Matthew Rady

Chief Executive Officer, BT Financial Group

Matthew Rady was appointed Chief Executive Officer BT Financial Group in October 2021.

He is responsible for BT’s Platforms, including the flagship BT Panorama, BT’s personal and corporate super and investment products.

Before joining BT, Matt was Chief Executive Officer at Allianz Retire+. He has more than 30 years’ experience in the financial services and wealth industries with executive roles in companies including Macquarie Group and global financial services technology company, IRESS.

Matt is also a Non-Executive Director at JDRF, a global not-for-profit supporting type 1 diabetes research.

Lucy Masters

Chief Risk Officer

Lucy joined the BT Executive team in September 2022 as the Chief Risk Officer for BT. Lucy has approximately 25 years’ experience in the Financial Services sector having worked for professional firms and international banks in Sydney, London, Singapore and New Zealand. Prior to commencing her role as BT CRO, Lucy had just completed 4 years as a senior Head of Internal Audit at Westpac, responsible for auditing Financial Crime, Compliance and Conduct as well as the Specialist Businesses Division consisting of the Superannuation, Platforms and Investments businesses as well as Auto Finance, Banking as a Service and the Pacific.

Previous to this Lucy worked for Citibank as the APAC and Japan Regional Director for Internal Audit for Compliance and AML, based in Singapore and Sydney. Lucy is a member of the Australian Institute of Company Directors and the Institute of Internal Auditors, and holds and Bachelor of Commerce from Australian National University.

Nadine Wilmot

Head of the Office of the Superannuation Trustee

Nadine Wilmot is the Head of the Office of the Superannuation Trustee. In this role, Nadine is responsible for supporting the Trustee Board with their oversight of the management and administration of the superannuation funds, and compliance with regulatory, fiduciary and licensing obligations.

Nadine has over 25 years’ experience in financial services, with a broad spectrum of experience in superannuation including in actuarial consulting, operational management, product development and strategy, and more recently in governance roles with trustee boards.

Prior to joining BT in May 2022, Nadine was the Head of Trustee Office at Mercer having previously held a number of senior roles at AMP.

Nadine is a qualified actuary, and has a Bachelor of Science from Monash University and MBA (Executive) from UNSW. She is a graduate member of the Australian Institute of Company Directors.

Kathryn Cosentino

Head of Platforms Product Management

Kathryn is BT’s Head of Platforms Product Management. In this role Kathryn is responsible for leading BT’s platforms superannuation and investment offers.

Kathryn has over 20 years’ experience in financial service with a career spanning insurance, operations, superannuation and investments.

Prior to joining BT in May 2022, Kathryn has held a number of senior roles and most recently was the Head of Wrap Platforms at Insignia Financial where she was responsible for the MLC and IOOF superannuation and investment platform.

Kathryn has a Bachelor of Commerce from Macquarie University.

Sharyn Baker

Head of Services and Operations

Sharyn has extensive experience in financial services and wealth management across a range of senior leadership roles over 20+ years.

Sharyn joined BT in 2016 as Change Director for various large programs, including BT Advice’s control uplift and BT’s Advice Separation, after which she took on a range of customer service roles including Head of Customer Transformation and Governance and more recently Head of Platforms Service and Operations. Sharyn now runs our ~700 person-strong Service and Operations business.

She is an influential leader dedicated to delivering exceptional customer and organisational outcomes by helping her people develop capabilities that support their personal and professional growth.

Sharyn has a Master of Business Administration (MBA). Outside of the financial services industry, Sharyn is an active member of the Coogee Surf Life Savings Club and has held roles including Assistant Competition Director for the Coogee Minnows.

Anthony Miller

Chief Executive, Business and Wealth

Anthony Miller was appointed Chief Executive, Business and Wealth in August 2023 and continues to be Chief Executive, Westpac Institutional Bank until 1 October 2023.

Anthony joined Westpac Group in October 2020. As Chief Executive, Business and Wealth, he has responsibility for Westpac’s banking for medium to commercial sized businesses, private wealth, as well as wealth management services under the BT brand and sustainability.

Before joining Westpac Group, Anthony was CEO of Australia & New Zealand and Co-Head of Investment Bank, Asia Pacific at Deutsche Bank from 2017. Prior to Deutsche Bank, Anthony was a partner at Goldman Sachs based in Hong Kong within the investment banking division and previously held a number of roles at Goldman Sachs in Australia and New Zealand having joined the organisation in 2001. Before joining Goldman Sachs, Anthony worked at Credit Suisse.

Anthony holds a Bachelor of Law (Honours) from Queensland University of Technology, and Bachelor of Arts (Japanese Language, Modern Asian Studies) from Griffiths University.

Israel Santos

Chief Financial Officer, Consumer and Business & Wealth Divisions

Israel is currently the Chief Financial Officer of the Consumer and Business & Wealth Divisions of the Westpac Group and has over 25 years of experience in Financial Services both in Australia and the United Kingdom.

Prior to joining Westpac in March 2023, Israel held a similar role in Lloyds Banking Group in the United Kingdom, and prior to that was the Group Financial Controller of Santander UK. He has also worked in other Financial Services institutions including the Commonwealth Bank of Australia and Credit Suisse. Israel is a Chartered Accountant, having spent the early part of his career in KPMG Sydney, and holds a Bachelor’s degree in Commerce from the University of NSW.

Andrew Doyle

Chief Financial Officer, BT

Andrew Doyle joined the Westpac Group in May 2021 as Chief Financial Officer (CFO) of the BT Financial Group, covering the Platforms, Investments and Superannuation businesses.  Andrew has operated in both consulting and CFO roles in Financial Services across Australia, Europe and APAC. 

Prior to joining Westpac, Andrew was the CFO of CBAs Wealth Management business unit.  This included financial responsibilities across Asset Management, Platforms, Insurance and Advice businesses through CBAs exit from this sector.  Andrew is a Chartered Accountant and also holds a Bachelor's degree in business.