Our People
Our people are professional, experienced and dedicated to the success of the business. We understand the critical importance of customer satisfaction and will put the customer experience at the forefront of everything we do, to deliver outstanding results and a seamless experience, time and time again.

Alan Greenstein
Alan has extensive experience in credit, risk management, executive management and investments, having led a number of banks and financial services businesses in South Africa. He co-founded a family office in Sydney, and consulted extensively in banking and financial services. Most recently, Alan conceived, built and managed a direct mortgage originator for an Australian direct insurer, in association with a well-known Australian banking group.
• Zagga Credit Oversight Committee Member
• Zagga Investment Risk Committee Member
• Zagga Compliance Committee Member
• Zagga Responsible Manager for AFSL and ACL

Edwin Morrison
Edwin is a partner of K3, a legal, accounting and consulting firm, and co-founder of Zagga. He is a property, commercial and finance specialist and is a LLB and B.A graduate from Victoria University.
• Zagga Compliance Committee Member

Kevin Berkowitz
Kevin is a highly successful businessman with a proven track record of success. He founded and self-managed his company, which, over a period of twenty years, he grew into a multi-million dollar market leader. That business was acquired at a significant premium by a private equity group, some years after which Kevin exited the business. Kevin is an entrepreneur with investments in several businesses across a broad spectrum of activities. He was one of the founder investors in "Jemstep", a ground-breaking "robo-technology" company that successfully automated investment recommendations in the wealth management field. His significant business acumen, personal skills, and knowledge are of enormous value to Zagga.
• Zagga Investment Risk Committee Chair

Marcus Morrison
Marcus is the co-founder, CEO and Director of Zagga in New Zealand as well as the co-founder and Executive Director of Zagga. He is a highly experienced management consultant and business leader who has worked globally for some of the world’s most notable and successful organisations in the area of general management, organisational strategy, sales & marketing and people. He has an enviable track record of driving commercial success across a range of industries – including global banking and finance – and is regarded as a leading commercial strategist. Additionally, he has set up and operated a range of successful businesses in the service, importing, and consulting arenas. He holds B.Sc. (1st Class Hons) and B.A. degrees from Victoria University of Wellington.
• Zagga Credit and Risk Committee Member
• Zagga Compliance Committee Member

Michael Blumenthal
Michael is an experienced investor, consultant and entrepreneur, having been involved in multiple successful start-ups. Starting his own first business at the age of 17, Michael ventured out to build a successful career as a stockbroker at a large US brokerage before taking up the reins as director, and then subsequently CEO, of a large family enterprise. In 2008, Michael founded “Jemstep”, a ground-breaking “robo-technology” company that successfully automated investment recommendations in the wealth management field. Jemstep received multiple patents in the US and other countries and has since won numerous industry awards. Jemstep was sold in 2016 to Invesco (NYSE:IVZ), one of the world’s largest mutual fund companies.

Peter Clare
Peter is a financial services industry icon with many years of leadership and executive experience heading up a number of leading financial institutions including Commonwealth Bank, Westpac and St George. Most recently, Peter was CEO of Westpac New Zealand Limited, a division of Westpac Banking Corporation Limited.
Peter is active in the leadership of Australia's fintech scene currently serving as Chairman of Zagga Group and ChimpChange Limited (CCA.AX), as well as holding directorships with Rubik Financial Limited (RFL.AX), Scottish Pacific Group Limited (SCO.AX), Digicash and Capital Market Technologies.
Peter is a member of the Australian Institute of Company Directors and the Governance Institute of Australia, and a fellow of CPA Australia and the Financial Services Institute of Australasia (FINSIA).
• Zagga Compliance Committee Chair
• Zagga Credit and Risk Committee Chair
• Zagga Holdings Chair

Alan Greenstein
Alan has extensive experience in credit, risk management, executive management and investments, having led a number of banks and financial services businesses in South Africa. He co-founded a family office in Sydney, and consulted extensively in banking and financial services. Most recently, Alan conceived, built and managed a direct mortgage originator for an Australian direct insurer, in association with a well-known Australian banking group.
• Zagga Credit Oversight Committee Member
• Zagga Investment Risk Committee Member
• Zagga Compliance Committee Member
• Zagga Responsible Manager for AFSL and ACL

Frank Hageali
Frank is a Certified Property Practitioner and Funds Manager by the Australian Property Institute, a Certified Practicing Valuer by Australian Values Institute, and is a Fellow of the Australasian Institute of Banking and finance.
With a career in the finance and property industry spanning 25 years, his previous roles include Senior and Management positions in Corporate, Institutional and Property divisions at Australia’s major financial Institutions including Commonwealth Bank, ANZ, St.George Bank as well as HBOSA.
Mr Hageali holds a Bachelor of Economics from Western Sydney University, Masters in Property Investment and Development from Western Sydney University and a Graduate Diploma of Property (Valuation) from Deakin University.
• Zagga Credit Oversight Committee Member

