Michelle Dowdell is Treasury’s Head of Melbourne Office and a Principal Adviser in Retirement Income Policy Division. A key role of the Division is providing advice on all aspects of retirement income policy, including age pension policy and the tax and regulatory aspects of superannuation policy. As Head of Melbourne office, Michelle leads Treasury’s engagement with a wide range of stakeholders. Since starting in Treasury as a Graduate, Michelle has worked in a number of policy areas within Commonwealth Treasury and Department of Finance. Michelle has also been an adviser to three Treasury Ministers and was seconded to NZ Treasury advising on regulatory reform.