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Business structure - Our company
Business structure
The Australian division caters for the bank's retail, commercial and wealth management customers in Australia.
The Retail businesses are responsible for delivering a range of banking products and services to retail customers, while Commercial services small to medium enterprises through to smaller corporates. The division also has a dedicated wealth management business designed to meet the needs of high net worth individuals. Specialised businesses Esanda and Agribusiness ensure the division is well placed to help customers enjoy more convenient banking while supporting local business to grow.
The division is led by Graham Hodges.
Retail Distribution
Includes management of the extensive national branch network and specialist sales staff servicing retail customers.
| Led by Managing Director Louis Hawke |
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 Louis Hawke Managing Director - Retail Distribution Australia and New Zealand Banking Group Limited Louis Hawke is Managing Director of Retail Distribution. The Retail Distribution business includes the Australian Branch Network (824 branches), the Australian Call Centre and Specialist Business and Direct Channels. Previously Louis was Managing Director of Retail Banking. This role included responsibility for the retail deposits business, which comprises ANZ's consumer transaction, savings and investment accounts, including Esanda Debentures. He was previously General Manager NSW/ACT for Retail Banking, which saw him responsible for the operation of the branch network in Sydney, ACT, Wollongong and Newcastle. Prior to joining ANZ, Louis was Managing Director of Avco Financial Services, responsible for the Australian and New Zealand operations covering consumer, insurance and commercial businesses with 1300 staff and 162 consumer and commercial branches. Louis has also held the position of General Manager Commercial Banking at Advance Bank. Louis holds a Bachelor of Economics (Hons) from the University of Western Australia and an MBA from the Australian Graduate School of Management. Key datesOctober 2008 November 2005 October 2002 Last updated: October 2008 |
Retail Products
Responsible for delivering a range of products including credit cards, mortgages, transaction banking, savings and deposits and personal loans.
| Led by Managing Director John Harries |
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 John Harries Managing Director - Retail Products Australia and New Zealand Banking Group Limited John Harries is Managing Director, Retail Products. The Retail Products business covers deposits, credit cards, mortgages and personal loan products. Prior to this John was Managing Director, Consumer Finance where he was responsible for Consumer Cards, Commercial Cards, Personal Loans, Merchant Services and ATM businesses, ANZ's call centres and online banking. Previously John was responsible for Banking Products and management of ANZ's consumer brand marketing. Under his leadership, funds under management across ANZ's deposits product portfolio consistently grew above the industry average. Before leading Banking Products, John was the General Manager, Retail Mortgages where he oversaw record growth and sales for ANZ's Australian mortgage products. John has a strong product, marketing and project background. This includes managing product marketing for all retail banking products, and leading the marketing agenda for the banking and property businesses at Town & Country in WA prior to ANZ's acquisition in 1990. He held senior roles with the Challenge Bank Group and was responsible for managing the ASX listing and the conversion of Perth Building Society, Hotham Building Society, Trade Credits Ltd and National Permanent Finance Corporation into Challenge Bank. John holds a Bachelor of Commerce from the University of Western Australia. Key datesOctober 2008 March 2008 June 2004 1998 1997 1996 1988 1988 1996 1986 Updated: October 2008 |
Commercial Banking
Delivers customers solutions for the Commercial market through dedicated managers focussing on Business Banking, Small Business and Commercial/Agri segments. It also includes Esanda Finance, one of Australia's leading asset finance companies.
| Led by Group Managing Director David Hisco |
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 David Hisco Group Managing Director - Commercial Banking 100 Queen Street David Hisco is Group Managing Director Commercial Banking. Commercial Banking covers Business Banking, Small Business, Esanda and Commercial/Agri segments. Previously David was Managing Director of Esanda, Australasia's leading provider of asset finance. David joined Esanda from ANZ's Personal Division where he was Managing Director, Retail Banking. Prior to this, David was Managing Director of ANZ Consumer Finance's Merchant Payments business for Australia and New Zealand. David's appointment to Commercial Banking is not his first experience with the business, having held a variety of management roles in Business Banking from 1985 to 1993, and senior finance company roles including General Manager UDC (1998-2000). David holds a Bachelor of Business (Accounting) from Deakin University, a Graduate Diploma in Business Administration from Monash University, and an Executive Masters of Business Administration from Monash University (Mt Eliza). He is a past recipient of the FINSIA annual scholarship. He is a founding Director of the charity Second Bite, a Fellow of the Financial Services Institute of Australasia and an Associate of the Australian Society of Accountants. Key datesOctober 2008 December 2005 December 2004 October 2002 February 2000 January 1998 September 1996 Last updated: October 2008 |
Wealth
Comprises three substantive businesses catering for high net worth individuals:
Investment and Insurance
Responsible for ANZ's wealth management products and services including E*Trade, Financial Planning, Insurance, Margin Lending and ANZ Executors & Trustees.
| Led by Managing Director Geoff Cohen |
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 Geoff Cohen Managing Director - Investment & Insurance Products Australia and New Zealand Banking Group Limited Geoff Cohen is Managing Director of Investment & Insurance Products. In this role, he is responsible for developing and managing ANZ's wealth management products and services including Financial Planning, ANZ Trustees, Margin Lending, Insurance, online broker E*TRADE and ANZ's joint venture with ING Australia. Geoff joined ANZ in February 2004, as Group General Manager, Mergers & Acquisitions in Group Strategic Development. Prior to this, Geoff worked for Deutsche Bank and various other advisory firms specialising in Mergers and Acquisitions. Geoff was also a member of the Steering Committee overseeing the inaugural Adult Financial Literacy in Australia survey undertaken by ANZ in 2003. Geoff has a Bachelor of Science and a Bachelor of Law (Hons) from the University of Melbourne. Key datesAugust 2005 February 2004 June 2001 January 1998 January 1996 November 1991 Last updated: November 2007 |
Private Banking
Servicing individuals and family groups, Private Bank assists customers to manage, grow and preserve their assets. Offering clients a range of financial solutions, from traditional banking to innovative investments and financial planning.
| Led by Managing Director Catherine McDowell |
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 Catherine McDowell Managing Director - Private Banking New Zealand and Australia. Australia and New Zealand Catherine is the Managing Director for Private Banking, New Zealand and Australia. Private Bank caters for ANZ's Highest Net Worth individuals and family groups, assisting them to manage, grow and preserve their assets. Catherine has spent a considerable amount of her career in the Wealth Management business. She joined Barclays Bank after graduating and has held a wide variety of roles including stockbroker for Barclays Capital in New York, Head of Investor Relations for the Group and Director of Barclays Private Bank. More recently, Catherine was Managing Director for Barclays' International Division with responsibility for businesses in over 15 countries globally. Key datesOctober 2008 January 2008 June 2006 April 2006 1978 Last updated: January 2009 |
ING Australia
Joint venture between ANZ and ING Group provides integrated manufacture and distribution of wealth creation, management and protection products and services aligned to ANZ distribution and the open market.
