Xinja team

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The Xinja team includes experts in banking & financial services, human centred design, customer experience & marketing, and technology and operations. Combining experience from across these industries, ensures solutions are solid – reliable, compliant and well engineered – but also delightful 🙂

Xinja board / board advisors

Lindley Edwards, Chair

Lindley Edwards, Chair

Lindley has had a long career in financial services. She has been the Group CEO of AFG Venture Group since 2009. She is also a Board member for Grameen Foundation Australia and National Bank of Vanuatu as well as other boards. She spent a decade of her career split between Macquarie Bank and Citibank, was inducted in the Telstra Australian Business Woman Hall of Fame in 2000, and is a passionate advocate for the power of good banking and financial inclusion to bring positive social change.

Craig Swanger

Craig Swanger

Craig, also a senior figure in the financial services industry, is currently the Chief Investment Officer of Revolver Capital, a specialist in investing and advising private companies in technology and financial services. Previously he spent 15 years at Macquarie Bank most recently as their Chief Investment Officer and Head of Innovation, where he was responsible for more than US$10bn under management across 14 countries and in a wide range of asset classes, from venture capital to debt market products.

Jason Bates, Board Advisor

Jason Bates, Board Advisor

Jason was co-founder of 2 neobanks in the UK – Monzo and Starling. As Chief Customer Officer for both, he created the propositions, built product teams, led the design and development of the awardwinning Monzo app, and defended the regulatory application with the FCA / PRA. Jason is now a consultant and industry figure in the neobank industry across the UK, US and Europe, currently working for 11FS on major enterprise projects.

Stephen Garner

Stephen Garner

Stephen has an extensive background in financial management, holding positions of Chief Financial Officer and Managing Director in a range of Sydney based companies across Transport Logistics,Investment and Property Development. He is currently serving as a director for 21 companies and was appointed to the Board as the representative of a substantial portion of Xinja’s shareholders. He has served as President of his local Junior Rugby Club and is a keen glider pilot.

Xinja team

Stephen Garner

Eric Wilson, Founder & CEO

Eric has extensive experience across financial services, management consulting, and is a serial entrepreneur. Before Xinja, he was CEO of NAB’s National Australia Trustees, managing over $1bn for disadvantaged & disabled Australians, was Enterprise Program Director of the Future of Financial Advice Reforms at NAB, and began his career with 8 years at Accenture. He has a masters in Law, has served as a board member of Lifeline Northern Beaches, and passionately believes in better banking for Australians.

Stephen Garner

Van Le, Chief Strategy & Innovation Officer

Van is an expert in customer experience design and has worked in financial services and other industries in CXD, but also public policy, regulatory strategy, organisational transformation, business & product development, operational excellence, and leadership & resilience programs. She has an MBA, lectures at UNSW, and is a former lawyer and public servant. Van also sits on SDN Children’s Services research & ethics committee. Growing up in Perth, she arrived in Australia as an 11 month old refugee.

Stephen Garner

Andy Rigg, Chief Operating Officer

Andy has over 25 years global experience in financial services and he prides himself on delivering transformational change in interesting and stimulating environments. This is endorsed by time in both large (Barclays Bank UK and Africa, HSBC) and small private organisations. Driven by customer experience outcomes he has led sales growth strategies in multi-brand and channel organisations. He is a fiercely competitive team player who has a passion for creating better banking in Australia.

Stephen Garner

David Nichols, Chief Risk Officer

David is a risk management professional with extensive experience in financial services across all major risk classes. Prior to working at Xinja, David was the Chief Risk Officer of Qudos Bank and before that held various executive risk & compliance positions at CBA and started his career in corporate law firms. He has a Masters in Risk Management, as well as Economics and Law Degrees. David is passionate about secure, smooth and simply brilliant innovation to help customers bank better.

Stephen Garner

Verity Froud, Treasurer

Verity has 20 year experience in financial services, predominantly in securitisation funding roles for various businesses. Before Xinja, she was an Associate Director at Macquarie Bank developing BFS’s mortgage analytics capability. Previous roles include Treasurer at Bluestone Mortgages during the GFC and working at AMP in actuarial services, where she developed a keen interest in data, modelling and risk analysis. Verity volunteers to run the banking at her children’s school.

Stephen Garner

Camilla Cooke, Chief Marketing Officer

Camilla has over 25 years experience in marketing, specialising in digital & data driven areas. She has worked in London & Sydney as a digital strategist for start-ups, not for profits and blue chip clients including Microsoft, Unilever, CBA, Vodafone and Qantas Frequent Flyer. She ran the digital campaign for the ALP in 2007 (KEVIN07) and from 2013-15 was Marketing Director at Cure Brain Cancer. She continues pro bono work in the not-for-profit area where she is a passionate advocate for change.

Stephen Garner

Alistair Thomas, Chief Technology Officer

Alistair has a passion for delivery and brings two decades of global digital experience from BNP Paribas, Visa and O2. He has considerable experience building and running high-performance teams in an agile environment. His focus is on finding great people to work with and then doing all he can to enable them to work in the most effective environment possible. He prides himself on being hands-on and loves to get in, roll his sleeves up and get things delivered.

Stephen Garner

Greg Steele, Head Of Architecture

Greg is an experienced architect with a passion for using modern techniques, platforms and tools to outstrip the capabilities of traditional, entrenched organisations. He has worked at many Australian banks, wealth organisations and insurance companies as a software developer, technology leader and solution architect. Greg founded Xinja with Eric, and led the initial architecture to establish the vision of it as whole new bank, with none of the baggage of older, legacy banking systems and processes.

Stephen Garner

Jacqui McPherson, Director, Security & Operations

Jacqui is our Chief Information Officer, responsible for delivering all technical aspects of Xinja. She has 20 years of experience as a technology strategist, advisor and CIO across financial services, government and not-for-profit organisations.

Stephen Garner

Peter Makris, Director, Delivery Core Banking

Peter is Director of Delivery at Xinja responsible for the strategic core banking solution. Peter is a proven technology executive with extensive experience working across financial services, telecommunications and government including digital strategy, large scale transformation, core banking and origination, management consulting and startup innovation.

Stephen Garner

Betsy Westcott, Director, Retail Banking

Betsy is responsible for building and delivering a world-class experience for Xinja’s (soon-to-be) customers. Betsy is driven by two obsessions – improving the financial well-being of all Australians and bringing humanity back to banking. She has experience as a Bank Manager for NAB and as a Senior Private Banker at both NAB Private and ANZ Private where she looked after the financial needs of Australia’s wealthiest families. She’s a qualified Financial Advisor and loves helping people better understand money.

Stephen Garner

Garry Duursma, Head of Payments

Garry Duursma is an investor in Startup Fintech businesses, and was a founding investor in Xinja. Over half of his career has been focused on Financial Services. He has a passion for, and a deep understanding of, the payments industry from a market, technology and regulatory perspective. He has been a high-profile payments thought leader, while at Mastercard. Garry thinks and acts with an entrepreneurial mindset, having been instrumental in the success of the Australian banking start-up Tyro Payments. Garry is Xinja’s go-to guy for all things payments.