Governance & Committee Structure

Our Board
The Board have delegated specific operational authority to various Committees which have carriage for setting policy for management.

Our Board has a diverse set of skills and experience relevant to the underlying business

staff photo Chairman of the Board:
Mr D.E. (David) Bird
– LL.M, GAICD, Dip.SM, Grad.Cert.Bus.Comm.    Read full bio >

Independent Chairman David Bird is a qualified lawyer. He practiced as such for 16 years in his own practice, in house counsel for statutory authorities and a major city law firm.

During 1992-1993 he was a Senior Consultant (Legal and Institutional Strengthening) to the Asia Development Bank. For the past sixteen years he has been coaching and consulting in the field of winning business presentations. His specialist consulting field includes that of competitive business bids.David is a most experienced Director and Chairman and resides in Melbourne.

staff photo Deputy Chairman:
Mr John Marriott
– SNF Fin    Read full bio >

John Marriott is a most experienced Senior Corporate and Commercial Banker having over 40 years experience with 3 of Australia’s major Banks, NAB, Westpac and the ANZ.

He was seconded to NAB's Merchant Bank First National for 25 years and worked specifically on M&A transactions.

Whilst at NAB John experienced senior roles in Corporate and Institutional Banking, Credit, Project & Structured Finance and was Head of the largest commercial business district in Australia. He was also the Head of NAB's Major Client Group in Victoria.

At Westpac John was appointed Head of Business Acquisition in Victoria and replicated the acquisition model in establishing businesses for the Bank in both NSW and QLD as major successes for the Bank. Following this he was appointed as State General Manager, Victoria for Premium Commercial Business which also included responsibility for the Bank's Property Divisions in Victoria and West Australia and the Business Acquisition team in Victoria.

John is a past Director of Corporate Acquisitions in Corporate Banking in Victoria for the ANZ Banking Group.

John resides in Melbourne.

staff photo President & CEO (Managing Director):
Mr G.K. (Greg) O'Neill
– BEc., SF Fin(Life)    Read full bio >    (wiki)

Greg O’Neill is a qualified economist whose previous experience involved positions as Account Manager with the American Computer company NCR Australia Limited , Trainee Company Secretary at Security Permanent Building Society in Victoria and Advance Bank (Australia) Ltd.

Greg is a Fellow of the Australian Institute of Company Directors, a Life Fellow of the Australasian Institute of Banking and Finance, and a past member of the International Committee of the Mortgage Bankers Association of America.

Since joining La Trobe Financial, he has participated directly in reporting to the Group’s Board of Directors and continues the most active Fund Raising activities of La Trobe Financial.

Greg is a past Chairman of the National Basketball League (NBL) Melbourne Tigers Basketball Club (2006-2009), during which the Club appeared in four finals, winning two National Championships. He is currently an Ambassador for Basketball Australia's elite program, and has attended the past two Olympic Games with the men's national team the Boomers in Beijing and London.

Greg resides in Melbourne.

staff photo Independent Director:
Mr Hung Fei Chan
– LL.M    Read full bio >

Mr Hung Fei Chan, a director of La Trobe Financial is a lawyer qualified to practice law both in Australia and China. He has nearly 30 years’ experience in advising on cross border investment transactions to companies from China, Hong Kong, Australia and the United States.

Mr Chan is also involved in the higher education sphere, he was appointed as a research fellow by Tsing Hua University, a leading University in China and manages continued education courses and research programs in Beijing and Hong Kong for the University.

Mr Chan's work experience includes acting as a director and the company secretary of an ASX public listed company. Before this he was the corporate Advisory Director of a large Hong Kong publicly listed company, a director and general manager of Vision (Shenzhen) Business Park Co Ltd. in China, a property development company situated in Shenzhen High-Tech Industrial Park China which is controlled by the Fraser and Neave Group from Singapore.

From 1989 to 2002 Mr Chan held senior positions in a number of publicly listed companies and international law firms in Hong Kong, and Australia where he worked for top ten Australian law firms, including Minter Ellison Lawyers, Corrs Chambers Westgarth and the Corporation at United States as a director and senior lawyer. He received his Master of Law Degree from the University of Melbourne

He is based in Hong Kong to assist the Company expand its Shanghai Office and network in the Greater China region.