- Led by Harry Stout
Other members of the Australia senior team include:
| David Lindberg - Managing Director, Strategy, Marketing & Customer Segmentation |
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 David Lindberg Managing Director, Strategy, Marketing & Customer Segmentation, Australia. Australia and New Zealand David Lindberg is the Managing Director, Strategy, Marketing & Customer Segmentation for ANZ's Australia division. He is responsible for leading Strategy and Marketing for ANZ's Retail, Commercial, and Wealth businesses. Prior to joining ANZ, David was a Vice President and Head of Australasia for First Manhattan Consulting Group (FMCG), a leading strategic consulting firm to the financial services industry. At First Manhattan, David advised many of the largest US and global banks across most major financial services lines of business. David was also invited to speak at major conferences in the US and Asia. David was based primarily in New York and Melbourne. Prior to joining FMCG, David was a consultant in AT Kearney's Financial Institution's Group. David holds an HBA in Economics, graduating with honours and distinction from the University of Western Ontario. Key datesOctober 2008 July 2008 February 2006 April 2005 June 1999 Last updated: October 2008 |
| David Curren - General Manager Operations Australia |
|---|
 Dave Curren General Manager, Operations Australia. As General Manager Operations, Dave is responsible for all processes that deliver products and services to Australia's Retail, Commercial and Wealth customers. Dave also has responsibility for ANZ's approach to Retail Operations globally. Prior to this role, Dave was the Managing Director of Operations Services, Personal division. In this role, he was responsible for the delivery of all Retail Operations functions including credit assessment, fulfilment, servicing and collections. A Lean Six Sigma Master Black Belt, Dave also developed ANZ's Lean Six Sigma program. Prior to joining ANZ in 2005, Dave held a number of executive roles with Bank of America and Lender's Services in Pennsylvania, US. Dave also spent 20 years working with GE in the US, UK and Australia. His roles with GE Capital included Managing Director, Mortgages (UK) and Managing Director, Housing Loans Insurance (Australia). Dave has a Master of Business Administration from The University of Carolina and holds degrees in Biology and Political Science from Kalamazoo College, Michigan. Key datesOctober 2008 June 2005 2003 2001 2000 1997 1998 1994 1989 Updated: October 2008 |
| Sonya Clancy - General Manager Human Resources Australia |
|---|
 Sonya Clancy General Manager, Human Resources, Australia. Sonya is General Manager of Human Resources for Australia. Sonya has over 20 years executive experience in corporate strategic human resources in the pharmaceutical industry and financial services, and holds a Bachelor of Arts degree. Prior to her current role, Sonya held a number of senior Human Resources positions, including Head of Human Resources for the Personal Division and Head of Human Resources for Operations, Technology and Shared Services. Since 2005, Sonya has been Chairman of The Big Issue, an independent magazine sold on Australian streets by vendors who are either homeless or unemployed. As part of this, Sonya is also Chairman of the Homeless World Cup, which was held in Melbourne in December 2008. Key dates2008 2004 2002 2001 1996 Updated: October 2008 |
| Chris Karopoulos - General Manager Technology Australia |
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 Chris Karopoulos General Manager - Technology Australia Australia and New Zealand Chris Karopoulos is General Manager, Technology Australia. In this role, Chris is responsible for providing technology solutions to meet the needs of ANZ's retail, commercial and wealth management customers in Australia, wealth management customers in New Zealand and leading technology strategy and solutions for retail and commercial businesses across ANZ globally. Chris joined ANZ in April 2007 as General Manager of Personal Technology. His IT and senior management experience includes managing global teams, large IT projects and change management programs in the banking, aviation, consulting and government sectors. Prior to joining ANZ, Chris was a Principal consultant at Reveal Group and played a key role in lifting the efficiency of call centre operations at Suncorp. Chris has also spent more than three years in senior technology roles at the National Australia Bank, where he held IT responsibility for all distribution focused parts of the business. A strong focus for Chris is customer engagement and providing solutions that make a real impact for customers, through initiatives including E-commerce, customer relationship management systems and call centre productivity. Chris holds a Bachelor of Accounting and Bachelor of Computing from the Phillip Institute of Technology and a Graduate Diploma in Applied Science from Monash University. Key datesOctober 2008 April 2007 Updated: October 2008 |
| Jon Hogan - Chief Financial Officer Australia |
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 Jon Hogan Chief Financial Officer, Australia Jon Hogan is Chief Financial Officer for Australia. He is responsible for all aspects of financial management and business performance across the division. Jon joined ANZ from first direct in the United Kingdom (a subsidiary of HSBC Group), where he held a number of positions including Finance Director, Chief Operating Officer and Deputy Chief Executive Officer, with responsibility for finance, analytics and all aspects of strategic change. Prior to joining first direct, Jon was Head of Group reporting at Bradford & Bingley, after spending several years as a Management Consultant with Ernst & Young. In his time at Ernst & Young, Jon delivered performance management and business transformation solutions across many industries, though specialising in personal financial services. At the start of his career, Jon worked in a variety of management accounting positions for BG International and Courtaulds. Jon has a Bachelor of Arts (Honours) in Accounting, is a Chartered Accountant and has a Masters of Business Administration from Henley Management College in the United Kingdom. Key datesOctober 2008 July 2008 June 2006 June 2005 November 2003 August 1996 Updated: October 2008 |
| Mike Cutter - Chief Risk Officer Australia |
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 Mike Cutter Chief Risk Officer Australia and New Zealand Mike Cutter is Chief Risk Officer Australia. Mike's role is to ensure ANZ's risk management framework is effectively embedded and appropriately managed in partnership with each of the Australia businesses. Mike joined ANZ from GE Money where he was President and CEO of GE Money Australia and New Zealand. Mike has held a number of senior positions at GE Money including Managing Director GE Money Direct A&NZ and Vice President Portfolio Management, GE Money A&NZ. Prior to this Mike held positions at NAB as Head of Marketing and Risk Consumer Cards and as Chief Operating Officer at Halifax/BankOne Credit Cards. Mike started his career at GE Money in a number of risk roles including Vice President Risk Management at GE Money Global, Head of Risk & Portfolio Management at GE Capital (Aus) and Head of Risk GE Money Europe. Mike has been a Director of the Australian Finance Congress from 2006 to 2009 (Chairman 2007) and Director of the Women's Cancer Foundation since 2006. He is also on the Editorial Board of Human Resources published by Lexis Nexis and a past Editorial Board member of Credit International magazine. Key datesMay 2009 2006 2004 2002 2001 1999 1998 1995 1993 1987 Last updated: May 2009 |
- Rhonda Day - Customer Advocate
Our New Zealand division, ANZ National, operates across the entire spectrum of financial services and comprises some of New Zealand's best known financial brands encompassing ANZ, The National Bank of New Zealand, UDC Finance, EFTPOS New Zealand, Bonus Bonds and Direct Broking. ANZ National is also a joint venture partner with financial services company ING.