Marcus Morrison
Marcus is the co-founder, CEO and Director of Zagga in New Zealand as well as the co-founder and Executive Director of Zagga. He is a highly experienced management consultant and business leader who has worked globally for some of the world’s most notable and successful organisations in the area of general management, organisational strategy, sales & marketing and people. He has an enviable track record of driving commercial success across a range of industries – including global banking and finance – and is regarded as a leading commercial strategist. Additionally, he has set up and operated a range of successful businesses in the service, importing, and consulting arenas. He holds B.Sc. (1st Class Hons) and B.A. degrees from Victoria University of Wellington.
• Zagga Credit and Risk Committee Member
• Zagga Compliance Committee Member

Steven Levy
Steven Levy has been part of the core team since inception and comes with a high level of experience in portfolio management, investor relations and capital markets. As a Chartered Accountant (CA ANZ), He is a key operator of the business and member of both the Investment and Credit Committees.

Tom Cranfield
Tom is an experienced company director, banker and property developer/investor with ten years’ experience in investment for special situations and real property via both private credit and mainstream capital markets. Previous roles include Relationship Credit Manager ANZ Corporate Property Group; Associate Director ANZ Singapore; and Associate Director Secured Lending, with work completed for major Australian banks, fund managers, insolvency firms and private developers. His career commenced with National Australia Bank after completing a Bachelor of Commerce degree.
• Zagga Credit Oversight Committee Member

Carolina Jimenez
Carolina has worked across a number of industry sectors including financial Services, government, technology, property and private wealth. Carolina is a natural-born leader and team player who is highly proficient in forging and nurturing solid working relationships with stakeholders and investors, creating strategic partnerships and helping to drive growth for the business.

Damian Khouri
Damian is an experienced real property and financial analyst within the Banking and Property Finance sector. Damian’s skill set covers construction development feasibilities and structuring sophisticated debt and equity financing secured against various real property assets.
Damian currently holds a Bachelor of Business from UTS, with a double major in Finance and Business Law.

Erica Tsang
Erica is a senior marketing professional with over 20 years' experience in financial services. Erica brings with her extensive experience in product and relationship management, customer experience, retention and strategic marketing having worked across a multitude of positions for many established financial services organisations including Macquarie Bank, Virgin Money and Greenstone Financial Services.

Glenn Morris
Glenn has over 30 years of experience in the banking and finance industries.
He has managed large wholesale and retail loan portfolios and is a specialist in residential, commercial and rural lending.

Jacob Nightingale
Jacob started his career as a financial auditor within Deloitte having successfully gaining accreditation as a Chartered Accountant in Australia and New Zealand.
Jacob brings a strong work ethic to managing relationships with clients. Coupled with his experience in construction and property management, Jacob is in a strong position to provide customised solutions for our investor clients to help provide the best outcomes for them.
Leanne Hui
Leanne is a professional project manager with experience delivering the implementation of new servicing models, driving exception customer experience as well as system and process efficiencies.
With 12+ years experience specialising in operations support within a global financial institution, Leanne brings her amazing array of skills to Zagga to help drive the administrative efficiency and to make processes simpler and easier for our clients.

Alan Greenstein
Alan has extensive experience in credit, risk management, executive management and investments, having led a number of banks and financial services businesses in South Africa. He co-founded a family office in Sydney, and consulted extensively in banking and financial services. Most recently, Alan conceived, built and managed a direct mortgage originator for an Australian direct insurer, in association with a well-known Australian banking group.
• Zagga Credit Oversight Committee Member
• Zagga Investment Risk Committee Member
• Zagga Compliance Committee Member
• Zagga Responsible Manager for AFSL and ACL

Anthony Kalaf
Anthony is a financial services professional with extensive experience in funds management, financial and investment markets, private banking, commercial property and licensing and operational requirements for financial service organisations. Following 17 years in financial markets working with local and foreign financial institutions, Anthony completed a Masters of Applied Finance and since then, has worked across many fund management roles covering property, hotels, securities, equities, derivatives, foreign exchange, deposits, mortgages and private equity.
• Zagga Investment Risk Committee Member
• Zagga Compliance Committee Member

