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Meet The Team

Our people are our greatest asset

Meet the team

At Southern Cross Credit Union, we understand our people are our greatest asset.

To get in touch, simply click on the name of the team member you would like to speak with to be directed to their contact form.

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Home Loan Specialists

Ballina & Lismore Region

Joshua Booyens
Phone: 0476 802 484

For over 15 years, Josh has been helping people across Australia realise their dreams of home ownership. With broad banking experience, Josh understands that no two customers are the same. Josh will take the time to listen and is driven to find a home lending solution that is best suited to helping achieve your financial goals.

Josh is an active participant in the local business communities around Ballina and Lismore. He is also a talented brass musician, performing with a number of local bands. You may even bump in to him running along some our region's spectacular beaches and trails.

As a Mobile Home Loan Specialist, Josh can come see you at work, home or even a local cafe at a time and day (including weekends) that best suits you.

Cabarita Beach & Tweed Heads Region

Rachael Batchelor
Phone: 0400 435 024

Rachael is the Home Loan Specialist at our Tweed City Financial Service Centre, and is happy to see customers at a convenient location and time - because we understand it can be difficult to get in to see us between 9 and 5. 

Rachael is passionate about building strong relationships with her customers and gaining a deeper understanding of their goals, dreams and aspirations. She takes the time to get to know each and every customer to establish a true understanding of their individual needs.

Having worked in financial services for more than 28 years, Rachael looks forward to using her experience to assist you with all your banking needs.


Byron & Mullumbimby Region

Cath Beamer
Phone: 0476 831 193



Murwillumbah Region

Todd Savins

Todd joined SCCU back in 2008 as a Loans Officer at the Mullumbimby branch. Since that time Todd has held various lending and leadership positions and is now Branch Manager at Murwillumbah. Todd loves getting to know the local community and working closely with his team.

Todd has a Bachelor of Business (Convention & Event Management) and a Certificate IV in Financial Services.

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Branch Managers


Kym Lawler

Kym has worked in the financial industry for more than 23 years, in Sydney and more recently on the Far North Coast. Kym joined Southern Cross Credit Union as Branch Manager for Byron Bay and Lennox Head in 2015.

Kym has qualifications in Financial and Banking Services, Banking Services Management and Frontline Management. Kym is committed to empowering her team through development and coaching. She values the business of our customers and genuinely cares about their financial goals and helping people plan for the future.

Byron Bay

Virginia Goss
Phone: 0437 480 663

Virginia has spent the last 12 years working in finance in Melbourne and, more recently, the Northern Rivers. She has a Bachelor of Business (Economics) and is currently undertaking Postgraduate study at Southern Cross University.

Virginia loves to get involved in community and local business events and has previously managed a refugee employment program and sat on the committee of a Women in Finance group. In her spare time, Virginia volunteers with a couple of community groups located in the Byron Shire.

Cabarita Beach

Simone Millar

Simone has been in the banking industry since 2010. As Branch Manager, Simone is committed to empowering people to take control of their finances, and the success and growth of her branch and her team. Simone loves meeting new people and building relationships with small businesses and community groups.

Simone has a Certificate IV in Retail Banking as well as a Certificate IV in Fitness.


Natalia Mudge

Natalia has more than 20 years experience in the financial services industry, a Diploma in Frontline Management and Financial Services and is currently completing a part time business degree. 

Having been away for more than 15 years, Natalia is happy to be back home on the NSW North Coast.


Cassie Nicole

Cassie has more than 14 years' experience in financial services within the Northern Rivers and Tweed regions. Cassie is an experienced home and personal lender, leader and branch manager and is dedicated to helping people find the best solution to suit their needs.

Cassie has a Bachelor of Arts (Psychology), Diploma in Mortgage Broking and Finance Management and a Certifcate IV in Financial Services.


Todd Savins

Todd joined SCCU back in 2008 as a Loans Officer at the Mullumbimby branch. Since that time Todd has held various lending and leadership positions and is now Branch Manager at Murwillumbah. Todd loves getting to know the local community and working closely with his team.

Todd has a Bachelor of Business (Convention & Event Management) and a Certificate IV in Financial Services.

Tweed City

Tara Armbruster

Tara is an experienced banking and finance professional having held a diverse range of roles across the finance, customer service and telecommunication industries.

She is focused on delivering exceptional customer experiences and building meaningful relationships with customers, team members and the community.

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Premium Banking

Head of Premium Banking

John Cutler
Phone: 0488 162 009

John joins SCCU with over 30 years banking experience in leadership positions within Corporate and Business Banking, as well as Retail and Franchise banking.

John is passionate about the Gold Coast and Northern Rivers regions, having previously been involved in the Institute of Business Leaders, RDA Gold Coast, Gold Coast Economic Advisory Board, and guest lecturer at Bond University.

John brings a wealth of experience to SCCU and shares our passion for establishing meaningful relationships with our customers and our communities through the delivery of exceptional customer service.

Premium Banker

Steve Distant
Phone: 0401 036 535

Steve has more than 15 years’ experience in finance and banking and has lived in the Tweed Heads region since 1999.

Steve loves helping his customers find their dream home and keeps things easy by ensuring your banking experience is as simple and smooth as possible. He has completed a Diploma in Management.


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Business Banking Specialist

Business Banking Specialist

Andrew McAdie
Phone: 0476 813 595

Andrew started his career in Melbourne with the State Bank of Victoria, moving into Business Banking following the merger with the Commonwealth Bank. After a brief period as an Equipment Finance broker, Andrew owned and managed his own small business in Industrial supplies, before relocating to Queensland in 2005.