Division 1: REAL ESTATE CREDIT
Origination & Credit Committee (OCC). Established: 1988.
Committee responsibilites:
  • Lending Products
  • Distribution
  • Impairment Reporting
  • Credit Acceptance Criteria
Divisional Heads:
Mr Rowan Donohoue – LLB(Hons), BA
Senior Vice President, Chief Operating Officer (COO).
   Read full bio >

Rowan Donohoue joined La Trobe Financial in 2009 as the Chief Legal Counsel for the La Trobe Financial group and in June 2017 was appointed Senior Vice President, Chief Operating Officer (COO).

Prior to La Trobe Financial, Rowan worked at Clayton Utz lawyers as a solicitor for 5 years with a focus on Commercial Litigation and corporate matters. Preceding to joining Clayton Utz, Rowan worked at a mid-tier commercial law firm in Adelaide, South Australia and also spent time in Hanoi, Vietnam working for the Vietnamese government’s Institute for International Relations (IIR). Rowan is Secretary of the Remuneration & Finance Committee (“RFC) and a member of the Origination & Credit Committee (OCC).

Rowan holds degrees in Law (Honours) and Arts (Politics) from Flinders University, and is admitted as a solicitor in the High Court of Australia, and the Supreme Courts of Victoria and South Australia

Cory Bannister – Dip ML, AdvDipBusAcc
Vice President, Chief Lending Officer (CLO).
   Read full bio >

Cory Bannister has been with La Trobe Financial since January 2000, specialising in the origination and assessment of credit, management of mortgage portfolios and delinquent loans.

During the past 5 years, Cory has held separately both Head of Credit and Head of Distribution roles for La Trobe Financial, giving him a rich understanding of both the loan origination process via the third-party channel, along with responsibility for the approval and settlement of institutional and retail loans. Since 2007, Cory has the highest level of delegated lending authority in the La Trobe Financial Group.

Cory's portfolio management experience extends to the selection and allocation of assets for multiple wholesale mortgage portfolios in excess of $1 billion. He has been responsible for the management, review, risk profiling and audit of wholesale asset pools. He has had conduct of the relationships with substantial wholesale and retail investors and been responsible for overseeing reporting in relation to these.

Cory has now been appointed Vice President, Chief Lending Officer, is Chairman of the Origination & Credit Committee (OCC) and member of the Markets Funding & Rates Committee (MFR).

Key Executives:
Bev Christou – DipMF
Vice President, Head of HR & Credit Admin.
   Read full bio >

Bev Christou joined La Trobe Financial as the Assistant Manager of the Settlements Department in June 2001. Bev came to us with 20 years finance experience and knowledge.

Her previous roles as Bank Branch Manager and Personal Banking Manager included underwriting and settling personal, home and commercial loans in addition to managing branch staff, targets and budgets.

Bev was promoted to La Trobe Financial's Settlements Manager in December 2001. She progressed through the Lending Department as Manager overseeing staff, processes, underwriting and settlements of loans.

In February 2011, Bev was promoted to the Executive Head of Custody Operations where she oversees the Discharge, Securities, Customer Service and Records Management departments and is heavily involved with La Trobe Financial's Human Resource requirements.

Bev has a Diploma in Mortgage Finance and with her interpersonal and customer focus skills is an important new member of our Executive team.

Bev is a member of the Audit & Risk Committee (ARC)

Steve Lawrence
Vice President, Head of Credit.
   Read full bio >

Steve Lawrence has been employed in the banking industry since 1978 and has held senior operational and lending roles in substantial organisations in London, Sydney and Melbourne, including Reliance Bank Ltd (UK), Prudential Assurance Co. Ltd (UK), Australian Bank Ltd (Sydney), Advance Bank Australia Ltd (Melbourne), Overseas Chinese Banking Corporation (OCBC) (Melbourne) and Westwater Property Group Pty Ltd (Melbourne).

Steve has approximately 25 years of specific lending experience focused both on residential and commercial lending. He has established and managed start-up mortgage origination programs, overseen credit departments, been responsible for adherence to credit policies, underwritten and managed A$300 million credit facilities and underwritten substantial commercial loans of up to A$45 million in size. He also has significant experience in the management of delinquent loans and management of mortgage book portfolios.

Since joining La Trobe Financial, he has been our senior commercial lending analyst with responsibility for primary underwriting and management of the group's most complex and substantial investments. Since February 2011, Steve has also had complete operational oversight (subject to the Origination & Credit Committee) of the Fund's lending activities.

