Commonwealth Bank

Head of Diversified Account Management, Transaction Banking Solutions 

Australian Institute of Company Directors

Member

Blockchain Australia

Meals with Impact

Meals with Impact exists to help women of migrant and refugee backgrounds feel more confident working in Australia’s hospitality industry through hands-on training, paid work, and a pathway to meaningful, sustainable employment.

Member/Advisor - CBD Project Steering Committee 

Advisor

Westpac Institutional Bank

The leadership of the Customer Life Cycle Journey for Corporate and Institutional (enterprise) clients across Australia. The customer life cycle journey involved bringing the sales, implementation, relationship management and service teams together to ensure we provided the best experience for our clients.

Head of Corporates, Client Engagement - Global Transaction Services

I was appointed to develop and execute the strategic approach for the public sector in New South Wales. This business encompassed our client management, business development, innovation and transformation teams that had been specifically selected to deliver an exceptional customer experience.

Head of Public Sector NSW - Global Transaction Services

I led the Solution Consulting business in the Institutional Banks Sales Division. This business was responsible for providing advisory services, technical sales support, and dynamic thought leadership to the bank’s clients and sales teams.

Head of Solutions Consulting - Global Transaction Services

Rubix

Rubix lets individuals and businesses connect with one another directly through flexible and attributable contribution based earn mechanics. Being community-led ensures that benefits are reinvested back to those that participate. No shareholders with competing agenda, simply globally connected contributors working towards a common mission.

Contributor

Westpac Group

ABLE’s mission is to advocate for all people with visible and invisible disabilities and their carer’s, ensuring Westpac is an accessible & inclusive place to work.

Chair - ABLE Executive Committee 

I redesigned the Solution Engineering/Advisory business within the Institutional Banks Product Group, this business was responsible for delivering advisory services, sales support, and guidance to the bank's four business banking segments, each with over 100 transactional banking sales executives nationwide. I spearheaded a major transformation effort, prioritising stakeholder relevance and value delivery. The team's core focus areas encompassed client acquisition and retention, client discovery and solution design, payments and industry advisory, as well as proactive stakeholder engagement.

Head of Solutions Engineering & Payments Advisory

Felton Global Logistics

Designed the transformation plan for 40-year-old global freight business. I prepared the business for sustainable growth by digitising the business and reducing costs, whilst retaining its customer-centricity.

During my tenure at this private company, I developed and led various initiatives across the business. These initiatives were key to driving outcomes in line with the company's goals.

They included:
- Company Restructure: Key Roles & Teams
- Brand Refresh
- Online Channel Development
- Collateral Enhancement
- Supplier Negotiations
- Finance Transformation

General Manager

Ryan Hodges, an accomplished banking and finance executive, brings a wealth of experience in the dynamic payments and tech sector. With expertise spanning strategy, sales, customer experience, and service design, Ryan is uniquely positioned to drive innovation in today's rapidly evolving payment landscape. 

Ryan's deep understanding of emerging trends enables him to harness cutting-edge advancements, driving growth while anticipating industry changes. Skilled at integrating emerging tech with evolving customer preferences, Ryan excels at delivering exceptional experiences. His consistent leadership in spearheading strategic initiatives and navigating complexity underscores his results-oriented approach. With a strong grasp of emerging technology and an unwavering focus on customer satisfaction, Ryan is poised to redefine value in financial services.

Ryan Hodges GAICD

Qudos Bank

•	Operational Risk Lead implementing APRA CPS 230 Prudential Standard (incl., Payments Critical Operations [CARDS/NPP/DE/BPAY.])
•	Supporting QUDOS Bank’s Executive Leadership Team to align risk frameworks to comply with APRA’s CPS 220/230 Prudential Standards.
•	Uplifting Business Continuity and incident tolerance levels for payments.
•	Identifying Key Risk Indicators and documenting Critical Operations.
•	Team managing Risk Partners to support BUs payments risks objectives.

Operational Risk Lead - APRA CPS 230 & CPS 220

Azupay

Senior Manager, Regulatory Affairs, Risk, and Compliance

Australian Banking Association (ABA)

Policy Director (Future Pillar)

Rabobank Australia

•	Project delivery of Australian Banking Association’s Treating Customers Fairly
•	Banking payments SME on ASIC's new ePayments Code implementation
•	Provide trusted compliance advice on various major regulatory projects
•	Compliance SME for AUSTRAC’s Criminal Communications in Payment Text Fields
•	Monitoring regulatory landscape and advising stakeholders of compliance requirements
•	Reviewing disclosure, marketing, and other customer collateral material
•	Lead reviews in regulatory changes and ensure project delivery is met

Senior Manager, Regulatory & Compliance, EPMO

Australian Payments Plus

•	Organizational Compliance Officer ensuring regulatory compliance.
•	Policy and procedural review across all 3 LOD and entities.
•	Support Head of Risk in maintaining risk appetite and controls framework.

