Michelle has over twenty years’ experience in financial services in Australia and internationally. Her experience spans leading customer and business strategy, delivery of major corporate projects, credit risk, regional sales leadership of large customer facing teams and call centres. She has held P&L accountability, product development and pricing strategy. She has a strong track record in building new organisational capability through partnership, technology and digital development. Michelle has worked across SME and retail banking, in both direct and indirect channels, corporate banking and financial markets, relationship banking, general insurance and asset finance. She has previously held an Executive Director position on the Board of a superannuation trustee. Prior to RACQ Michelle held senior positions across Suncorp, National Australia Bank (NAB), The Royal Bank of Scotland (RBS) and Insurance Australia Group (IAG). She is a member of FINSIA, a graduate of AICD and has completed both a Bachelor of Business and a MBA (with Distinction).