21 09 17 11:05:35

Cuscal Leadership Team

Craig Kennedy
Managing Director


Craig joined Cuscal as its Managing Director in December 2008. 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 becoming the preferred partner for payments product and services in Australia.

Craig has more than 30 years of experience in the financial services sector, with particular expertise in digital banking and payments. Craig is a Director of NPP Australia Limited and is also a member of the Australian Payment Council.

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 executive positions at Advance Bank Australia Ltd, State Bank of New South Wales and Monster Worldwide.


Bianca Bates
Chief Client Officer & Deputy CEO

Picture of Bianca Bates

Bianca was appointed to the role of Chief Client Officer & Deputy CEO in December 2020. As well as leading Cuscal’s Product, Client Services and Operations teams, Bianca is Craig Kennedy’s delegate, and is involved in Cuscal’s engagement with industry bodies, regulators and shareholders.

Prior to this Bianca held the role of Chief Client Officer since April 2018. Since joining Cuscal in July 2014, Bianca has held a number of other senior roles including Acting General Manager, Product & Service, General Counsel & Company Secretary, Acting General Manager Shared Services and Head of Client Services.

Bianca has over 20 years’ experience in financial services with large and complex US and Australian companies, both public and private. Prior to Cuscal she worked in senior legal and compliance company secretariat roles with Genworth, GE Capital and DLA Phillips Fox.


Tanya Dawson
General Manager, People and Culture

Picture of Tanya Dawson

Tanya joined Cuscal as the General Manager, People and Culture in February 2020. She has over 25 years’ experience in leadership development, cultural transformation, mergers and acquisitions, and enhancing employee experiences in the workplace.

Previously Tanya has worked for both Australian and global businesses in the insurance, telecommunications and media industries, where she led Human Resource teams and cultural transformation strategies to attract, retain and develop the best individuals for current and future aspirations.


Carmen Fraser
General Counsel & Company Secretary

LLB, BJuris, BCom, GAICD

Picture of Carmen Fraser

Carmen joined Cuscal in July 2020 as its General Counsel & Company Secretary. She has over 30 years’ experience in senior legal roles in financial services in Australia, including St.George/Westpac and HSBC.

Previously Carmen has been a part of leadership teams reporting to the Board in a number of roles including St.George Bank, the Australian Institute of Company Directors and most recently the Australian Finance Industry Association .

Carmen has a proven track record in providing advice on governance, facilitating effective Board processes and advising on Board succession. Being an accomplished senior legal practitioner, she also has expertise in leading high performing legal teams, managing legal risk and collaborating with business partners to improve customer experience.


Sarv Girn
Chief Information & Digital Officer

BSc (Hons) Computer Science, FAICD

Picture of Sarv Girn

Sarv joined Cuscal in March 2020 as the Chief Information & Digital Officer. In this capacity he leads Cuscal’s technology and program delivery functions to enable reliable and innovative payment solutions for mutuals, banks, fintechs and corporates across the financial services industry.

His career spans more than 30 years in the financial services sector in Australia, the UK and Asia. Previously, he was the Chief Information Officer of the Reserve Bank of Australia between 2012 and 2018. There, he provided strategic leadership in transforming and developing the core IT functions that supported a multi-year delivery imperative in real-time payments, core banking, currency and financial markets initiatives to enable RBA’s policy objectives.

Sarv has also held strategic and transformational executive positions at MLC Life Insurance, Westpac, and the Commonwealth Bank. He has a proven track record in formulating and implementing digital strategies to enable customer service and revenue goals, with core expertise in building teams to drive change through capability and culture improvements.

Sarv is a Fellow of the Australian Institute of Company Directors and is a Non-Executive Director at the Reserve Bank Health Society and the Can Too Foundation.


Kieran McKenna
Chief Risk Officer



Kieran joined Cuscal in April 2014 as Chief Risk Officer. He is responsible for all risk management functions and enhancing Cuscal’s risk management culture and capability across the business. He is the Cuscal-appointed Director on the Board of CUFSS Limited.

Kieran has more than 25 years of experience in financial services and risk management.

Prior to joining Cuscal, Kieran was General Manager of Business Risk for the Retail Division of the Commonwealth Bank. He has also held general management roles in risk at Westpac, St George and the Australian Securities Exchange.

Kieran has worked on various government advisory boards, including ComCover.


Sean O’Donoghue
Chief Financial Officer

BCom UNSW; CA; MBA Pepperdine University USA

Sean O'Donoghue

Sean joined Cuscal as Chief Financial Officer in August 2014 overseeing the company’s financial functions, process improvement and strategy team.

Sean brings extensive hands-on management experience working for over 30 years in senior financial roles in Australia and internationally with businesses in banking, wealth management, property and the entertainment sector.

During his career Sean has overseen major financial transformation programs at Multiplex and Westpac, including leading the implementation which brought together the finance functions of the St. George Wealth Management business with BT Financial Group to form one of the largest wealth management businesses in Australia.

Sean spent more than a decade with property and infrastructure multi-national Lend Lease in various senior financial management roles. His achievements during this time included leading the financial function in MLC’s spin-off wealth management and superannuation company Plum Financial Services, and actively participating in the sale of Lend Lease’s US and European real estate investment businesses in 2003.

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