Found Deceased Australia - Melissa Caddick, 49, Sydney, NSW, 12 Nov 2020 #6

[Brissie Sleuth]

Looking for information on the forensics of the remains of the bones found? Any ideas, or do I wait until the Coroner hands down her report?

unfortunately nothing has been released apart from the vague statements in media articles.

 

[OwlHeart]

"Remember: when detecting deception, we aren’t looking for the lie – we are looking for the truth."
Detecting Deception: Body Language - Forensic Strategic Solutions

 

[OwlHeart]

Quickly read, analyze, and interpret body language - Behavioural response chart | Reading body language, Body language, Psychology facts

 

[Estelle]

I wonder if AG has a daughter? She looks abt the right age? Looking again, I think personnel attached to the police or camera crew

My gut feeling is that AG has never married or had children or if he did, he is divorced.

 

[Estelle]

I NEED YOUR HELP TO SORT THIS FIRST PART OF HER CAREER HISTORY OUT AS IT DOES NOT MAKES SENSE TO ME AS I THINK SHE MUST HAVE LIED ON HER RESUME.

MELISSA CADDICK TIMELINE FROM 1997 to 2004

21/04/1971: Born Melissa Louise Grimley to Barbara and Ted Grimley. Melissa has an older brother, Adam Grimley.

Went to school at Peakhurst Primary and High Schools. Lived in Lugarno. Went to a school camp near Bournda Beach. Completed HSC. A former Miss Australia fund raiser

1990 Started her career at 18yo with NRMA as Money Market Dealer

1997 A Sydney fund manager was approached by a friend and asked to give Caddick a job. After the friend spoke highly of her, the fund manager gave her a mundane clerical job in the back office.About six months after Caddick started work, the fund manager’s accountant rang him to say there were several anomalies in the accounts. The accountant asked him to go down to National Australia Bank and check the cheques. At the bank, the fund manager found two company cheques worth $5000 and $10,000 with forged signatures. He went back to the office, asked Caddick if she had forged them, and when she said yes, his good nature got the better of him. Instead of calling the cops, he gave her a second chance. He simply asked her to leave immediately.Melissa Caddick: The timeline of her alleged frauds and disappearance (9news.com.au)

1997 Employed at Wise Financial Services (from SMH) "Caddick introduced financial planning to the business six years ago. She began her career as a money market trader with NRMA, then worked in corporate finance and later as a private client stockbroker. She has completed a Masters in Banking and Finance and her Diploma of Financial Planning and she is a year away from receiving her Certified Financial Planner accreditation." …

01 Oct 2003 Melissa Caddick on the cover of the IFA Magazine in 2003.Wise Financial website (via Trove's website snapshot 06 Dec 2003):"Driving Wise Financial's next stage of development is Melissa Caddick, brought in six years ago as a succession plan to [the company's founder, BB] who established the business selling life insurance 23 years ago." .."Although she has been in the business for six years now and has 14 years experience in the advice and investments industry, she approaches her work with the enthusiasm and vigour of a recruit fresh out of university.”

The Share trading was before Wise ... and this includes Tandem /ING From The Daily Telegraph .....According to a former colleague, Melissa Grimley worked in the share trading industry before entering financial planning.

In 2003, Grimley bought a small stake in a legitimate financial planning firm in Sydney called Wise Financial Services, a firm that no longer exists in NSW.She featured on the front cover of the September/October 2003 issue of Independent Financial Adviser magazine under the headline “A Wise Choice”. The company had won best financial practice of the year in 2003.

A former partner of Wise, who asked not to be named, said Melissa Grimley then held a legitimate licence she obtained through Tandem Financial Services that was a wholly owned subsidiary of ING.“She was an authorised representative of their licence and the significance of that was it was a wholly compliant financial services company,” the partner said. “She was delightful, she was very efficient, very meticulous, and very compliant and we worked in such a compliant world that you could not send an email or text or do anything without it being authorised by the compliance department “She had a background in share trading before she worked for us. She joined Wise and I worked with her for three years. She was excellent at what she did,” he said. No Cookies | Daily Telegraph

1 October 2003 Driving Wise's next stage of development is Melissa Caddick, brought in six years ago as a succession plan to Brian Boggs who established the business selling life insurance 23 years ago.