Throughout his career, Steve has been responsible for the operations of numerous departments and teams, including over seventeen years directly managing substantial underwriting teams. His substantial experience and expertise in the industry is of significant advantage to the Credit Fund.

Steve is Deputy Chairman of the Origination & Credit Committee (OCC) and a member of the Audit & Risk Committee (ARc).

Linkda Gorski – Dip FS, Cert IV (MB)
Head of Resi Origination.
   Read full bio >

Linda Gorski joined La Trobe Financial in November 2008 after many years experience working in the Institutional banking industry in both Residential and Commercial Lending.

Initially employed as a Credit Analyst within the Lending Department, she was then promoted to Manager of the Asset Retention Team.

In April 2016 Linda was further promoted to Head of Resi Origination. Linda has a strong desire to succeed and a passionate work ethic.

She holds a Diploma of Financial Services, Certificate IV in Financial/Mortgage Brokering and has extensive knowledge and experience of the financial legislation.

Linda is a member of the Origination & Credit Committee (OCC).

Mark Hood – BComm, Dip FS
Head of Commercial Origination.
   Read full bio >

Mark Hood is the Head of Commercial Origination for La Trobe Financial.

He joined La Trobe Financial with over 18 years’ experience within the finance sector, with nine years at the ANZ Bank and another nine spent in third party origination.

Mark holds a Diploma in Financial Services and a Bachelor of Commerce in Finance and Financial Planning.

Leanne Seymour – Dip ML
Head of Settlements.
   Read full bio >

Leanne Seymour has been with La Trobe Financial for over 11 years and in April 2016 was promoted from Manager of the Settlements Team to Executive General Manager – Head of Settlements.

She commenced her career in 2004 as an Administration Assistant in the Lending Department before taking the role as Acting Manager of the Settlement Department in 2006.

In late 2007 Leanne returned to the Lending department to assist the Closure Unit during a particularly busy period.

Having a flair for settlements Leanne remained with the Closure Unit until the end of 2008 when a new challenge presented itself joining the Discharge and Securities department.

In March 2009 Leanne moved to Melbourne and had the opportunity to transfer to our Head Office with a Loan Closure position created for her. Leanne has completed her Diploma of Mortgage Lending.

Leanne is the secretary of the Origination & Credit Committee (OCC).

Division 2: WEALTH MANAGEMENT & CUSTODY
Markets, Funding & Rates Committee (MFR). Established: 1994.
MFR Committee responsibilites:
  • Rate Management
  • Pricing
  • Hedging
  • Liquidity
  • Portfolio Covenants
  • Funding relationships
  • Portfolio covenants
  • Capital market issues
Divisional Heads:
Martin Barry – BSc (Phy Hons)
Senior Vice President, Chief Corporate Treasurer.
   Read full bio >   View Video >

Martin Barry joined La Trobe Financial in our Sydney Office in 2014 as Vice President, Head of Institutional Mandates and was recently appointed Senior Vice President, Chief Corporate Treasurer. He also heads up our Sydney Office.

Working in our Wealth Management & Custody Division, Martin holds a Physics degree from Imperial College London. He started his working life in London at PriceWaterhouseCoopers as a trainee actuary before moving to The Royal Bank of Scotland working in the global securitisation business. During his time with RBS Martin had overseas postings to Tokyo and Sydney. More recently Martin worked for Bank of Tokyo Mitsubishi-UFJ based in Sydney.

Martin is the Chairman of the Markets, Funding & Rates Committee (MFR) and the Deputy Chair of the Remuneration & Finance Committee (RFC).

Chris Andrews – LLB, BComm
Vice President, Chief Investment Officer.
   Read full bio >

Chris joined La Trobe Financial in 2006 from Minter Ellison Lawyers, where he worked as a solicitor for six years with a broad focus on litigation and corporate advice work.

Chris was Senior Legal Counsel for the La Trobe Financial Group between 2006 and 2009. In 2009 he was appointed to Head of Funds Management for theLa Trobe Financial Group and was responsible for the La Trobe Financial Australian Mortgage Fund and was recently appointed as Chief Investment Officer.

Chris is a regular and sought-after commentator on economics, investment and finance with a particular focus on the senior property debt asset class. He has also conducted numerous presentations on property debt and has written articles in various publications including Asian Banking and Finance and Money Matters.

Chris holds degrees in Law (Honours) and Commerce. He is the Deputy Chairman of La Trobe Financial's Markets, Funding & Rates (MFR).

