Heather Keates: CMA’s founder and Chief Executive Officer.

Heather has spent 20 years working in the field of debt advice. As well as running CMA she continues to volunteer at her local CMA centre. She lives in rural Shropshire with her family and happily spends her free time sewing, knitting, strimming down brambles and cheering on her beloved Brighton and Hove Albion football team.

Meet the CMA Team: Heather Keates

Heather Keates

John Franks: Chief Operating Officer.

John had a career as a retail director and project manager before joining CMA in 2007. He is responsible for CMA services, projects and planning, along with the management of the CMA staff team. He became a Christian at the age of nineteen and is now a member of the Third Order of the Society of St. Francis. When not working for CMA, John enjoys creative pursuits. He is a published author, musician and actor, and holds a degree in Fine Art sculpture. Married with one (grown) son, John and his wife endeavour to be good stewards of a smallholding in West Wales along with their dog, cat, chickens and horses.

Meet the CMA Team: John Franks

John Franks

Rory Sanders: Training Manager.

Rory has been involved in debt advice since 2004 and has opened 3 debt advice centres. He currently runs a debt centre in his home town of Congleton. Rory has been a foster carer for 14 years and currently has two long term placements at home which, together with 4 children and 4 grandchildren makes for a busy household! He is a trustee at his local church. Sorbet making has recently featured prominently in his life with kiwi, pineapple, apple and mango being the favoured flavours! When he has time he enjoys going away with the family in the caravan.

Meet the CMA Team: Rory Sanders

Rory Sanders

Kate Downward: Head Office Administration Manager.

Kate joined the CMA team in 2014 and manages administration including affiliations, centre membership renewals, treasury, website, conference and data management work from our Head Office in Shrewsbury. She has a wide range of administrative and financial experience from her work as an external auditor with the Audit Commission.

She is also a debt adviser at her local debt advice centre in Shrewsbury. Kate is married with two primary aged children and enjoys overseeing the youth work at her local church, and playing bass guitar.

Meet the CMA Team: Kate Downward

Kate Downward

Mark Johansson: Operations Team Manager.

Mark was appointed as the OSM for the North East Region in February 2019 before taking up his current role in July 2021. He has worked as a volunteer debt adviser for CMA since 2017, and is now also the Centre Manager at his local church at Hull Vineyard.

Previously to this, Mark served as a Police Officer for 30 years in his local Force, enjoying a varied and rewarding career before 'retiring' in 2017.

Mark is married, and has 3 children & 6 grandchildren, and in his free-time enjoys walking, cycling, and DIY as well as following the fortunes of Leeds United FC!

Mark Johansson

Martin Bethell: Business Development Manager (UK) & Operations Support Manager (Scotland).

Martin is married to Ann and lives in Livingston. He was born in Stoke-on-Trent and became a Christian when he was 16. He was a County Badminton player as well as heavily involved in Youth Work and Local Preaching in his local Methodist Church. He moved to Scotland when working for the Lloyds Banking Group Scotland in 1998. He and Ann have four grown up children and 4 Grandchildren.

Martin took early retirement from Lloyds in 2014 and helped set up the Bridge Community Project in Livingston and worked as their Money Advice Manager. In 2017 he took on a 2-year role with the Salvation Army as their Divisional Debt Advice Coordinator, setting up 6 Debt Advice Centres. In April 2019 he was appointed as a Centre Manager for CAP in Edinburgh and was delighted to take up the Operations Support Manager position in September 2020 for Community Money Advice Scotland. 

Martin is an Elder in the Church of Scotland in Edinburgh, an active member of the Kirk Session and Prayer Coordinator for their church and also leads services to support the minister.

In their spare time Martin and Ann love to "Chill Out" in the Static Caravan in Berwick upon Tweed, taking strolls on the beach and enjoying the beautiful Northumberland countryside.

Martin Bethell

Claire Daniels: Hub Manager.

Claire has managed our CMA debt advice centre in Scarborough for over 10 years and has both the Certificate in Money Advice Practice and an MA in Social Welfare Law and Advice Practice.

She has also been a CMA trainer for 6 years and helps to work on developing Catalyst. Claire is also a musician, loves writing devotional materials and has two fabulous teenagers.

