LWD · Professional-History Brief

Part 1 · Your professional practice

Q1.1

In what year did you commence practising as a specialist debt negotiator / mediator?

Q1.2

In what year was Credit Mediation Services Pty Ltd incorporated, and when did you first hold Australian Credit Licence 387398 (or its predecessor authorisations)?

CMS incorporated:

ACL 387398 held from:

Q1.3

Which best describes CMS's practice model? Tick all that apply.

Personal debt negotiation (consumer credit, cards, personal loans) Business / small-business debt negotiation Commercial debt restructuring Debt-collection defence Financial hardship / vulnerability advocacy Bankruptcy alternatives / pre-insolvency advisory Regulatory / compliance advocacy on behalf of debtors Other:

Q1.4

Give me one scale marker we can quote, a number a sophisticated donor, board colleague, or journalist would recognise as evidence of practice depth.

Examples of the form only:

“negotiated $X of consumer debt over N years”
“handled N cases across the practice's lifetime”
“oldest specialist AU practice of its kind (N years)”
“X% average reduction on qualifying cases”

Q1.5

What credentials, memberships or authorisations do you hold personally (as distinct from CMS-the-entity)?

e.g. ACL responsible-manager status, AFCA membership, industry-body memberships, formal qualifications.

Q1.6

Sector recognitionthe site references “As seen on...” with SMH and other outlets. Which coverage would you want catalogued as citable? Any coverage you'd prefer NOT to reference?

Include:

Exclude:

Q1.7

Are there specific historical practice statistics (waiver percentages, reduction ranges, resolution timeframes) you'd be comfortable being quoted by LWD as “in the CEO's 30 years of practice, typical outcomes for qualifying cases fell in the range X to Y%”? Or bright-line-no for regulatory / ASIC reasons?

Genuine question, flag for Deen if unclear. Practice-statistics quotes have ASIC/AFCA implications.

Yes, the following statistics are safe to quote: No, practice statistics stay in the practice Flag for Deen Other:

Part 2 · Creditor-side relationships & industry standing

Your 30 years puts you on first-name terms with a generation of AU bank hardship teams, AFCA staff, ASIC contacts, and industry-body figures. Some of that relational depth is publishable; some is not. This maps what LWD can and can't lean on.

Q2.2

Of those ticked, which relationships would you actively be willing to deploy on behalf of LWD in Y1, for referral pathways, policy conversations, or credibility endorsements?

Q2.3

Which relationships would you specifically want to keep out of LWD-facing communications?

No explanation needed. Could be competitive-conflict, active AFCA matter, or a relationship you preserve carefully for CMS operations.

Q2.4

Any specific industry publications, conferences or forums you'd want LWD visible in and where you have the professional standing to open the door?

Q2.5

Media positioning how much of your practitioner authority do you want to lean into on behalf of LWD? Tick one.

Activelyposition me as an on-the-record spokesperson for consumer-credit reform in palliative-care contexts SelectivelyI'll speak on record for stories LWD has vetted, not generally Reactively onlyLWD spokesperson is Corrina/Lisa; I'm named-founder-not-media-face Other:

Part 3 · Your LWD roles, and the CMS relationship

You wear two director hats LWD Founding Director & CEO, and sole director of Credit Mediation Services Pty Ltd. Every question here has related-party- transaction weight. Deen and Carla will care about the answers.

This section drives related-party-transaction governance and constitutional clause-23 remuneration disclosures. Flag any question for Deen if unsure.

Q3.1

Which label do you want as your primary public title on the LWD site? Tick one.

Founding Director & CEO Co-founder & CEO Founding CEO, holder of ACL 387398 via Credit Mediation Services Pty Ltd Something else:

Q3.2

How should the CMS ↔ LWD relationship be described publicly?

WIND-DOWNCMS ceases new-client acceptance on LWD launch; existing matters run out; LWD is the going-forward vehicle PARALLEL + ARM'S-LENGTHCMS continues as separate commercial entity; LWD contracts CMS for licensed-practitioner services under Board-approved service agreement PARALLEL + DECLININGCMS keeps non-palliative caseload; palliative and hardship-vulnerable cases move to LWD referral NOT YET DECIDEDwant to discuss with Board / Deen / Carla first Other:

Q3.3

Regardless of Q3.2, do you want the site to explicitly disclose the CMS directorship and two-entity structure, or keep it in the constitutional / governance layer only?