Key Executives:
Ryan Harkness – BBus, MAcct, CA
Vice President, Deputy CIO & Head Debt Capital Markets (DCM).
   Read full bio >

Ryan is a Chartered Accountant who was employed as La Trobe Financial's Group Financial Controller in 2007 following 4 years with PricewaterhouseCoopers as the Senior Accountant and external auditor on a number of major corporations including NAB, Vanguard, Zurich, AXA, AIG and La Trobe Financial. In 2010, Ryan was promoted to Head of Business Innovation and Transformation leading multiple large projects to improve operational efficiencies across the Group.

In 2011 Ryan moved to London and gained international banking experience working with Lloyds Banking Group and the Bank of New York Mellon.

In 2013, Ryan re-joined La Trobe Financial as Vice President and Head of Debt Capital Markets. During his time back at La Trobe Financial, Ryan has also held Executive Management responsibilities within both the Real Estate Credit and Funds Management Divisions. Ryan is also a member of the Markets, Funding & Rates Committee (MFR) and the Origination & Credit Committee (OCC).

Michael Watson – MBA, BBus
Head of Major Clients.
   Read full bio >

Michael Watson is the Head of Major Clients in the Wealth Management & Custody Team based in Melbourne. Michael joined La Trobe Financial in May 2013 as the National Manager, Senior Manager Client Partnerships.

In his role, Michael manages the relationship between financial advisers and dealer groups across Australia, working on strategies to grow their business. With a strong interest in product distribution, Michael is a keen observer of current trends, practices and delivery methods relating to financial products. Prior to joining La Trobe Financial Michael worked extensively within the specialist lending market and business banking. Michael has completed a Bachelor of Business (Economics & Marketing), an MBA (Project Management), a Certificate IV in Financial Services and is PS146 (tier 2) compliant.

Jacki Jennings
Head of Custody.
   Read full bio >

Jacki has been with La Trobe Financial since April 1985. Her wealth of experience has included working stints in Lending, approving and settling loans for borrowers; Financial Control, reconciling banks accounts and preparation of financial statements and; Funds Management, liaising with Investors and allocating Investor Funds to La Trobe Financial’s privately funded loans.

Jacki was promoted to La Trobe Financial Customer Service Manager in July 2009. This role involved overseeing staff, borrower repayment control, discharge of mortgages and property and contents insurance management..

In April 2015, Jacki was promoted to Executive General Manager - Head of Custody. Her role currently involves the management of thirteen (13) staff at our National Custody Centre, Traralgon Office. encompassing all Customer and Call Centre functions and maintaining La Trobe Financial’s high standard of quality service.

Jacki has enjoyed thirty (30) years of service with La Trobe Financial and is another one of our professional female executives.

Jacki is also a member of the Audit & Risk Committee (ARC).

Jason Gidman – BBus, Dip FS, Dip ML
Head of Portfolio Management.
   Read full bio >

Jason joined La Trobe Financial in December 1992. He holds a Bachelor in Business from Monash University (with majors in Accounting and Economics & a sub-major in Business Law).

Since joining La Trobe Financial, Jason has held a number of senior positions across the La Trobe Financial group, originally with a specific focus on both residential and commercial asset origination leading to roles in Asset Management of delinquent loans and the management of both Settlement and Discharge operations. Additional positions have included senior accounting roles for both institutional and retail aspects of the business including the selection and management of group and Fund assets. This experience uniquely positioned him to become the group’s first Portfolio Manager, a role to which he was appointed to in 2003.

Jason is responsible for the full range of the portfolio construction and management issues for the Credit Fund, including asset selection, funding allocation and liquidity & risk management.

Jason has extensive experience in the review, management, audit and profiling of asset pools for the La Trobe Financial group.

Cheree Pedley – Dip FS
Head of Investor Operations.
   Read full bio >

Cheree joined La Trobe Financial in December 2003. Prior to joining the Funds Management Team, Cheree was the Group’s Compliance & Audit Manager.

Prior to joining La Trobe Financial Cheree was employed in a number of supervisory roles at ASIC for over 13 years. This depth of experience has well equipped Cheree to ensure the integrity of the investor processing function.

Caterina Nesci – BBus
Head of Communications & PR.
   Read full bio >

Caterina Nesci is the Head of Communications & PR based in Melbourne and commenced her career with La Trobe Financial in June 2010. As Head of Communications & PR, Caterina assists across multi channels internally and externally. With a strong international background, Caterina covers various aspects of public relations and media from both a strategic and implementation perspective.

