Our people
Paul Clitheroe AM - Chair
Paul is an experienced media commentator and Chairman of Money magazine. He is also Chairman of InvestSMART and Ensemble Theatre Foundation.
Paul is Chair, Financial Literacy and Professor, Faculty of Business & Economics at Macquarie University. He was Chairman of the Australian Government Financial Literacy Board and Financial Literacy Australia from 2004 to 2019.
Paul was appointed a Member of the Order of Australia (AM) in the 2008 Queen’s Birthday Honours for service to the financial sector through the promotion of financial literacy, and to the community.
Dana Beiglari - Director
Dana is a Senior Solicitor in the Consumer Law practice group at Legal Aid NSW. Her team of 10 solicitors assists some of the most vulnerable people in NSW to access their consumer protection rights in credit and insurance matters. She is a passionate advocate for social justice and financial inclusion.
Dana has provided a consumer advocate perspective in a number of public inquiries, including the Financial Services Royal Commission and the Senate Inquiry into Resolution of Disputes with Financial Service Providers within the Justice System.
Dana is a non-executive director of the Telecommunications Industry Ombudsman, a Panel Member for the Australian Financial Complaints Authority, and a Member of ASIC’s Consumer Consultative Panel. Dana started her career as a lawyer at the commercial law firm, Allens and has worked at community legal centres.
James Kirby - Director
With a career spanning decades of expertise in business, economics, and investment journalism, James is currently the Wealth Editor at The Australian and host of the popular twice-weekly ‘Money Puzzle’ podcast. He is a former managing editor and co-founder of Business Spectator and Eureka Report and has previously worked at the Australian Financial Review and the South China Morning Post.
In addition to his career in journalism, James has previously been actively involved in governance and advocacy, serving on the boards of the Walkley Awards, the SVA Leadership Council (Vic), and First Nations Foundation. He is also the author of several business biographies.
Elaine Henry OAM - Director
Elaine has been a leader in the non-profit sector for over 25 years; formerly as the Executive Director of the Cancer Council (NSW) (1985-1997) and as Chief Executive of The Smith Family (1998-2010).
Elaine has served on a wealth of boards at the state, national and international levels. She chaired the National Breast Cancer Foundation, retiring in March 2020 and the Australian Research Alliance for Children and Youth, retiring in Nov 2019.
She is Fellow at the University of Technology Sydney, and on the Advisory Council at the Centre for Social Impact at the University of NSW. Elaine was a founding member of Social Ventures Australia, inaugural chair of Nonprofit Australia Ltd, director of the Australian Social Innovation Exchange and deputy chair of the Community Council for Australia.
Her many government appointments included chairing the Australian Government’s Stronger Families and Communities Partnership, being a member of the Prime Minister’s Community Business Partnership and of the Australian Statistics Advisory Council.
Elaine was a member of the Consumer and Financial Literacy Taskforce, the Financial Literacy Foundation, Financial Literacy Australia and the Australian Government Financial Literacy Board.
Elaine was awarded a Medal in the Order of Australia for her work in cancer control in 1994, an honorary Doctorate of Letters from UNSW in 2006 and a Lifetime Achievement Award from Research Australia in 2008. She holds a Bachelor of Science with first class honours. She was selected as one of 50 Australian women to be profiled in the 2000 Businesswomen’s Hall of Fame and recognised as one of the Australian Financial Review’s BOSS True Leaders in 2001, 2004, 2007 and 2010. She is a member of Chief Executive Women.
Effie Zahos - Director
Effie is one of Australia’s leading personal finance commentators with more than two decades of experience helping Australians make the most of their money. She is a regular money expert on Channel 9s Today show and on radio stations across Australia.
Effie is the 9News Money Editor at the 9Network where she works across 9News, A Current Affair, Today, and Today Extra; and an independent director of InvestSMART.
Effie was previously InvestSMART’s Chief Content Officer and was Editor-at-Large of Canstar for four years. She was also the editor of Money magazine until 2019, having helped establish it in 1999.
Effie is the author of A Real Girl’s Guide to Money, Ditch the Debt and Get Rich, and children’s financial literacy book, The Great $20 Adventure.
She has a degree in Economics from the University of Queensland.
Delia Rickard - Director
Delia has over thirty years’ experience working on behalf of consumers and brings deep consumer policy expertise and sector leadership to the Ecstra Foundation Board. Delia was Deputy Chair of the Australian Competition and Consumer Commission (ACCC) from June 2012 until finishing with the Commission in January 2023. Her work at the ACCC spanned the consumer data right, digital platforms, energy, enforcement and compliance, product safety, ACCC’s Financial Services Competition Board, and chairing the ACCC’s market study into the cost of insurance in Northern Australia. Delia has also held senior roles at the Australian Securities and Investments Commission (ASIC).
