Marina Ritchie ✨

Oculus FastPay

At Oculus FastPay, we help clients:

• Pay off their mortgage years faster — with no extra repayments
• Create financial structure that reduces stress instead of adding to it
• Use their income more effectively — without refinancing or changing lifestyle

Here’s what I know for sure:

• A mortgage doesn’t need to last 30 years
• You don’t need to become a property investor to pay it off
• If you’ve been approved for a loan, there’s a good chance you can repay it in under 10 years

We’ve supported clients to:

• Save over $525,000 in interest and cut 19 years off their mortgage
• Shave 10+ years from their loan with two incomes and no extra repayments
• Walk away with something most didn’t expect: relief

Want to see wha is possible in your case?

DM me the word “Mortgage” and I’ll send you a free tool that shows exactly what’s possible in your situation.

No pressure. No complicated strategies. No risks.
Just clear numbers — and calm insight.

Because your home should support your life — not keep you up at night.

Co-Founder | Director, Customer Success

AI Business Mastery

I collaborate with business owners and teams, offering support to leverage the power of AI.

- ChatGPT for Productivity 
- Utilising AI Tools for Business Growth
- AI Strategy for Business Productivity and Growth
- Supercharging Marketing Strategies with AI Tools
- Mastering Business Communication for Non-Native English Speakers 

Formats:
- One-on-One Sessions
- Small Group Workshops (both in-person and online)
- AI Design Sprint TM

DM to book your 1:1 session or a workshop.

AI Trainer & Advisor 

ScrumCraft

The most optimal approach for integrating AI into businesses is agile, and I am dedicated to helping organisations unlock their transformative potential.

Here is how I can help: 

- AI Adoption Training and Consulting
I collaborate with businesses to align stakeholders on AI initiatives, develop strategic roadmaps for AI adoption, and facilitate ethics and risk assessments to ensure responsible implementation.

- AI Education for Agile Practitioners
I lead the development of educational materials and training programs that empower Agile professionals with the skills and knowledge to effectively leverage AI technologies and drive innovation within their teams.

In partnership with ScrumCraft, I am committed to making AI accessible and impactful for businesses.

AI Adoption Manager

Moonshots Innervation 

Moonshots is a Network built on Trust and Excellence; It exists to nurture start-ups and introduce them to grown-up businesses to produce investable, global, and scalable businesses.

With significant experience and a passion for Innovation and Entrepreneurship, my primary role at Moonshots Innervation is to support our members' businesses to launch, grow and scale by leveraging the power of the Network.
- Creating targeted connections locally, nationally and internationally 
- Organising trusted advisory boards
- Presenting investment opportunities
- Working with start-ups on creating pitch decks and business model canvas 
- Identifying global scaling opportunities for local businesses
- Marketing and business strategy development

Launch Lead

Smart Business Accelerator

As a dedicated Marketing and Business Development Professional, I'm here to support business owners in business growth. 

My services include:
- Marketing Strategy: Tailored guidance for crafting an effective marketing plan
- Growth Planning: Assistance in setting objectives and creating a roadmap for business expansion
- Project Launch: Execution and management of your key projects, ensuring successful roll-out
- Outsourcing Support: Aid in sourcing contractors and managing the outsourcing process effectively
- Budget Optimisation: Cost-effective marketing solutions for maximising return on investment
- Continual Support: Consistent guidance and support throughout your business journey

Business Growth Manager

Crusher Parts International Pty Ltd

Director Of Marketing And Business Development

bWellness

GBC | Global Business Club Ltd

GBC conferences bring together principal refining and petrochemical producers and NOCs from across the entire CIS region, including Russia, Ukraine, Kazakhstan, Belarus, Azerbaijan, Uzbekistan, Turkmenistan, Tajikistan and Kyrgyzstan as well as high-level speakers from international technology and license providers and regulatory bodies to discuss key challenges of the market.

Conference Director

World Refining Association

5th Annual Base Oils and Lubricants in Russia and CIS Conference, 26-28 March 2012, Moscow. 
15th Annual Refining and Petrochemicals in the Russia and CIS Countries Roundtable, 28 November - 2 December 2011, Geneva.

Polylog PR / Компания «Полилог».

•	Played a pivotal for one of the top PR-agencies for government PR and integrated marketing campaigns
•	Managed the Russian Sakhalin Government Investment Conference in Seoul, Republic of Korea 
•	Oversaw conference arrangements including the agendas, coordination and all participants
•	Dealt with key stakeholders to ensure successful outcome of the project 
•	Exceeded the target by 200% and delivered the project to the highest standard

Project Manager (3 months contract)

AI Adoption Manager | Empowering SMEs to Navigate the AI Acceleration

Does it ever feel like everyone else is moving forward — building property portfolios, launching new ventures, chasing big dreams — while you are stuck trying to make your next move… or just pay off your first mortgage?