Clive Kirkpatrick
Clive is a banking and finance executive with broad experience in both retail and third party mortgage distribution. With over 30 years’ experience in the industry, Clive brings with him a sound understanding of the lending landscape, gained from holding senior roles in banking and financial services both in Australia and offshore.
Prior to joining Zagga, he was General Manager Mortgage Broking at St George Banking Group, having joined in 2011 after heading up the RAMS Franchise business before that.
• Zagga Compliance Committee Member

Edwin Morrison
Edwin is a partner of K3, a legal, accounting and consulting firm, and co-founder of Zagga. He is a property, commercial and finance specialist and is a LLB and B.A graduate from Victoria University.
• Zagga Compliance Committee Member

Frank Hageali
Frank is a Certified Property Practitioner and Funds Manager by the Australian Property Institute, a Certified Practicing Valuer by Australian Values Institute, and is a Fellow of the Australasian Institute of Banking and finance.
With a career in the finance and property industry spanning 25 years, his previous roles include Senior and Management positions in Corporate, Institutional and Property divisions at Australia’s major financial Institutions including Commonwealth Bank, ANZ, St.George Bank as well as HBOSA.
Mr Hageali holds a Bachelor of Economics from Western Sydney University, Masters in Property Investment and Development from Western Sydney University and a Graduate Diploma of Property (Valuation) from Deakin University.
• Zagga Credit Oversight Committee Member
Jim Tate
• Zagga Credit Oversight Committee Member
• Zagga Investment Risk Committee Member

Kevin Berkowitz
Kevin is a highly successful businessman with a proven track record of success. He founded and self-managed his company, which, over a period of twenty years, he grew into a multi-million dollar market leader. That business was acquired at a significant premium by a private equity group, some years after which Kevin exited the business. Kevin is an entrepreneur with investments in several businesses across a broad spectrum of activities. He was one of the founder investors in "Jemstep", a ground-breaking "robo-technology" company that successfully automated investment recommendations in the wealth management field. His significant business acumen, personal skills, and knowledge are of enormous value to Zagga.
• Zagga Investment Risk Committee Chair

Leonie Chapman
Leonie has been working in the banking and finance industry since 2003. In that time, she has provided legal and compliance support, customer complaints management, credit assessment support, credit risk policy audit and acted as responsible manager for Australian Credit Licensees. Leonie has obtained multiple Australian Credit Licences (ACL) and introduced and managed compliance and risk management frameworks for multiple ACL holders.
• Zagga Compliance Committee Member

Marcus Morrison
Marcus is the co-founder, CEO and Director of Zagga in New Zealand as well as the co-founder and Executive Director of Zagga. He is a highly experienced management consultant and business leader who has worked globally for some of the world’s most notable and successful organisations in the area of general management, organisational strategy, sales & marketing and people. He has an enviable track record of driving commercial success across a range of industries – including global banking and finance – and is regarded as a leading commercial strategist. Additionally, he has set up and operated a range of successful businesses in the service, importing, and consulting arenas. He holds B.Sc. (1st Class Hons) and B.A. degrees from Victoria University of Wellington.
• Zagga Credit and Risk Committee Member
• Zagga Compliance Committee Member

Peter Clare
Peter is a financial services industry icon with many years of leadership and executive experience heading up a number of leading financial institutions including Commonwealth Bank, Westpac and St George. Most recently, Peter was CEO of Westpac New Zealand Limited, a division of Westpac Banking Corporation Limited.
Peter is active in the leadership of Australia's fintech scene currently serving as Chairman of Zagga Group and ChimpChange Limited (CCA.AX), as well as holding directorships with Rubik Financial Limited (RFL.AX), Scottish Pacific Group Limited (SCO.AX), Digicash and Capital Market Technologies.
Peter is a member of the Australian Institute of Company Directors and the Governance Institute of Australia, and a fellow of CPA Australia and the Financial Services Institute of Australasia (FINSIA).
• Zagga Compliance Committee Chair
• Zagga Credit and Risk Committee Chair
• Zagga Holdings Chair

Richard Stacey
• Zagga Credit Oversight Committee Member
• Zagga Investment Risk Committee Member

Steven Levy
Steven Levy has been part of the core team since inception and comes with a high level of experience in portfolio management, investor relations and capital markets. As a Chartered Accountant (CA ANZ), He is a key operator of the business and member of both the Investment and Credit Committees.

Tom Cranfield
Tom is an experienced company director, banker and property developer/investor with ten years’ experience in investment for special situations and real property via both private credit and mainstream capital markets. Previous roles include Relationship Credit Manager ANZ Corporate Property Group; Associate Director ANZ Singapore; and Associate Director Secured Lending, with work completed for major Australian banks, fund managers, insolvency firms and private developers. His career commenced with National Australia Bank after completing a Bachelor of Commerce degree.
• Zagga Credit Oversight Committee Member