Patrick Clarke Email & Phone Number

Melbourne, Victoria, Au

I lead the Retirement Solutions team at Generation Life and am a member of the Generation Life leadership team. In March 2022, we launched Generation Life LifeIncome ("LifeIncome"), an innovative investment-linked lifetime annuity. LiefIncome has won the Plan for Life Best Investment-Linked Lifetime Longevity Product two years running.After 30 years of developing solutions to help Australians save for their retirement, it is exciting to be developing solutions to help Australians enjoy their retirement.

Melbourne, Victoria, Au

Melbourne, Victoria, Au

I led the Wrap team within the Pensions and Investments division of ANZ Wealth until its sale to IOOF.

Melbourne, Victoria, Au

Reporting to the Deputy CEO of ANZ Bank, I was responsible for the relationship management of ANZ's strategic alliances with CMC Markets (ANZ Share Investing), QBE, (general insurance), Zurich (life insurance) and IOOF (investments and superannuation). I helped ANZ's tribes and squads align their work towards our customer strategy, whilst ensuring our strategic partners are providing wealth solutions that meet the needs of our customers. I was also a Product Owner of a squad that operated in an Agile Work methodology.

Melbourne, Victoria, Au

I represented Wealth in the development of ANZ's new mobile banking application - the ANZ App. My role required me to ensure that the Wealth assets work in the ANZ App and to manage wealth stakeholders for the project. There are four Wealth stakeholders across Superannuation, Share Investment, Life Insurance and General Insurance. I also troubleshot issues as they arise across the four lines of business.

In February 2018, I was appointed as a Non Executive Director to 7 companies that collectively make ANZ Bank's Aligned Dealer Group Network. One of my responsibilities as Director was also to chair the Advice Product & Investment Committee that manages the Approved Product Lists and Model Portfolios that are used by the Aligned Dealer Groups. The Aligned Dealer Groups are the RI Advice Group, Millenium3 Financial Services and Financial Services Partners. Approximately 590 planners work for the Aligned Dealer Groups. As part of becoming a director, I completed the AICD's 5 day Company Director's Course. As a result of the transition of the Aligned Dealer Groups to IOOF, I resigned my position on 28th September.

Pioneered Human Centred Design at ANZ Wealth. Led the first project to employ Human Centred Design in the Wealth business focusing on Life Insurance. Building on experience gained as an SME on a Human Centred Design project that looked at the home ownership experience in ANZ Bank.Project was completed in December and provided recommendations to the Life Insurance business on building a transformed service model to free up the capacity of advisers and frontline staff. Multiple prototypes of servicing elements, including preference models, status updates and reporting modules were developed and tested with planners and their back office staff.With the sale of the Wealth business to 3rd parties, HCD role in Wealth has been discontinued. and

Achievements- led the team that conceived and developed ANZ Smart Choice Super, which was launched in December 2011. We established a brand new digital super fund integrated with Internet Banking, created all operational and call centre teams, developed the CVP and pricing and innovative Lifestage investment options- Sponsor of ANZ's Stronger Super programme, which developed ANZ's MySuper product, an employer version of ANZ Smart Choice- Interim programme director for 2 months on 2 separate occasions on 2 $20m plus projects- Led the team that developed ANZ's awarded rollover tool that enables our customers to consolidate super paperlessly via Internet Banking and Grow- ANZ Smart Choice Super has won numerous awards for its value for money, innovation and digital features. As at 30 June 2017 it has over $15b in FUM and 600k account holders- Part of the Grow by ANZ steering committee- Part of the team that has trained over 1700 frontline staff to talk about wealth in the ANZ Branch Network- have spoken at domestic and overseas conferences on behalf of ANZ Wealth- member of Home Ownership Experience core team - one of the first projects to employ Human Centred Design in ANZ.

Barangaroo, New South Wales, Au

Returned to BT Financial Group to lead retirement product development. Worked on fixed term annuities and retirement solution concepts.

朝阳区, 北京, Cn

I was recruited to head up a team with two objectives:- obtain the necessary licences to manufacture Enterprise Annuities (Chinese Corporate Super); and- upon obtaining the licences, commence the manufacture and distribution of Enterprise Annuities through Aviva COFCO's existing group life distribution channels. My family and I moved to Beijing with a view to spending a minimum of three years in China. Regrettably, a decision was taken by the Government to not award any more pension licences not long after I arrived. No more licences have been awarded to this day. As a result the assignment was ended by mutual consent.My experience in China was fascinating. I was the only Australian in an office of over 100 Chinese employees. My business manager doubled as my interpreter. As part of developing the customer proposition I trvelled to many cities in China in which Aviva-COFCO operated including Fujian, Wuhan, Guangzhou and Shijiazhuan. I met with employers and other providers of Enterprise Annuities and a good sense of attitudes to retirement savings in China. I also gained a good working knowledge of the pension rules in China.

Worked in 10 roles in 10 years. This reflected management's belief that I could be thrown into unfamiliar situations and rapidly build relationships and networks to get things done.Highlights (chronological)- created the first retirement solution team at BT and commenced the development of variable annuities (2008)- led the product development stream of the team that conceived and developed BT Super for Life. BT Super for Life was a revolution in superannuation in Australia as it integrated banking and wealth in a new way. It has spawned many imitators and brought lifestage investing into the mainstream in Australia (2006 - 07)- Head of Westpac Financial Planning Product & Research. Revamped Westpac FP's Approved Product List and Model Portfolios. Managed a team that researched fund managers, structured products and created a share proposition for planners. Developed regular reporting on performance and products and presented at roadshows and PD days. (2004 - 2006)- Led the Product Stream of Project Sunrise, which revamped Westpac Financial Planning. Developed Westpac's badged wrap and introduced fee for service replacing a popular upfront nil entry fee commission product. Presented this at numerous roadshows to difficult audiences (2003 - 2004)- Developed the BT Partner Series of funds, BT's first ever sub-advised funds, which were based on style investing. Made fund managers that were only accessible institutionally to retail investors (2002)- Led the product stream of the team that revamped BT's Wrap platform and launched BT's IFA Wrap. Then led the team that distributed IFA Wrap and temporarily led all Wrap Sales staff. Developed a new FUM based pricing proposition, new internet screens and transactions and fund manager list for IFAs.(2000 - 2002)- Various product development assignments including shutting down a fixed term annuity, creating the SPIN, developing a premium cash fund and developing electronic employer contribution methods (1998 - 2000)

Managed a portfolio of retirement products, including super, pension and annuity products.Highlights- developed Advance Fixed Term Pension- developed St.George RSA which doubled as an ERF- pioneered the use of BPay as a means of contributing to superannuation- doubled the number of investment options in Advance's retirement and PST products

Member of financial services legal team - specialising in superannuation.

Administration of corporate superannuation funds (aka 401k plans)

Company Director'S Course, Directorship

Law, Law

Economics, Industrial Relations And Economics

Hsc