ANZ New Zealand is led by Jenny Fagg.
New Zealand businesses:
ANZ Retail Distribution
ANZ Retail Distribution encompasses the Personal, Business Banking, Mortgages, Brokers and Alliances divisions for the ANZ brand in New Zealand.
| Led by Wayne Besant |
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 Wayne Besant Managing Director, ANZ Retail Distribution ANZ National Bank Ltd Wayne Besant is Managing Director of ANZ Retail Distribution in New Zealand. ANZ Retail Distribution encompasses the Personal, Business Banking, Mortgages, Brokers and Alliances divisions for the ANZ brand in New Zealand. Wayne was previously General Manager ANZ Distribution, a role he held since 2003. Highlights of Wayne’s time in this role include his contribution to the turnaround and rebuilding of the ANZ brand in the New Zealand market. Prior to this he led the Business Banking and Rural business as Head of ANZ Business (NZ) for three years. Over his career, Wayne has built a strong foundation in both the personal and business banking segments. He joined ANZ in 1987 at the Panmure Branch in Auckland. Wayne has a Master of Social Sciences (Hons) and also a Master of Business Administration (Distinction). He is a Fellow of the Financial Services Institute of Australasia. An avid sports follower, Wayne recently completed a three-year term on the Board of Tennis New Zealand. Key dates1 October 2008 14 September 2006 July 2003 June 2000 1987 Last updated: October 2008 |
Rural
ANZ National is New Zealand's leading provider of rural banking services.
| Led by Charlie Graham |
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 Charlie Graham Managing Director Rural ANZ National Bank Ltd Charlie Graham is Managing Director Rural for ANZ National Bank - New Zealand's leading provider of rural banking services. Charlie has led ANZ National's Rural business following ANZ's acquisition of The National Bank of New Zealand (NBNZ) in 2003. He was previously General Manager Rural Banking for The National Bank of New Zealand, a role he held since 1996. Under Charlie's leadership the rural banking business has quadrupled in size and maintained its dominance in the highly competitive rural market with a market share currently in excess of 40 per cent. Charlie was also involved in the introduction of direct banking to the rural market, the emergence of equity partnerships in the rural sector and the introduction of innovative solutions for farmers such as the rural growth funding. Prior to his current role, Charlie was the Northern Regional Manager for the Rural Banking division and before that was Area Chief Manager for the Waikato region, with responsibility for the retail network and rural and commercial business in that region. Charlie commenced his career with The Rural Bank which was acquired by NBNZ in 1992. Charlie has a Bachelor of Agricultural Science from Massey University. He has been a Registered Property Valuer and has past memberships of the New Zealand Institute of Valuers, the Property Institute of New Zealand and the Society of Farm Management. He is currently a Trustee of the Rural Communities Trust and formerly held a trusteeship for the Massey University Agricultural Research Foundation. Key datesOctober 2008 December 2003 July 1996 July 1995 October 1993 January 1993 September 1988 Last updated: October 2008 |
Commercial
ANZ National's Commercial Banking specialises in meeting the banking needs of medium-to-large businesses with annual turnovers of between NZ$2 million and NZ$150 million. The Commercial business also includes UDC Finance, New Zealand's only AA rated finance company.
| Led by Graham Turley |
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 Graham Turley Managing Director - Commercial ANZ National ANZ Centre Graham leads the Commercial business in New Zealand, representing teams that focus on delivering relationship management to customers in the corporate, property construction finance and commercial sectors, including UDC Finance. Graham previously led the Corporate Finance team in New Zealand, responsible for providing corporate and acquisition financing, structured financial products, debt capital markets, leasing, project and leveraged finance, private equity and infrastructure investment to ANZ's Corporate and Institutional customers in New Zealand. Immediately prior to his current appointment, Graham led ANZ's global Capital business in an acting capacity. This business provides private equity and leveraged debt capital to the mid market sector. Graham has over 20 years experience in corporate finance and debt capital markets and has been involved in many of New Zealand's complex corporate finance transactions. Graham graduated from Massey University with a Diploma of Horticulture (Dist) and a Bachelor of Business Studies, is a Charted Accountant and a member of the Institute of Chartered Accountants of New Zealand. Key datesOctober 2008 November 2005 1999 1997 1993 Updated: October 2008 |
Institutional
ANZ National's Institutional business provides customised products and financial service solutions to large corporate, institutional and government clients.
| Led by David Green |
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 David Green Managing Director, Institutional ANZ National ANZ Centre David leads the Institutional business in New Zealand, comprising the business units focused on Institutional Client Relationships, Transactional Banking & Specialised Lending, Markets and Balance Sheet Management. David previously led the team responsible for ANZ's Institutional clients in New Zealand. He has more than 20 years experience in the finance and banking sector in senior advisory, underwriting and markets roles. David joined ANZ in 2005 from Deutsche Bank Australia, where he was responsible for leading acquisition financing, refinancing and leveraged financing assignments for the bank in Australia and New Zealand. Immediately prior to joining Deutsche Bank, David was Group Director & Head of Debt Markets at Bancorp New Zealand. David is a member of the Institute of Chartered Accountants of New Zealand (College of Chartered Accountants) and New Zealand Institute of Management. Key datesOctober 2008 June 2005 February 2000 1998 Updated: October 2008 |
Private Banking and Wealth
Private Banking caters for ANZ National's highest net worth individuals and family groups. Clients are provided with a complete range of financial solutions, from traditional banking to innovative investments and financial planning through the ANZ and National Bank of New Zealand brands.