You're doing your best.
You've built a career. Maybe even a business.
But something is still holding you back.

After working with professionals and business owners for over 20 years, I’ve learned this:
Sometimes the biggest source of pressure becomes so normal, it turns invisible.

Hi, I’m Marina — AI Advisor, Strategy Consultant, and now, co-founder of Oculus FastPay.

Whether I am in an AI discovery session, a strategy workshop, or a coaching call — I always go to the core.
- What is really keeping someone stuck?
- What is causing stress, clouding decisions, or slowing everything down?

Often, it comes back to this:
1. Financial pressure. Mortgage debt. The weight of a long-term loan that shapes every decision, personal or professional.
2. The fear of change. Because when your income is tied to survival — to paying off a 30-year loan — it’s hard to take risks, embrace new tools like AI, or make the moves you know your business needs.

I know that feeling well.

Selling my own home was a turning point.
It gave me clarity, freedom, and space to explore. 
That is when I went all-in on AI and built my consulting practice around helping others do more with less.

And now? I am applying everything I teach.

In the start of 2025, I co-founded Oculus FastPay — a service that helps families and professionals pay off their mortgage faster, using the income they already have.
No refinancing. No buying more properties and getting more debt. No increasing repayments. 
Just structure, clarity, and a smarter path forward.

Because I believe that helping people grow in business or life without addressing their biggest stress is not real help.
It is surface-level. And that is not how I work.

I believe in:
1. A human-first approach — it is always about people
2. Real outcomes that create space and freedom
3. Personal and professional clarity that gives you time to live the life you care about

Here is what I do now: 
- AI Advisory & Productivity Coaching — AI education and AI adoption roadmaps 
- FastPay Strategy & Support — for families ready to reduce financial pressure

DM me "AI" or “mortgage” — and I’ll share the exact tool I use to help clients see what’s possible.

The Lisa Harnum Foundation (Official)

Safe Rooms are designed to provide a safe haven for victims of domestic violence, where they can access a range of services and support without fear of judgement or retaliation. These rooms are typically staffed by a caseworker who is trained to provide emotional support, practical assistance, and referrals to other services such as counselling and legal advice.

Chairperson SafeRooms

The Lisa Harnum Foundation

Today I was offically appointed to the Board of the Lisa Harnum Foundation in Sydney to help drive initiatives to reduce domestic family  violence  across our Community. https://www.lisahf.org.au/

Board Member

Benjamin & Benjamin Insurance Group

As of the 14th July 2023 IME Brokers became part of the Benjamin & Benjamin Insurance Group

Sales Manager

Insurance Made Easy

Responsibilities – developing new business opportunities and strategic development support of existing markets 

Your Trusted Specialists
IME Insurance Made Easy has a team of very specialised insurance experts that have  years of knowledge  in the assessment of insurance risks and claims, so when they are assisting one of our clients or liaising with the Underwriter their knowledge is unsurpassed and respected within the industry.

We are not just Insurance Brokers, we form relationships, which sets us apart from the Industry.

Insurance Services:
*      Cyber Insurance 
*      Products & Public Liability
*      Professional Indemnity
*      Management Liability (Directors & Officers)
*      General Property (all risks-mobile equipment)
*	Income Protection
*       Commercial Vehicles
*       Group & Corporate Travel Insurance
*       Workers Compensation
*       Association Liability 
*       Marine Transit cover

National Sales & Marketing Manager

Local Area Marketing

Member

Sparke Helmore Lawyers

Contracted consulting services as a general insurance specialist with accountabilities for:  

*Business Development
* Business Intelligence 
* Client Relationship Management 
* Group's brand positioning 
* Strategic Projects 
* Leadership
* Budget management

"Philip brought useful fresh perspectives to the process, strengthening our value proposition and a willingness to challenge conventional thinking. He was immensely supportive in ensuring this important process stayed on track despite the many challenges I faced in dealing with a multitude of stakeholders with various perspectives at play. As my manager, Philip was always willing to act as a sounding board and provide guidance - through offering both a well informed and considered opinion, and by suggesting alternative approaches to consider. Working with Philip in a busy, demanding and consistently challenging environment, I valued and benefitted from his experience and perspective both in terms of business knowledge and dealing with people.I welcome the opportunity to verify this reference in person. Please feel free to contact me via 0401 375 887.
Sincerely Sarah Joseph"


