Directors
Helping to make a difference to the community
Our Directors
The Directors of Pine Rivers Community Finance Ltd share a strong belief that, by building a strong and sustainable business that provides the best service to our customers, their banking can deliver meaningful benefits for the local community.
Malcolm Frizzell
Chairperson
Malcolm Frizzell’s banking career spans 35 years, with the last 15 years working in community banking with community enterprise boards in over 50 Communities across Australia.
Malcolm has strong risk management skills, strong Governance and Corporate Act knowledge encompassing Boardroom activities. He holds a Grad Dip in Business, Grad Cert in Governance and Risk Management from GIA and Grad Cert in Commerce from Securities Institute of Australia. Board member since July 2020.
Kris Panagiotopoulos
Company Secretary/Director
Kris Panagiotopoulos has over 20 years of infrastructure project assessment and investment experience across Government. Kris’ previous experience includes industry development in agriculture and agribusiness. He holds a degree in Agriculture Science and a Masters of Business Administration.
Kris has previously been involved in the Samford Community Kindergarten committee and the Samford Scouts. Currently, he is the Director of Portfolio Management for the Queensland Department of Transport and Main Roads overseeing a diverse agenda of road, busway, rail, cycling and marine projects. Board member since January 2021.
Bill Rayment
Treasurer/Director
Bill Rayment is a Chartered Accountant with almost 40 years of practical financial management and leadership experience. He is currently the Chief Financial Officer of a Brisbane based international steel fabrication and construction business.
Bill gained an accounting degree from the London School of Economics and went on to qualify with Deloitte in London. Joining the Rentokil Initial Group, Bill held a number of senior roles in financial management and internal audit across this business, operating in more than 40 countries.
Bill brings to the board a keen desire to demystify financial information in order to facilitate informed decision making and enable a better understanding of the business.
MaryAnne Morgan
Director
MaryAnne Morgan has been involved in the non-profit sector for more than 30 years. With a background in fundraising, advertising and media, MaryAnne’s extensive experience encompasses oversight, management and implementation of stakeholder engagement, strategic fundraising, marketing/communications and business development.
MaryAnne is passionate about supporting the business and community sectors to work together for mutually beneficial outcomes. Her current role is Editor of Samford’s community newspaper, The Village Pump. Board member since January 2021.
MaryAnne is a graduate of the Australian Centre for Philanthropy & Non Profit Studies, QUT Business School.
Terry Hogan
Director
Terry Hogan has lengthy executive experience in government, higher education and the community sector. He was Chair of the Steering Committee that established the Samford Community Bank Branch of Bendigo Bank and chaired Pine Rivers Community Finance Limited’s Finance and Audit Committee. He has been a member of the Board of Pine Rivers Community Finance since 2009.
His professional career in the public sector included positions as Director General, Chief Executive and other senior roles in Local, State and Federal Government agencies.
He is an Adjunct Professor in the School of Government and International Relations at Griffith University and was Principal Policy Adviser to the Vice-Chancellor.
He was a member of the Sustainability Advisory Panel for the 2018 Commonwealth Games, and is a member of a national advisory panel making recommendations in the field of medical research.
James Gauci
Director
James is the CEO and Founder of Cadent, a responsible AI engineering and
governance consultancy based in the City of Moreton Bay. Cadent helps
organisations in high-stakes and regulated sectors build and adopt high-performance AI systems safely and effectively.
James has 15 years experience in tech, 10 years in AI, and 5 years in executive AI governance and ethics. He has delivered systems for the Australian Government, Queensland Government, Spotify, and Fortune 100 companies.
James holds a Bachelor of Psychological Science, an MBA, and is a sessional academic in technology ethics at the University of the Sunshine Coast.
Luke Howarth
Director
Hon. Luke Howarth served as the Federal Member for Petrie for 12 years. Throughout his parliamentary career, he focused heavily on community service, economic development, and improving housing availability across his local region.
Luke has extensive governance and oversight experience through his roles as Assistant Minister in the Social Services and Employment portfolios, and later as Shadow Assistant Treasurer. Luke also brings substantial small business experience, as Managing Director of a family pest control enterprise which employed 20 staff.
Board member since June 2026.
Lauren Rennick
Board Administrator
Lauren Rennick is a Certified Practicing Accountant with over 13 years experience within the Banking Industry, both in Australia and Overseas. With a background in Finance, Reporting and Project Delivery, Lauren is passionate about using her experience to support the Board members at Pine Rivers Community Finance.
Lauren has previously held roles within Business Services supporting a diverse range of small businesses and also holds a Grad Dip in Applied Corporate Governance from the Chartered Governance Institute.
Lauren is an active member in the community and currently volunteers for Story Dogs at Samford State School.