| Led by John Body |
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 John Body Managing Director, Private Banking and Wealth ANZ National Bank Limited John is the Managing Director, Private Banking and Wealth, New Zealand. John brings with him a wealth of knowledge and leadership experience having worked for ANZ's markets business for 22 years, holding a variety of senior positions in Singapore, Melbourne and New Zealand. Most recently he was Head of Markets overseeing the trading and sales activities of the Bank's New Zealand dollar interest rate and currency products. John holds a Bachelors degree in Economics and a Master of Business Studies. He is on the board of Direct Broking Limited and was the inaugural Chairman of the New Zealand Financial Markets Association. Key datesNovember 2008 January 2005 December 2003 July 2002 Last updated: November 2008 |
The Asia Pacific division provides a full range of banking products and services to ANZ's retail, business, corporate and institutional clients in the region.
The division is led by Alex Thursby.
Retail Asia
Retail Asia incorporates the cards, private banking, wealth and retail segments in both the partner businesses and ANZ business across both North East and South & South East Asia.
| Led by Nina Aguas |
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 Nina Aguas Managing Director, Retail Asia Australia and New Zealand Nina Aguas is Managing Director, Retail Asia, with accountability for ANZ's Retail banking business in Asia, leveraging ANZ's partnerships and executing the retail component of our Asian country franchise plans. Nina joined ANZ in January 2009. Prior to this, Nina was a Senior Advisor for Quattro Risk Management, an organisation that provides integrated risk management services to global banks and institutions. Nina was previously with Citigroup where she held various senior positions across geographies and business sectors over the course of 25 years including six years as Country Business Manager, Consumer Group for Philippines, Regional Audit Director for the Asia Pacific region and Regional Head for Quality and Re-engineering, where Nina had overall management responsibility in 13 countries across Asia, including Singapore, Hong Kong, Japan, Taiwan, Korea, Malaysia, Thailand, Indonesia and Philippines. More recently Nina spent two years as Managing Director, Head of Corporate Center Compliance based in New York. Nina holds a Bachelor of Commerce from the University of Santo Tomas in the Philippines. Nina is a Board Member of the Market Integrity Board of the Philippine Stock Exchange and previously chaired the Asia Consumer Group Diversity Council at Citigroup. Key datesJanuary 2009 January 2008 1982 |
Institutional Asia
Corporate and institutional banking, corporate and structured financing, trade and transaction, personal and private banking services across the Asia region.
| Led by Mark Whelan |
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 Mark Whelan Managing Director, Asia, Europe and America, Institutional Australia and New Zealand Mark Whelan is Managing Director of Asia, Europe and America for the Institutional division, with accountability for client relationships and a full range of financial products and services for ANZ corporate and institutional throughout these regions. Mark joined ANZ in November 2004 as Head of Sales, Markets, and was most recently Joint Managing Director Markets. He previously worked at Westpac where he held several senior roles, including General Manager, Global Investor Sales and General Manager, Institutional Banking, Victoria. Before joining Westpac, Mark worked for Citibank and Caterpillar. Mark holds a Graduate Diploma in Taxation and a Diploma in Accounting from the Royal Melbourne Institute of Technology (RMIT). Mark is a Fellow of the Certified Practicing Accountants (CPA) and a member of the Financial Treasury Association, the Australian Financial Markets Association and the Australian Institute of Company Directors. Key datesNovember 2008 October 2007 July 2005 November 2004 Last updated: October 2008 |
South & South East Asia
South & South East Asia includes ANZ's operations in Indonesia, India, Vietnam, Singapore, Cambodia, Laos, Malaysia, Thailand and the Philippines.
- Led by Joseph Abrahams (Acting)
North East Asia
North East Asia includes ANZ's businesses in China, Hong Kong, Taiwan, South Korea and Japan.
| Led by Alistair Bulloch |
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 Alistair Bulloch CEO North East Asia Australia and New Zealand Alistair Bulloch is the CEO North East Asia. In this role, he is responsible for driving growth and innovation in ANZ's businesses and partnerships in China, Hong Kong, Taiwan, Japan and Korea. He is also the CEO of ANZ's Hong Kong business. Prior to this role, Alistair was Head of Wholesale and Commercial Banking in Korea for Standard Chartered Bank. He has more than 20 years banking experience and was previously head of client relationships in both China and Taiwan. Alistair spent his childhood and a considerable part of his earlier career in Hong Kong and has also worked in the Middle East and Ireland. He is married with two children and his interests include golf, rugby and travel. Key datesApril 2008 Joined ANZ as CEO North East Asia and CEO Hong Kong March 2006 July 2005 Jan 2003 1997 1996 Last updated: June 2008 |
Pacific
ANZ has businesses in 12 countries across the Pacific region offering a full range of retail and commercial banking services.
| Led by Michael Rowland |
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 Michael Rowland Pacific - Asia Pacific, Europe and America Division. Australia and New Zealand Michael Rowland is Chief Executive Officer, Pacific - Asia Pacific, Europe and America Division. As CEO Pacific, Michael is responsible for the leading bank and business in the Pacific across 12 countries including American Samoa, Cook Islands, Fiji, Kiribati, New Caledonia, Papua New Guinea, Samoa, Solomon Islands, Vanuatu, Tonga, Timor Leste and Guam, which together employ more than 2,000 people. Previously, Michael held several senior executive positions at ANZ including Chief Financial Officer and General Manager Strategy, Marketing and Customer Segmentation for Institutional Division, Managing Director, Mortgages, Chief Financial Officer and Head of Integration for ANZ National Bank in New Zealand, Chief Financial Officer at ANZ's joint venture partner ING Australia and Chief Financial Officer of the (then) Personal Financial Services Division. Michael joined ANZ in 1999 following 13 years at KPMG, the last three as a partner in the taxation practice. He has also held the position of Finance Director with AMRAD Corporation Limited. Michael has a Bachelor of Commerce from Melbourne University, a Graduate Diploma in Taxation Law from Monash University and is a Fellow of the Institute of Chartered Accountants. Key datesNovember 2009 October 2008 November 2006 March 2004 May 2002 July 1999 Last updated: November 2009 |
Wealth Asia
Wealth Asia comprises two businesses:
Investment and Insurance
Responsible for ANZ's investment and insurances products and solutions across Asia.
