Australia

Servicing the bank's retail and commercial 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. Specialised businesses Esanda and Agribusiness ensure the division is well-placed to help customers enjoy more convenient banking while supporting local business to grow.

Led by Philip Chronican.

Product, Strategy and Marketing

This business includes products and all strategy and marketing teams across Australia including brand, sponsorship and customer segmentation.

Led by Louis Hawke
Louis Hawke Louis Hawke is Managing Director Product, Strategy and Marketing. Since joining ANZ in 2002, Louis has held the positions of Managing Director Retail Banking and Managing Director Retail Distribution. These roles covered responsibility for the retail deposits business, which comprised ANZ's consumer transaction, savings and investment accounts, including Esanda Debentures at that time; and responsibility for the Australian Branch Network (824 branches), the Australian Call Centre and Specialist Business and Direct Channels respectively. 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 dates August 2010: Appointed Managing Director, Products, Strategy and Marketing October 2008: Appointed Managing Director, Retail Distribution November 2005: Appointed Managing Director, Retail Banking October 2002: Joined ANZ as General Manager NSW/ACT Last updated: August 2010

Led by Louis Hawke

Louis Hawke

Louis Hawke is Managing Director Product, Strategy and Marketing.

Since joining ANZ in 2002, Louis has held the positions of Managing Director Retail Banking and Managing Director Retail Distribution.

These roles covered responsibility for the retail deposits business, which comprised ANZ's consumer transaction, savings and investment accounts, including Esanda Debentures at that time; and responsibility for the Australian Branch Network (824 branches), the Australian Call Centre and Specialist Business and Direct Channels respectively.

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 dates

August 2010: Appointed Managing Director, Products, Strategy and Marketing

October 2008: Appointed Managing Director, Retail Distribution

November 2005: Appointed Managing Director, Retail Banking

October 2002: Joined ANZ as General Manager NSW/ACT

Last updated: August 2010

Retail Distribution

Includes management of the extensive national branch network, call centre and specialist sales staff servicing retail customers.

Led by Mark Hand
Mark Hand Mark Hand is Managing Director of Retail Distribution Mark is an experienced banker, having spent more than 22 years with ANZ in various roles. His most recent role has been as General Manager, Regional Commercial Banking. In his two years in this role, he achieved significant profit growth, and led the recent acquisition of Landmark Financial Services from AWB Limited which took ANZ to number two in the agribusiness farm gate market. He also extended the small business banking proposition to regional Australia while in this role. He joined ANZ in 1988 in Group Audit. After a number of years auditing various divisions of the bank, Mark spent four years as the Head of Audit for Middle East and South Asia, based in Mumbai, India. In this role he was responsible for monitoring and reporting on risk exposures across the ANZ portfolio of 15 countries. After returning to Australia in 2000, Mark was appointed Head of Credit and Operating Risk for SME Banking. He subsequently moved to the frontline as District Manager, Melbourne CBD in Business Banking, and then became State Manager, Business Banking for Victoria and Tasmania, before becoming General Manager of the Business Banking Manager segment. Mark holds a Bachelor of Business and a Masters of Business Administration from Deakin University, a CPA and is an alumni of the Williamson Community Leadership Program. He is also Chairman of the ANZ Staff Foundation. Key dates August 2010:Appointed Managing Director, Retail Distribution 2008: General Manager, Regional Commercial Banking 2006: General Manager, Business Banking Manager segment 2005: State Manager, Business Banking Victoria and Tasmania 2002: District Manager, Business Banking Melbourne CBD 2000: Head of Credit and Operating Risk - SME Banking 1996: Head of Audit - Middle East and South Asia (based in Mumbai, India) 1988: Joined ANZ - Group Audit Updated August 2010

Led by Mark Hand

Mark Hand

Mark Hand is Managing Director of Retail Distribution

Mark is an experienced banker, having spent more than 22 years with ANZ in various roles.