https://web.archive.org/web/20041124030855/http://www.wise.com.au/Cover Story Wise up to best practice.asp

But the failure to report Caddick back then would allow her to go on and invent her crooked financial advisory business sometime after 2009.Melissa Caddick would go on to buy a small stake in (the now defunct) Wise Financial Services when she was in her early 30s in 2003-04.The company won best financial practice of the year in Independent Financial Adviser magazine in 2003. Caddick would feature on the front cover of IFA magazine in an article entitled “A Wise Choice”.

www.cairnspost.com.au/how-melissa-caddick-got-caught-forging-cheques-20-years-before-she-vanished/news-story/6c524f47cb5e240cf5cb37aa5ac1df70

3/11/2004 Article “She said”.You Don’t Need Money To See A Financial Adviser Melissa Caddick is a Principal of Wise Financial Services, www.wise.com.au*Wise Financial Services Pty Limited is a Corporate Authorised Representative and Melissa Caddick is an Authorised Representative of Tandem Financial Advice Limited (ABN 27 006 226 777) AFSL Number 238427 You Don't Need Money To See A Financial Adviser - SHE'SAID'

 

[scapa]

I NEED YOUR HELP TO SORT THIS FIRST PART OF HER CAREER HISTORY OUT AS IT DOES NOT MAKES SENSE TO ME AS I THINK SHE MUST HAVE LIED ON HER RESUME.

MELISSA CADDICK TIMELINE FROM 1997 to 2004

21/04/1971: Born Melissa Louise Grimley to Barbara and Ted Grimley. Melissa has an older brother, Adam Grimley.

Went to school at Peakhurst Primary and High Schools. Lived in Lugarno. Went to a school camp near Bournda Beach. Completed HSC. A former Miss Australia fund raiser

1990 Started her career at 18yo with NRMA as Money Market Dealer

1997 A Sydney fund manager was approached by a friend and asked to give Caddick a job. After the friend spoke highly of her, the fund manager gave her a mundane clerical job in the back office.About six months after Caddick started work, the fund manager’s accountant rang him to say there were several anomalies in the accounts. The accountant asked him to go down to National Australia Bank and check the cheques. At the bank, the fund manager found two company cheques worth $5000 and $10,000 with forged signatures. He went back to the office, asked Caddick if she had forged them, and when she said yes, his good nature got the better of him. Instead of calling the cops, he gave her a second chance. He simply asked her to leave immediately.Melissa Caddick: The timeline of her alleged frauds and disappearance (9news.com.au)

1997 Employed at Wise Financial Services (from SMH) "Caddick introduced financial planning to the business six years ago. She began her career as a money market trader with NRMA, then worked in corporate finance and later as a private client stockbroker. She has completed a Masters in Banking and Finance and her Diploma of Financial Planningand she is a year away from receiving her Certified Financial Planner accreditation." …

01 Oct 2003 Melissa Caddick on the cover of the IFA Magazine in 2003.Wise Financial website (via Trove's website snapshot 06 Dec 2003):"Driving Wise Financial's next stage of development is Melissa Caddick, brought in six years ago as a succession plan to [the company's founder, BB] who established the business selling life insurance 23 years ago." .."Although she has been in the business for six years now and has 14 years experience in the advice and investments industry, she approaches her work with the enthusiasm and vigour of a recruit fresh out of university.”

The Share trading was before Wise ... and this includes Tandem /ING From The Daily Telegraph .....According to a former colleague, Melissa Grimley worked in the share trading industry before entering financial planning.

In 2003, Grimley bought a small stake in a legitimate financial planning firm in Sydney called Wise Financial Services, a firm that no longer exists in NSW.She featured on the front cover of the September/October 2003 issue of Independent Financial Adviser magazine under the headline “A Wise Choice”. The company had won best financial practice of the year in 2003.