Corporate Compliance Officer

Navigate Global Payments

•	Developed organisational Compliance policies and procedures (C. 24 in total)
•	Drafted organisational AML CTF Compliance Program
•	Monitoring of all FX Payments and report any suspicious payments to AUSTRAC
•	Ensure all ASIC and AUSTRAC regulatory filings are submitted in time and at the required standard (incl. IFTI’s, annual compliance report, annual ASIC Industry Levy)
•	Ensure the business complies with AUSTRAC’s AML/CTF Act and Rules
•	Ensure the business always complies with its AFSL obligations

Head of Compliance

WorldFirst

•	Oversaw the Know Your Customer (KYC) requirements for client FX payments
•	Reviewed all marketing material to maintain regulatory compliance
•	Attended Board meetings and presented as the Compliance representative
•	Ensured compliance with AUSTRAC’s AML/CTF Act and Rules, and ASIC AFSL obligations
•	Monitored account activity and investigating any suspicious FX payments 
•	Reviewed regulatory changes and perform gap analysis, and draft internal controls/policies 
•	Developed training materials, presenting and providing relevant compliance training
•	Drafted regulatory reporting and internal compliance/risk/board related reporting

Head of Compliance, Australia

Westpac

•	Provided 2LOD Operational Risk advice to remediate issues, identify risks, and perform gap analysis to determine any residual risks 
•	Contributed to 2LOD Operational Risk in Projects strategic priorities, focusing on enhancing processes and policies 
•	Participated in project initiatives providing specialized risk advice to drive the timely and cost-effective embedding of project to BAU 
•	Supported and challenged management in applying risk frameworks and policies 
•	Supported risk and control identification and assessment, incident and issue management, and supporting risk appetite

Senior Manager, Operational Risk

Cuscal Limited

•	Implemented frameworks for Cuscal and its client institutions to comply with NCCP, Responsible Lending, ASIC Credit Card Reforms and ePayments Code, and Banking Code of Practice, and Corporations Act (AFSL and ACL)
•	Reviewed Card Payment Schemes' Mandatory Changes
•	Oversaw compliance with Card Payment Schemes' Member Operating Regulations
•	Cuscal representative on eftpos eDAF and eDARG industry digital acceptance frameworks
•	Cuscal representative on eftpos' Transit Contactless Payments industry project
•	Led and oversaw organisational compliance across multiple regulators (RBA, ASIC, AUSTRAC, ACCC & AFCA, & OAIC), and manged all AFCA complaints, and drafted incident reports to the RBA
•	Led regulatory and industry responses (RBA’s Interchange Standards & Australian Payments Council)
•	Drafted industry and regulatory responses around retail banking and payments regulations
•	Represented Cuscal on the industry regulatory forums facilitated by the Council of Financial Regulator on reforms to retail payments Stored Value Facilities
•	Led regulatory and card payment scheme submissions and attestations surrounding anti-bribery, AML/CTF and KYC for client institution on-boarding due diligence
•	Updated and maintained organisational Risk Register and closed outstanding risk actions

Manager, Payment Schemes & Regulatory Compliance

Career Break and Introspection

I took time out to explore new experiences, and gain further personal introspection.

I was actively involved in charitable events, and participated in local community initiatives; ultimately to return to roles incorporating risk, compliance, products, and payments.

Sabbatical

I am a global (EU, UK, & Australian) banking professional with over 25 years' experience across payments, operational risk, regulation, compliance, and regulatory affairs.  I have worked in industry and government, and collaborated with multiple regulators.  While achieving milestones across strategy and implementation, cost savings, and driving revenue opportunities.  As well as developing and leading teams.

CAREER ACHIEVEMENTS:
Australian Banking Association 
•	Successfully influenced a regulator to revise their initial industry determination, resulting in ABA Members saving millions in unnecessary technology infrastructure spend.

Rabobank Australia Limited 
•	Successfully influenced AUSTRAC to expand its initial scope on Criminal Activities in Payment Text Fields.
•	Completed extensive organizational review of ASIC's revised ePayments Code, and earned a Rabobank, ‘CHEERS FOR PEERS’ award from a Regional Leader, recognising my efforts.

Navigate Global Payments Pty Ltd (FinTech Start Up)
•	Successfully established organizational compliance frameworks from complete start up.
•	Introduced new banking partners to the organization through my industry networks.

World First Pty Ltd
•	Successfully identified significant cost savings from efficiencies in settling payments with service provider.

Reserve Bank of Australia
•	Successfully implemented a new and industry-wide payments regulatory framework for 25 ADIs under my supervision to report their significant payments systems incidents.
•	After one year, I was recognized and profiled in the RBA's staff magazine for my efforts.

Royal Bank of Scotland (UK)
•	Negotiated RBS’ UK Mastercard credit card agreement - C. €93,000,000 of incentives at stake.
•	Identified £32,000,000 of net card income, where the RBS (Merchant Acquiring) was underrepresented across sectors (using Merchant Category Codes).
•	Developed strategy to bring the RBS first to market with London black taxi contactless payments solution - C. £10,000,000 potential net card income.
•	Identified £750,000 in interchange fee savings from non-compliance with Card Payment Scheme rules (Merchant Acquiring).

ACADEMIC ACHIEVEMENTS:
•	Master of Laws, (LLM) Corporate Finance Law – University of Westminster, London UK (Distinction).
•	Master of Business Administration (MBA) – Charles Sturt University, Australia. 
•	Graduate Certificate in Marketing - Charles Sturt University, Australia. 
•	Bachelor of Business (Banking) - Charles Sturt University, Australia – received the Australian Institute of Banking and Finance award for academic excellence.

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Ryan Hodges GAICD

Christos Fragias 🇬🇷🇦🇺

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