Rhyll Gardner Faicd Ffin Email & Phone Number

Australia

Rhyll is an active and experienced non-executive director. This is built upon 35 years of senior executive experience in banking and finance with top ASX listed banks - St.George, Westpac, BOQ and Suncorp reporting to boards, along with 15 years of board and committee experience across finance, education, and professional servicesShe brings a deep understanding of the operational aspects in finance and lending as a seasoned business leader. Her executive background is broad and covers risk management, product management and development, marketing, distribution, strategy and M&A as well as p&l responsibility across large geographies and dispersed workforces. Major achievements include building a value at risk model, growing a challenger brand in a new geography, leading a $400m acquisition and digitising a lending operationA lot of her background is in finance and this extends to the complex regulatory environment that brings (working with regulators). In her board career she has been instrumental in or overseen turnarounds, high growth, challenger positioning as well as voluntary wind up. She is a generalist with a particular contribution in finance, strategy and strategic thinking - seeing the big picture as well as the traps in execution. She has been part of CEO exits, moving to new business models, start-ups, growing through acquisition as well as closing businessesShe has chaired and been a strong contributor on Audit, Risk and Finance Committees and People and Culture Committees and overseen Audits and the complexity of the risk agenda as well as people issues that have required board attention. Rhyll stays current and close to the latest issues and business trends through being the Chair and mentor of a CEO peer-advisory group.

Australia

BankVic exists to strengthen the communities which we serve. We aim to build healthy communities that are financially, socially and environmentally sustainable. It's these beliefs that drive our work and underpin our certification as a B Corp.

Queensland, Australia

For over 50 years, the Nucrush Group's two divisions, Nucon Concrete and Nucrush Quarries have been unearthing, sourcing and supplying a wide range of concrete, rocks, sands and decorative stones for residential, commercial, governmental and infrastructure projects in and around Southeast Queensland and Northern New South Wales.The Nucrush Group values healthy, happy communities, so we give back to the regions where we all work.

Australia

InterFinancial is an independent specialist in growth consulting and mid-market transactions.InterFinancial’s team is committed to building shareholder value – whether that is by creating practical plans and support for business growth or sale, or crafting transactions that deliver long term value.We specialise in growth consulting and transactions in the $AU20m-$250m range, but we can also help businesses outside that segment, by referring you to trusted and experienced partners.We help businesses with growth consulting, mergers and acquisitions, growth capital.

Sydney, New South Wales, Australia

Listed on the Australian Stock Exchange, Identitii (ASX:ID8) is a young Australian company helping some of the biggest global financial services companies reduce the horrible effects of money laundering and terrorist financing.Today, most financial transactions are still processed on old technology, making it very difficult for banks, money transfer companies, casinos (and more) to fully understand everything they’re doing with their customers.Our cloud-based platform solves this problem, giving our customers visibility into every transaction they process, and reporting them to AUSTRAC and other government agencies around the world.

Foodbank is Australia’s largest food relief organisation, operating on a scale that makes it crucial to the work of the front line charities who are feeding vulnerable Australians. Foodbank provides more than 70% of the food rescued for food relief organisations nation-wide.

National

Formerly Innovation and Business Skills Australia. Established in 2004, the IBSA Group is a not-for-profit organisation with an enduring mission to work with industry and government to strengthen the effectiveness and impact of the vocational education and training (VET) system. Since its inception, IBSA(now reconstituted as MISA) has supported the skills needs of employers across a range of industries that contribute significantly to the Australian economy. They include manufacturing, business and financial services, information and communication technology, tourism and hospitality, and the VET sector itself. IBSA/MISA delivers:Nationally endorsed qualifications and skill setsExpert intermediary services for workforce skillingSkilling solutions to boost capability, productivity and profitabilityRobust advice and information to government and industryInnovative, user-friendly support resources for trainers and studentsNetworking opportunities and workshops to enhance professional practice.Governance, Strategy, Finance, Risk Management, Training, Workforce Skilling, Innovation.

Melbourne, Australia

Facilitator of a Joint Venture between Bendigo Bank and NFP Organisations. A bank for Not-For- Profits and community organisation

Community Sector Banking was merged into Bendigo and Adelaide Bank in March 2020

Australia

Strategy, Human Resources, Business Development, Microfinance, Business Lending, Funds Management, Leadership, Impact Investing, Digitisation, MarketingForesters Community Finance LtdSocial Investment Australia LtdForesters Group is a profit-for-purpose financial intermediary providing micro loans to the financially excluded, loans to social enterprises and impact investing opportunities. The company traces its origins back to the Friendly Society movement of the 1850, building the prosperity of the community by connecting people to help each other. Foresters provides innovative loans to individuals, social enterprises and non-profit organisations to improve their financial capacity and resilience. Foresters holds an Australian Credit License (ACL) and an Australian Financial Services License (AFSL) and manages and develops funds for social impact investors to provide an blended financial and social return.