Delia is currently a director of the Australian Financial Complaints Authority (AFCA), a director of Financial Counselling Australia (FCA), a trustee of the Jan Pentland Foundation, a director of Super Consumers Australia, a director of The Australian Communications Consumer Action Network, a director of ID CARE, a director of the Compensation Scheme of Last Resort (CSLR), a director of the Consumer Policy Research Centre, and chairs AHPRA’s Cosmetic Surgery Oversight Group.
Delia holds a Bachelor of Arts/Law from the University of NSW.
Caroline Stewart - CEO
Caroline is a philanthropic leader with over 25 years of corporate, legal, financial services, governance and not-for-profit experience.
Caroline is the inaugural CEO of Ecstra. Prior to joining she led the UBS Australia Foundation, a corporate private ancillary foundation. She has worked with multiple stakeholders across the community, financial services, corporate, government and charity sectors and was a banking and finance lawyer. Caroline brings to Ecstra her professional skills, experience, networks and a strong belief that genuine collaboration is required to address the widening financial literacy gap and many structural barriers to financial wellbeing in Australia.
Caroline is a board member of WAGEC (Women and Girls Emergency Centre, Redfern) and The Achieve Foundation. Previously she was a board member of Philanthropy Australia, and chair of the Finance, Audit & Risk Committee, and Deputy Chair of Lenity Australia, a PAF focused on vulnerable women and children in Australia and the Asia Pacific. She is a member of the ACNC Sector Forum and works on a pro bono basis with community organisations. Caroline holds a BA (Syd Uni), is admitted as a Solicitor in NSW and ACT and is a graduate of the AICD.
Stephanie Hui – Head of Policy and Engagement
Stephanie is a versatile strategic leader with over 15 years’ policy, communications, governance and legal experience. Prior to Ecstra, Stephanie held senior roles within the NSW public sector delivering policy, law reform and strategic communication initiatives across the consumer protection, real estate and property and statutory compensation scheme portfolios. She also managed the company secretariat function to the State Insurance Regulatory Authority statutory Board.
Stephanie is passionate about empowering people and facilitating positive change through policy development and awareness raising. She started her career as a lawyer at commercial law firm Freehills and has also worked in the corporate and not-for-profit sectors. Stephanie holds a B. Laws (Hons I) and B. Commerce (Syd Uni).
Jeremy Motbey - Grants and Impact Manager
Jeremy is a partnerships expert with over 20 years of corporate and not-for-profit experience. Prior to joining the team at Ecstra, Jeremy was Corporate Partnerships Coordinator at Oxfam Australia where he stewarded private sector engagements encompassing fundraising, cause-related marketing, and social venture incubation.
He is passionate about measuring social impact and addressing inequality through responsible business, ethical consumerism, and social entrepreneurship.
Jeremy is actively engaged in several voluntary roles including Chairing the Grants sub-committee of Impact100 Sydney.
He holds a BA (Macquarie Uni) and a Graduate Certificate in Social Impact (UNSW).
Jo Morgan – Head of Marketing & Communications
Jo is a senior marketing and finance industry leader with over 20 years’ experience in the financial sector. She has held a number of senior leadership roles across blue-chip, National and boutique asset managers and financial advice businesses within the Australian financial services industry. Her experience includes business and marketing strategy & planning, media liaison, campaign development and execution, digital and marketing analytics.
Jo holds a B. Business (Marketing), a Masters of Applied Finance and Investments (MAppF), is a Graduate of the Australian Institute of Company Directors (GAICD) and a Fellow of FINSIA, the Financial Services Institute of Australasia. Jo is also a non-Executive Director of Pony Club Australia.
She is an advocate for financial literacy and education and passionate about having a positive impact on the well-being of Australians.
Dr Tracey West - Financial Education Manager
Dr Tracey West is a financial literacy and financial education expert with over 11 years’ experience investigating consumer knowledge and behaviours. Tracey joins Ecstra from Griffith University, where she was a lecturer in behavioural finance in the Griffith Business School. In this role she managed many funded projects, established the behavioural science major, developed finance curriculum and was involved in student competitions and committees.
Tracey’s PhD was on household financial decision-making and she has published widely on household wealth, financial literacy, financial socialisation and financial planning issues. Through her research, Tracey highlights the challenges many people experience when making financial decisions. Her work focuses on inclusion issues of vulnerable groups such as older people, young people and women.
Tracey is a strong advocate of accessible financial education and for informed policymaking. As an established expert, she is regularly invited to comment on financial literacy matters on panels, podcasts, radio and print media, including The Conversation.
Tracey holds a PhD (Finance), a GradDip Secondary Education and BCommerce (Griffith University).