Who are we

Our core values

Futureproof was founded by insurance industry veterans backed up by an experienced team of banking, technology, product development, finance, legal and business transformation executives.

The Executive Team is fully supported by an Advisory Board of Australia's leading technical specialists, product experts, quantitative analysts and actuaries.

At Futureproof, every one of us is driven not only by a passion for innovation, but also a desire to make a real difference.

"Our core mission is simply to improve people's lives in retirement.

This requires Futureproof to develop ethical financial products to better meet the needs of Retirees, most of whom are asset-rich and cash-poor."

Ian Innes - Co-Founder, Futureproof

"The principal objective of Futureproof is the development of low-risk,  fiscally responsible mortgages & financial products for retirement funding.

We aim to dispatch traditional equity release products, notably reverse mortgages, to the rubbish bin of bad ideas...forever!"

John Innes - Co-Founder, Futureproof

An expert team

Founders & innovators

Ian Innes Chev.LH, MM, FAIM, AAII

Ian Innes has 45 years experience in insurance broking, risk underwriting, risk management, risk consulting & as Lloyd's Broker Representative in Australia.

[Sadly, Ian recently passed away but his Official Acknowledgements as a highly-decorated WWII veteran of Bomber Command and his Life Story remain a valuable insight to the corporate culture and business values of Futureproof.]

John Innes LL.B, B.Comm (Accounting, Corporate Finance & IT)

John Innes has 30 years experience as a corporate lawyer, financial regulator, senior executive roles in enterprise software and as C-level executive in insurance & disruptive innovation in Australia, United Kingdom, USA, Hong Kong and China.

Directors

James Huey - Chairman

Ted Tzovaras - Special Counsel

John Innes -Australia

Gregg Eichhorn - United Kingdom

Leone Ming -Hong Kong

Executive team

John Innes -CEO

Gregg Eichhorn - Innovation

Denis Tebbutt -Operations

Dave Matthews - Technology

Richard Briggs - Partners

Wesley Chow - Finance

Ted Tsovaras - Legal

Advisory team

The Advisory Team comprises industry experts from financial services, retail banking & insurance and Australia's leading technical specialists in financial risk, insurance risk, actuarial, quantitative analysis, investment modelling, structured products and product management.

The Advisory Team plays a key role in design, validation and alpha testing of Futureproof products.

ACTUARIAL & FINANCIAL RISK - PROFESSOR PAVEL SHEVCHENKO

Pavel is a senior actuary specialising in financial risk and applied finance.

Previously appointed as Principal Research Scientist in Mathematics and Informatics at CSIRO, he is currently a Professor of Actuarial Studies and Business Analytics at Macquarie University and Director of the Centre for Financial Risk.

Pavel is a respected author on financial & operational risk and a Member of the Retirement Incomes Working Group of the Institute of Actuaries Australia.

ACTUARIAL & INSURANCE RISK - JOHN DE RAVIN

John is a senior actuary specialising in risk, insurance and reinsurance.

Previously he was appointed a director of SwissRe and portfolio actuary for CommInsure, MunichRe & MLC Life and responsible for the preparation of Australian life tables at the Office of the Australian Government Actuary.

John is a respected author on financial planning and is currently a Member of the Retirement Incomes Working Group of the Institute of Actuaries Australia.

MATHEMATICS & AI - PROFESSOR SIMEON SIMOFF

Dr Simoff is an Applied Mathematician and a specialist in data analytics, cognitive algorithms, machine learning and artificial intelligence.

He was previously Dean of the School of IT at University of Technology, Sydney and is currently Dean of the School of Computing & Mathematics at Western Sydney University.

Simeon is widely published and a Member of the AI Technical Committee of the Australian Computer Society.

DATA ANALYTICS & ALGORITHMS - Dr JOHN GALLOWAY, AM

Dr Galloway is a data scientist specialising in causal & predictive analytics. He was awarded Member of the Order of Australia for his pioneering work in data analytics.

John founded Netmap, after developing breakthrough disrupting technology for data relationship mapping that was adopted by law enforcement & intelligence agencies in Australia, USA and UK.

