Our People

Martin Saunders

Martin is an expert in mortgage securitisation and is the Chief Executive Officer of IMCO. Prior to that he was the Head of Commercial and Non Conforming Funding at Challenger Financial Services. Martin joined Challenger after he sold it a specialist mortgage lending business he founded in 2001. Over the next five years Challenger grew to be Australia’s largest non-bank lender (with a book of $24 billion) and Australia’s third most active securitiser of mortgage flows. After the sale of Challenger’s origination business (and $6 billion of its mortgage portfolios), Martin was retained to manage the residual book. Whilst retaining oversight of Challenger’s mortgage portfolios, Martin began to focus on structuring innovative and bespoke funding solutions for non-bank clients, including: senior and mezzanine portfolio acquisition funding, warehouse funding and revolving credit lines, 144A issues, private placements, bilateral securitisations, whole of loan sales and forward flow agreements.

Scott Tyne

Scott is the inventor of the Index Mortgage. He holds an Honours degree in Law and is strongly mathematical, having worked in the debt capital markets before specialising in tax-structured finance at the law firm Mallesons Stephen Jaques.   After two years as a lawyer, Scott co-founded a boutique financial services firm and started businesses in Sydney and London.  Those enterprises were highly successful, concluding more than USD $3 billion of tax-structured asset (State of Western Australia) and capital market (Abbey National, ABN Amro, Merrill Lynch and Royal Bank of Scotland) transactions.  Whilst living in London, Scott developed the concepts underlying Index Mortgage.  Scott is IMCO’s subject matter expert and is responsible for product development and hedging.

Sally Arthur

Sally is IMCO’s Chief Operating Officer. She has a wealth of experience in operations, retail banking, lending, card management, payments, banking technology, call centres and project management. Immediately prior to joining IMCO Sally was the General Manager, Operations, Change and Risk Management at Perpetual Trustees Limited and headed Perpetual’s Document Custody and Cash Management functions . Sally joined Perpetual in 2007 and has led the Loan Servicing and Lenders Mortgage Services business units. In 2015 she led the project to upgrade ABSPerpetual.com to meet the RBA’s repo-eligibility reporting requirements. Prior to joining Perpetual, Sally worked in banking for over 20 years at St. George Bank and Adelaide Bank. Previous operational roles included responsibility for retail banking servicing and operations, payments and card services.

Matthew Saunders

Matt holds a Bachelor of Business (Accounting/Finance double major), is a member of Chartered Accountants Australia and New Zealand and the Chartered Institute of Management Accountants. Immediately prior to joining IMCO, Matt was employed for 12 years at Perpetual Limited, including as Head of Business Implementation within the Perpetual Digital business, as a Senior Manager in the Data Services and Standby Servicing business, together with roles in Perpetual’s Reporting and Compliance division. Matt worked with Sally on the Perpetual’s RBA Reporting service and was involved in the development and delivery of the Perpetual Intelligence product suite, digitising the trust management function and providing reporting and analytics solutions to the Australian securitisation market Matt is the Technical Expert within IMCO’s Index Mortgage distribution team.

Cathy Lyall

A 30+ year career in capital markets as a derivatives trader, exchange executive, board member and market infrastructure specialist has seen Cathryn hold MD and C-Suite positions at Colonial State Bank, Chicago Board of Trade, CME Group, Nasdaq NLX and London Stock Exchange Curve Global, as well as serving as a non-executive director of Deutsche Bank UK.  She has been listed in Australian Business Top 30 under 30 (1999), Qantas Australian of the Year UK (2010), Cranfield FTSE Index 100 Women to Watch (2012), Financial News 100 Most Influential Women (2012 & 2013), Brummell Most Influential Women in the City (UK) (2017) and Innovate Finance’s Top 100 Women in Fintech and Top 30 Angel Investors (2018).  Known for her deep industry knowledge, positive energy and extensive network, Cathryn is responsible for expanding and maintaining IMCO’s institutional relationships.

Chris Freeman

Chris has over 40 years as an executive in financial services firms, both locally and in Asia. He is a member of the Australian Institute of Company Directors and the Australia and New Zealand Institute of Chartered Accountants and is currently a Senior Strategic Advisor to the BT Financial Group, Chairman of the Advisory Board to Barrons Magazines, Chairman of the Advisory Board to Franklin Templeton Australia and Chairman of Generation Life. Over the past three decades Chris has held several executive roles at Bankers Trust and BT Financial, including General Manager Adviser Distribution, Head of Equities, Head of Distribution and Head of BT Wealth and Wrap Solutions. In these roles Chris was responsible for building and managing large teams tasked with marketing financial products.