Our Mosaic Private Team
We shaped Mosaic Private with multi-disciplinary skillsets, an innovative culture, and an artisan approach to private credit funds. We combine finance broking, business, banking, finance, legal, and private credit expertise with a strategic, creative, and collaborative mindset. We see the big picture and have the skills to create it.
Board
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Justin Arter
Non-Executive Chairman
LinkedInJustin brings over 35 years of experience across funds management, superannuation, and investment banking. He retired as CEO of Cbus in 2023 and currently serves as Chair of Pacific Current Limited and Mosaic Private, and as a Director of Myer Family Investments, Cannatrek Limited, and Cooper Investors.
He previously held senior leadership roles at BlackRock, including Country Head for Australia and Head of the Institutional Client Business for the UK, Middle East, and Africa. Justin was also CEO of the Victorian Funds Management Corporation and spent 19 years with Goldman Sachs and JBWere.
He holds Law and Commerce degrees from the University of Melbourne and completed the Advanced Management Program at Wharton (University of Pennsylvania).Justin has previously held senior roles with BlackRock including country head for Australia and Head of the Institutional Client Business for the UK, Middle East and Africa. Prior to that he was the CEO of Victorian Funds Management Corporation. Justin also spent 19 years in a range of senior positions at Goldman Sachs and JBWere . He has also consulted for a major listed Australian bank.
Justin is a graduate of the University of Melbourne with degrees in Law and Commerce, and attended the Advanced Management Program at the Wharton School at The University of Pennsylvania in 2005. -
Monique Andrew
Non-Executive Director
LinkedInMonique Andrew is a seasoned executive and strategic adviser with over 15 years’ experience across investment, strategy, and law in Australia, the UK, and the US. She is currently Chief Strategy Officer at Harris Capital, where she plays a key role in shaping the firm’s growth agenda.
Monique is also Executive Director of the Transition Accelerator – a capital mobilisation platform for climate-aligned projects – and serves as a Senior Adviser to E&P Financial Group. Her governance experience includes a board role at RMIT Activator, the university’s entrepreneurship and innovation hub.
She holds a Bachelor of Laws and Commerce from the University of Melbourne, and an MBA from the University of Cambridge.
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David Cowen BCom (Eco)
Chief Executive Officer (Co-Founder)
LinkedInDavid founded a finance broking company at 22 years old while completing an Economics degree at Monash University, growing the business from one client to thousands.
Over those 15 years, he originated, funded, and managed ~$2.5 billion of residential, commercial, business, and private credit transactions and developed deep relationships with trusted bank and non-bank funding partners.
After managing the Harris family’s private credit investments since 2018, they formalised the partnership and co-founded Mosaic Private. As Chief Executive Officer, David is responsible for funds management, capital raising, investment execution and business strategy.
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Brad Harris
Co-Founder
Brad has extensive fund management and investment experience. He sits on four Investment Committees that each manage nine-figure investment portfolios. He is the founder of two fund management businesses and has overseen the implementation of multiple fund structures, deal structures, investment, compliance, and governance initiatives.
He is CEO and Chairman of Harris Capital, a leading Australian family office with extensive asset and investment management experience and a $25m cornerstone investment in the Mosaic Capital Fund.
Brad sits on four charitable boards, including The Epworth Medical Foundation, Hawthorn Football Club Foundation and Harris Family Foundation.
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Geoff Harris
Board Advisor
Geoff is a co-founder of Flight Centre, one of the world’s largest travel businesses with operations in 25 countries.
He is an experienced private equity and private credit investor, including being the first investor in Boost Juice, assisting its growth from 4 stores to over 200 stores.
He has extensive philanthropic interests in developing affordable housing and supporting disadvantaged youth, including social enterprises STREAT and Reach foundations.
Executive Team
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David Cowen BCom (Eco)
Chief Executive Officer (Co-Founder)
LinkedInDavid founded a finance broking company at 22 years old while completing an Economics degree at Monash University, growing the business from one client to thousands.
Over those 15 years, he originated, funded, and managed ~$2.5 billion of residential, commercial, business, and private credit transactions and developed deep relationships with trusted bank and non-bank funding partners.
After managing the Harris family’s private credit investments since 2018, they formalised the partnership and co-founded Mosaic Private. As Chief Executive Officer, David is responsible for funds management, capital raising, investment execution and business strategy.
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Parrish Davis
Chief Operating Officer
LinkedInParrish is a financial services executive with over 20 years’ experience leading operational functions across public and private markets.
She has held senior roles and directorships at Evans and Partners (E&P Financial Group) and Evans Family Office, where she established and scaled governance, risk, compliance, and operational frameworks across financial services, digital, property and leisure developments.
