Michael Hamar

Michael Hamar is Group Chief Risk Officer of the National Australia Bank Group with overall responsibility for all Risk Management within the Group. He joined the National in December 2004 from the Commonwealth Bank of Australia (CBA) where he managed the Institutional and Business Services’ risk management function. Prior to joining CBA, Michael had a long career with JP Morgan Chase. His roles there included Chief Credit Officer for Chase Manhattan Bank for Greater China and the Philippines, based in Hong Kong. Other roles with JP Morgan Chase prior to this included Managing Director in the Emerging Markets Division and other senior relationship roles. At an earlier stage in his career he was Chief Representative and Country Manager, Australia and New Zealand for Continental Illinois National Bank. Michael is a member of the nine person Group Executive Committee.

Michael Codling

Michael is a PricewaterhouseCoopers partner with over 23 years experience.

He is the leader of the PwC Banking & Capital Markets practice in Australia.

Michael has consulted widely to various banks, including on their risk management frameworks and controls, credit risk measurement and provisioning techniques, operational risk and compliance, securitisation structuring and management, and technical accounting solutions. He also audits a variety of financial services institutions, and has been a signing partner for a major Australian bank.

Linda Veronese

Linda Veronese is the General Manager, Group Assurance for Bendigo & Adelaide Bank. Linda's role oversees both Internal Audit and Credit Inspection assurance services for the Group. Linda commenced with Bendigo Bank in 2003 leading the Group Operational Risk team covering operational risk, compliance, fraud, anti money laundering, and business continuity. Linda has held a number of positions within the financial services as well as the public and not for profit sectors with experience in risk management, internal and external audit, investigations and corporate governance. She holds a Bachelor of Commerce (Melbourne University) and is a CPA and recently completed the Advanced Risk Management course at Wharton.

Grant Lowen

Grant Lowen is Acting Chief Risk Officer of the Commonwealth Bank. Prior to this role he was the Executive General Manager of Group Audit. Grant is a qualified chartered accountant (ACA) and member of the New Zealand Society of Accountants.

Prior to joining the CBA, Grant was General Manager, in charge of both Group Operational Risk and Group Audit for St.George Bank. Grant has also held senior roles with Westpac in Risk Management holding roles in credit portfolio management and responsible for managing a major project to redesign business banking credit processes. Prior to roles in risk management Grant was the Group Management Accountant for Westpac. Before Westpac Grant was with KPMG for 10 years in Audit and Consulting roles based both in New Zealand, UK and Australia.

Bruce Auty

Bruce Auty was appointed in April 2004 to establish and drive Bank of Queensland’s Group Risk Management department. Bruce is responsible for credit risk assessment, credit risk review, credit policy, portfolio performance, audit, operational risk, compliance and fraud in his role, which includes being the Bank’s Chief Credit Officer. Bruce has 39 years’ experience in corporate, investment and commercial banking, with a focus on credit and operational risk. He was formerly a General Manager at a major national bank, and also has experience as a management consultant. He is a Fellow of Certified Practicing Accountants and of the Financial Services Institute of Australasia.

John Somerville

John Somerville is a partner in the Risk Advisory Services division at KPMG Australia with responsibility for the Financial Risk Management, Regulation and Compliance and Business Performance Services - Financial Services practices. He is also the leader of KPMG's Asia Pacific Financial Risk Management practice.

John joined KPMG's Risk Solutions practice in New York. Since then he has worked for financial institutions, governments and large corporates in the fields of risk management and process efficiency in Europe, North America, Australia and throughout Asia.

The focus of John's professional interest is how risk management can be used to complement a business and support strategic decision making.

Andrew Harmer

Andrew is a Partner and National Leader of Ernst & Young Financial Services Risk Management practice.

Andrew has over 18 years experience in the banking sector and advising Financial Institutions, with his experience covering all aspects of Risk Management, including Credit, Market and Operational Risk.

He has extensive working knowledge of the Basel II Accord and the APRA's requirements in respect of Risk Management and has been a leading advisor to a number of the Basel II applicants.

He has lead development of Ernst & Young's methodology and approach to complete the Data Management sign off for APRA as part Basel II accreditation.

Robert Molyneux

Robert Molyneux is the Group General Manager Risk Infrastructure for ANZ. Rob is responsible for portfolio risk management, measurement, analysis and reporting at an organisation-wide level.

Rob has had a distinguished career with ANZ, spanning over 30 years. He has worked across many parts of ANZ, including International and Retail Banking. He has held roles as the Head of HR for International, Group Chief Auditor and prior senior roles in Credit, Finance and Technology.