A former partner of Wise, who asked not to be named, said Melissa Grimley then held a legitimate licence she obtained through Tandem Financial Services that was a wholly owned subsidiary of ING.“She was an authorised representative of their licence and the significance of that was it was a wholly compliant financial services company,” the partner said. “She was delightful, she was very efficient, very meticulous, and very compliant and we worked in such a compliant world that you could not send an email or text or do anything without it being authorised by the compliance department “She had a background in share trading before she worked for us. She joined Wise and I worked with her for three years. She was excellent at what she did,” he said. No Cookies | Daily Telegraph

1 October 2003 Driving Wise's next stage of development is Melissa Caddick, brought in six years ago as a succession plan to Brian Boggs who established the business selling life insurance 23 years ago.

https://web.archive.org/web/20041124030855/http://www.wise.com.au/Cover Story Wise up to best practice.asp

But the failure to report Caddick back then would allow her to go on and invent her crooked financial advisory business sometime after 2009.Melissa Caddick would go on to buy a small stake in (the now defunct) Wise Financial Services when she was in her early 30s in 2003-04.The company won best financial practice of the year in Independent Financial Adviser magazine in 2003. Caddick would feature on the front cover of IFA magazine in an article entitled “A Wise Choice”.

www.cairnspost.com.au/how-melissa-caddick-got-caught-forging-cheques-20-years-before-she-vanished/news-story/6c524f47cb5e240cf5cb37aa5ac1df70

3/11/2004 Article “She said”.You Don’t Need Money To See A Financial Adviser Melissa Caddick is a Principal of Wise Financial Services, www.wise.com.au*Wise Financial Services Pty Limited is a Corporate Authorised Representative and Melissa Caddick is an Authorised Representative of Tandem Financial Advice Limited (ABN 27 006 226 777) AFSL Number 238427 You Don't Need Money To See A Financial Adviser - SHE'SAID'

Many thanks for the detailed post. Are you querying the Masters in Banking and Finance and Diploma of Financial Planning? Agree that it seems unlikely that she could have obtained a selective MBA without having completed a BA/BSC/BCom with a decently high GPA, but I'm not sure how the system works in AUS and whether or not it would be possible to get into such a program with a different set of prerequisites, for example a certain number of years in the job.

Given that it's MC we're talking about, I can't see resume-stuffing being beyond her. Seems like a person who could lie as comfortably about her educational and professional background as easily as she could about how many miles she'd run that day. Or, indeed, whether an investment was going to manage a particular rate of return. Or anything, really.

 

[SouthAussie]

Many thanks for the detailed post. Are you querying the Masters in Banking and Finance and Diploma of Financial Planning? Agree that it seems unlikely that she could have obtained a selective MBA without having completed a BA/BSC/BCom with a decently high GPA, but I'm not sure how the system works in AUS and whether or not it would be possible to get into such a program with a different set of prerequisites, for example a certain number of years in the job.

Given that it's MC we're talking about, I can't see resume-stuffing being beyond her. Seems like a person who could lie as comfortably about her educational and professional background as easily as she could about how many miles she'd run that day. Or, indeed, whether an investment was going to manage a particular rate of return. Or anything, really.

Yes, resume stuffing is not so uncommon. I worked at a place overseas where a person applied for a top level management job - his credentials were checked and it was found that he never attended the prestigious university that he claimed on his resume.

 

[Investig8r]

1990 Started her career at 18yo with NRMA as Money Market Dealer

1997 A Sydney fund manager was approached by a friend and asked to give Caddick a job. After the friend spoke highly of her, the fund manager gave her a mundane clerical job in the back office.

Thanks Estelle for the timeline.

I am wondering what Melissa did after she left school for the first year. She would have left in 1988 so what did she do in 1989? Perhaps a gap year?

Also if she had experience as a money market dealer for 6 or so years at NRMA, why did she leave and seek another job - especially a mundane job in the back office of a Sydney fund manager? Was there an issue when she worked at NRMA?

She began her career as a money market trader with NRMA, then worked in corporate finance and later as a private client stockbroker.

Perhaps the reference to Corporate Finance here refers to her working in Finance within NRMA?

 

[HelloJohnny]

Many thanks for the detailed post. Are you querying the Masters in Banking and Finance and Diploma of Financial Planning? Agree that it seems unlikely that she could have obtained a selective MBA without having completed a BA/BSC/BCom with a decently high GPA, but I'm not sure how the system works in AUS and whether or not it would be possible to get into such a program with a different set of prerequisites, for example a certain number of years in the job.