Caterina formerly worked for Hogan Lovells, one of the largest full-service global law firms, as the Client Relationship Consultant and was based in Hong Kong. Caterina was responsible for managing some of the firm’s major clients on an Asia basis and 3 major clients globally. Caterina has extensive business development experience and knowledge working with Chinese clients, having previously managed the China Practice for the principal partner for over 10 years at one of Australia’s leading law firms, Norton Rose Fulbright (previously known as Deacons).

Caterina also speaks intermediate Mandarin and is fluent in Italian. Caterina holds a Bachelor in Business and is the 2014 winner of the MAX Award (Marketing, Advertising & Sales Excellence Awards) for Australia’s Marketer of the Year (Investment Management) and a 2014 Finalist Marketing & Communications Manager of the Year (Women in Financial Services).

Division 3: FINANCE & TECHNOLOGY
Remuneration & Finance Committee (RFC). Established: 1987.
Committee responsibilities:
  • Financial Forecasts
  • Budgets
  • Funding Strategy
  • Human Resources
Division Heads:
Mr Rob Clough – BComm, MBA, CA
Senior Vice President, Chief Financial Officer (CFO).
   Read full bio >

Rob is a Chartered Accountant who was employed as La Trobe Financial’s Chief Financial Officer in March 2008. He previously worked with PricewaterhouseCoopers and its predecessor Coopers & Lybrand ("C&L") for over 20 years.

He previously worked with PricewaterhouseCoopers and its predecessor Coopers & Lybrand ("C&L") for over 20 years where he managed the audits of a number of major corporations including AAMI, RACV, Cricket Australia and Australian Foundation Investment Company ("AFIC").

From 1995 to 1997 Rob was seconded to C&L's Copenhagen office. He holds both a Bachelor of Commerce and Masters of Business Administration from the University of Melbourne.

As the former audit director responsible for La Trobe Financial from 2004 to 2006, Rob already has a strong understanding of La Trobe's operations. In addition to his understanding of systems and processes of a variety of financial services organisations, Rob's audit experience has included due diligences for acquisitions, assessments of potential agency representatives and the preparation of submissions to regulators, which are of value in his role of CFO of La Trobe Financial.

As well as his significant audit experience, for a two year period Rob was the Group Manager for PwC's Melbourne Financial Services audit practice. These general management skills are supplemented by Rob's strong technical skills which were utilised as the editor for several years of PwC's Insurance Facts & Figures and Value Accounts Insurance publications and his role of AIFRS transition "champion" for PwC's Melbourne Financial Services audit practice.

Mr Clough is Chairman of the Remuneration & Finance Committee (RFC) and a member of the Markets, Funding & Rates Committee (MFR).

Cameron Walker – BBus, CA, SA Fin
Vice President, Deputy Chief Financial Officer.
   Read full bio >

Cameron Walker was employed as La Trobe Financial’s Group Financial Controller in September 2011. His 18 years of practical experience includes 10 years within the Chartered Accounting Profession with a further 8 years within the financial services industry.

Cameron Walker is a Chartered Accountant who was employed as La Trobe Financial's Group Financial Controller in September 2011. His 18 years of practical experience includes 10 years within the Chartered Accounting Profession with a further 8 years within the financial services industry.

He holds both a Bachelor of Business (Majoring in Accounting and Organisational Behaviour) from Swinburne University and Graduate Diploma of Applied Finance and Investment from Financial Services Industry of Australasia (FINSIA). As an audit engagement manager he managed the audits and advised upon the internal operational procedures for a number of major corporations. During 2000 Cameron was seconded to BDO Seidmans' Los Angeles office. For a period of over 5 years Cameron was employed by wealth manager IOOF Holdings Ltd, a top 150 ASX listed entity. As Head of Statutory Reporting he was engaged to provide sound technical advice. He was instrumental with the due diligence, integration of acquired entities and centralisation of key corporate functions.

Cameron is a member of the Audit and Risk Committee (ARC).

Key Executive:
Robyn Eacott
Head of Business Analysis - IT.
   Read full bio >

Robyn joined La Trobe Financial in April 1985. Her wealth of experience stems from working in various roles including Lending - approving and settling loans for borrowers; Financial Control - reconciling bank accounts and preparing financial statements, Funds Management - liaising with investors and allocating investor funds; Internal Audit - reviewing internal processes and Personal Assistant to our COO.

