19 03 19 06:28:58

Cuscal Directors

Paul Lahiff
Independent Chairman


Paul Lahiff was appointed as Chairmain of the Cuscal Board in November 2018. He was previously the inaugural Chair of NPP Australia Limited, and has also served on the boards of Sunsuper, Cancer Council NSW, House With No Steps and Thorn Group.

Paul runs his own consultancy business specialising in strategy formulation, executive coaching and mentoring, and Board governance.

He has almost forty years’ experience in banking and finance including managing director roles with Mortgage Choice, Permanent Trustee and Heritage Building Society as well as senior executive roles with Westpac in Sydney and London.

Other Directorships currently held by Paul include:

  • Retail Finance Intelligence (RFi) Advisory Board
  • AUB Holdings
  • LIXI Australia
  • Endometriosis Australia


Craig Kennedy
Managing Director


Craig Kennedy joined Cuscal as its Managing Director in December 2008.

In his role, Craig is responsible for all day-to-day company operations, including corporate strategy and direction. Craig plays an integral role in steering Cuscal’s development to become the preferred partner for all independent and tier two financial services organisations in Australia.

Craig has more than 30 years of experience in the financial services sector, with particular expertise in electronic and online banking.

Prior to joining Cuscal, Craig served as Managing Director of Espreon Limited for four years. He was also head of direct banking at ING and has held a number of senior positions at Advance Bank Australia, State Bank of New South Wales and Monster Worldwide.

Other Directorships currently held by Craig include:

  • NPP Australia Ltd



Mark Genovese
Non-Executive Director


Mark Genovese was appointed to the Cuscal Board in October 2011. He is a member of the Board  Governance & Remuneration Committee. Mark has accumulated 20 years of experience in General Manager/CEO roles at several credit unions, and is the CEO of Unity Bank. He has also previously spent 8 years at Cuscal in senior and executive management roles.

Other Directorships currently held by Mark include:

  • Coal Services Pty Ltd


Arijit (Ari) Sarker
Non-Executive Director

MBA, BCom (Hons)

In his capacity as Co-President for Asia Pacific at Mastercard, Ari Sarker leads the South East Asia and South Asia region, overseeing all of the company’s activities in these regions, including sales, business development, business strategy, and relationships with card issuers, public policy, governments, merchants and merchant acquirers. He is also a member of the company’s Global Management Committee.

Ari has been with Mastercard for over 6 years and has worked across various regions.

Prior to joining Mastercard, Ari spent over 12 years with GE in a variety of senior roles in accounting, audit, corporate finance, and private equity across several key markets in the Americas, Europe, & Asia Pacific.

Ari is B.Com (Hons) graduate from Delhi University, an MBA from Cardiff University, and is a qualified chartered accountant from the Institute of Chartered Accountants in England and Wales.

Other Directorships currently held by Ari include:

  • Airtel Payments Bank Ltd (India)


Robert (Rob) Goudswaard
Non-Executive Director

BEc, Grad Dip Fin, FAICD, FFIN

Rob Goudswaard joined the Board of Cuscal in March 2015 bringing with him 37 years of experience in the banking sector. He is a member of the Board Risk Committee.

He commenced his career with ANZ Bank where he spent 30 years in a variety of senior positions in Australia and internationally including Chief Risk Officer for Institutional Global, Managing Director of Regional, Rural and Small Business Banking, General Manager for Pacific and Personal Banking Asia and Chief Operating Officer for Small to Medium Business in Australia & New Zealand. During his tenure he also served as Chairman of the ANZ Staff Foundation and the ANZ Reconciliation Action Program.

In 2010 he joined Rural Finance Corporation of Victoria as both CEO and Director and, within that capacity, was also appointed as Chairman of the Young Farmers’ Finance Council. In 2015 he joined CUA as Chief Executive Officer.

He is an active member of the community, having served for 9 years as a Director of World Vision Australia where he is currently the Chair of the Audit  & Risk Committee. Rob is a Fellow of the Financial Services Institute of Australia and Fellow of the Australian Institute of Company Directors.

Other Directorships currently held by Rob include:

  • CUA Health Ltd
  • CUA Management Pty Ltd
  • Credicorp Insurance Pty Ltd
  • Credicorp Finance Pty Ltd
  • Business Council of Co-Operatives and Mutuals (BCCM)


Steve Laidlaw
Non-Executive Director


A picture of Steve Laidlaw
Steve Laidlaw, CEO of People’s Choice Credit Union joined the Board of Cuscal in November 2016. He is a member of the Board Audit Committee.

He has significant people leadership and general management experience in the retail banking and finance industry.  He previously held the Chief Financial Officer role in People’s Choice Credit Union, and prior to that with Rural Bank, now a part of the Bendigo and Adelaide Bank Group of Companies for approximately seven years.

Steve has degrees in Economics and Commerce and has completed the Advanced Management Program at Harvard Business School. He is also a member of the Institute of Chartered Accountants in Australia and a fellow of the Australian Institute of Company Directors.

Other Directorships currently held by Steve include:

  • Australian Central Credit Union Limited (t/as People’s Choice Credit Union)
  • Financial Solutions Australia Pty Ltd
  • Australian Central Services Pty Ltd
  • People’s Choice Community Foundation Limited
  • CU Technology Development Limited


Sonia Petering
Independent Non-Executive Director


Sonia Petering was appointed to the Cuscal Board on 17 April 2018. She is the Chair of the Board Audit Committee, Chair of the Board Risk Committee (interim) and a member of the Board Governance & Remuneration Committee (interim).

Sonia brings extensive board experience to her role at Cuscal. She previously served as a Non-Executive Director & Chair on the Board of the Rural Finance Corporation of Victoria from 2009 to 2016. During her tenure the State Government of Victoria sold the organisation to Bendigo Bank Ltd. Sonia also served on the Board of the Transport Accident Commission of Victoria from 2007 to 2016.

She holds a Bachelor of Laws and a Bachelor of Commerce degree from the University of Melbourne and is a Fellow of the Australian Institute of Company Directors. Sonia also holds a current Australian legal practicing certificate and operates her own law firm in Victoria.

Other Directorships currently held by Sonia include:

  • Virtus Health Limited (ASX:VRT)
  • Qantm Intellectual Property Ltd (ASX:QIP)
  • TAL Dai-Ichi Life Australia.

Contact Us

We look forward to hearing from you.

Simply send us a message if you would like more information about Cuscal and/or our products and services.

We will get back to you as soon as we can.