The 2014 Graduate Yearbook

2 | The 2014 Grad Yearbook 1
Contents
Letter from the Editors 2
A Note from the Graduate HR Team 4
Graduate Committees
The GradWrap Committee 8
The Gradute Meetings Committee 12
Graduate Community Initiatives 16
Meet the Graduates
Australian Financial Services 22
New South Wales 24
Queensland 26
Victoria 28
Western Australia 30
South Australia 31
BT Financial Group 32
Finance 38
Technology 44
Enterprise Risk & HR 56
Westpac Institutional Bank 60
WIB Singapore 66
Last Words
Most Likely Awards 70
Epilogue 72
Yearbook brought to you by
The GradWrap 2014 Team
Yearbook Design & Photography
Alan Yeung

Letter from the
Editors
Hi (for the last time),
What a year!
As we exhale from the rollercoaster ride
that was our first year as Westpac graduates, we
have the opportunity to look back on the highs
and lows of 2014. Whether it be moving between
rotations (which can be extremely humbling when
you move into completely new teams and tasks),
meeting our senior leaders that support the Group,
or having a Friday drink, I think we can all say that
our fellow graduates, who in one way or another,
have been essential to experiences across the last
year. When you needed to ask someone for help,
someone to go to the gym with, or even when you
need a coffee (or a bacon and egg roll if you had a
big one the night before), it’s nice to know that we
have all been gifted an incredible support system of
peers to call on.
This issue will be our final issue for the
2014 GradWrap team and decided that for the
last issue what is more poignant than an issue
dedicated to the graduates and new friends that we
have made.The issue showcases the 2014 graduates
and our 2013 peers who have just completed their
two-year programs. Their profiles give a quick
snapshot into their personalities and show you
how truly diverse and excellent this cohort really
is. We are also fortunate enough to have our senior
leaders from each program impart their final advice
and well wishes as we peruse through photos and
reminisce on the year that past.
We would like to take this opportunity to
thank the 2014 GradWrap team whom we have
absolutely loved working with this past year. We
know the high level of commitment GradWrap
takes and we truly appreciate the team’s dedication
and support throughout the year. From imagining
themes to scrambling to deadlines each month, we
hope you have enjoyed working with us as much as
we did with you.
We would also like to pay special mention
to the senior leaders of Westpac Group that,
despite their busy schedules, took the time to be
interviewed and give us the amazing opportunity
to learn more about these seemingly enigmatic
figures throughout the year. We would also like to
thank the HR Graduate team who have helped us
to deliver these issues to you.
As we soon begin passing the reigns onto
the 2015 graduates,we hope that the new team will
carry GradWrap on to bigger and brighter things
and wish them all the best.
We hope you enjoy the 2014 Graduate
Yearbook and our final issue of GradWrap from
the 2014 team.
– Alexandra Leung & Sarah-Jane Riley

Farewell class of
2014!
As time draws to an end where you will no
longer hold the title of being a Westpac Graduate,
we would like to thank you for your commitment
and enthusiasm over the past year. As a graduate
manager it is extremely rewarding to see our
graduates flourish within our company and build
a foundation for their future career. You have lived
up to our expectations and have undoubtedly
come a long way from the anxious students at
our assessment centres. The past year has been an
opportunity to learn,grow and make some fantastic
memories and friends.The networks you have made
will be invaluable to the growth of your career and
the knowledge and skills gained across the past
year will become valuable assets to you. A personal
highlight of the year for us was the graduate closing
ceremony… in particular the graduate videos (who
knew BT graduates could rap!), it was a great
opportunity to reflect on the past year and have
our class of 2014 together as graduates for one last
party…sorry we mean training session!
The next chapter for you at Westpac is no
doubt highly anticipated, and the most important
advice that we can give you is to be open to change
and embrace it! Also remember, learning doesn’t
stop when you graduate, always look to challenge
and perfect your thinking and take control of your
own learning. Finally... there will be testing times
in your career and how you handle these challenges
and learn from them will allow you to succeed. For
now we wish you the best of luck and look forward
to catching up with you soon.
– Anna, Stephanie and Dara
A note from the
Graduate HR Team

