What is the relationship between Roslyn Russell and RMIT University in the context of the input sentence. Choose an answer from: product/material produced; manufacturer; distributed by; industry; position held; original broadcaster; owned by; founded by; distribution format; headquarters location; stock exchange; currency; parent organization; chief executive officer; director/manager; owner of; operator; member of; employer; chairperson; platform; subsidiary; legal form; publisher; developer; brand; business division; location of formation; creator.

"Lower caps on fees, for example, may have the unintended consequence of encouraging illegal lending activity – and so other policy initiatives should be trialled," the report by RMIT University academics Marcus Banks, Ashton de Silva and Roslyn Russell said.

Answer: employer