John co-founded the Complex Systems Research Centre and is currently Adjunct Professor at Western Sydney University.

QUANTITATIVE ANALYSIS & MODELLING - DR ANTHONY DE FRANCESCO

Dr De Francesco is a senior econometrist specialising in investment risk, portfolio consturction and asset allocation.

Following roles at Commsec, he was appointed Head of Research at Colonial First State Global Asset Management.

Anthony now advises superannuation funds, insurers, banks and asset managers on their asset portfolios & investment risks.

STRUCTURE PRODUCTS & CAPITAL MARKETS - STEPHEN RICHARDS

Stephen is a specialist in structured financial products and their supporting asset & funding models.

Previously responsible for structured products & derivatives at Westpac Bank, Stephen currently advises financial institutions and superannuation funds.

PRODUCT MANAGEMENT - KEITH FORSTER

Keith is a statistician and specialist in technical analysis of new products and product management.

Previously Head of Technical Research at AIG Insurance and later Head of Product, Keith developed the digital brand and retail products for Australia largest insurer.

Keith is currently responsible for development of direct insurance products and product compliance at Allianz, a key senior governance role following the Royal Commission into Misconduct in Banking, Insurance & Financial Services.

COMPLIANCE & GOVERNANCE - JOHN BALLHAUSEN

John is a Fellow of the Financial Services Institute of Australasia and a financial governance, risk & complianc specialist acting as a Responsible Manager of investment funds.

Formerly the Chief Investment Officer for Australia's then largest insurer, C E Heath Casualty & General Insurance with $3B in FUM, Currently founder of property funds group Rimcorp, John is also a non-executive director 360 Capital Group and Quay Fund Services.

MORTGAGE FUNDING & RMBS SECURITIZATION - ALFRED WONG

Alfred is a specialist in wholesale mortgage funding and securities markets.

Formerly Head of Mortgage Capital at AMP, he was responsible for the PUMA Mortgage Program that successfully pioneered Australia’s earliest RBMS securitizations.

Alfred is currently an Executive Director of AusFunds Management.

RETAIL BANKING & RMBS SECURITIZATION - JAMES HUEY

James has over 30 years experience in retail banking & mortgage bond issues & RMBS securitization.

Formerly General Manager (Retail & Commercial Banking) at Westpac Bank and Director of Resimac, Paymate & ePay Asia.

James has served on the Australia-China Business Council and currently Managing Principal (China) of global advisory group, Eaton Square.

INVESTMENT BANKING- JOHN PERRY

John has over 24 years experience in M&A, private equity & financing.

Formerly, Managing Director at both Macquarie and CIMB, he established and was CEO of Retirement Villages Group (Macquarie joint venture), the largest in Australia/New Zealand.

John currently runs Conquest Capital, an advisory group specialising in healthcare & consumer and is a qualified Chartered Accountant.

DIGITAL INSURANCE & REGULATORY AFFAIRS - STEPHEN HARRISON

Stephen has over 30 years of experience in financial services, funds management, private equity and accounting.

He has held Director positions with Investec Funds Management, fund manager Sanford C Bernstein & ASX-listed companies.

Formerly, Director Financial Services for BDO Nelson Parkhill (Chartered Accountants), Stephen is currently Chairman of digital life insurer, NobleOak Life Limited

DIGITAL BANKING & REGULATORY AFFAIRS - EDWARD QIU

Edward has over 12 years experience as a finance specialist in Australia and Asia.

Previously a financial regulator with the Australian Prudential Regulatory Authority, Edward is Co-Founder & Director of neo-bank digital challenger Mint, currently under review by APRA for approval of its restricted banking licence as a Restricted Australian Deposit-taking Institution (RADI).

FINANCIAL PLANNING & EQUITY RELEASE - SCOTT PHILLIPS

Scott is a senior financial planner expert in retirement funding, including equity release and home reversion.

Formerly WA Manager of State Super Financial services (StatePlus), Scott is currently CEO of Smooth Retirement, which is re-defining financial planning through its focus on ethical retirement funding products and pioneering new robo-advice technology.

Contact us for more information about Futureproof