His most recent role has been as General Manager, Regional Commercial Banking. In his two years in this role, he achieved significant profit growth, and led the recent acquisition of Landmark Financial Services from AWB Limited which took ANZ to number two in the agribusiness farm gate market. He also extended the small business banking proposition to regional Australia while in this role.

He joined ANZ in 1988 in Group Audit. After a number of years auditing various divisions of the bank, Mark spent four years as the Head of Audit for Middle East and South Asia, based in Mumbai, India. In this role he was responsible for monitoring and reporting on risk exposures across the ANZ portfolio of 15 countries.

After returning to Australia in 2000, Mark was appointed Head of Credit and Operating Risk for SME Banking. He subsequently moved to the frontline as District Manager, Melbourne CBD in Business Banking, and then became State Manager, Business Banking for Victoria and Tasmania, before becoming General Manager of the Business Banking Manager segment.

Mark holds a Bachelor of Business and a Masters of Business Administration from Deakin University, a CPA and is an alumni of the Williamson Community Leadership Program. He is also Chairman of the ANZ Staff Foundation.

Key dates

August 2010:Appointed Managing Director, Retail Distribution

2008: General Manager, Regional Commercial Banking

2006: General Manager, Business Banking Manager segment

2005: State Manager, Business Banking Victoria and Tasmania

2002: District Manager, Business Banking Melbourne CBD

2000: Head of Credit and Operating Risk - SME Banking

1996: Head of Audit - Middle East and South Asia (based in Mumbai, India)

1988: Joined ANZ - Group Audit

Updated August 2010

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 Mark Whelan
Mark Whelan Managing Director, Commercial Banking Mark Whelan has been in banking for 26 years, and has vast experience in the Asian Market and Institutional banking. Prior to joining Commercial Banking he was Managing Director of ANZ’s Institutional, Commercial and Private Bank businesses based in Hong Kong. Mark joined ANZ in November 2004 as Head of Sales, Markets, before taking on the role of Joint Managing Director, Markets, in 2005 and then Managing Director, Institutional Asia, in 2007. Prior to joining ANZ, Mark worked at Westpac where he held several senior roles including General Manager, Global Investor Sales, and General Manager, Institutional Banking, Victoria. 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 dates February 2011 Appointed Managing Director, Commercial Banking Australia November 2008 Appointed Managing Director, Asia, Europe & America, Institutional October 2007 Appointed Managing Director, Institutional Asia July 2005 Appointed Joint Managing Director, Markets November 2004 Joined ANZ as Head of Sales, Markets

Led by Mark Whelan

Mark Whelan

Mark Whelan

Managing Director, Commercial Banking

Mark Whelan has been in banking for 26 years, and has vast experience in the Asian Market and Institutional banking.

Prior to joining Commercial Banking he was Managing Director of ANZ’s Institutional, Commercial and Private Bank businesses based in Hong Kong.

Mark joined ANZ in November 2004 as Head of Sales, Markets, before taking on the role of Joint Managing Director, Markets, in 2005 and then Managing Director, Institutional Asia, in 2007.

Prior to joining ANZ, Mark worked at Westpac where he held several senior roles including General Manager, Global Investor Sales, and General Manager, Institutional Banking, Victoria.

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 dates

February 2011
Appointed Managing Director, Commercial Banking Australia

November 2008
Appointed Managing Director, Asia, Europe & America, Institutional

October 2007
Appointed Managing Director, Institutional Asia

July 2005
Appointed Joint Managing Director, Markets

November 2004
Joined ANZ as Head of Sales, Markets

Other members of the Australia senior team include:

John Harries - General Manager, Operations Australia
John Harries John Harries is General Manager, Australia Operations. As General Manager Operations, John is responsible for all processes that deliver products and services to Australia's Retail, Commercial and Wealth customers. John also has responsibility for ANZ's approach to Retail Operations globally. Prior to this role, he was Managing Director, Retail Products. The Retail Products business develops and provides credit cards, mortgages, transaction accounts and personal loan products for retail customers, as well as EFTPOS services for retail merchants and commercial cards for corporate clients. Under John’s leadership of this business, ANZ has produced strong market share and revenue growth and maintained the lead position of the major banks in customer satisfaction. John also heads up the ANZ Disability Action Plan and is also a member of the Corporate Responsibility Committee. John’s previous role was Managing Director, Consumer Finance where he was also responsible for ATM businesses, ANZ's call centres and online banking. John was also responsible for Banking Products and the management of ANZ's consumer brand marketing. 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 all ANZ’s 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 Group into Challenge Bank. John holds a Bachelor of Commerce from the University of Western Australia. He is married with three daughters, enjoys cycling, most sports and reading andhas had long standing roles on the Council of his children’s school. Key Dates May 2010 Appointed GM Australia Operations March 2010 Appointed Acting GM Australia Operations October 2008 Appointed Managing Director, Retail Products (Australia) March 2008 Appointed Managing Director, Consumer Finance June 2004 Appointed Managing Director, Banking Products June 2002 Appointed General Manager, Retail Mortgages Australia February 1998 Appointed Head of Products & Marketing, Mortgages February 1997 Appointed National Manager, Consumer Marketing, Retail Banking February 1988: Appointed General Manager, Marketing, Town & Country 1982-1988 Various roles, Challenge Bank Updated: March 2010

John Harries - General Manager, Operations Australia

John Harries

John Harries is General Manager, Australia Operations.

As General Manager Operations, John is responsible for all processes that deliver products and services to Australia's Retail, Commercial and Wealth customers. John also has responsibility for ANZ's approach to Retail Operations globally.

Prior to this role, he was Managing Director, Retail Products. The Retail Products business develops and provides credit cards, mortgages, transaction accounts and personal loan products for retail customers, as well as EFTPOS services for retail merchants and commercial cards for corporate clients.

Under John’s leadership of this business, ANZ has produced strong market share and revenue growth and maintained the lead position of the major banks in customer satisfaction.

John also heads up the ANZ Disability Action Plan and is also a member of the Corporate Responsibility Committee.

John’s previous role was Managing Director, Consumer Finance where he was also responsible for ATM businesses, ANZ's call centres and online banking.

John was also responsible for Banking Products and the management of ANZ's consumer brand marketing. 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 all ANZ’s 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 Group into Challenge Bank.

John holds a Bachelor of Commerce from the University of Western Australia. He is married with three daughters, enjoys cycling, most sports and reading andhas had long standing roles on the Council of his children’s school.

Key Dates

May 2010
Appointed GM Australia Operations

March 2010
Appointed Acting GM Australia Operations

October 2008
Appointed Managing Director, Retail Products (Australia)

March 2008
Appointed Managing Director, Consumer Finance

June 2004
Appointed Managing Director, Banking Products

June 2002
Appointed General Manager, Retail Mortgages Australia

February 1998
Appointed Head of Products & Marketing, Mortgages

February 1997
Appointed National Manager, Consumer Marketing, Retail Banking

February 1988: Appointed General Manager, Marketing, Town & Country

1982-1988
Various roles, Challenge Bank

Updated: March 2010

Jon Hogan - Chief Financial Officer Australia
Jon Hogan 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 dates October 2008: Appointed Chief Financial Officer (Australia) July 2008: Joined ANZ as Chief Financial Officer, Personal Division June 2006: Appointed Chief Operating Officer and Deputy CEO, first direct (member HSBC Group), UK June 2005: Appointed Finance Director, first direct (member HSBC Group), UK November 2003: Appointed Head of Group Finance Reporting, Bradford & Bingley, UK August 1996: Joined Ernst & Young Management Consultancy Services as consultant in the UK Updated: October 2008

Jon Hogan - Chief Financial Officer Australia

Jon Hogan

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 dates

October 2008: Appointed Chief Financial Officer (Australia)

July 2008: Joined ANZ as Chief Financial Officer, Personal Division

June 2006: Appointed Chief Operating Officer and Deputy CEO, first direct (member HSBC Group), UK