Private Banking
Servicing individuals and family groups, Private Bank in Asia assists customers to manage, grow and preserve their assets. Offering clients a range of financial solutions, from traditional banking to innovative investments and financial planning.
| Led by Sean West |
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 Sean West Managing Director, Wealth Asia Australia and New Zealand Sean West is Managing Director of Wealth and has responsibility for developing and driving the strategic direction for ANZ’s Wealth Management business across the region. Sean also has responsibility for Private Banking which caters for ANZ's high net worth clients. Sean joined ANZ in September 2008. Prior to joining ANZ, Sean was General Manager, Insurance for St.George Bank. Previously, he was the Head of Advice Business Solutions at Asgard Wealth Solutions, the funds administration and financial advice arm of St.George Bank. Sean has more than 19 years of financial services experience, including 14 years in Wealth Management. Sean also holds a Bachelors of Commerce, is a Chartered Accountant and a graduate member of the Australian Institute of Company Directors. Key datesSeptember 2008 April 2007 June 2003 Last updated: January 2009 |
Other members of the Asia Pacific senior team include:
| Ross Foden - General Manager Operations |
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 Ross Foden General Manager, Operations, Asia Pacific, Australia and New Zealand Ross Foden is the General Manager for Operations, Asia Pacific. Ross joined ANZ from HSBC where he held senior operations roles within the HSBC Group in Asia for the past eight years, including in Hong Kong and Malaysia, after starting his career in the United Kingdom. Most recently, he was responsible for the strategic direction, development and management of HSBC's Global Resourcing Centre in Malaysia, which supported retail and commercial banking operations in 21 countries. Ross, who is British by birth, completed his secondary and tertiary education in the United Kingdom. Key datesSeptember 2008 2006 - September 2008 2004 - 2006 2001 - 2004 1998 - 2001 1995 - 1998 Last updated: September 2008 |
| Kimberley Reid - General Manager Human Resources |
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 Kimberley Reid General Manager - Human Resources - Asia Pacific Australia and New Zealand Kimberley Reid is the General Manager for Human Resources, Asia Pacific. During the past 7 years with ANZ, Kim has held a number of senior Human Resources roles. Prior to joining the Asia Pacific division in 2007, she was Head of HR for Operations Technology and Shared Services. Prior to this, she was the Practice Leader for Workplace Relationships where she led a team of lawyers and IR specialists to develop and deliver industrial relations strategy. Immediately prior to joining ANZ, Kim was a Senior Consultant at Hinton and Associates, a specialist communications consultancy engaged on large, controversial or contested share market transactions. Kimberley, who is Australian by birth, completed her secondary and tertiary education in Australia, graduating with honours in Law. Key datesNovember 2007 2004 - 2007 2002 - 2004 2000 - 2002 Last updated: September 2008 |
| Wayne Stevenson - Chief Financial Officer |
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 Wayne Stevenson Chief Financial Officer, Asia Pacific Australia and New Zealand As Chief Financial Officer for the Asia Pacific Division, Wayne Stevenson is responsible for the financial management and performance of the Group's banking businesses and partnership investments within the Asia Pacific region. Wayne joined ANZ following the acquisition of PostBank in 1988. He worked with ANZ in New Zealand as Chief Auditor until 1993 following which he relocated to Australia to head up the audit division responsible for the Groups Australian Operations. Since moving from Audit in 1995 he has held a number of senior Finance, Risk and Operations roles with ANZ - including CFO of ANZ's International Division (which at the time comprised operations in 43 countries), ANZ's Personal Banking and Wealth Management Businesses in Australia, and CFO ANZ Investment Bank. Wayne holds a Bachelor of Commerce and is a member of the Institute of Chartered Accountants New Zealand. Key dates2008 - 2009 2007 - 2008 2005 - 2007 2004 - 2005 2001 - 2004 1999 - 2001 1998 - 1999 1996 - 1997 1995 - 1996 1993 - 1995 1990 - 1993 Last updated: September 2008 |
| Nigel Denby - Chief Risk Officer |
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 Nigel Denby Chief Risk Officer, Asia Pacific Australia and New Zealand Nigel Denby is Chief Risk Officer for ANZ’s Asia Pacific Division. In this role Nigel is responsible for ensuring the effective implementation of ANZ’s risk management framework while managing the local regulatory requirements and risks unique to the geography. Nigel joined ANZ from Nomura Asia where he was Regional Head for Risk Management and Credit. Nigel had overall responsibility for market, credit and operational risk management for Asia. With 25 years of experience in banking across Asia, the Middle East and South America, Nigel also spent most of his career at HSBC where he held a series of senior positions both in Risk Management and in the Corporate, Investment Banking and Markets Division. He graduated with honours in Economics in 1983 from Exeter University in England. Key datesNovember 2008 April 2008 May 2004 1983 Last updated: January 2009 |
| Brian Clark - General Manager Technology |
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 Brian Clarke General Manager - Asia Pacific Technology Australia and New Zealand Brian Clark is General Manager, Asia Pacific Technology. Brian is responsible for driving the technology agenda across Asia Pacific - to make targeted investments in both new and renewing systems to help enable the growth agenda in the region. Prior to joining Asia Pacific Technology, Brian has held a number of roles in ANZ technology including working as the Head of Technology for Consumer Finance and as the Technology Project Director for the MyTell Australia programme. Before joining ANZ, Brian was heavily involved in two internet start-ups and prior to that spent six years building mission planning systems in the US Air Force and for Lockheed Martin. Brian studied undergraduate Computer Science in the US and is finalising his Masters of Business Administration in Australia. Brian grew up in Tennessee, lived and worked in Colorado before moving to Australia in early 2000. Early 2009 will see Brian moving to Singapore with his family. Key datesJanuary 2008 2004 - 2006 2000 - 2004 1997 - 2000 1996 - 1997 1991 - 1996 Last updated: December 2008 |
- Nancy Wong - Chief of Staff and General Manager Strategy and Marketing
The Institutional division provides a full range of financial products and services to ANZ's corporate and institutional clients globally.
This division is led by Shayne Elliott.