Parrish brings expertise in wholesale and retail investment operations and has served on Investment, Compliance, and Audit & Risk Committees. She holds a Bachelor of Business from Monash University and joins Mosaic Private with a proven track record leading business transformation, and fostering high-performing, values-led organisations.
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Brad Harris
Co-Founder
Brad has extensive fund management and investment experience. He sits on four Investment Committees that each manage nine-figure investment portfolios. He is the founder of two fund management businesses and has overseen the implementation of multiple fund structures, deal structures, investment, compliance, and governance initiatives.
He is CEO and Chairman of Harris Capital, a leading Australian family office with extensive asset and investment management experience and a $25m cornerstone investment in the Mosaic Capital Fund.
Brad sits on four charitable boards, including The Epworth Medical Foundation, Hawthorn Football Club Foundation and Harris Family Foundation.
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Pauline Madden
Chief People Officer
LinkedInPauline’s career in human resources has spanned many years, encompassing the public and private sectors, large corporates, SMEs and startups, and consulting for more than a decade.
She was an inaugural Officeworks team member, participating in the pre-opening and launch. Over five years, she worked in-store operational and head office human resource roles.
Beyond her professional pursuits, Pauline is committed to supporting families navigating the challenging journey of coping with the loss of a child or sibling as a volunteer with The Compassionate Friends.
Pauline oversees recruitment as well as people and culture for Mosaic Private.
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Tina Halls
Financial Controller
LinkedInTina is an experienced finance leader with 17 years of experience in financial reporting, fund accounting, governance and audit. Prior to joining Mosaic Private as Financial Controller, Tina spent 11 years at Vanguard Investments Australia, leading finance teams across both funds and the trustee. During this time, she was a key driver of growth through major system implementations, regulatory transitions and audits. Tina also held senior finance roles at Lifestyle Communities and UniSuper.
Tina holds a Bachelor of Arts and Business (Accounting) from Monash University and a full member of Chartered Accountants Australia & New Zealand.
Investment Committee
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Tony Woods
Chairman & Strategic Risk Advisor
LinkedInTony has over three decades of experience in senior executive banking roles.
Prior roles include Group General Manager Oversight (Global) and Group General Manager – Corporate and Specialised Banking Risk at NAB, holding a personal credit sign off of $400m and a Group Credit Committee member, decisioning the bank’s largest deals globally.
He was also Head of Commercial, Business and Private Banking Credit at ANZ. He led compliance, risk/oversight, and legal and credit decisioning functions in these roles.
In his latest role, he was Chief Risk officer at one of Australia’s largest private credit funds, MaxCap.
Tony also Chairs the Mosaic Private Audit, Risk and Compliance Committee
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David Cowen BCom (Eco)
Chief Executive Officer (Co-Founder)
LinkedInDavid founded a finance broking company at 22 years old while completing an Economics degree at Monash University, growing the business from one client to thousands.
Over those 15 years, he originated, funded, and managed ~$2.5 billion of residential, commercial, business, and private credit transactions and developed deep relationships with trusted bank and non-bank funding partners.
After managing the Harris family’s private credit investments since 2018, they formalised the partnership and co-founded Mosaic Private. As Chief Executive Officer, David is responsible for funds management, capital raising, investment execution and business strategy.
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Brad Harris
Co-Founder
Brad has extensive fund management and investment experience. He sits on four Investment Committees that each manage nine-figure investment portfolios. He is the founder of two fund management businesses and has overseen the implementation of multiple fund structures, deal structures, investment, compliance, and governance initiatives.
He is CEO and Chairman of Harris Capital, a leading Australian family office with extensive asset and investment management experience and a $25m cornerstone investment in the Mosaic Capital Fund.
Brad sits on four charitable boards, including The Epworth Medical Foundation, Hawthorn Football Club Foundation and Harris Family Foundation.
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Craig Ferguson
IC Macroeconomic Advisor
LinkedInCraig has over 30 years of experience in economic research, forecasting and commentary.
After working at JP Morgan and ANZ Investment Bank, he started Antipodean Capital in 2006, which has become a world-class domestic and global focussed economic research and forecasting firm.
In 2022, Craig joined Mosaic Private as our Macroeconomic Advisor, attending the Investment Committee and providing daily macroeconomic updates to the team.
Audit Risk & Compliance Committee
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Tony Woods
Chairman IC & ARCC
LinkedInTony has over three decades of experience in senior executive banking roles.
Prior roles include Group General Manager Oversight (Global) and Group General Manager – Corporate and Specialised Banking Risk at NAB, holding a personal credit sign off of $400m and a Group Credit Committee member, decisioning the bank’s largest deals globally.
He was also Head of Commercial, Business and Private Banking Credit at ANZ. He led compliance, risk/oversight, and legal and credit decisioning functions in these roles.
