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St.George Foundation

Executive Team - St.George Banking Group

George Frazis - Chief Executive Officer, St.George Banking Group

George Frazis

George was appointed Chief Executive Officer, St.George Banking Group in April 2012. Prior to this appointment, George joined the Westpac Group in March 2009 as Chief Executive, Westpac New Zealand Limited.

George is highly experienced in the financial services industry. He was formerly Group Executive General Manager at National Australia Bank. Prior to that, George was a senior executive in Commonwealth Bank of Australia's Institutional Banking Division and has also been a partner with the Boston Consulting Group in both Sydney and London. George started his career as an Engineering Officer in the Royal Australian Air Force with 77 Squadron, responsible for the maintenance of F/A-18 Fighter Jets.

Andrew Fell - General Manager St.George Retail Banking

Andrew Fell

Andy joined the St.George team in June 2012 to head up the newly formed Retail Banking division and is responsible for the growth and success of our branch and home lending network across New South Wales, Queensland and Western Australia.

Andy has more than 20 years experience in the financial services industry, including more than two years with the Westpac Group where he had great success leading the Westpac Retail and Business Banking in Queensland and most recently heading up the Premium Financial Services division.

Before coming to Australia, Andy worked for RBS and Nat West in the United Kingdom. His roles included Director of Mortgages, Head of Learning and Director of Retail Banking; where he was responsible for 200 branches and more than 2,000 people.

Originally from Birmingham in the UK, Andy now lives in Sydney with his wife Leona and their three daughters - Emma, Lucy and Lily. Tom, Andy's son, lives in the UK and visits often. Andy is passionate about learning and personal development.

Phillip Godkin - General Manager St.George Business Banking

Phillip Godkin

Phillip Godkin was appointed General Manager, St.George Business Banking in June 2012, with responsibility for all aspects of the Business Banking segments nationally.

Phillip has been with the Westpac Group for over seventeen years in a variety of roles including leading the Equities business in BT Financial Group and Westpac’s Debt Capital Markets business which incorporates bilateral and syndicated lending, securitisation and asset finance, project finance and corporate and institutional bond issuance.

Phillip was responsible for establishing the Corporate Banking team in Westpac Institutional Bank, which includes the Bank's business with non-investment grade corporates and leveraged acquisition finance.

Phillip also spent three years in the UK as the Managing Director, Europe and America for Westpac Institutional Bank. Prior to moving to London, Phillip was the Global Head of Westpac's Financial Institutions, Health and Government business.

Before joining Westpac, Phillip enjoyed a successful career as an equity analyst covering a range of sectors. He is married with two teenage daughters.

Paul Harvey - HR Director, St.George Banking Group

Paul Harvey

Paul Harvey was appointed HR Director for St. George Banking Group (SBG) in February 2014. He is responsible for leading the Human Resources and Communications functions across the four brands and driving the people strategy for the Group.

Paul has an in-depth knowledge and understanding of SBG’s culture having originally joined St.George in 2001, working in a number of senior human resources roles, before moving to the wider Westpac Group People Team in late 2010.

At Westpac Group, Paul’s roles focused on performance and reward management. His position immediately prior to joining the SBG Executive Team was Head of Reward and Performance, Australian Financial Services. Here he led a number of programs to align the remuneration of employees at all levels of the organisation with the long-term and sustainable growth of the company.

Paul’s passion is developing organisational cultures where everyone understands the company’s vision, knows how their role contributes to it, and feels empowered to make it happen. He’s also a strong advocate for workplace diversity and sees creating a culture where every individual can fulfil their full potential as crucial to business success.

Paul is a member of the Australian Human Resource Institute and holds a Master of Commerce from the University of Western Sydney.

Outside of work, Paul and his wife Jill spend much of their free time on the sidelines of their two children’s sporting matches.

Martine Jager - CEO RAMS, and General Manager, Marketing, Customer Experience & Mortgage Broking

Martine Jager

Martine Jager is CEO RAMS, and General Manager, Marketing, Customer Experience & Mortgage Broking, St.George Banking Group. Martine joined the St.George Banking Group in November 2012 and was announced as the CEO of RAMS and General Manager of Mortgage Broking in November 2013.

In her role, Martine is responsible for the leadership and growth of the RAMS brand and business, as well as the St.George broker business nationally. On top of this, she works hard to ensure that we continue to deliver world class marketing campaigns for all of the Group’s brands and provide outstanding customer experience by putting customers at the heart of everything we do.

Prior to joining the St.George Banking Group, Martine was General Manager, Marketing & Customer Experience at Westpac New Zealand, where she was instrumental in the transformation of the Westpac brand.

