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Board of Directors

Ross Fraser


Ross is a Managing Director of a Warwick based national livestock transport business. Ross has held several national positions in the transport industry.

Alan Olsen


Alan owns and operates a retail hardware business in Warwick. Alan has strong business acumen and holds a Bachelor of Business Degree, is a CPA and a Graduate of the Australian Institute of Company Directors.

David Jay

Board Member

David holds a Master of Business Administration from Monash University and an Economics degree from Macquarie University amongst his many qualifications. David is a Fellow of CPAs Australia, the Financial Services Institute of Australasia and the Australian Mutuals Institute (Instil). He is a seasoned Director and a Member of the Institute of Company Directors.

Elle Pembroke

Board Member

Elle has strong credentials in finance and an impressive background including experience with BDO, Queensland Treasury Corporation and most recently local government. She holds degrees in Business Management and Commerce.

Paul McMahon

Board Member

Paul manages the Rowe Group of companies which has a diverse investment portfolio. He holds a Master of Business Administration, an accounting degree, is a CPA as well as a graduate of the AICD course. He is Treasurer of St Andrews Toowoomba Hospital and a director of the Prince Charles Hospital Foundation. He also owns and operates a farming property west of Warwick.

Bob Hogarth

Board Member

Bob is Managing Director of his own consulting firm following a highly successful career as an executive in the banking industry. Bob is an experienced board member and a human resources and management professional with over 25 years at executive level. Bob has a Masters of Business Administration and an Associate Diploma in Administration.

Executive Team

John Ford

Chief Executive Officer

John is a highly experienced banking executive with over 30 years’ experience working for seven (7) banks, building societies and credit unions during his banking career. He has a strong commitment to member owned banks, serving as CEO at three different ADI’s prior to commencing at Warwick Credit Union in August 2023.

His qualifications include a bachelor’s degree, Graduate Diploma in Business Studies, Advanced Diploma in Superannuation and is a graduate of the Australian Institute of Company Directors (GAICD).

Outside of banking, John has rural interests in Queensland and NSW.

Stephen Owens

Chief Risk Officer

Stephen was appointed interim Chief Risk Officer in July 2023 and moved permanently into the role in November 2023. He is responsible for developing appropriate frameworks and overseeing Warwick Credit Unions’ approach to credit, financial, operational risk, and regulatory compliance. He has more than 25 years experience in financial services in various roles with blue chip companies in the UK, USA and Australia. Stephen holds a Master of Business Administration, a business degree, is a professionally qualified Internal Auditor as well as a graduate member of the Australian Institute of Company Directors.

Craig Armstrong

Chief Customer Officer

Craig has over 30 years experience in the banking and finance industry. Craig has qualifications from the UNSW Australian Graduate School of Management – Executive Management, Finsia – Professional Banking Fundamentals and AICD – Company Directors Course.

Kellie Doherty

Chief Financial Officer

Kellie served as a regulatory accountant for 11 years at the Warwick Credit Union and is now Chief Financial Officer. She has completed a Bachelor of Commerce through USQ and is a Chartered Accountant. Kellie previously worked in Banking and Accounting roles prior to joining WCU.