Graduate
Committees

Clockwise from left: Sarah-Jane Riley, Chris Miletich,
Lexie Leung, Beth Egan, Alan Yeung, Meyvian Ong,
Nicole Murray, Ann Tran.
The
GRADWRAP
committee
It seems like almost a lifetime ago when we first took the
reins from the 2013 GradWrap Team back in May and released
our first issue in June – “Then and Now”. With a dedicated team
of two editors, one photographer, one designer and six writers, this
past year has been quite an adventure for us as we embarked on a
journey treading unfamiliar waters together to release our first issue
and, almost aligned to the theme of our first issue, we can reflect on
the learnings and we had “Then”to what we are “Now”that we have
all wrapped up.
Having a clear vision and goal of aligning our articles to a
relevant theme for the month,we have strived to create a publication
that was coherent and timely to the concerns and interests of the
graduate cohort as well as interests and trends taking place in the
world we live in. Through this clarity of purpose we created seven
issues, each filled with different themes and articles released to
the greater Westpac Group as well as future Graduates joining
the Westpac Group. This eighth issue marks the last for the 2014
GradWrap team and showcases the heart of what we wanted to
achieve with GradWrap during our time in office – the voice of the
graduates of the Westpac Group.
This Yearbook will showcase and shed light on all of the
graduates who have worked in the Westpac Group during 2014.
Some are veterans on two year programs which commenced in
Lexie Leung recaps on the highlights of co-editing
this year’s GradWrap magazine

2013,whilst many others are fresh-faced recruits embarking on the
first steps of their career straight out of university. As you browse
through the profiles and discover the diversity of individuals who
you have come to know as your Westpac Group graduates, you
might recognise a familiar face or name without knowing that
they were part of a select intake. Accompanied with a diversity
of individuals is a diversity of program streams across the Group
including a handful of graduates in Singapore within Westpac
Institutional Banking.
The support from senior leaders across the Westpac
Group has been humbling during our time with GradWrap as
they accepted our requests for interviews, scheduling time in
their busy calendars to meet with our team and impart insights
and advice from their careers. We had the chance to meet with a
range of senior leaders including our present CEO,Brian Hartzer,
Brad Cooper the CEO of BT Financial Group, Chief Operating
Officer, John Arthur, and the departing Chief Risk Officer, Greg
Targett. You will find a short message from some of our Group
Executives prefacing each section of this Yearbook, reflecting
the commitment that the program has from a senior level in the
Group.
Along with senior leaders, we have had a diverse number
of interviewees who took time out of their calendars to meet with
our team for an interview to either pass on words of advice or
inspire.The young achievers who have featured through our issues
certainly inspired us to achieve higher aspirations and to do more
with our lives.After being in the Group for a year,it is clear that as
a brand we always strive to achieve more for our customers and the
values of Courage and Achievement is reflected in the individuals
within the organisation.
Whether you read in detail or glanced through GradWrap
this year, we thank you for your readership – it is you who we have
created this for. Enjoy this final issue of GradWrap and take some
time to look for the graduates who have worked beside you during
this past year at the Westpac Group.To the Graduates - enjoy this
Yearbook and take the time to learn about another side to your
fellow grads!
GradWrap Team
Absent from main
photo: Tiffany Leung,
Kelly McKendrick, Cary
Cheung
GRADWRAP
The Year in Magazine Issues

