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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 26 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 Ltd, State Bank of New South Wales and Monster Worldwide.


Christie Welsh
General Manager, Shared Services


Christie joined Cuscal in May 2012 as Head of People & Culture, where she is currently responsible for the shared service function which incorporates People & Culture, Legal, Contracts & Vendor Management and Facilities.

Christie previously was the General Manager, HR for technology at Westpac and Head of Performance Management for its Business & Technology Services. She has previously held roles in a number of UK financial institutions and has worked throughout Europe and Asia.

Christie’s background lies in HR specifically in reward and remuneration and generalist HR.


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.


Hemant Kogekar
Chief Information Officer

MSC, Member of FINSAI, Diploma of Banking

Hemant Kogekar

Hemant joined Cuscal in 2010 as a consultant and advisor before being appointed as Chief Information Officer (CIO) in April 2015

With over 15 years’ experience as a C-level IT executive in major Australian companies including Suncorp, Citibank, and Franklins Hemant has extensive experience leading technology strategy and business transformation programs. He has a deep understanding of business dynamics in banking, insurance, retail and technology.

In the recent times, Hemant has specialised in IT strategy development, program review and governance, as well as technology transformation and project recovery. He has supported CEOs, CIOs and IT leaders to resolve complex IT management challenges.

Hemant’s focus at Cuscal is to support business growth via consistent and on-time delivery of high-quality technology solutions to Cuscal and its clients while also maintaining a reliable technology platform.

Robert Bell
General Manager – Product & Service

Robert Bell

Robert joined Cuscal in January 2017 as General Manager, Product & Service. In this role he is responsible for all product management and operational functions, marketing, sales, and customer service.

Robert has more than 17 years of experience in the banking and financial services sector in Australia, Japan and the Asia Pacific.

Prior to joining Cuscal, Robert served as the Chief Executive Officer of Big Sky Building Society from July 2014. Before that, Robert spent 14 years in ANZ with roles including, Chief Executive Officer of ANZ Japan, Chief Executive Officer of Fiji and Central Pacific Region, and Chief of Staff, Office of the Group CEO.

Prior to joining ANZ, Robert worked in pharmaceuticals with responsibilities across sales, product management and marketing. He brings to Cuscal extensive senior leadership experience.


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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