For the previous 10 years Andrew was working with a big four bank as a Relationship Executive in Business Banking for Small and Medium Enterprises.

With his children grown up, and almost moved out, Andrew enjoys travel with his wife, AFL and fishing.

Broker Relationships

Business Development Manager for Broker Relationships

Ian Townend
Phone: 0400 422 601

Ian has been a part of our Northern Rivers community for over 10 years.

As a former Broker and specialist for Third Party channels, he is now leading the design and implementation for Broker introduced business across our residential and commercial lending channels.

Ian has over 17 years experience in the banking and finance industry and an extensive knowledge of financial product lines including retail, commercial, LMI and insurance.

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Executive Management

Chief Executive Officer

Stuart Edwards

Stuart was appointed to the role of Chief Executive Officer in 2015 and also holds the position of Executive Director. Stuart is a highly successful strategic business leader with more than 25 years’ experience in the Financial Services industry across listed banks and the customer owned, mutual sector.

Since joining Southern Cross Credit Union Stuart has led the complete transformation of the business delivering positive results in the key strategic areas including organisational culture, employee engagement, financial performance, process improvement and customer experience.

Stuart is a member of the Australian Institute of Company Directors, holds a Diploma in Financial Services and has completed various executive level management and leadership qualifications.

Living locally in the Northern Rivers region Stuart is passionate about the role customer owned financial institutions can, and should, play in supporting strong and healthy communities.

Chief Financial Officer

Brett Myles

Brett is responsible for the financial management of the Credit Union, as well as strategy and implementation of SCCU’s information and communication technology objectives. Brett worked in the Audit and Assurance section of a big 4 accounting firm for nine years, before joining the banking and finance industry in 1994.

Brett is passionate about mentoring and developing his team and implementing technology for efficiency gains. He is a strong advocate for using technology to improve the customer experience.

Executive Manager, Risk & Compliance

Simon Lehmann

Simon is responsible for the risk, compliance and regulatory governance of Southern Cross Credit Union, also ensuring that our services are easy to understand and use. He has more than 25 years’ experience in the banking and finance industry having worked in both listed banks and the mutual sector. His expertise spans retail banking, lending operations, project management, risk and training.

Executive Manager, Distribution

Craig Barker

Craig has more than 35 years’ experience in financial services in Australia and Asia, across a broad range of functions. Included in these is the development and management of distribution networks across multiple channels. 

At SCCU, Craig is responsible for business and customer outcomes; and our people who deal directly with our customers to help them achieve their dreams.

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Board of Directors


John Rutledge

John is Chairman of the Board of Southern Cross Credit Union. During his tenure on the Board, John has overseen the appointment of the new CEO and revised staff structure while facilitating many contemporary changes to governance at Southern Cross Credit Union.

With 30 years’ involvement at an executive level in the administration, management and financial aspects of Local Government, John is always mindful of the importance of Board decisions on improving the customer owned banking experience.

Deputy Chairman

Guy Bezrouchko

Guy is a Director and Deputy Chairman of Southern Cross Credit Union, having been elected to the Board in June 2006. Guy has served on the Audit and Risk Committees during this time and was Chairperson of the Audit Committee between 2013 and 2015.

Having lived in the Northern Rivers region for over 25 years, Guy strongly believes in the value of a local, community based and owned banking institution. Guy's practical senior experience in both large cooperatives and local government brings strong financial expertise to the board.

As an active community participant in the region, Guy is committed to ensuring SCCU meets the needs of today's banking customers by delivering an exceptional customer banking experience.

Director | Chair, Risk Committee

Belinda Henry

Belinda is a Director of Southern Cross Credit Union having been elected to the Board in June 2011, and as Chairperson of the Risk Committee in November 2015.

Having lived in the Tweed her entire life, Belinda is dedicated to ensure that we, as a local, community based and owned banking institution, continue to support our community organisations, our customers and our local businesses by delivering an exceptional customer banking experience.

Belinda holds a Bachelor of Laws, has practiced as a lawyer in the Tweed for the past 14 years, and is the managing partner of a successful law firm in the Tweed. Belinda brings her legal skills and expertise to the board in ensuring effective prudential management and governance.

Belinda was awarded Business Woman of the Year at the 2016 Tweed Coast Women’s Awards.


Pauline Ross

Pauline is a Director of Southern Cross Credit Union and was re-elected to the Board at the 2016 Annual General Meeting. Pauline previously served as a Director from August 2005 to April 2016.

Trained as a registered nurse, Pauline has held numerous senior positions in the Health sector including General Manager (CEO) Richmond Health Service and Deputy Director-General for the Department of Families.

Pauline is experienced in developing policy frameworks and strategies in both Health and Financial Services and is a member of the Australian Institute of Company Directors.

Pauline has a Diploma in Nursing Administration, Bachelor of Health Administration, Master of Public Policy and a Diploma of Financial Services.


Alvaro Lozano

Alvaro has been a Director of Southern Cross Credit Union since February 2017.

Alvaro has degrees in science and engineering, as well as a postgraduate degree in Project Management. Having lived in the Far North Coast for close to 14 years, Alvaro has been involved in senior management positions both in Local Government and private enterprise. Alvaro is experienced in the management of information technology projects having an expertise in business process efficiency initiatives.

Alvaro has joined the board as a contributor to the decision making to ensure SCCU customers are provided extraordinary value through a modern, efficient and friendly customer banking experience.

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