Prior to joining Westpac, Martine was General Manager in Marketing and Sales & Distribution at National Australia Bank for 5 years. During this time, Martine was responsible for mobile mortgage management, small business banking and NAB’s multi-million dollar sponsorship of the Melbourne 2006 Commonwealth Games.

Martine is known for her genuine passion for people, and this combined with her strong leadership skills means she develops highly engaged and motivated teams which deliver outstanding results. She is also a Governor of St.George Foundation, which helps support charities that look after disadvantaged children in Australia.

Dhiren Kulkarni – Chief Information Officer

Dhiren Kulkarni
MSc  MBA and AMP (Kellogg)

Dhiren Kulkarni was appointed as Chief Information Officer on 1 December, 2009. Immediately prior to this, he served as Joint Chief Information Officer of St.George Bank for a year.

Dhiren has worked at St.George since 1986. Between 2000 and 2008 he was General Manager of Project Delivery. During this time he was responsible for developing and implementing St.George channels and core systems. Dhiren also has responsibility for Customer Advocacy in Westpac Technology.

Dhiren has a Masters in Physics and an MBA from the Indian Institute of Management, Bangalore.  

Dhiren migrated to Australia 28 years ago. He is married to Ajita and has two children. He loves bushwalking, movies, sports and Googling.

Nick Reade - Chief Executive, BankSA

Nick Reade

Nick joined St.George Banking Group as BankSA’s Chief Executive in March 2014. As an experienced Retail and Commercial banker, passionate about innovation and small business, Nick is perfectly placed to lead the end-to-end business of this iconic state brand.

Nick has over 25 years of financial services experience spanning funds management, stockbroking and banking. Following a time at CommSec, where Nick was Head of Marketing, he has maintained a keen interest in how financial services organisations can better engage with their customers through digital channels.

Prior to joining the SBG Executive Team, Nick was at ANZ for 14 years, where he held a variety of senior roles. Initially, he was Marketing Director for anz.com, followed by running ANZ’s Personal Loans business and Credit Cards business. More recently, Nick was responsible for SME banking nationally and Corporate and Commercial banking in South Australia, as well as leading the innovation agenda for ANZ’s Corporate and Commercial bank.

Nick received his Bachelor of Management and Marketing from the University of South Australia and later studied in Paris as part of the INSEAD Advanced Management Programme.

Peter Sarantzouklis - Chief Financial Officer, St.George Banking Group

Peter Sarantzouklis

Peter Sarantzouklis was appointed to the role of Chief Financial Officer for St.George Banking Group in April 2012.

Prior to joining St.George Banking Group, Peter was the Head of Products for Westpac Retail & Business Banking in New Zealand where he worked as part of the Westpac New Zealand leadership team for four years. Before joining Westpac, Peter was at GE Money Australia for nine years, holding a number of senior roles across distribution, quality management, product and programme management. His last role was product and quality director of Retail Cards Solutions.

Peter holds a Bachelor of Business, Marketing degree and an MBA from Charles Sturt University

Peter is married and has three boys under the age of five and enjoys spending time with his family and friends.

Scott Tanner - Chief Executive, Bank of Melbourne

Scott Tanner
B.App Sci (Math) RMIT, FAICD, MBA (Melbourne Business School)

Scott Tanner has over 25 years’ experience in the banking and financial services industry and was appointed Chief Executive of Bank of Melbourne on 10 March, 2011. Scott is leading the transition of St.George to Bank of Melbourne in Victoria and developing Bank of Melbourne into the retail and business bank of choice in Victoria.

Prior to this, Scott was a Director at a global business consulting firm, Bain & Company, where he held a number of senior roles during his 15 year tenure, including Head of Bain’s Melbourne Office (which he opened in 2000) and spearheading the firm’s Customer Strategy and Marketing Practice in Asia Pacific. He forged significant experience in international finance markets while at Bain, leading the firm’s Asia Pacific Financial Services Practice for six years from 2000 and acting as Bain’s key advisor to Westpac on the development of its multi-brand strategy.

Before joining Bain, Scott was Head of Strategic Marketing at NAB where he led the strategic analytic engine within the Australian Group under Don Argus for a number of years. Following this, he served briefly as Head of Premium Customers at NAB.

Melbourne born and bred, Scott has three children and is active in the Melbourne business, education and sports communities. He is a Director of Tennis Australia, a Trustee of Melbourne Olympic Parks Trust, and a Fellow of the Australian Institute of Company Directors. Scott also acts as strategy and planning adviser to the Board of the Melbourne Business School.