Institutional businesses
Relationship Banking
Provides the specialist focus and priority on managing our client relationships within the Institutional division.
| Led by Gary Newman |
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 Gary Newman Managing Director Relationship Banking Australia and New Zealand As Managing Director, Relationship Banking, Gary is responsible for our client agenda, in the Institutional, Financial Institutions and Corporate sectors across our three regions, ensuring consistency of approach and leveraging synergies across our relationship and product businesses. Gary joined ANZ in September 2008 from Citigroup and has spent a considerable amount of his career in the Institutional business in various roles including offshore locations. Gary was most recently Head of Corporate Banking Australia and New Zealand for Citigroup, leading the newly merged institutional and corporate coverage teams. Over the previous 14 years he held a number of senior roles for Citigroup, including Country Manager for Thailand and New Zealand. Gary is a Fellow of the Australasian Institute of Banking and Finance and also a Certified Investment Professional with the Institute of Finance Professionals in New Zealand Key datesOctober 2008 2007 2005 2003 2000 1996 1994 Updated: October 2008 |
Transactional Banking and Specialised Lending
Provides the products for deposits and daily cash management, including international requirements, clearing and custodian services and simple to more complex lending solutions to our clients across the globe.
| Led by Alistair Currie |
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 Alistair Currie Managing Director, Transaction Banking and Specialised Lending - Institutional Australia and New Zealand Banking Group Limited Alistair Currie is Managing Director, Transaction Banking & Specialised Lending, Institutional. Transaction Banking and Specialised Lending is responsible for all core banking needs of ANZ's corporate and institutional clients, including cash management, trade and supply chain finance, project finance, structured leasing, custodian services, clearing services and international payments. Alistair joined ANZ in November 2008 from HSBC, where he has had 18 years of global experience in transaction services, trade finance and commercial banking. He was most recently President and CEO of HSBC Taiwan, and he has previously held senior roles in Asia, the Middle East, the UK and the US, including COO of Wells Fargo HSBC Trade Bank in San Francisco. As Regional Head of Trade Services for HSBC Asia Pacific, Alistair was responsible for trade finance, supply chain and structured trade in 21 countries, and further developed HSBC's trade finance position in the region. Alistair was born in Scotland and grew up in Hong Kong. He holds a Master of Science (Management) from Imperial College, University of London, UK and a Bachelor of Science (Design & Technology) from Brunel University, UK. Key dates2008 2007 2004 2002 Last updated: November 2008 |
Markets
Provides specialist services in foreign exchange, capital markets, commodities, structured derivatives, and interest rate services to organisations globally.
| Led by Gilles Planté |
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 Gilles Planté Managing Director, Markets - Institutional Australia and New Zealand Gilles Planté is Managing Director, Markets, Institutional with global operational and strategic accountability for the Markets business. Markets provides specialist services in foreign exchange, capital markets, commodities, structured derivatives and interest rate services to organisations throughout the world. Markets is organised into three businesses: Sales, Trading and Operations. Gilles' primary focus is on the Trading function of the Markets business. Gilles joined ANZ in 1997 after many years' derivative trading experience in Paris, Tokyo, New York and Singapore. More recently, he was based in London combining the roles of Head of Financial Markets Europe/Americas and Director, Commodities and Foreign Exchange Derivatives. Gilles moved to Australia in November 2004 to become Head of Trading, Markets at ANZ. Gilles holds a Master of Science from ESME in Paris and a Master of International Finance from IAE in Paris. Key datesNovember 2007 July 2005 November 2004 2002 1997 Last updated: October 2008 |
Balance Sheet Management
Actively manages the Institutional balance sheet, enabling origination and distribution to investor clients.
| Led by Arlene Tansey |
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 Arlene Tansey Managing Director - Balance Sheet Management Institutional Division Arlene Tansey is Managing Director of Balance Sheet Management, within the Institutional Division of ANZ and is responsible for ensuring ANZ Institutional's balance sheet is well managed and efficiently utilised. Previous to this role, Arlene was Head of Diversified Industrials. Arlene's portfolio included ANZ's global client groups in Transport & Transport Manufacturing, Logistics, Health & Pharmaceuticals, Manufacturing and other Industrial businesses. Prior to joining ANZ in 1999, Arlene spent four years with Macquarie Bank in the then Project and Structured Finance Division. Arlene has over 25 years experience in finance, 14 of which were spent in the United States in corporate finance and law. Arlene holds a Juris Doctor from the University of Southern California Law Centre, a Masters in Business Administration from New York University, and a Bachelor in Business Administration from Pace University. Arlene is a fellow of the AICD and a Director of the Police and Community Youth Clubs. Key datesNovember 2008 October 2004 2001 - 2004 2000 - 2001 1999 - 2000 1994 - 1998 Updated: October 2008 |
Australia
Focuses on our commitment to excellence in client relationships and delivery of our products and services to Australian clients.
| Led by Nigel Williams |
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 Nigel Williams Managing Director of Australia - Institutional Australia and New Zealand Nigel Williams is Managing Director of Australia for the Institutional division. In this role he oversees the business and strategic focus of the Institutional division’s client relationships, products and services in Australia. Previously, Nigel was Managing Director Institutional, Corporate & Commercial Banking for ANZ National Bank, looking after both the ANZ and National Bank of New Zealand's relationships and business with Corporate and Institutional customers in New Zealand. Nigel has approx 25 years' experience in both New Zealand and overseas capital markets, having previously worked for the Lloyds TSB Group. Nigel graduated from the University of Otago with a Bachelor of Commerce with majors in Marketing, Accounting and Finance and has also attended leadership and strategy training at the University of Michigan, USA and Oxford University, England. His Directorships include NZX Limited, on the Board of E*TRADE, a member of the 2008 NZ Government Taskforce on Capital Markets Development, on the Art Gallery NSW President's Council and Chairman of the City Art Gallery Foundation in Wellington. He is a past Chairman of Wellesley College, and past Board member of INFINZ and the AUT Business School. Key datesNovember 2008 September 2006 September 2004 June 1996 1984 Last updated: October 2008 |
New Zealand
Focuses on our continued delivery of strong client relationships and products in our New Zealand operations.