#1 June
Ex-Graduate Panel with Kevin Brennan, Callan Sainsbury,
Cassandra O’Brien and Ed Hughes
We kicked off with a panel of former graduates who discussed
their time on the grad program and the years since their roll-off.
The key takeaway was that Westpac is an excellent organisation
for career development with a diverse range of opportunities. All
of our panellists had different experiences to share with most of
them having roles in a variety of areas across the organisation
before coming to their current one.
#2 July
Rob Whitfield, Group Executive of Westpac Institutional Bank
Rob was entertaining, down to earth and friendly, sharing with us
some candid stories about his career to date. One which sticks out
in our minds is the drastic pay cut he took when moving into a
new role which ended up being one of the greatest career decisions
he ever made. Rob advised us that if we see an opportunity to
add real value we should take the risk, back ourselves and work
hard. He used an example from his career of when he worked to
turn Treasury from a part of the organisation seen as simply a cost
centre into a business that made huge profits for the bank.
The
GRADUATE
MEETINGS
committee
As the Graduate Meetings Committee of 2014 we
had the pleasure of organising events throughout the
year for the 2014 Graduates to hear from a range of
insightful speakers. We gained valuable career advice
and heard first-hand about the triumphs and hurdles of
our company’s leaders.
Penny Johnson
“This one time before a GMC Event, I
went shopping to find Brian Hartzer a
‘quirky’ gift as a thank you for his time.
I’m so glad we didn’t give him those
hotdog headphones I thought were
glorious…”
Claire Vieritz
“This one time at GMC, I booked
and finalised a meeting with Deputy
CEO, Phil Coffey only to find that
I hadn’t taken into account daylight
savings time and had to re-do the
whole thing.”
Mel Jamieson
“This one time when we organised
the post event drinks I spent way
too much time trying to work out a
formula for how many beers, wines
and champagnes to order per person.
In the end we had an open bar
where we got charged per bottle so
it didn’t matter anyway!”
Shadé Zahrai
“This one time when I MC’d for
John Arthur, COO, I forgot what
his title was when I was introducing
him. It was awkward.”
Jim Malavazos
“This one time, I asked Rob
Whitfield a question during one
of our events, he subsequently
provided me career advice including
the benefits of starting my career in
Adelaide.”

#3 August
John Arthur, Chief Operating Officer
John spoke passionately about the Service Revolution and our
2017+ strategy. He also gave us some fantastic advice on working
relationships and how trust is at the core of this. We gained some
great insight and knowledge as he shared his learnings throughout
his career.
#4 September
Brian Hartzer, Chief Executive of Australian Financial Services
(Currently CEO of Westpac Group)
At the time we didn’t know we would be hearing from Westpac’s
present CEO, however we must’ve had an inkling that this would
be special because we arranged for drinks and canapés after the
talk.Brian gave us some great advice as graduates to work hard and
over deliver at this point in our careers to build a good reputation
for ourselves. He also spoke about being “pulled up the corporate
ladder” rather than “climbing” it and shared some stories about
his early career life and going with his gut on a lot of decisions
he made.
#5 October
Rachel Slade, General Manager of Global Transactional Services
Rachel began by speaking about her education, describing herself
as a “failed engineer” who switched degrees for Economics and
Business Law. Moving on to her career, she encouraged us to
find sponsors in different areas of the business and stressed the
importance of networking and personal brand.Rachel also advised
that when looking for a job it’s important to work for a team/
manager that you like but you should find a role that challenges
you and makes you a little nervous. She said that when recruiting
90% of her decision is based on attitude/team fit and rest on job
skills.
#6 November
Phil Coffey, Deputy CEO
Our final speaker for 2014 was fantastic and had the audience
engaged from the get go with his candid and entertaining stories.
Phil spoke about the difference between being a manager and a
leader and how he came to learn this. He encouraged us to build
friendships at work and stressed the importance of supporting
each other and working as a team to achieve great things.Phil also
spoke about how diversity is key within any organisation, not just
with gender and ethnicity, but also diversity of thought.
Overall, the committee had
a fantastic year! We had
a lot of fun organising the
events, overcame many
teleconference issues and
learnt how to stretch a
minimal budget across a
year’s worth of events.
We are proud to say that the
2014 Graduate Cohort had
the opportunity to learn from
a calibre of such inspiring
speakers and can now begin
our careers with some
fantastic advice and support
behind us.
June GMC: The ex-graduate panel

