Meet the Executive team
Executive team
Our Executive Management Team have been carefully selected to deliver on our promise to our members.
David Heine
Chief Executive Officer
David brings extensive experience to Regional Australia Bank, with over 30 years working across the finance and banking sector. Throughout his career, David has held executive positions at Cuscal Ltd, Eftpos, Cardtronics and Linfox Armaguard. He has specialised in innovation, technology and payment systems.
John Williams
Deputy CEO, Strategy
John joins the Executive Team of Regional Australia Bank following seven years as Chief Executive Officer of Summerland Bank. He possesses a unique blend of finely-tuned technical and emotional intelligence that sets him apart in the corporate world.
Michelle Edmonds
Deputy CEO, Customer
Michelle brings a well-rounded wealth of knowledge to the Executive Management team at Regional Australia Bank. She has over 29 years’ experience in the financial sector, 24 of these spent in various Management roles within the Regional Australia Bank.
Julie Armstrong
Chief Operating Officer
Julie brings extensive experience to the CIO position, with over 25 years working across the Financial Services and Banking industry, including 15 years at ING Direct before moving to AMP as Director of Bank Operations.
Les Bailey
Chief Risk Officer
Les has held numerous senior executive roles within the Financial Services Industry and holds a master’s degree in Business Administration (MBA). He brings a wealth of experience to the executive having previously served as a member of the executive management team of Holiday Coast Credit Union as Chief Risk Officer. Les is also a graduate of the Australian Institute of Company Directors.
James Harris
Chief Financial Officer
James has extensive financial management and executive experience across banking and financial services in Australia, Europe and North America.
Sally-Anne Jung
Chief Transformation Officer
Sally-Anne joins the Executive Team of Regional Australia Bank following more than 25 years with Summerland Bank. She has held key leadership roles, including Deputy CEO, Chief Financial Officer, and Chief Transformation Officer, with a strong background in the mutual banking sector, contributing significantly to the industry’s growth and resilience.
David Munday
Chief Governance & Legal Officer & Company Secretary
As the Chief Governance & Legal Officer, and with over 23 years in the banking industry, David brings extensive skills and knowledge in areas of governance, legal and compliance. David also holds the position of Company Secretary.
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