Our team

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Meet our talented senior leadership team

AA Money’s team is a diverse mix of experience and personalities. We all share a common drive to deliver exceptional experiences and optimal outcomes for our customers, staff and partners alike.


Ana-Marie Lockyer, General Manager

Ana brings over 20 years of broad banking and financial services experience including ten years in the local and global Wealth team at ANZ Bank. There she had a number of strategic and executive roles, including responsibility for New Zealand's largest KiwiSaver scheme. Ana has also held governance roles for ANZ Samoa and the Financial Services Council. Ana is excited about working with her team to deliver a simple, trusted and transparent financial services offering to AA members and other New Zealanders. Outside of work Ana loves travelling and walking on New Zealand’s beautiful beaches with her family and friends.


Craig Howe, Head of Credit and Operations

Craig has extensive operations experience from the motor vehicle financing and leasing industry. Most recently, at Geneva Finance he was a key player implementing processes and policy to see them through the GFC and debenture market collapse. Craig specialises in being able to think laterally and develop market leading strategies to both improve efficiencies and minimise loss. Craig is excited about being part of the founding team to develop culture, processes and policy from a Greenfields position. Outside of work Craig enjoys golf, coaching and developing schoolboy rugby teams and time with the family.


Ryan Nickelchok, Head of Sales, Marketing & CX

Ryan is a passionate and entrepreneurial leader with experience in building products, teams and systems using strong creative and analytical skills. Most recently, Ryan was involved in leading Finance Now through a period of significant and profitable growth. His key strengths are in using data analysis for strategic insights and in prioritizing customer experience implications. Ryan is thrilled to be able to join the AA Money team and to be able to apply his entrepreneurial passion in creating a massively successful venture. In his spare time, he coaches and competes in triathlon and loves anything that involves a boat or the ocean.

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Gary Wilson, Governance, Assurance & Business Support Manager

Gary is a certified risk practitioner with extensive experience in governance, risk and assurance. An engaging and focused leader, he has held senior leadership positions in both public and private sector organisations, providing assurance and strategy for risk management, compliance, and governance reporting analysis. In his spare time, Gary enjoys spending time pushing himself at the gym and running half-marathons to keep healthy and well.


Nicole Mills, Lending Team Leader

Nicole Mills is our Lending guru at AA Money. With over 16 years banking experience, she knows the ins and outs of branch, call centre environments and operations. Joining AA Money is a new adventure for Nicole who has an abundant passion for people and delivering exceptional customer service. Outside of work you can find Nicole bunked down with a good book or spending time with her family and friends.


Jasleen Kaur, Credit Risk Team Leader

Jasleen possesses over 16 years of credit risk & collections experience in the finance and banking industry. She is a people person who is passionate about providing exceptional customer service backed by responsible lending principles. Jasleen is excited to be a part a fun-loving, agile team at a company whose values align with her own. When not in the office she loves spending time trying new recipes and doing the Bhangra (a Punjabi folk dance).

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