Governance and Management Committee

RMA Australia is  a not-for profit association governed by a Management Committee, elected annually.  The committee is responsible for the management, coordination and long-term development of the Association. The committee is composed of senior executive risk management professionals who represent the Institutional membership. 

Your RMA Management Committee

President: Chris Williams - Chief Risk Officer, Business & Private Bank​, Commonwealth Bank of Australia

Vice President: Mike Ritchie - Partner, Financial Risk Management, KPMG

Treasurer:  Megan Readdy, Chief Risk Officer, Credit Union Australia

Secretary: Kylie Rixon, Chief Risk Officer, Digital & Wealth Australia, ANZ Bank

General Committee Members (including as alternate):

Catherine Thrum ​ - Head of Commercial Credit, Credit Risk, Westpac

Kerrie Noonan, General Manager Group Operational Risk & Compliance, National Australia Bank

Rick Crethar, Partner, Consulting Leader, PricewaterhouseCoopers

Bosco Mendez, Head of Commerical Credit Risk, Bendigo & Adelaide Bank

Megan Holt, Executive Director Financial Services, Ernst & Young

Teena Rowell, Chief Risk Officer Customer Marketplace & Technology, Suncorp Group






Chris WilliamsPresident: Chris Williams

Chief Risk Officer, Business and Private Banking, Commonwealth Bank of Australia 

Chris has over 36 years banking experience at Commonwealth Bank and is currently the Chief Risk Officer for the Business & Private Bank which is the second largest division of the Commonwealth Bank of Australia.

Chris leads a team of over 200 risk staff nationally that provide credit risk assessment, Operational Risk Control and Compliance Oversight for the Business in Private Bank which supports financing activities to Small and Medium sized enterprises, Regional & Agri banking customers, Private Bank customers as well as the CommSec business.

Prior to his current role, Chris held the position of General Manager Institutional Client Coverage, Risk Management, covering the risk decisioning of the Institutional Banking & Markets division, a role he had held for over 9 years.

Chris has worked throughout Australia and some two years in the United Kingdom and four years in the USA (New York).


Mike RitchieVice President: Mike Ritchie

Partner, Financial Risk Management, KPMG

Mike Ritchie is the partner of KPMG’s Financial Risk Management practice. He has been a partner in the FRM team since 2005.

Mike is focussed on the design and implementation of effective and efficient risk management and compliance frameworks for clients in such diverse industries as banking and finance, government, telecommunications and mining.

Mike has over sixteen years Risk Management experience both as a consultant and commercially and has been involved in creating or refining the design of Basel II Compliant Risk Management frameworks for major banks in Australia and internationally. He has worked in Australia, China, Korea, Singapore, Malaysia, Taiwan, the UK and New Zealand.


Megan ReaddyTreasurer: Megan Readdy

Chief Risk Officer, Credit Union Australia (CUA)

Megan joined CUA in February 2017 and leads the development, implementation, challenge and assurance of CUA’s risk management strategy. The risk team’s focus is to proactively drive a culture of best practice risk management. 

Megan is an enthusiastic advocate for CUA’s role in the community and
outside of work, she is passionate about supporting local issues and

An experienced risk and finance professional with more than 20 years’
experience, much of Megan’s career has been with Macquarie Group and
Suncorp Bank. Her career began in lending and she has a deep understanding of financial services, having also worked across a variety of other roles in credit assurance and credit policy, Treasury and capital management and risk.

More recently, Megan has held executive positions with responsibility for
areas including the management of capital, forecasting, business
performance and enterprise-wide initiatives associated with the Basel
regulatory framework and prudential banking standards.


Kylie RixonSecretary: Kylie Rixon

Chief Risk Officer, Digitial & Wealth Australia, ANZ Banking Group

Kylie joined ANZ in 2012 and is currently the Chief Risk Officer for Global Wealth. Kylie works closely with Risk and business leaders in Australia, New Zealand and Asia Pacific to build a strong risk management framework as an integral part of Wealth’s model globally.

Prior to joining ANZ, Kylie was a partner at PwC in Financial Services and led the Regulatory Risk consulting practice in Australia. Having worked in London and Australia, Kylie has a strong background in wealth management with more than 15 years experience providing advice to wealth boards, large wealth managers and insurers.

Kylie is a Commerce graduate of the University of Queensland and is a Chartered Accountant.