National

General Management, Retail & Business Banking, Strategy, Business Strategy, M&AExecutive leadership of the $400 Mill acquisition of Investec businesses in 2014 including valuation, due diligence, preparation of documentation and board approval in conjunction with the equity raisingExecutive leadership of a comprehensive Retail Distribution Study including customer segmentation of retail and small business customers, analysis of channel profitability (including corporate owned and owner-managed) and financial modelling of the desired distribution configuration and network changes.Developed a new framework to review strategy for the Executive Committee and the Board to increase engagement in the strategic process through the whole year.Led teams to investigate and evaluate merger and acquisition opportunities – capturing maximum value through an understanding of debt and the identification of strategic opportunities to enhance corporate performanceEstablished and led the strategic capability for BOQ including building a team, creating templates, process and disciplines in the strategic spaceEstablished and led a Digital/SMAC (Social, Mobile, Analytics and Cloud) pilot and proof of concept to prove out applicability to the business, educate and map the journey for the BOQ Group following a study tour to the US to review opportunities

National

Lead the St.George division strategic function and project management office (PMO) as General Manager• Established the strategic capability for St.George to enable the division to function and compete for investment in the WBC Group environment through targeted recruitment and the introduction of strategic disciplines in research, thought leadership and presentation• Built the project governance disciplines and practice for St.George in line with Group requirements by identifying gaps between the business practices and best practice, and monitored adherence to the governance standards• Led the annual strategic planning and development process, review, communication and development to set the 3 year strategy for the St.George division in 2010 and 2011• Identified a $200mill revenue opportunity for the Westpac Group with Wealth Management in St.George. Established a Steering Committee and built a cooperative approach based on best practice to achieve this revenue• Produced and syndicated a fact book for Western Australia demographics and identified opportunities for the under-scale Western Australian operations of St.George. Influenced and communicated with line management to go beyond the obvious lack of presence to leverage the competitive advantages of the banking business in that geography and introduce a new approach to affluent customers

Brisbane, Australia

General Manager with overall executive responsibility for the St.George brand, expansion and growth in market share in Queensland across retail and business banking across all channels. Direct responsbility for the network, brand management, people management, sales management, business development and new sites.• Grew total footings in Queensland >10% each year over the 4 years, presence was increased from 18 to 30 branches and ATMS from 48 to 104 through strategy formulation, careful site selection, targeted recruitment, people and sales management• Managed a $20 Mill Cost Budget with a 7.5% reduction achieved in 2009 through targeted and disciplined expense management• Increased lender cross sell and improved branch productivity to be the benchmark in retail banking through focussed sales management, optimal lender recruitment practices and on-boarding, • Led a specialist sales force to increase Financial Planning lodgements 55.2% to be the top Financial Planning team in 2007 and 2008.• Halved staff turnover from 30% to 15% and absenteeism managed below the company average of 6.6 days through visible leadership, the introduction of more flexible work practices, focus and measurement.• Identified and built strategic partnerships and sponsorships to build the brand and goodwill in Queensland.

New South Wales, Australia

General Manager of a large retail banking network - 100 branches offering the full spectrum of personal and business banking.• Improved lender productivity from 2.4 to 2.8 loans per week (17% uplift over 12 months) and lender cross sale improved to 60% through sales management disciplines and structural augmentations• Improved staff satisfaction from 44% to 58% More than Happy and voluntary turnover reduced from 23% to 20% over 12 months through approachable leadership and communication• Developed and implemented a business strategy for Northern NSW with a focus on sales disciplines and customer advocacy

National

General Manager responsible for building the St.George Business Bank• Product penetration increased from 2 to 3.92 products per customer through the development of infrastructure, measurement and people tools resulting in revenue growth in a previously sales and distribution focussed business• Instigated a strategy of putting the customer at the centre of product development and management resulting in Corporate & Business Bank customer satisfaction increasing from 68% to 80% More than Happy and St.George was consistently rated No. 1 for satisfaction in innovation, quality of people, relationship management, internet banking and cash management by external benchmark surveys• Achieved a Top 10 Gallup Score for 2 consecutive years through the recruitment and development of a motivated and high performing team• Built an award winning brand in business banking through below the line marketing, PR and Awards - Business Bank of the Year 2004 (CFO Magazine), Best Commercial Bank 2004 (Asiamoney Magazine), Business Banking Website of the Year 2004 (Personal Investor Magazine) and Business banking market share doubled from 3% to 6.3%• Fostered and grew the Key Account Relationship Management philosophy. Delivered and embedded a product focus

National

Sydney, Australia

Planned, developed and built systems, models and infrastructure for a risk management platform across market, credit and operational risk for Treasury & Capital MarketsInstigated and project managed the implementation of St.George Bank's first Value-at-Risk (VAR) systemHosted, presented to and responded to questions from the regulatory body (APRA) each year. Achieved official recognised model status for the risk management model and systems that I built

Global Executive Mba

M App Fin, M A

Bachelor Of Commerce - Bcom, Bachelor Of Economic - Becon

Asialink - Leaders Program

61St International Banking Summer School