EXPLICITfront-and-centre in every founder bio STANDARD/governance-public and /faq only, not on marketing pages CONSTITUTIONAL-LAYER ONLYdisclosed in the constitution and register-of-interests; not featured elsewhere Other:

Q3.4

Remuneration positioning Y1 budget indicates CEO salary ~$165K (authorised range $150K to $180K). Framed publicly as?

Named amount + benchmarked-to-sector language Range-only + benchmarked-to-sector language “Board-approved market-rate salary, per constitutional clause 23” no figure disclosed Deferred discussion until board is formalised Other:

Part 4 · Your practitioner witness

Not asking for founder-voice launch copy. Asking for what 30 years of practice has you specifically able to testify to, in ways nobody without that practice can. Short, direct answers. Bullets fine.

Q4.1

In 30 years negotiating consumer debt on behalf of individuals, what have you specifically witnessed about how creditors treat debtors who are terminally ill, life-limited, or in serious health crisis? What do you know that someone reading a policy report doesn't?

Q4.2

In your professional judgement, where does the current system most seriously fail these debtors? Multiple bullets fine.

Q4.3

Why convert to a charitable vehicle now, after 30 years running a commercial licensed practice? The professional reason, not personal.

Q4.4

If you could get one policy or industry- practice change made in Australian consumer credit as it applies to terminally / seriously ill debtors, what would it be?

Q4.5

If a journalist called from a broadsheet financial- affairs desk and asked “what makes LWD credible when there are already financial counsellors, community legal centres, and the National Debt Helpline?”what's your one-sentence answer that only a 30-year licensed practitioner could give?

Q4.6

Which credential of yours should be in the first line of your bio on the LWD site?

Part 5 · What you want not-said

Highest legal-sensitivity section of the brief. Flag any question you want Deen's review on before finalising.

Q5.1

Anything about specific past cases, past clients, or past outcomes you'd want firmly kept out of LWD publications? (This is about incidents that shouldn't even be composited from.)

Q5.2

Anything about specific creditors, banks, or industry players you'd want kept out of LWD-branded material?

Active AFCA matter, settled dispute, confidentiality obligations, preserved relationship, etc.

Q5.3

Any framing of the CMS ↔ LWD story you'd actively steer clear of?

Examples of the FORM (none are true; question is what you don't want inferred by a hostile reader): “failed commercial venture pivots to charity”, “for-profit-cleaning-up-in-a-halo”, “founder can't retire so builds a charity”.

Q5.4

Any regulatory-relationship considerations that constrain what LWD can say about the consumer-credit sector? Some things you can privately assert as a practitioner that would strain the ACL relationship if LWD said them publicly.

Q5.5

Personal-history material family, health, personal experience, how comfortable being in donor / media materials? Tick one.

Not at all, professional practice speaks for itself Only in materials I've personally reviewed and signed off, case-by-case Comfortable with modest personal-story framing if it's true and I've reviewed it Full personal story is fine, at my initiative

Part 6 · Governance, advisors & board

Q6.1

Deen Sanders as Board-Appointed Legal Advisor, is his appointment formally resolved, in-progress, or scoped-to-resolve-on-incorporation? What can the site say about him today?

Q6.2

Carla Oliver as Board-Appointed CFO Advisor, same question. What can the site say about her today?

Q6.3

Remaining Board seats (independent directors), current state: actively recruiting, shortlisted, deferred until incorporation? How much should the site say publicly?

Q6.4

Do you want the /board-advisor-charter artefact (public-facing document naming Deen and Carla explicitly and explaining the advisor-scaffolded governance model as deliberate design) to proceed to draft-for-your-review?

Yes, proceed to draft Yes, but only after Deen has cleared his section Not yet, hold until board is fully formed No Other:

Part 7 · Logistics

Q7.1

Do you want to review the final /founders-professional-witness page before it's published, even in draft-not-linked state?

Yes No, trust the process Yes and I want Deen/Carla to see my review

Q7.2

Would you like a 30-minute call to walk through any of the above rather than answering by email? (Longer than Lisa's 15 min because Parts 3 and 5 have governance weight and might benefit from voice.)

No, email is fine Yes, best times this week:

Q7.3

Do you want Deen to see this brief and your answers before they go into /founders-professional-witness.html?

Yes, for the whole brief Yes, for Parts 5 and 6 only No, send once, I'll flag anything to Deen myself Other:

Q7.4

By when could you have this back? A realistic date, not aspirational. If it's 2 weeks because you need to draft carefully, that's fine.