Reporting to the Chief Risk Officer and responsible for: - Developing, implementing and embedding governance, reporting oversight of material risks to the Executive Leadership Team, Audit Risk & Compliance Committee and the Board.- Integration of risk management and compliance considerations in key decision making to support Moneytech’s strategic objective. - Development of risk management policies, risk appetite, risk culture and behaviors as well as risk ownership and assist with operationalization and implementation across the organization.

Project Resource ( 3 months) for the Westpac Risk Analytics and Insights team /IFRS 9 Risk Reporting Completion Project focused on streamlining and improving the technical content in monthly key Risk Measurement Artefacts encompassing Expected Credit Loss & Risk Weighted Assets.Credit Risk Measurement artefacts are critical reports used by Senior Stakeholders to enable decision making. Content uplift included:• Strategic framework recommendations ( blueprint) for report contents;• Process efficiency recommendations for metric production;• Simplification and improvement in data visualization of key insights. • Utilization of industry best practices in the design of content for critical reports; • Recommendations for content uplift to improve decision making; • Stakeholder management including endorsement of proposed content changes.

Reporting directly to the General Manager Credit Risk Strategy my responsibilities include:Governance and ownership of: - Judo’s Credit Risk Grading System; - Judo’s Credit Risk Engine ( encompassing calculations for Risk Weighted Assets, Expected Credit Loss, Credit Stress Testing and Enterprise Stress Testing); - Methodology for measurement of Judo's expected credit losses (loan loss provisioning);- Collateral Spreading Methodology; - Judo's interpretation for Credit Risk Weighted Asset requirements.- Business Owner of Judo's Credit Risk Data Mart. Responsible for the quality and timeliness of management, Board and Regulatory reporting for credit risk measurement.

Reporting directly to the Chief Risk Officer, my responsibilities include:Governance and ownership of: - Judo’s Credit Risk Grading System; - Judo’s Credit Risk Engine; - Methodology for measurement of Judo's expected credit losses (loan loss provisioning), - Credit Stress Testing; and - Judo's interpretation for Credit Risk Weighted Asset requirements. Responsible for Judo’s Credit Risk Policy architecture including delivery, governance and change management of both Judo's Credit Risk Management Framework and Judo Lending Guidelines.Responsible for the quality and timeliness of management and Board reporting for credit risk and second line oversight of regulatory reporting impacting Credit Risk.

Risk Acquisition Manager May 2017 – January 2018Reporting to the General Manger of Credit Risk, I am accountable for the credit risk assessment of Telstra customers balancing the drive for revenue growth and customer advocacy against the need for reduction in bad debt.Leading a team of seven specialists in the ownership of residential (consumer and sole trader) acquisition scorecards, commercial decisioning, procurement financial risk assessments, credit frameworks and solutions to assess and mitigate credit risk at the point of acquisition.Responsibilities include:• Leading the development of best in acquisition class scorecard models, frameworks and their associated implementation.• Owner of Vendor relationships with Credit Bureau Providers related to acquisition services for Telstra. • Together with the Business Units deliver the annual targets related to Bad Debt Expense.• Deliver accurate and insightful reporting for bad debt and associated KPI’s associated with acquisition and on boarding performance including application volumes, approval rates and scorecard effectiveness. • Delegation for Credit Approvals for purchase of Telstra Business Systems, limits for licensed stores and increase in customer payment terms ensuring SLA’s are met.• Co ordinating seasonal increase in Telstra’s closed buying model credit limits to assist with major product releases ( eg annual Iphone release)• Develop and maintain processes/frameworks to ensure that the credit risk ratings used within the Telstra Risk grade framework are fit for purpose.• Ensure that the process and execution of formalised customer arrangements and associated security documents ( eg Bank Guarantees, PPSR registration) are completed.

My Responsibilities included:Leading the Model Monitoring, Credit Data Advisory & Governance teams. Team of 11 staff ( 3 direct/ 8 indirect).Developed model monitoring capability described by our external regulator as "best in class" to ensure ongoing appropriateness of the outputs and usage of the non retail credit risk models - model ownership.Built model development prioritisation process which actively engaged with the business to ensure prioritisation process for new model developments was comprehensive, transparent and well communicated.Developed appropriate information to help manage the demand and capacity of the model development teams, supporting the prioritisation process. Project Management of regular visits from our regulator in relation to our Internal Ratings Based Accreditation. Governance of the Delegated Authority for Credit Risk Models, Systems & Data.Data Steward for Credit Risk Modelling and Measurement. Overview of Credit Risk Data and Data flows within various systems to provide capacity to overview credit risk measures for their comprehensiveness accuracy and appropriate use. Relationship owner for Global Credit Data Consortium.

Member elected Trustee Director of National Australia Bank Group Superannuation Fund. A corporate superannuation fund with approximately 34,000 members and net assets of $3.4 billion.