In his latest role, he was Chief Risk officer at one of Australia’s largest private credit funds, MaxCap.
Tony also Chairs the Mosaic Private Audit, Risk and Compliance Committee
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Parrish Davis
Chief Operating Officer
LinkedInParrish is a financial services executive with over 20 years’ experience leading operational functions across public and private markets.
She has held senior roles and directorships at Evans and Partners (E&P Financial Group) and Evans Family Office, where she established and scaled governance, risk, compliance, and operational frameworks across financial services, digital, property and leisure developments.
Parrish brings expertise in wholesale and retail investment operations and has served on Investment, Compliance, and Audit & Risk Committees. She holds a Bachelor of Business from Monash University and joins Mosaic Private with a proven track record leading business transformation, and fostering high-performing, values-led organisations.
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Kristina Low
ARCC member
LinkedInKristina is a Certified Financial Planner with more than 15 years of experience in financial services. Her past roles include being a licensed financial adviser specialising in technical and complex structures, and then at Deloitte where she built their Melbourne’s specialist governance, regulatory and conduct team and worked with some of the country’s largest banks, Australian Financial Services Licenses (AFSLs), insurers and acted as liaison to industry regulators.
Currently Kristina works with QuarterFive Family Wealth where she is responsible for the firm’s AFSL framework and advisory practices; with BlueRock Private Wealth to oversee their three lines of defence and risk framework; and sits on the Risk and Compliance Committee for a number of AFSLs and family offices.
Investment Team
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Joe Tobin
Associate Director – Origination
LinkedInJoe is an Associate Director with six years’ experience in commercial property advisory and transaction execution.
Prior to joining Mosaic Private, Joe worked at Stamford Capital, where he structured finance solutions for a diverse client base, from individual investors to large-scale developers.
He has built a broad network across financial services and the commercial property sector, underpinned by a practical understanding of market dynamics, client needs and is recognised for his ability to deliver clear and actionable advice.
Joe is a Committee member of Old Xaverians Football Club.
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Ash Carey
Senior Associate
LinkedInAsh joined as an Analyst two years ago and has progressed to Senior Associate.
Before joining Mosaic Private, Ash worked as a Fund and Management Accountant at HedgeServ and Vicinity Centres, cultivating his property expertise and modelling proficiency. Since joining Mosaic Private, Ash has built upon his skillset, developing significant credit expertise and demonstrating ingenuity in crafting funding solutions.
Ash holds a Bachelor of Accounting and Information Systems (Professional) from Swinburne University and is completing his final CPA examination.
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Matthew Mallison
Senior Associate
LinkedInMatt is a private credit professional with nine years of experience in debt advisory, origination and project analysis.
Before joining Mosaic Private as Senior Associate, Matt worked for seven years at a commercial broking firm, focusing on the analysis and execution of a wide range of investment and development transactions. His last two years at Pallas Capital focused on procuring new lending opportunities and helping deliver risk-adjusted returns for their investors.
Matt holds a Bachelor’s Degree in Commerce (Finance & Economics) from Deakin University.
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Emily Woods
Investor Relations and Communications Manager
LinkedInEmily is a marketing and customer experience expert with over ten years of marketing and brand experience across numerous multinational corporations and other disruptive industries.
Emily holds a double degree in Commerce and Psychology, which brings a unique blend of analytical expertise and human-centred insight to her work.
Drawing on her extensive expertise in bespoke communications, digital efficiencies, and exclusive events, she is focused on deepening relationships with our investor network, wealth advisors, and trusted partners, cultivating a unique Mosaic Private experience.
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Brenda Badza
Fund Operations Manager
LinkedInBrenda is a seasoned professional in fund operations, compliance, and risk management, boasting over 15 years of experience in the Finance industry.
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Viren Sood
Senior Analyst
LinkedInViren is a Senior Analyst at Mosaic Private with experience across real estate credit, investment analysis, and property economics.
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Harrison Overall
Analyst
LinkedInHarry is an Analyst at Mosaic Private, where he assists the team with transaction risk analysis and portfolio management.
Before joining Mosaic Private, Harry worked at a boutique property developer specialising in luxury residential projects, where he supported project management, asset pricing, and market research.
He holds a Bachelor of Commerce in Economics and Marketing from the University of Melbourne.
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Lucy Herbet
Executive Assistant
Lucy is the Executive Assistant at Mosaic Private and has been with the fund since its origination six years ago. With over a decade of experience in the finance industry, she brings knowledge in operations, compliance, organisation, and executive support.
Prior to joining Mosaic Private, Lucy worked alongside David Cowen as a mortgage broker and held key operational roles at Finstra. She holds a Certificate IV in Financial Services.