Robyn’s commitment, loyalty and dedication towards La Trobe Financial is invaluable and in 1996, Robyn was awarded the company’s Hall of Fame Award in recognition of exemplary service, an award voted by her peers. In 2010, Robyn was awarded the Distinguished Service Medal (DSM). The DSM is the company’s highest level of individual recognition.

In August 2014, Robyn was promoted to her current position of Head of Business Analysis within our IT Division. Her current role involves the management of enhancements for the various technology platforms across the company.

Richard Parry – BBus, CPA
Head of Group Portfolio Management.
   Read full bio >

Richard Parry started with La Trobe Financial in March 2006 as an Accountant. In 2008 he became a Financial Analyst and then as a Senior Accountant.

In April 2016, he was promoted to Head of Group Portfolio Management. Richard holds a Bachelor of Business with a Major in Accounting from Monash University, and is also a member of CPA, which he obtained during time with La Trobe Financial.

Division 4: RISK & CORPORATE GOVERNANCE
Audit & Risk Committee (ARC). Established: 1997.
Committee responsibilities:
  • Licensing
  • IT Ops
  • Portfolio Risk Management
  • Group Training
  • Compliance
  • Internal Audit
Division Heads:
Mr Randal Williams – LLB, B.Comm, BA, AMusA, Dip Fin
Senior Vice President, Chief Risk Officer (CRO)
   Read full bio >

Randal Williams joined La Trobe Financial as Head of Legal & Compliance in 2003, and has recently been appointed Chief Risk Officer. Randal, a professional corporate lawyer by training, has a wide-ranging background in law, funds management, and real estate credit.

He commenced his legal career with Mallesons in Melbourne, and has held senior positions with fund managers AXA and Australian Unity, and with leading industry superannuation fund, HESTA.

Randal has held a number of different key positions at La Trobe Financial. Initially recruited as our Head of Legal & Compliance, a position which he held for three years, Randal has filled the role of Company Secretary for two years, headed the Wealth Management Division of La Trobe Financial for another three years, including a focus on the Group's international operations, and most recently, prior to his current appointment, was the Group's Chief Lending Officer.

Randal is a member of the Audit & Risk Committee (ARC) and Remuneration & Finance Committee (RFC).

Key Executive:
Shaun Wright – BEC NCertEng
Head of Asset Management.
   Read full bio >

Shaun Wright joined La Trobe Financial in May 2007 as Commercial Manager in the Asset Management Team, with responsibility for managing the Early Arrears accounts, and the Collections strategies and processes.

Shaun came to La Trobe Financial after 21 years with the National Australia Bank, holding a number of Management positions within the National Australia Bank's Consumer Collections Division both in Australia and its UK based Banking Operations. During his time with NAB Shaun gained experience in Collections Strategy Management, Behavioural Scoring, Litigation, Agency Management, Telephone Collections, Collections Systems, Business Risk, Business Analysis and Project Management.

Shaun is a member of the Origination & Credit (OCC).

Richard Anstey – LLB, BBus
Deputy Chief Risk Officer.
   Read full bio >

Richard joined La Trobe Financial in August 2007. Richard has Bachelor Degrees in Law and Business (Banking and Finance) and has management experience in the building industry.

He spent the initial part of his career at La Trobe Financial with a risk management focus, first as an Internal Auditor before being promoted to Compliance and Audit Manager in early 2009. His responsibilities during this time were centred on identifying and managing asset selection, financial, regulatory and operational risks across the La Trobe Financial group in general and within the Fund in particular. This role included significant exposure to La Trobe Financial's credit operations and decision making processes through the design and implementation of the company's Loan File audit procedures.

Richard spent four years as a Portfolio Manager from 2011 to 2015 taking responsibility for the full range of portfolio construction and management issues for the groups Credit Fund and Institutional facilities, including asset selection, funding allocation and risk management. He has acted as Secretary for the Group's peak Audit and Risk Committee (ARC), and Markets Funding & Rates Committees (MFR).

In 2016, Richard was appointed Head of Credit where he was responsible for the management and operations of the Commercial Credit team. In 2017, Richard joined the Risk & Corporate Governance Division as the Deputy Chief Risk Officer. He is Deputy Chairman of the Audit & Risk Committee (ARC) and a member of the Origination and Credit Committee (OCC).