Catherine ThrumCatherine Thrum 

Head of Commerical Credit, Credit Risk, Westpac

Catherine is the Head of Commerical Credit, Credit Risk at Westpac Banking Group. Catherine's role encompasses risk appetite, portfolio risk and policy. Catherine is a member of Westpac's Sustainability Council. 

Catherine regularly represents the Bank on industry working groups and is Westpac's representative on the Risk Management Association Management Committee.    

Catherine's key areas of interest include best practice risk governance, risk culture and strategy and sustainability. A strong supporter of women in risk, Catherine mentors a number of promising young Risk professionals. 

Prior to her current role, Catherine held various roles within Westpac including in Group, Heading Credit Policy and Risk Governance and in the Institutional Bank in both the structured asset-backed finance and debt capital markets businesses.

Catherine has a business degree from the University of Technology, has completed AGSM Executive Programs in Leadership and Strategy and is an AFMA Accredited Dealer.

Kerrie NoonanKerrie Noonan

General Manager Group Operational Risk & Compliance, National Australia Bank

Kerrie’s experience includes a wide range of senior risk and capital management roles across banking and life insurance sectors. 

As General Manager Enterprise Operational Risk & Compliance. Kerrie’s responsibilities include the Operational Risk, Compliance and Financial Crime framework for the organisation, as well as responsibility for credit and operational risk modelling and measurement across the Group, enterprise wide stress testing and credit risk provisioning.

Prior to joining NAB in 2010, Kerrie spent over 10 years in the UK, Ireland and Germany working in Retail Banking in a range of leadership roles from operational to strategic within Treasury and Risk Management particularly focused on building strong teams and operational excellence in environments which are dealing with increasing internal expectations and increasing complexity of regulatory expectations.  

Kerrie is an Actuary and commenced her career with Norwich Union Australia and Prudential Assurance Company, UK. 


rick cretharRick Crethar

Partner, Consulting Leader, PwC

Rick leads PwC's Risk practice in Australia - which has 300 people specialising in risk management, fraud risk and forensics, actuarial services and Cyber risk management. He has 25 years’ experience in risk management and assurance-related services.

Rick has worked with leading companies in Financial Services, Retail, Consumer, Industrial and Construction in Australia, UK and Asia. His experience includes risk management design and implementation, improving risk operating models, risk measurement and reporting, specific risk management methods and related assurance activities including management self-assessments, project evaluations, internal audits and special investigations.


Bosco MendezBosco Mendez

Head of Commerical Credit Risk, Bendigo & Adelaide Bank

Bosco is the Head Of Commercial Credit at Bendigo and Adelaide Bank, and has overall responsibility for the
quality of commercial loans originated across the Bank’s network. Bosco is alternate chair and member of the Bank’s Management Credit Committee and the Credit Committee for the Bank’s subsidiary Rural Bank.

Prior to joining Bendigo in 2013 Bosco spent over 20 years with the CBA in various roles with the last 16 years in credit risk, most of which were looking after clients in the Institutional Banking segment with industry
specialisations in Transport, Aviation, Infrastructure, Retail and Healthcare.

He has a Bachelor of Business – Banking & Finance, as well as a Masters of Applied Finance.


Megan HoltMegan Holt

Executive Director Financial Services, Ernst & Young

Megan brings over 15 years of experience assisting financial institutions improve their risk management operations and execute on regulatory initiatives. Prior to joining Ernst & Young, Megan spent five years at APRA and the RBA, where she contributed to client supervision, risk inspections, transaction approvals and various regulatory initiatives.

Megan works with large conglomerate groups and banks with risk transformations, regulatory change projects, new market entry, embedding risk management and risk assurance.



Teena RowellTeena Rowell 

Chief Risk Officer Customer Marketplace & Technology, Suncorp Group

Teena Rowell joined Suncorp in 2000, and is currently Chief Risk Officer Customer Marketplace & Technology. Teena leads the implementation of enterprise risk frameworks and systems, driving awareness of key risks and promoting a strong risk culture.  Teena also works with senior leadership in Suncorp's Customer functions to build strong risk management that supports the group's customer led strategy.

Teena has held senior executive positions in the Risk division since 2010, and was previously Chief Risk Officer of the technology and corporate functions.  Prior to joining Risk, she worked in senior finance roles including CFO of the technology and shared services function.

Teena is a Chartered Accountant and prior to joining Suncorp worked at KPMG for 10 years, with industry specialisation in Financial Services and Energy and Natural Resources.