Given that it's MC we're talking about, I can't see resume-stuffing being beyond her. Seems like a person who could lie as comfortably about her educational and professional background as easily as she could about how many miles she'd run that day. Or, indeed, whether an investment was going to manage a particular rate of return. Or anything, really.

Definitely possible here in Australia. See the Good Universities Guide...

“If you have significant work experience in the field, some institutions will acknowledge the skills and knowledge you’ve gained in the workplace as being equal to those you would have gained in undergraduate study.”

If this has been her pathway, I would guess that she commenced with a Graduate Certificate, then Graduate Diploma, then only had a few courses left to finish off the Masters. It is essentially the same, same courses (subjects) offered, same assessment etc. just a different pathway.

The only difference is, that you are enrolled in different programs along the way e.g. Grad Cert (you graduate), then enrol in Grad Diploma (you graduate), then you enrol in the Masters. Most people just disclose that they have attained a Masters Degree, and if an employer reviewed their Academic Transcript then it would show all of their programs and what courses were completed within each program.

Many people who completed Secondary school and went straight into the workplace, worked for 5 to 10 years, then undertakes tertiary studies this way.

 

[Investig8r]

How science solved the mystery of feet washing ashore in the Pacific Northwest — National Geographic

“the data suggest, cadavers are overall more likely to sink than to float, and people who drown are the most likely to sink.”
“What’s more, once a body sinks, it tends to go straight to the bottom.”

“So what about the feet? It turns out that underwater scavengers like crustaceans will work around bones and other tough obstacles, preferring to pick apart softer tissues. And unlike the bony ball-and-socket joints that join our legs to our hips, our ankles are made up mostly of soft stuff: ligaments and other connective tissue. So it follows that a sunken, shoe-wearing cadaver in the Salish Sea is likely to be chewed apart by scavengers, and to have its feet disarticulated from the rest of the body in short order.”

“What’s more, feet wearing sneakers made in the last decade or so would almost certainly float. Not only have gas-filled pockets become common in sneaker soles (and they’re visible in some sneakers found in the Salish Sea), but around that time, the foams used in sneaker soles started to be noticeably lighter, with more air mixed in. In other words, they’ve become buoyant.”

“Sometimes, such unexpected clues lead us places we never thought we’d go, if only we are willing, patient, and brave enough to follow them. And sometimes they do it wearing sneakers.”

 

[SouthAussie]

How science solved the mystery of feet washing ashore in the Pacific Northwest — National Geographic

“the data suggest, cadavers are overall more likely to sink than to float, and people who drown are the most likely to sink.”
“What’s more, once a body sinks, it tends to go straight to the bottom.”

“So what about the feet? It turns out that underwater scavengers like crustaceans will work around bones and other tough obstacles, preferring to pick apart softer tissues. And unlike the bony ball-and-socket joints that join our legs to our hips, our ankles are made up mostly of soft stuff: ligaments and other connective tissue. So it follows that a sunken, shoe-wearing cadaver in the Salish Sea is likely to be chewed apart by scavengers, and to have its feet disarticulated from the rest of the body in short order.”

“What’s more, feet wearing sneakers made in the last decade or so would almost certainly float. Not only have gas-filled pockets become common in sneaker soles (and they’re visible in some sneakers found in the Salish Sea), but around that time, the foams used in sneaker soles started to be noticeably lighter, with more air mixed in. In other words, they’ve become buoyant.”

“Sometimes, such unexpected clues lead us places we never thought we’d go, if only we are willing, patient, and brave enough to follow them. And sometimes they do it wearing sneakers.”

A person doesn't stay on the bottom though, unless they are weighted down or caught in obstructions.
We posted links in the discontinued previous threads that stated the person sinks then within a couple of days they float, due to gasses that form.

Something that was stated by the experienced water police person who was interviewed by the media.

Likely why the police divers went to search below the Dover Heights cliffs ... to make sure Melissa hadn't been caught or weighted down there somehow. imo

 

[BlueViolet]

I’m shocked and saddened to think she might have had to put on a persona of wealth & grandeur to make her an interesting catch, even a ‘cougar’ perhaps, when all that is important in real life is health, happiness, family, dogs (at least to me).