| Led by David Green |
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 David Green Managing Director - Institutional ANZ National ANZ Centre David leads the Institutional business in New Zealand, comprising the business units focused on Institutional Client Relationships, Transactional Banking & Specialised Lending, Markets and Balance Sheet Management. David previously led the team responsible for ANZ's Institutional clients in New Zealand. He has more than 20 years experience in the finance and banking sector in senior advisory, underwriting and markets roles. David joined ANZ in 2005 from Deutsche Bank Australia, where he was responsible for leading acquisition financing, refinancing and leveraged financing assignments for the bank in Australia and New Zealand. Immediately prior to joining Deutsche Bank, David was Group Director & Head of Debt Markets at Bancorp New Zealand. David is a member of the Institute of Chartered Accountants of New Zealand (College of Chartered Accountants) and New Zealand Institute of Management. Key datesOctober 2008 June 2005 February 2000 1998 Updated: October 2008 |
Asia, Europe and America
Provides the combined focus of our client relationships and products to implement our super regional strategy in our Asian, European and American operations.
| Led by Mark Whelan |
|---|
 Mark Whelan Managing Director, Asia, Europe and America - Institutional Australia and New Zealand Mark Whelan is Managing Director of Asia, Europe and America for the Institutional division, with accountability for client relationships and a full range of financial products and services for ANZ corporate and institutional throughout these regions. Mark joined ANZ in November 2004 as Head of Sales, Markets, and was most recently Joint Managing Director Markets. He previously worked at Westpac where he held several senior roles, including General Manager, Global Investor Sales and General Manager, Institutional Banking, Victoria. Before joining Westpac, Mark worked for Citibank and Caterpillar. Mark holds a Graduate Diploma in Taxation and a Diploma in Accounting from the Royal Melbourne Institute of Technology (RMIT). Key datesNovember 2008 October 2007 July 2005 November 2004 Last updated: October 2008 |
Other members of the senior Institutional team include:
| Graeme Hosking - General Manager Operations |
|---|
 Graeme Hosking General Manager - Operations Institutional Division Graeme Hosking is the General Manager of Operations, Institutional division. In this role, he carries functional responsibility for operations across the Institutional division at ANZ. Before joining ANZ, Graeme worked at Deutsche Bank for four years where his most recent position was Managing Director, Global Head of Banking & Cash Operations. During this period, he was responsible for operational line management and held budget responsibility for 28 locations supporting Deutsche Bank's global cash management franchise. He also led the restructuring of Deutsche Bank's European and Asian branch network operations. Prior to working with Deutsche Bank, Graeme held senior operations and strategy roles at Cisco Systems and Barclays Bank. Graeme holds a Masters degree from Cambridge and an MBA from London Business School. He is married with two children and his interests include rowing, rugby, skiing, tennis, golf, creative writing, reading, and travel. Key datesNovember 2008 November 2006 2002 2000 1999 1997 1995 Last updated: November 2008 |
| Mark Jankelson - General Manager Human Resources |
|---|
 Mark Jankelson General Manager, Human Resources - Institutional Australia and New Zealand Mark Jankelson is General Manager, Human Resources, Institutional. In this role Mark is responsible for identifying and delivering strategic Human Resource solutions that support the division's Strategic Guidelines and division goals. Mark joined ANZ in September 2003 initially as Head of Organisational Effectiveness & Rewards and became Head of Leadership, Capability & Performance in 2005. During his tenure Mark has provided significant functional leadership in activities including: Rewards, Engagement, Performance Management, People Information Systems, Strategy, Learning, Talent and Succession. Before joining ANZ, Mark was involved with growing the Australasian Management Assessment Business for Korn/Ferry International. Prior to this he spent over 13 years with the Hay Group in a number of regional and global senior business leadership roles as well as consulting to major clients. Born in South Africa, Mark immigrated to Australia in 1976. He holds a Bachelor of Commerce (Accounting and Finance) from Rhodes University, Grahamstown, South Africa and a Masters of Business Administration from University of Witwatersrand, Johannesburg, South Africa. Key datesAugust 2006 April 2005 September 2003 Last updated: January 2009 |
| Chris Amirtharajah - General Manager Technology |
|---|
 Chris Amirtharajah General Manager, Technology - Institutional Australia and New Zealand Banking Group Limited Chris Amirtharajah is General Manager, Technology Institutional. In this role Chris is responsible for technology that drives momentum and growth for ANZ's global Institutional business. Technology Institutional supports Institutional's teams and clients across key relationships, products and geographies to deliver strategic technology solutions that help corporates have good customer experiences with ANZ. Before joining ANZ, Chris established his career in financial markets both in consulting and senior business leadership roles. In addition he has prior experience as CIO of UK based cable television and internet firm. Chris has a Bachelor of Business in Accounting and Computer Science. Key datesJanuary 2008 2007 2005-2006 2003-2005 2001-2002 1995-2001 1984-1995 1982-1984 Updated: November 2008 |
| Rob Goudswaard - Chief Risk Officer |
|---|
 Rob Goudswaard Chief Risk Officer Australia and New Zealand Banking Group Limited Rob Goudswaard is Chief Risk Officer, Institutional. Rob's role is to ensure ANZ's risk management framework is effectively embedded and appropriately managed in partnership with business leaders across the Institutional division. Rob's most recent role was Chief Risk Officer for Australia, however he has had a long career at ANZ. He joined the bank as a Graduate, spending his first years in the branch network as an assistant to the lending manager, before moving to Personnel and then to International. He worked as a Relationship Manager in Bahrain and Australia, before leading the bank's businesses in the Solomon Islands and subsequently Oman. Upon returning to Australia, Rob led the Corporate Banking team in Waverley, Victoria. He was then promoted to Chief Operating Officer for Small to Medium Business, where he assisted with the set up of the division before being appointed to run the Personal Banking business in Asia and the Pacific. Rob then set up the Small Business division and, after a few years, the Regional and Rural business and Small Business Operations were added to his responsibilities. Rob has a Bachelor of Economics from Latrobe University and a Postgraduate degree in Corporate Finance from RMIT. Rob is a fellow of the Williamson Leadership Community Program, a fellow of FINSIA and a Graduate of AICD. He has completed the Senior Executive Programmes at Melbourne Business School and London Business School. Rob is Chair of the ANZ Staff Foundation and a Director of World Vision Australia. Key datesJanuary 2009 October 2008 July 2006 October 2004 May 2002 November 2000 February 1998 January 1996 November 1992 January 1981 Last updated: June 2009 |