I had the pleasure of working with Philip during his time at Sparke Helmore Lawyers. I reported to Philip who managed me in my role as Business Development and Marketing Manager, working with the Insurance Statutory practice group nationally.Philip's knowledge of the insurance market is impressive, and his generosity of that knowledge was a huge help to me and my role. Philip is also very giving of his time, which to a new starter like myself, was fundamental to ensuring my first few weeks were informative and set up to help me succeed.Philip's contribution to my career is much appreciated, and I have no doubt he will be an asset to the next team fortunate enough to work with him.I am happy to provide a telephone reference should it be required.Angela Fung 0435 738 828"

Senior Business Development Manager, Insurance and Workplace Groups

Suncorp Group

Three key streams , Senior Relationship Manager for Newcastle Permanent Building Society for 8 years, Business Development(Tenders, On Boarding, New Corporate Partner Intermediaries such as mortgage brokers, affinity groups ,retail opportunities. Operations Manager(efficiency programs,SME Lead, framework, facilitation and systems for a range of centralised business functions). Overall support for the delivery of the Corporate Partner key strategic objectives, optimise business processes that support delivery of efficiencies and consistency of process, manage operational back office functions, manage compliance for AAI charters across the Corporate Partner business, manage all Business Technology requirements and priorities across the business, engaging all required internal and external stakeholders, accountable for the insurers  CVP across the business and ensure the opportunity to maximise the Groups product offering to Partners and capability of such products for partners is realised.

Operations Manager Corporate Partners PI Distribution

National Strategic Manager for Partners of scale and National Development Manager for new business acquisition for Vero Corporate Partners.

National Development and Relationship Manager Corporate Partners

Accountability for Growth & Development across Corporate Partner and Broker channels. Managing prospecting for busienss acquisition, tenders and implementation for new partners for Broker and Corporate Partner channel. Senior Manager for Newcastle Permanent Building Society.Operational and strategy support for Vero Personal Lines.

Manager, Growth & Development

National development of credit union market for corporate partner channel.

National Development Credit Unions

Accountable for PI channels across Broker,Agent,FI,Call Centre. Functional & operational across development, sales, underwriting, processing, underwriting.

State Manager Personal Lines NSW

CGU Insurance

Accountable for Australia & NZ. Partnerships with AFTA, AFTA, large Travel Groups,ANZ.

General Manager Travel Insurance

We can help you with your 
>BUSINESS INSURANCE
>PUBLIC LIABILITY INSURANCE
>PROFESSIONAL INDEMNITY INSURANCE
>PRODUCTS LIABILITY INSURANCE
> CYBER INSURANCE
>MANAGEMENT LIABILITY INSURANCE
>BUSINESS INTERRUPTION INSURANCE
>CORPORATE TRAVEL 
& other COMMERCIAL INSURANCES.   

IME Insurance Made Easy has a team of very specialised insurance experts that have years of knowledge in the assessment of insurance risks and claims, so when they are assisting one of our clients or liaising with the Underwriter their knowledge is unsurpassed and respected within the industry. We are not just Insurance Brokers, we form relationships, which sets us apart from the Industry.


Philip is a  highly Executive Manager with a proven track record managing the development of general  insurance across markets and sales channels. Philip has nearly 40 years general insurance experience including  IAG and Suncorp , including Travel Insurance(GM- CGU Travel Insurance for over 3 years) ,Credit Unions ,Affinity Groups and Major Accounts . Philip is  Board Member of the Lisa Harnum Foundation, 3 year President of non for profit Lions Club International and Board member. 

*Experienced Corporate Partnerships / Relationships Manager with a proven track record managing development and growth for some of the region’s largest insurance, banking, superannuation and investment brands at a National, State and Group level.
*Excellent financial / commercial skills, with a proven ability to develop and implement strategies to deliver exceptional results in terms of insurance GWP, profitability, risk management and compliance
*Experienced in managing operations across a broad range of channels, markets and locations, with large FTE headcounts, as well as Agent and Broker networks
*Highly developed leadership, communication and interpersonal skills, able to build high performing teams, lead, coach, mentor and motivate staff to achieve high levels of performance, engagement and focus

taplio

The Battle

Marina Ritchie ✨

Phil Watson I Helping SME's mitigate risk LIONS President Melvin Jones Fellow

Followers

Posts

Engagements

Likes

Ready to grow your LinkedIn presence?