Jess Karlsson


Jess has dedicated her life to positively impacting the lives of people; helping keep them safe, whilst providing them with life changing opportunities.

Jess’ leadership experience spans across private, commercial, and not for profit sectors. Over the past 15 years, Jess has managed recreation, health, and profit for purpose organisations across QLD, NT, and WA. In 2015, after a period as CEO of the YMCA NT, to become CEO of Cahoots (previously Kids’ Camps Inc.) a NDIS provider offering community and individualised supports for people living with disability.

During Jess’ time at Cahoots the charity was transformed, increasing revenue from $500K to $5million annually, whilst increasing services to reach over 2,000 WA children and families. Cahoots was awarded the 2020 Rise Business Charity of the year and Jess was recognised with the coveted 40under40 Business Award. More recently, Jess has also worked as the CEO of Scout WA.

Jess is a passionate advocate for inclusion and creating positive social impact in the community.

Dena Zarif

Executive Manager Corporate Services

Like all the team at Mosaic, Dena has specialist knowledge and expertise including over 15 years of executive experience managing or consulting in community services with a specialised focus in disability and  employment services, multicultural,  humanitarian and broader disability services.

Qualified with an MBA (UWA), Bachelor of Commerce (Murdoch) and Graduate of the Company Directors (AICD) Dena has wide-ranging leadership experience and has acted as interim CEO for numerous not for profit and disability organisations while assisting with significant transformational programs covering culture, risk, strategy and governance. She has been a Board member and Chair for WA Blue Sky a disability services organisation for over 6 years. In addition she holds Six Sigma accreditation from the Australian Institute of Management.

Up until recently Dena Zarif was the of CEO of ANSON Management Consulting.  Prior to joining Mosaic Dena also held a role at National Disability Services, providing sector support to WA providers.

Wendy Palmer

Executive Manager Quality and Safeguarding

Wendy has extensive experience across the health, disability and community services sectors mostly in the non-government arena. Initially an allied health clinician, Wendy has held senior and executive role with responsibility for operational delivery, business development and quality.

With qualifications in speech pathology, health services management and quality auditing, Wendy previously provided executive consultancy services to providers in aged care, disability, community health and welfare services.

Tim Lo

Executive Manager Client Services

Tim joins Mosaic with over 20 years of operational and senior management experience across acute, rehabilitation, residential aged care and disability care sectors. He has worked in WA and also in Singapore

With additional qualifications in healthcare management, project management, and training and assessment, Tim’s experience also includes strategic planning and change management within the Not for Profit (NFP) sector.

Tim also continues to be a registered occupational therapist.