| Russell Shields - State Chairman QLD |
|---|
 Russell Shields Queensland Chairman - Institutional Australia and New Zealand Banking Group Limited Russell Shields is Queensland Chairman. In this role, he is responsible for assisting in the further development as well as being the central focal point for ANZ, in Business, Community and Government in one of Australia's fastest growing states - Queensland. Russell is an experienced banker with extensive knowledge of retail, corporate, institutional and investment banking both in Australia and Asia. Before joining ANZ, he was Managing Director, Asia Pacific, Transport, Construction & Infrastructure based in Hong Kong and prior to that Regional Manager of Financial Institutional Group in both Hong Kong Australia and New Zealand for HSBC Group. He began his career by establishing the Queensland office of Wardley Australia, the investment banking arm of the HSBC Group and subsequently held several senior finance roles in Australia and Asia. Russell is a member of the Hong Kong Maritime Council, an advisory body to the Hong Kong Government on maritime issues; and Chairman of Maritime Capital Shipping, a Hong Kong based shipping company. Key datesJuly 2008 1982 - 2007 1979-1982 Updated: December 2008 |
| John Atkins - State Chairman WA |
|---|
 John Atkins Chairman, Western Australia Australia and New Zealand Banking Group Limited John Atkins is Chairman, Western Australia. In this role John is responsible for developing and enhancing ANZ's relationships at senior levels in Business and Governments. He provides overall senior leadership and guidance in W.A. Before joining ANZ, John was Head of the Perth office of National Law Firm Freehills. John Atkins' background is as a commercial lawyer. He was admitted as a lawyer in 1973 and practiced full-time until 1996 when he moved into management. In addition to his role at ANZ, John is also non-executive chairman of the nickel exploration company, Breakaway Resources Ltd, non-executive director of listed engineering services company PearlStreet Limited, non-executive director of financial services company Australian Finance Group Ltd, Director and Vice President of the Chamber of Commerce and Industry, Director of Lions Eye Institute Ltd, Member of the Council of Presbyterian Ladies College and Deputy Chairman and former Chairman of Committee for Perth. Key dates2004 2001 1998 1996 1986 Updated: December 2008 |
- Warwick Smith - State Chairman NSW
ANZ's shared services that support these businesses are:
Operations, Technology and Shared Services
Operations, Technology and Shared Services (OTSS) is ANZ's core support division. OTSS is accountable for the global delivery of ANZ's information technology solutions and infrastructure, for our back-office operations capability in India, and for the provision of shared services including property, sourcing, accounts payable, environmental sustainability and human resources.
OTSS also has functional responsibility for Operations and ANZ's Change and Project Management practices and for oversight of IT and Operational Risk and Information Security.
ANZ is currently undertaking a global executive search for a Chief Information Officer. Group Managing Director - OTSS, David Cartwright, and Deputy CIO and General Manager - Technology Service and Infrastructure Management, Kieran Griffiths are jointly responsible for CIO responsibilities until a new CIO is appointed.
| Shane Freeman is the General Manager, ANZ India. |
|---|
 Shane Freeman General Manager OTSS India Cherry Hills As General Manager OTSS India, Shane is responsible for developing ANZ's Bangalore facility into a best-in-class operations, technology and shared services hub. He was formerly Group General Manager, People Capital and Breakout, responsible for ANZ's strategic human resources function. This included the major practice areas of leadership, talent and learning, performance and rewards, employee relations and Breakout. Prior to joining ANZ, Shane held a number of senior Human Resources roles with BHP Billiton and Mobil Oil Corporation. He has lived and worked in the USA and the UK. Shane has been a director of the Diversity Council Australia, a not-for-profit organisation that supports all aspects of diversity, and a Deputy Chairman of the Australian Safety and Compensation Council. He holds a Bachelor of Behavioural Science, majoring in psychology and sociology, from La Trobe University. Shane has two daughters and now lives with his wife in Bangalore, India. Key datesFebruary 2008 August 2001 January 2000 1997 1994 1990 1981 1978 Last updated: October 2008 |
Risk
Risk is responsible for ANZ's global risk management framework. Risk is responsible for the organisation's risk strategies, policies, processes and reporting. The approach at ANZ is to ensure risk management and accountability are central to everything we do. Risk enables ANZ to meet its performance objectives along with delivering a 'no surprises' approach for management and the external market.
Group Financial Management
Group Financial Management is responsible for the overall financial management of the ANZ Group including control of the structure of ANZ's balance sheet, finance management information systems and performance management. Group Financial Management comprises Financial Reporting and Policy, Business Performance, General Counsel & Company Secretary's Office, Taxation, Treasury and Investor Relations and the Divisional finance teams.
Strategy and Marketing
Strategy and Marketing is responsible for ANZ's business strategy, including the expansion and re-shaping of ANZ's businesses, mergers, acquisitions and disposals; it is also responsible for ANZ's global branding and marketing strategy as well as for overseeing the Group's strategic productivity agenda.
Human Resources
Human Resources' mission is to deliver the best opportunities, the best leaders and the best company. It is responsible for ANZ's strategic HR function including the major practice areas of remuneration and rewards, employee relations, culture and change, transformation and operations, organisational capability and HR shared services.
Areas that support the Chief Executive office are:
Corporate Affairs
Corporate Affairs supports achievement of ANZ's goals by responding to and shaping our operating environment. It manages key external issues and relationships, particularly those involving civil society, government, regulators, NGOs and other stakeholders who play a role in influencing our world. This role includes leadership and governance of ANZ's Corporate Responsibility (CR) agenda. Group Corporate Affairs is led by Gerard Brown.
Office of the CEO
The Office of the CEO is responsible for Mr Smith's office and oversight of group initiatives, operations and issues. This includes ANZ Board meetings, Management Board meetings, senior management forums and review processes across the group. The Chief of Staff of the Office of the CEO is Tania Motton.
Corporate Communications
Corporate Communications has internal and external communication responsibilities for the ANZ Group including media relations and internal communication.
The team ensures that our people have the information they need to understand, engage in and make a positive contribution to ANZ's vision and priorities. It seeks to create an open and honest communication environment where feedback is encouraged. Externally, Corporate Communications is responsible for all contact between ANZ and the media. The team is led by Paul Edwards.
© Australia and New Zealand Banking Group Limited (ANZ) 2009 ABN 11 005 357 522. ANZ's colour blue is a trade mark of ANZ.