Principal and business owner of ANZ Mortgage Solutions St Ives /Lane Cove a proprietary mortgage origination channel for ANZ. I have managed this business for over 12 years and specialise in delivering optimal property financing solutions to clients.

Appointed CFO on the merger of Baycorp Holdings and Data Advantage in 2001, to form Australasia’s principle Credit Bureau.1) Member of Top Team driving performance, integration, business transformation and strategic direction of the newly merged businesses.2) Developed and implemented effective performance measurements and financial and risk reporting systems for the merged group at business unit, leadership team and board level.3) Lead development of strategic plan with focus on increasing the market position and ROCE of the core credit bureau and receivables management businesses and restoring to health or exiting non-core businesses. 4) Developed, obtained Board approval & implemented the group’s capital management strategy including target ROCE’s for group and business units, dividend policy, gearing and interest coverage targets.5) Analysed business growth & investment opportunities including acquisitions, mergers and strategic alliances, completed due diligence and presented recommendations to the Board6) Reported half year and full year financial performance to the market and media with greatly improved transparency around the key value drivers of the business7) Cleaned up the balance sheet and profit and loss reporting to reflect the resolution of a large number of significant pre-merger legacy issues including the write down of goodwill on consolidation, litigation settlement and associated legal costs and prior period adjustments. These actions position the group to significantly grow future EPS

Responsible for the financial performance of the Corporate & Institutional Bank including capital allocation, pricing, performance reporting, risk, strategy. Products include corporate lending, structured finance, financial markets, property finance, risk, securitisation. Also, responsible for the financial performance of Westpac’s international businesses including NZ & AsiaMajor accomplishments include:1) Implementation of a customer based profitability model (5,000 major customers) to maximize customer and shareholder value, and the successful development and implementation of a value based management system and incentive compensation system. These innovations resulted in a significant increase in ROE 2) Developed and implemented a strategy for the Asian businesses to reduce risk, cut costs and grow revenues. This was accomplished in the context of the Asian crisis in 1998 and involved the sale of banking operations and assets in Singapore, Hong Kong, Japan and emerging Asian markets3) Developed corporate lending strategy to maximize return on capital and increase penetration of banking products4) Implemented an enhanced CRM system and integrated with customer profitability reporting, to maximize customer value add for bank’s corporate & institutional customers5) Developed an extensive banking/corporate network and a strong understanding of the Australasian corporate & institutional market

Key accomplishments:1) Established AEOCC as a new listed international funding vehicle for American Express’ international businesses to provide guaranteed availability of funding at the lowest cost and to maximize tax benefits. The company achieved and maintained a AA credit rating2) Introduced AEOCC to the London, New York and European markets and raised over US$7.0 b in a mix of short and long-term debt & currencies.3) Led over 20 initial public offerings (IPO’s) on London, Frankfurt, Milan & Tokyo stock exchanges4) Developed and implemented a global foreign exchange management system to deliver over US$120m annual foreign exchange profits. This achievement significantly enhanced the profitability of the International Card Business5) Led the analysis, negotiation and successful implementation of strategic alliances in the UK, Italy, France, Spain, Portugal, Taiwan and Ireland6) Developed a new pricing strategy to maximize the Amex network’s premium over the competition(Visa, MC)7) Developed the European strategic plan for the merchant business and the AMEX network8) Member of the Finance Executive Team which managed Amex TRS’ financial strategy internationally9) Initiated and maintained bank and investor relationships for the AMEX business in EMEA10) Managed AMEX TRS corporate finance and M&A activities in Europe including the sale of the consumer banking operation in Germany, the sale of Travellers Cheque businesses in France and Switzerland to joint venture companies and the purchase of international travel & FX businesses from Thomas Cook12) Led implementation of the new strategy for Consumer Financial Services internationally based new/ existing banking licenses including product economics, risk, pricing and marketing strategies13) Developed a new risk management system for the EMEA region.14) Developed the investment strategy and managed American Express’ European investments for its Travelers Cheque business totalling over US$3 b.