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: Exec Team

Matthew Chan
: Chief Operating Officer


  • Head of Operations & Projects – Banking. Australian Unity
  • Regional Business Manager – Commercial Banking Asia Pacific. ANZ
  • Regional Strategy Manager, Pacific. ANZ
  • Regional Product Manager, Pacific. ANZ


Matthew Chan joins 86 400 excited by the opportunity to change the Australian banking landscape and as COO is responsible for ensuring that the bank’s ‘engine room’ runs smoothly. With an extensive banking career, Matt brings a wealth of experience in leadership and management of frontline enablement, operations and project management across diverse geographies in Asia, Pacific and Australia. Originally from Western Australia, Matt has completed a Bachelor of Science (honours) and worked as a Geologist before transitioning into financial services. He has completed a Master of Applied Finance and is a Fellow of the Financial Services Institute Australasia. Matt’s considerable experience will be invaluable to ensure 86 400 delivers a truly different, digital banking experience.

Robert Bell
: Chief Executive Officer


  • General Manager Products & Service, Cuscal
  • Chief Executive Officer, Big Sky Building Society & Australian Unity Banking
  • Chief Executive Officer, ANZ Japan
  • Chief Executive Officer, ANZ Fiji


86 400 CEO Robert Bell has extensive leadership experience in financial services across Australia and Asia Pacific, his most recent role being General Manager, Product and Service at Cuscal. Prior to this he was CEO of Big Sky Building Society & Australian Unity Banking, and held multiple senior leadership roles at ANZ including CEO positions at both ANZ Japan and ANZ Fiji. Rob’s commitment to building a genuine alternative to the big four banks is the driving force behind the 80+ strong team at 86 400.

Christina Seppelt
: General Counsel & Company Secretary


  • Director, Legal & Commercial Affairs, iQ Group Global
  • General Counsel & Company Secretary, Hunter Hall International Limited
  • Henry Davis York, Lawyers

Christina is responsible for leading the legal and company secretarial activities of 86 400. She has 20+ years’ experience across legal, corporate advisory and governance roles and prior to 86 400 held legal and company secretarial roles at a number of financial services providers, and a senior lawyer role at a large commercial law firm. Christina brings her extensive experience to support and make a difference to the 86 400 business.

Brian Parker
: Chief Information Officer


  • General Manager- Emerging Business, Cuscal Limited
  • Chief Information Officer, Cuscal Limited
  • Chief Operating Officer, Espreon
  • Chief Information Officer, ING Direct


As CIO Brian Parker takes on the role of building the technology to deliver our digital bank. In his prior role as General Manager at Cuscal, Brian identified the opportunity to build a digital bank and developed the business case for 86 400. He brings with him a proven track record of successfully implementing technology to build businesses as both a CIO and COO. He was a key member of the design authority that delivered the New Payments Platform and delivered the first HCE mobile payments App in Australia. Brian is no stranger to banking, having been part of the technology team that launched Citibank in Australia and as CIO built the technology to launch and grow ING Direct. He is a technologist at heart and takes pride in developing teams that deliver value to customers by leveraging technology and challenging the status quo.

Guy Harding
: Chief Risk Officer


    • Chief Risk Officer, CBA International Financial Services (Hong Kong)
    • Chief Risk Officer CBA Business and Private Banking (Sydney)
    • Global Head of Credit & Risk AMP Banking
    • Head of Credit Policy Egg/Prudential Banking


In addition to serving on three ADI Boards, Guy has extensive Risk Management experience gained with a variety of institutions in Europe, Asia Pacific and Australia including direct involvement with three banking start-up operations in the UK and South Africa. Most recently Guy was CRO for CBA’s International Financial Services Division and had previously been the CRO for the CBA’s Business and Private Banking portfolio in Australia. Guy arrived in Australia as Global Head of Credit and Risk at AMP in 2001 and his experience spans retail, SME and Corporate banking. He is a passionate believer in digital banking and the opportunities it brings to reshape the Australian retail banking experience.

Travis Tyler
: Chief Product & Marketing Officer


  • General Manager Consumer Digital, Westpac
  • Head of Mobile Apps, Westpac
  • National Operations Manager- Consumer Lending, St.George Bank


With two decades of retail banking experience, Travis Tyler takes on the CPMO role at 86 400. Leveraging experience across the customer life cycle and most recently running the digital business for Westpac Group, Travis’s passion for the customer and working at the digital edge positions him well to help build the first truly customer obsessed bank. Working with a world class technology team, Travis aims to reinvent everyday banking and deliver new experiences to customers to truly improve their whole financial world.

Caroline Milner
: Program Director


  • Project Director, Westpac Institutional Bank
  • Program Manager, AMP
  • Project Director, Westpac
  • Project Director, BTFG


Caroline Milner is a widely experienced Program Director and Business Improvement Professional with 19+ years international experience across multiple functions and industries including Wealth Management, Banking and IT. She has in recent years managed a number of complex, enterprise-wide programs within BTFG, Westpac and AMP in excess of $160m. Caroline has always been passionate about delivering true value, and the opportunity to genuinely help people with their money is what brought her to lend her talents to the 86 400 business.

Richard Pearson
: Interim Chief Financial Officer


  • General Manager Group Treasury Finance, Commonwealth Bank
  • Head of Finance Treasury Finance, Westpac
  • Chief Financial Officer South Africa, Deutsche Bank


86 400 Interim CFO Richard Pearson has extensive experience as a finance leader in financial services across Australia, South Africa and the UK, his most recent role being General Manager, Group Treasury Finance at CBA. Prior to this, he held a similar role at Westpac, as well as other varied finance leadership positions at Deutsche Bank and UBS.

Meet the Board