Grant Lowen

Chairman

Grant Lowen is Chief Risk Officer for Regional Banking of the Commonwealth Bank. Prior to this he held roles of Acting Group Chief Risk Officer and 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.

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.

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.

Mike Ritchie

Mike returned to KPMG in 1999 after acquiring three years in industry managing Enterprise Risk. he is the former leader of KPMG's Enterprise Risk Management practice and currently leads the Operational Risk Management and compliance practice and has been involved in methodlogy development and implementation, workshop and interview facilitation, framework and regulatory reviews, and risk reporting.

Mike has industry experience in Banking and Finance, Government, Manufacturing, telecommunications and Mining. Country expereince includes Australia, China, Korea, Singapore, malaysia, Taiwan, UK and New Zealand.

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.

David Bannatyne

David Bannatyne is the Chief Risk Officer - Group Business Services at the National Australia Bank (NAB). David’s prior roles at NAB include Chief Risk Officer - Corporate Centre and Group General Manager - Operational Risk and Security.

Prior to joining the NAB in early 2005, David was the CEO - Australia/Pacific for Control Risks Group a London based business risk consultancy. David has spent 24 years working in the field of risk management.

Karen Smith-Pomeroy

Karen works as the Chief Risk Officer Banking and has been with Suncorp for eleven years.

During her time with Suncorp Karen has worked predominantly in Credit and Risk. In 2006 Karen moved to the role of EGM, Customer Development & Operations for Business Banking looking after product and strategy development for the Business Divisions. Karen is a qualified accountant and member of National Institute of Accountants.

Prior to joining Suncorp Karen worked for a number of years with the CBA, working in senior management roles across 2 states, predominantly in business lending and risk areas.

Karen is also a director of Tarong Energy Limited. Tarong is a Queensland government owned corporation which supplies about one quarter of Queensland's electricity supply.