June 2005: Appointed Finance Director, first direct (member HSBC Group), UK

November 2003: Appointed Head of Group Finance Reporting, Bradford & Bingley, UK

August 1996: Joined Ernst & Young Management Consultancy Services as consultant in the UK

Updated: October 2008

Mike Cutter - Chief Risk Officer Australia
Mike Cutter 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 dates May 2009: Appointed Chief Risk Officer, ANZ 2006: Appointed President and CEO, GE Money Australia and New Zealand 2004: Appointed Managing Director, GE Money Direct A&NZ 2002: Appointed Vice President Portfolio Management, GE Money A&NZ 2001: Appointed Head of Marketing and Risk Consumer Cards, NAB 1999: Appointed Chief Operating Officer, Halifax/BankOne Credit Cards 1998: Appointed Vice President Risk Management, GE Money Global 1995: Appointed Head of Risk & Portfolio Management, GE Capital (Aus) 1993: Appointed Head of Risk, GE Money Europe 1987: Held various risk roles, GE Money UK Last updated: May 2009

Mike Cutter - Chief Risk Officer Australia

Mike Cutter

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 dates

May 2009: Appointed Chief Risk Officer, ANZ

2006: Appointed President and CEO, GE Money Australia and New Zealand

2004: Appointed Managing Director, GE Money Direct A&NZ

2002: Appointed Vice President Portfolio Management, GE Money A&NZ

2001: Appointed Head of Marketing and Risk Consumer Cards, NAB

1999: Appointed Chief Operating Officer, Halifax/BankOne Credit Cards

1998: Appointed Vice President Risk Management, GE Money Global

1995: Appointed Head of Risk & Portfolio Management, GE Capital (Aus)

1993: Appointed Head of Risk, GE Money Europe

1987: Held various risk roles, GE Money UK

Last updated: May 2009

Suzette Corr - General Manager, Human Resources
Suzette Corr Suzette Corr is General Manager, Human Resources Australia. Suzette Corr is General Manager, Human Resources Australia. She is responsible for developing and driving the strategic people agenda required to enable the Australia Division's strategy across our Retail, Commercial, Wealth and Operations business. Suzette is an experienced Human Resources executive with demonstrated strength in both business and HR strategy and execution which she has developed across a range of sectors including Consulting and Financial Services. Suzette joined ANZ in 2008 as Head of Human Resources for Retail Banking, subsequently leading the HR team for Retail Distribution. Prior to joining ANZ, Suzette held senior Human Resources positions at National Australia Bank as well as consulting roles with Arthur Anderson and Ernst & Young. Suzette holds a Bachelor of Commerce from the University of Western Australia and a Master of Business Administration from the University of Queensland. Key Dates July 2010 Appointed General Manager Human Resources Australia October 2008 Head of Human Resources, Retail Distribution January 2008 Head of Human Resources, Retail Banking Updated: March 2011

Suzette Corr - General Manager, Human Resources

Suzette Corr

Suzette Corr is General Manager, Human Resources Australia.

Suzette Corr is General Manager, Human Resources Australia. She is responsible for developing and driving the strategic people agenda required to enable the Australia Division's strategy across our Retail, Commercial, Wealth and Operations business.

Suzette is an experienced Human Resources executive with demonstrated strength in both business and HR strategy and execution which she has developed across a range of sectors including Consulting and Financial Services.

Suzette joined ANZ in 2008 as Head of Human Resources for Retail Banking, subsequently leading the HR team for Retail Distribution.

Prior to joining ANZ, Suzette held senior Human Resources positions at National Australia Bank as well as consulting roles with Arthur Anderson and Ernst & Young.

Suzette holds a Bachelor of Commerce from the University of Western Australia and a Master of Business Administration from the University of Queensland.

Key Dates

July 2010
Appointed General Manager Human Resources Australia

October 2008
Head of Human Resources, Retail Distribution

January 2008
Head of Human Resources, Retail Banking

Updated: March 2011

Australia

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