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The FCA board, which meets at least six times per year, is made up of seven directors: four are elected from the financial counselling sector, while three external, skills-based directors are appointed by the board. All directors serve a three-year term, with a maximum of two continuous terms.

Directors from the financial counselling sector need to be accredited financial counsellors and are elected by the Representative Council. Any accredited financial counsellor can apply for a position on the board in an election. However, if a state or territory president is elected, they need to resign from that role.

Board members

Carmel Franklin (Chair)

Financial Counselling Director

B.Ed., Dip. Comm Services (Financial Counselling), Cert IV Training and Assessment

Carmel has been involved with consumer issues for many years. She’s the Director of Care Financial Counselling Services and the Consumer Law Centre of the ACT (Care) and has worked with the organisation since 1992. Carmel has been the chairperson of Financial Counselling Australia (FCA) since 2009.

Carmel is a consumer director on the board of the Australian Financial Complaints Authority and is also on the board of Canberra Community Law. She is a former member of the ATO Individual Tax Liaison Group and ASIC’s Consumer Advisory Panel.


Kay Dilger

Financial Counselling Director

Dip. Com Services (Welfare), Dip. Comm Services (Financial Counselling), Cert IV Training and Assessment

Kay came to financial counselling in 2003 after a career in retail banking. She is the manager of the Financial Resilience Program at South East Community Links in Springvale, Victoria. Kay has been on the FCA Board since 2013, and was secretary of Financial and Consumer Rights Council from 2012 to 2018.


Julie Barrow

Financial Counselling Director

Dip Community Services (Financial Counselling) Dip Business Management


Julie is a passionate Consumer Advocate and experienced Financial Counselor specializing in Family Violence with a lens on economic abuse.  She has strong leadership skills and a passion to ensure the growth and sustainability of financial counselling into the future to benefit

Julie was successful in advocating to the State Government for implementation of installment payments for vehicle registrations in Victoria (announced and implemented in January 2018).

She is current representative for Financial Counselling Australia on ASIC Consumer Advisory Panel (appointed in 2018).


Julie retired as Chair of the Financial & Consumer Rights Council (Vic) Board in October 2019 following a term spanning over 4 years, during which time she served as Victorian State Representative on the Financial Counselling Australia Representative Council.


Anne Crouch

Financial Counselling Director

B. Ag Science, Grad Cert Accounting, Dip. Management, Dip. Community Services (Financial Counselling), GAICD.

Anne is the Program Manager, Gambling and Financial Services with Uniting Country SA where she worked as a financial counsellor prior to moving into her leadership role. Anne has just completed a 6 year term as Chair of the South Australian Financial Counselling Association and represents FCA at AFSA’s Personal Insolvency Stakeholder Forums.


Jocelyn Furlan

Appointed director

LL.B, B. Com, Dip Fin Planning (Fdn) GAICD

Jocelyn Furlan is a lawyer and an accountant, with more than 25 years’ experience in the superannuation industry. She’s a director of First State Super and Strathcona Baptist Girls Grammar School, a member of the Australian Institute of Company Directors and chair of Superlife, a charitable community of interest for the superannuation industry. Previous roles include the chair of the Superannuation Complaints Tribunal, executive manager corporate of the Victorian Superannuation Board and its predecessor the State Superannuation Board, and company secretary of VicSuper.

Tony Robinson

Appointed director

B.A. (Hon), M.A. (Australian Studies)

Tony is the senior manager financial inclusion for the Brotherhood of St Laurence. He was a Victorian MP for 13 years, including four years in Cabinet, as Minister for Consumer Affairs. Tony is also on the board of the Migrant Information Centre.


Greg Tanzer

Appointed director

B.Ec, LL.B (Hon)

Greg was most recently a commissioner at the Australian Securities and Investments Commission. Before this, he worked as secretary-general of the International Organisation of Securities Commissions. He has significant experience in regulation, governance and policy development.

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