development and maintenance of IT systems, Joshua Smith ensures the secure and efficient delivery of services related to personal insolvency, bankruptcy, and the Personal Property Securities Register. This role is pivotal in enhancing the accessibility of debt help and bankruptcy application processes for individuals and small businesses across Australia. The Chief Information Officer drives innovation in digital solutions, improving operational efficiency and data integrity. Smith's technological leadership is essential for safeguarding sensitive financial information and supporting the agency's regulatory oversight of insolvency practitioners, thereby strengthening the national credit system.
    Joshua Smith

    Karina Rasanen - Chief People Officer

    Karina Rasanen, the Chief People Officer at Australian Financial Security Authority, directs human capital strategy and organizational development to support AFSA's mission. Overseeing talent acquisition, employee engagement, and workforce planning, Karina Rasanen ensures the agency possesses the skilled personnel necessary to manage personal insolvency and bankruptcy matters effectively. This role is fundamental to providing robust debt help and bankruptcy services to individuals and small businesses, contributing to a stable credit environment. The Chief People Officer fosters a culture of performance and continuous improvement, essential for the agency's regulatory functions, including the oversight of insolvency practitioners and the Personal Property Securities Register. Rasanen's leadership in people management strengthens AFSA's capacity to serve the Australian community.

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    Frequently Asked Questions Regarding Australian Financial Security Authority Top Executives and Leadership Team

    Who leads Australian Financial Security Authority?
    Australian Financial Security Authority is led by Timothy Beresford (Chief Executive Officer), along with executives such as Cleo Boutzios (Chief Financial Officer) and Gavin McCosker (Chief Operating Officer).
    Who is part of Australian Financial Security Authority’s executive team?
    The executive team of Australian Financial Security Authority includes leaders such as Timothy Beresford (Chief Executive Officer), Cleo Boutzios (Chief Financial Officer), Gavin McCosker (Chief Operating Officer) and other senior executives.
    How many executives does Australian Financial Security Authority have?
    Australian Financial Security Authority has 7 executives leading key business areas.
    What roles are included in Australian Financial Security Authority’s leadership team?
    The leadership team of Australian Financial Security Authority includes roles such as Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Chief Operating Officer (SES Band 2), Chief of Staff.