My Responsibilities includedLeadership of a team of 15 staff ( 8 direct / 7 indirect) Ownership and full business oversight of Data Warehouse assets and Management Performance Reporting for Wholesale Bank (now Products and Markets)Management of the Wholesale Bank monthly Basel II Credit RWA operations to ensure the integrity of the RWA calculation for Regulatory reporting.Represented Data Management on Governance committees including Project Advisory Groups, Risk Weighted Assets Process Committee, Regulatory Capital Working Group and Data Warehouse Prioritisation committee ensuring that changes were properly introduced and that impacts to Data Management were appropriately considered and managed.Managed the investigation of data quality issues and drove solutions to improve data quality to improve internal and external reporting.Established engagement model to ensure appropriate interaction and communication to deliver quality day to day operations for Data Warehouse services.

Maternity Leave Secondment - My responsibilities included:Responsible for day to day Operations Management for Group Strategic Business Services(SBS) staff in Australia – 21 staff between Melbourne and Sydney together with providing limited support to UK Group SBS team. Strategic Business Services are responsible for the exit and retention strategies of customers that have defaulted or considered unlikely to repay.Prepared high quality Board reports in relation to Categorised Assets.Provide high quality and regular reports to the General Manager Group SBS on the profile of portfolio under management including provisioning, portfolio composition and capacity planning.Business Unit Efficiency Quality and Service (EQS)– Champion driving new initiatives and policy changes to ensure efficient management of categorised assets.Management of General Managers Group SBS Delegated Commitment Authority (DCA) sub-delegations across all geographical regions to ensure SBS regional DCAs (Australia, New Zealand, UK and US) were current, relevant and meet accreditation requirements. Delegated Commitment Authorities are sub delegated from the Principal Board via the Managing Director and Group Chief Executive Officer they are allocated on a personal basis to accredited SBS staff to make decisions on credit applications and approve specific provisions and write offs.Embedded Risk Manager responsible for management and oversight of Group SBS Operational Risk Profile.Provide assistance to Impaired Asset Managers with maintaining and updating customer level data in our systems of record to optimise RWA and provisioning outcomes. People Leadership including responsibility for Graduates within Group SBS Review and maintain performance management framework for Group SBS.

My responsibilities included:Leadership of a team of seven staff encompassing permanent employees, project resources and contractors. Support the Leadership and co-ordination of resources required to implement Credit Decisioning capability in order to realise the Next Gen Lending Target Operating Model Core Banking Platform replacement. Responsibility for providing input into the finalised credit design as it relates to the broader lending stream, and ensuring that all interdependencies with other streams as well as the broader risk and business stakeholder groups are managed appropriately.Responsibility for initiating, managing and closing the program of work and all processes such as project quality, stakeholder managements, people leadership and knowledge harvesting.Adhoc support to colleagues in the broader lending teams and Next Gen program of work including:• Business Requirements review;• Process reviews; and• Design and Functional specification reviews.

Member Elected Trustee Director of Corporate Superannuation fund

My responsibilities included:Working with projects and stakeholders using Business Analyst Skills to identify and implement acceptable solutions to manage credit risk including:• Key Credit Stakeholder in development of new platform for credit assessment for business lending - eNterprize platform.• Assistance with implementation of the Basel II regime including development of a fixed and floating charge calculator for extension of Bank Value.• Assistance with NAB's application for Retail SME accreditation to APRA.• Project managed tactical delivery of the revised commercial property survey in accordance with APRA ARF 230. Provide segue way into Credit Risk Management for new initiatives in the Australian Region.People leadership and Stakeholder managementPreparation and/or review of project business requirements for various projects.Review of various credit training material – subject matter expert.Involvement in review of probability of default (PD), Loss Given Default (LGD) and Exposure at Default (EAD) models. Assistance with change management activities for projects – Credit StreamReview of Risk Management Documents as applicable

My responsibilities included:Developing Regional specific policy and procedures to comply with Global Credit Policy by researching and consulting with relevant stakeholders and interested parties.Communicating and maintaining current information in Australian Credit Policy and Procedures.Worked with projects to advise on credit policy and procedural issues and assisted in identifying and implementing acceptable solutions for policy compliance.Provided support to credit related business units, accurately interpreted credit policies and procedures and provided policy ruling and decisions

My responsibilities included:Managing and developing a portfolio of business customers with borrowings between $250K and $2M;Identifying new prospects and maximising sales/referral opportunities;Ensuring that both asset quality and customer service were of a high standard.

My Responsibilities included:Manage and develop a portfolio of business customers with borrowings of less than $250K;Sale of business, term life and income protection insurance;Identify new prospects and maximise sales/referral opportunities;Ensure that both asset quality and customer services were of a high standard.

Various roles within NAB ranging from batch clerk, ledgers, teller, security clerk and in excess of 10 years as a Business Banking Officer/Business Managers Clerk –working on various portfolios including those with business customers with borrowings of up to $10M.Professional Excellence Award won June 1995.

My Responsibilities included:Invoicing and debtor collections;Accounts payable;Compiling monthly accounts;Fringe Benefit Tax issues;PAYG administration;Superannuation Guarantee compliance;GST compliance;Workcover administration.