With bachelor degrees in Science and Commerce, Francis became a Chartered Accountant in 1979. She gained her taxation experience during 15 years at Price Waterhouse. As a tax manager she advised large corporations and individuals whilst building particular expertise in assisting United States and other expatriates with their taxation obligations and in NSW land tax matters.

In 1988 she retired temporarily to devote more time to her family. She recommenced working part time briefly as an analyst and educator in a financial research house before returning about 16 years ago to assisting individuals with taxation compliance in the practices of Mark Tunstall and his former partners in Chatswood.

Outside work Francis, a widow with two children, is actively involved in community heritage and adoption organizations as well as her family's business interests.