Our Team

Gen Advisory Pty Ltd comprises a friendly, collegial and multi-disciplinary team of professionals. We embrace diversity and inclusion.

Our aim is to maintain a positive environment in which each of our team members feels valued.

The Gen Advisory team’s profiles are below.

Michael Lukman

(Founder and Managing Director)

Michael Lukman is the founder and Managing Director of Gen Advisory Pty Ltd. He brings 19 years’ banking industry and regulation experience.

Michael started his career at Ernst & Young in 2000, providing corporate finance advice to a range of multi-national banks. Following a 2-year stint with the National Australia Banking (NAB) Group, Michael  spent 7 years as a banking regulator with the Australian Prudential Regulation Authority (APRA).

From 2014 to 2018, Michael was the Australian Government aid program’s (AIPEG’s) Financial Sector Regulation and Supervision Adviser in Indonesia. His core mandate during this period: regulation of financial conglomerates.

Michael holds a Bachelor of Commerce and Masters in Accounting from Monash University (Melbourne, Australia). Michael also holds an Executive Certificate in “Rethinking Financial Inclusion” from the John F. Kennedy School of Government, Harvard University (Cambridge, USA).

For further details regarding Michael’s professional history, please click here.

Michael’s interests include: running, gym, tennis and reading.

Michael’s email address is michael.lukman@gnad.com.au

Scott Middleton is Gen Advisory Pty Ltd’s General Manager. His responsibilities include: general operations; accounting and finance;  and stakeholder relationship management.

In a career spanning over 35 years, Scott has managed the interests of a wide and diverse range of stakeholders.

Scott has over 25 years’ accounting experience. He is a keen cyclist and member of several cycling groups in Sydney.

Scott’s email address is scott.middleton@gnad.com.au

Scott Middleton

(General Manager)

Fitria Susanti

(Adviser on financial inclusion)

Fitria is our firm’s Adviser on financial inclusion. Her role: To examine how ADIs can contribute to improved financial inclusion and equality in Australia.

To date, Fitria has authored a series of research papers on topics including: how ADIs can help reduce the gender pay gap within the banking sector; how ADIs can assist older workers; and women’s financial inclusion, among others.

Fitria has a Bachelor of International Relations degree from Abdurrab University, Indonesia. Her hobbies include reading and baking.

Fitria’s email address is fitria.susanti@gnad.com.au

Fachry Ali is our firm’s Adviser on FinTech. His role: To provide advice on FinTech-related matters, so as to enable our client ADIs to navigate the opportunities and threats which FinTech presents.

Fachry has authored several research papers which examine in detail the FinTech industries of selected overseas jurisdictions.

Fachry has a Bachelor of Engineering degree from Persada University, Indonesia. His hobbies include photography and graphic design.

Fachry’s email address is fachry.ali@gnad.com.au

Fachry Ali

Adviser on Financial Technology (FinTech)

Scott Glasgow

(US Adviser)

Scott Glasgow is Gen Advisory Pty Ltd’s US Adviser and an officer of our US affiliate, Gen Advisory Incorporated. In addition to advising Gen Advisory Pty Ltd on all US-related matters, Scott is also available to assist US entities which have an interest in the Australian banking sector.

Scott is concurrently the founder and Managing Director of FinMango, a US 501(c)(3) non-profit organisation. FinMango’s mission: To address economic inequality through opportunity.

Scott has a Bachelor’s degree in Biology from Malone University (Ohio) and a Masters in Financial Economics from Kent State University (Ohio). Scott also has an Executive Certificate in “Rethinking Financial Inclusion” from the John F. Kennedy School of Government, Harvard University (Cambridge).

Scott is a TEDx speaker. His hobbies include yoga and tennis.

Scott’s email address is scott.glasgow@gnad.com.au

“Contributing towards a resilient and sustainable Australian banking sector."


+61-2-8088 0744


Sydney: 08:30 to 17:30 (GMT +10) - Washington DC: 08:30 to 17:00 (GMT -5)