16
The
GRADUATE
COMMUNITY
INITIATIVES
committee
I would like to thank this year’s fantastic GCI team
for always going above and beyond to support our
community partners and projects. I would also like to
thank GradWrap for helping promote the Community
Leaders Awards, as well as our volunteers for the two
Many Rivers pop-up stalls. Due to everyone’s help and
commitment, we’ve had a great 2014 and as we start
planning for the 2015 handover, we can only hope that
the next batch of GCI graduates get the same level of
exposure, engagement and excitement that our team has
had this year.
Here’s hoping that 2015 is just as amazing!
– Preeta Seshachari (GCI Project Manager)
A message from the GCI Project Manager

The Community Leaders Awards
Project Managers: Sahana Shetty, Bhagya Peiris & Kathy Chan
Sahana and Bhagya coordinated the marketing, judging, sourcing and administration of the Awards
and processed over 180 category nominations for leaders of Social Sector organisations. Kathy provided
support for the project.
‘The red carpet was rolled out for the 2014 Westpac Community Leaders Awards
gala event at the Australian Museum, Sydney. It was a night to celebrate the
inspirational work of finalists, who continue to make a significant contribution to
the social fabric of our country. The night started amongst lions and fossils with
drinks and canapés in the ‘skeleton room’ to the vocal talents of a young singer
from our Private Banking division, Alicia Macdonald. With Melissa Doyle (Channel 7
presenter) as MC for the main event and Jason Yetton (Group Executive, Westpac
RBB) and Barry Thatcher (National Head of Education, Commercial Banking) as
our ‘barrel girls’, 20 finalists were celebrated and 8 of those were announced as
the award recipients. Guest were able to hear the amazing stories and aspirations
of our award recipients during a Q&A session, all whilst sitting under the skeleton
of a 57 foot (17.4m) sperm whale! The night finished with plenty of celebrations,
thought provoking conversations and no doubt everyone leaving with a sense of
amazement as to how much these finalists and award recipients had accomplished
so far.’
– Sahana Shetty
Indigenous Banking & Many Rivers
Project Managers: Jamie Luk, Ken Jiang, Jordan Lipson, Edwina Wong, Lenny Kary & Kathy Chan
Jamie developed and executed a reporting framework for the Indigenous Bank which has been
invaluable to the business. Meanwhile, Ken, Jordan, Ed, Lenny, Kathy and Preeta have been involved
in supporting Many Rivers, an Australian microfinance organisation. Many Rivers provides small loans
to individuals who are excluded from the financial system for various reasons (ranging from poor credit
history to being located in a remote area.) These loans assist in helping develop small businesses, which
provide a sustainable source of income for these individuals and their families.
‘GCI provided support for two pop-up stalls held this year where the products of
over 40 microfinance clients were sold. The team also participated in a building-
wide initiative to promote the event. In the years to come, when I think back to the
Graduate Program I will remember the great times I had volunteering at the Many
Rivers pop-up store with Dean and his team. It was a great experience to let our
fellow employees know about the great things Many Rivers does as an organisation,
as well as support the products made by the clients.’
– Edwina Wong
Social Sector Banking
Project Managers: Dan Florrimell & Megan Quinn
Megan and Dan took on the creation of the Guides for Community Organisations series.These are
produced for thousands of Westpac Social Sector customers to help support their financial education
in an accessible and relevant form. Key to this was liaising with community leaders and subject matter
experts to create interesting case studies and informative content. Between the two of them, they talked
to 12 thriving community organisations and maintained ongoing working relationships with three
experts – social impact consulting specialists Net Balance, prominent law firm Gilbert + Tobin and
Chartered Accountants Australia and New Zealand.
‘It was a fantastic experience to talk with so many fantastic community
organisations operating around Australia. The amount of work they put in for other
people is mind-blowing! This project was really worthwhile, because the best parts
of the guides allow these groups to learn from each other, which will hopefully give
them the information to do an even more amazing job.’
– Dan Florrimell
GCI Projects