Claire Daniels

Isla Biggs: Specialist Support Manager.

Isla is the Specialist Support Manager, responsible for the telephone and e-mail advicelines for CMA centres as well as the Catalyst Support system. She also co-ordinates the CMA Debt Relief Order service for centres who do not have their own Approved Intermediaries (AI), acting as the AI in many cases or passing them on to other qualified and experienced AIs.

Isla trained in retail and corporate banking before taking a career break. She started her own property rental business whilst she brought up her two (now adult) sons. During this period, she volunteered in a debt advice service for some years, before founding a CMA centre in her local church in 2010. She helped found the local Foodbank under the banner of Durham Christian Partnership (DCP) and oversaw the transfer of the CMA centre to DCP. CMA County Durham now runs in conjunction with the County Durham Foodbank and Isla is the Lead Debt Advisor with five other paid staff as well as volunteers. 

Isla is active in her local church and is a Triathlon groupie, following her husband to events around the world.

Isla Biggs

Steve Bolton: Operations Support Manager (London SE).

Steve joined CMA in 2012, coming from a background in regulated financial services, and bringing experience of advice and management. In the first few years with CMA, he also worked in foodbank development with The Trussell Trust. With a heart to serve and support others, Steve is active in various roles within his local community, including overseeing the Watford CMA centre.

Meet the CMA Team: Steve Bolton

Steve Bolton

Duncan Harkness: Operations Support Manager (South West & South Wales).

Duncan is a huge motorsport fan and a keen photographer and cyclist (though not at the same time!). He is married with two children and a menagerie of pets, is a member of Institute of Money Advisers and gained a BA (Hons) degree in Advice in 2013. 

Duncan worked for many years in the banking industry before jumping ship and training as a debt adviser in 2003.  He has worked for several charities providing money advice to clients experiencing personal debt as well as specialist advice to those who are self-employed. He has established and managed money advice services and remains a front-line adviser in his home town of Cheltenham. Duncan became OSM for the South West and South Wales in 2015, and particularly enjoys supporting Centre Managers and seeing them develop their own vision for money advice in their communities.

Meet the CMA Team: Duncan Harkness

Duncan Harkness

Nick Lee: Operations Support Manager (South).

Nick is passionate about debt advice because money worries are for people the biggest cause of stress, mental ill health, and relationship breakdown. He's been involved in the sector for over 15 years at a range of advice agencies including at Shelter and a Law Centre and as a trainer at the Institute of Money Advisers, and has seen the real impact of debt through working with over 1000 families and individuals.

Nick has led a number of advice agencies including as Chief Officer at Citizens Advice Stroud and Cotswolds. He's been Associate Lecturer teaching Personal Finance at the Open University, and a tutor in Financial Services Regulation and Ethics at the Chartered Banker Institute. He has experience as a non executive director at a housing association and three credit unions.

Nick lives in Poole with his wife and young daughter; his spare time is mainly spent at various play parks and soft play centres.

Nick Lee

Martin Frize: Operations Support Manager (Midlands & North Wales).

Martin was appointed as the OSM for the Midlands & North Wales Region in September 2020. He is also the Manager (since 2017) of a CMA Centre in the West Midlands where he has been, and remains, a debt advisor since 2015.

Martin worked for thirty years in the manufacturing industry, has enjoyed a variety of roles supporting a number of well known companies across Europe, and continues today to offer consultancy services within his network.

A long time adventure traveller, he loves to immerse himself in the cultures, food and languages of the world and is happy sleeping in a hammock in the jungle!

Martin has a primary aged son with whom he travels often on many an adventure, including rural areas of Kenya where they both worked in and supported local primary schools. Martin is also a committee member of Teso Development Trust, a UK charity with a particular focus on the Iteso people of Uganda, and returned from a 6 week mission there in March 2020.

Martin Frize

Karen Jones: Operations Support Manager (North East).

Karen is church warden at St.Peter's Bentley, serving on the PCC and leadership team and preaches occasionally.

Karen is the centre manager at CMA Bentley and previously worked for 14 years at StepChange Debt Charity as a team leader.

She has 2 children and 4 grandchildren and loves to cook and try new vegan recipes. Karen also likes to read quite a bit and to knit.

Karen Jones