 

[Redrunner]

SouthAussie, are you talking about the lady in the bright green shirt? I'm wondering if she's a police person in casual clothes or maybe a solicitor? At about 11:55 when the camera is still on Insp Atkins there's a woman's voice from right-of-screen which says "Guys, we might leave it there." Insp Atkins looks at her, smiles and nods. Some of the media people ask a few more questions of AK, then the green-shirted woman (who can now be seen on-screen) says "Thanks, guys" and that's the end.

MOO Wondering whether she is not from Police media liaison, or something like that?

 

[stormbird]

I NEED YOUR HELP TO SORT THIS FIRST PART OF HER CAREER HISTORY OUT AS IT DOES NOT MAKES SENSE TO ME AS I THINK SHE MUST HAVE LIED ON HER RESUME.

MELISSA CADDICK TIMELINE FROM 1997 to 2004

<RSBM>

Here's something to complicate the timeline even further: a profile from 1999 saying that Melissa had started work for N*** Investment Management in 1987 (which I'm guessing would only have been possible if she was working during her studies at high school - which sounds unlikely, but maybe there was a work experience program?):

Staff profile for Melissa Grimley, financial planner, as saved by a Trove (archive) snapshot on 13 Nov 1999

*I'm blocking out the names of companies in case they were duped by Melissa; if she conned them, they're victims too.

 

[Via Marple]

Many thanks for the detailed post. Are you querying the Masters in Banking and Finance and Diploma of Financial Planning? Agree that it seems unlikely that she could have obtained a selective MBA without having completed a BA/BSC/BCom with a decently high GPA, but I'm not sure how the system works in AUS and whether or not it would be possible to get into such a program with a different set of prerequisites, for example a certain number of years in the job.

Given that it's MC we're talking about, I can't see resume-stuffing being beyond her. Seems like a person who could lie as comfortably about her educational and professional background as easily as she could about how many miles she'd run that day. Or, indeed, whether an investment was going to manage a particular rate of return. Or anything, really.

When searching for that particular masters degree title (it is not plain MBA) this from Macquarie Uni in Sydney stands out:
MQU Program Finder

Remember that entry requirements were likely different in the 90's, but as of current it says:

RELATED DISCIPLINES FOR PRIOR QUALIFICATIONS
Finance, Banking, Financial Management, Actuarial Studies, Accounting, Economics.



RELEVANT PRIOR WORK EXPERIENCE, PROFESSIONAL CERTIFICATION, OR OTHER RECOGNISED LEARNING
Professional work experience includes roles requiring technical or specialist expertise or managerial / decision making functions with broad knowledge or skills in key concepts or principles in finance, banking, actuarial studies, accounting or economics.

 

[BlueViolet]

She might have left school after the school certificate, which is about 16

 

[BlueViolet]

I think she was born in 1971 so her 50th is in April. The qualia/hamilton isl/private jet trip

 

[stormbird]

She might have left school after the school certificate, which is about 16

BlueViolet, it seems that she did go on to do the Higher School Certificate (probably) because she was still at school doing Year 12 studies in 1988: a recent report quoted a few people who had attended the same schools and then met Melissa again at a 30-year reunion in 2018. The article is paywalled but non-subscribers might be able to access it via a tweet by the reporter:

"Melissa Caddick's friends shocked by change in millionaire after high school", Courier Mail, 06 March 2021 (it was also in the Daily Telegraph, probably under a different title?)

 

[they'll get you]

I’m shocked and saddened to think she might have had to put on a persona of wealth & grandeur to make her an interesting catch, even a ‘cougar’ perhaps, when all that is important in real life is health, happiness, family, dogs (at least to me).

Yes it sad to think that quest for wealth & grandeur eventually had her pushed off the cliff.

 

[Estelle]

I think she was born in 1971 so her 50th is in April. The qualia/hamilton isl/private jet trip

Yes I put MC as being born in 1971.

I think she did the HSC at Peakhurst High (see Childhood article) so add 18 to 1971 and you get 1989 - the year of her HSC. So I assumed she started work the next year in 1990 before her 19th birthday.