Meet the
Graduates

22
AFSAustralian Financial Services
Graduates
Hi everyone,
First up I’d just like to say thanks.
Thanks for choosing Westpac Group as the place
to start your career, and for sharing your fresh
thinking and ideas with our ‘200 year old start-
up’. I know I speak on behalf of the entire team
when I say we are incredibly fortunate to have
had your bright minds helping our customers,
people and community to prosper and grow.
You are about to enter an environment that
continues to prove itself endlessly fascinating.
It is changing at a rapid pace - transforming
industries faster than ever before. As your next
chapter begins in this new paradigm,it will be up
to you to choose the direction you take and give
every opportunity your best.
By way of parting advice, I’d like to borrow the
fitting words of someone whose career I have
always admired.
Steve Jobs once said, “The only way to be truly
satisfied is to do what you believe is great work.
The only way to do great work is to love what
you do.”
My hope is that we have given you a foundation
to love what you do, a foundation that prepares
you for the incredible array of challenges,
opportunities, relationships and change that lie
ahead. Ultimately, I hope you finish your grad
role with a sense of purpose that will help guide
your career choices hereon.
Congratulations and good luck.
All the best,
Brian
A message from
Brian Hartzer
Chief Executive Officer, Australian Financial Services
23

Cary Cheung
Danny Pham
My best memory of the graduate program was meeting
and having a blast with all the grads!
I cannot live without playing, watching or breathing sport
If I had an extra $50 to spend I would put it towards my
travelling fund!
If a movie were made about my life, Bradley Cooper would
play me (I DEFINITELY don’t have a man crush on him)
My special talent is knowing most capital cities of the world
My best memory of the graduate program was meeting
lots of interesting people and making new friends
I cannot live without ready-to-cook meals
If I had an extra $50 to spend I would spend it on a nice
dinner
In 3014, the human race will have colonised our galaxy, or
at least would have made contact with extra-terrestrial life
forms somewhere
If I were an animal I would be an eagle, they’re so free!
Leonard Kary
Ragu
Sangarapillai
I cannot live without water
If I had an extra $50 to spend I would shout a round
The best invention made by man is the wheel – I like to ride
bikes
If I were an animal I would be an eagle
In my free time I like to get out into nature, either hiking or
to the beach.
My best memory of the graduate program was hosting
a charity event at St.Marys branch where I dressed up as
happy the dragon and took photos with our customers
I will be remembered for my wicked smile and hair style
In 3014, an iPad will be inserted in everyone’s arm that will
act as their phone, passport and bank account. People won’t
drive to work; there will be a teleporter that has as many
stops as the trains and buses
If a movie were made about my life Samuel Jackson would
play me
My special talent is eating the spiciest food in Sydney
without breaking a sweat!
New South Wales
Yvonne Lui
Shadé Zahrai
My best memory of the graduate program was becoming
friends with all the other amazing grads!
I cannot live without music
I will be remembered for breaking that board on Induction
Day
If I were an animal I would be a sloth
My favourite quote is ‘If you have good thoughts, they will
shine out of your face like sunbeams, and you will always
look lovely’ – Roald Dahl
My best memory of the graduate program was Sarah-
Jane’s heart-stopping rendition of her Mandarin Love Song
during Induction
I cannot live without Evan, Alan and Zeki from L23 Café,
Westpac Place
I will be remembered for My clap dance?
If a movie were made about my life Princess Jasmine
would play me
My favourite quote is ‘Do or Do Not. There is no Try.’
Bhagya Peiris
My best memory of the graduate program was hanging
out with all the Sydney AFS grads (+ Michael Leung the
token AFS grad)!
I cannot live without chocolate cake
The best invention made by man is sushi
If I were an animal I would be a cheetah
My favourite quote is “Life is short, eat dessert first”
Sean Blake
The best invention of mankind is Chicken Chow Mein
If I were an animal I would be a cheetah
The best piece of advice I was given was try your best and
have fun.
My favourite quote is “It’s funny how day by day nothing
changes, but when we look back everything is different”
– C.S. Lewis

Queensland
Retail & Commercial
Ed Bartlett
Lachlan Fearnley
Kelly McKendrick
Claire Vieritz
The best invention made by man is the Internet
In 3014 humans will have civilisation on other planets
If I were an animal I would be a Cheetah
If a movie were made about my life Russell Howard would play me
My favourite quote is “We can’t solve problems by using the same kind of
thinking we used when we created them” – Albert Einstein
The best invention made by man is a printer with a built-in stapler
If a movie were made about my life Edward Norton would play me
In my free time I like to follow the EPL
My special talent is booking cheap flights
I cannot live without my phone
My best memory of the graduate program was seeing Gail Kelly speak,
working as a Relationship Manager, all the events I have attended and
people I have met along the way
If I had an extra $50 to spend it would definitely go towards clothes
My favourite quote is “Be so good they can’t ignore you”
In my free time I like to plan overseas adventures
My special talent is being a masterchef (in my own opinion)
My best memory of the graduate program is a tie between Westpac
Commercial where I ran my first deal from start to finish (including sign up)
and St.George Retail where I developed training material to help branch
staff strengthen and better utilise their broker relationships then seeing
my work rolled out interstate
In 3014, Westpac will be able to prove that it was the world’s most
sustainable company!! I also hope we will all be a lot more eco-friendly
The best invention is money because its a fantastic invention enabling
trade across cultures, borders and languages. It enables fair value to be
paid in exchange for goods and services and is far lighter to carry than its
equivalent value in metal
My favourite quotes are ‘What is today but yesterday’s tomorrow?’ – Mr
Krabs, and ‘Fly and be free’ – Des Butler (university lecturer)
In my free time I like to play touch football, read books, go jogging, meet
up with friends and see new sights

Victoria
Retail & Commercial
Dan Florrimell
My best memory of the graduate program was the
moment when I handed over my work on a project to set up
a new area of retail, and realising what I had achieved on it
I cannot live without my laptop
If I had an extra $50 to spend I would get a nice dinner with
a friend
My favourite quote is “Everything that can be invented has
been invented” – US Commissioner for Patents in 1901.
My special talent is clapping with one hand
Joyce Fok Dean Holloway
Alex RaymentMegan Quinn
My best memory of the graduate program was the people.
So many inspirational leaders
I cannot live without my husband
If I had an extra $50 to spend I would treat myself to a
massage
In my free time I like to eat! Especially brunch
My special talent is designing & sewing dresses
The best invention made by man is the internet
In 3014, we will finally have flying cars and hover boards
If I were an animal I would be a shark
If a movie were made about my life Andy Lee would play
me
My favourite quote is “You cannot dream yourself into a
character; you must hammer and forge yourself in to one”
I cannot live without the internet. Movies, music, shopping,
and information at the click of a button
If I had an extra $50 to spend on a sunny day, I would buy
ciders and snacks for a picnic in the park
The best invention made by man is the aeroplane. I love
to travel and it would be near impossible without this
invention!
If I were an animal I would be a bird. It would be amazing
to fly!
My special talent is that I can speak French and Spanish
If I had an extra $50 to spend I would go to Mi Corazon
If I were an animal I would be a killer whale
In my free time I like to ride my bicycle and picnic with my
friends
My special talent is holding my breath during free dives

South Australia
Angus Caldicott-Chan
Jim Malavazos
My best memory of the graduate program was shadowing a manager
who spent a good part of the day explaining the complexities of Battlefield
4 after I said I didn’t like it.
The best invention made by man is the toothbrush
In 3014, Mankind will have left earth, probably by travelling through Virgin
Galactic
If I had an extra $50 to spend I would give it to a homeless person
In my free time I like to play tennis and spend time with friends and family
My best memory of the graduate program has been meeting so many
great people and being part of both the Graduate Meetings Committee
and the Youth Network Summit
I cannot live without hot sauce
In my free time I like to play sports including outdoor and indoor soccer
I will be remembered for my hair
If I had an extra $50 to spend I would get a hair cut
SuAnn Drew
My best memory of the graduate program was meeting up with all
the grads at the induction in Sydney and just having a ball! Also felt
pretty special at the other end of the spectrum when I rolled off into my
permanent role as a Relationship Manager in Premium.
I cannot live without travel and having my next trip away booked!
If I were an animal I would be my cat. He has the best life ever, it’s
ridiculous.
My favourite quote is anything by Tim Minchin
In my free time I like to spend a lazy afternoon with a good book, my cat
and a cup of tea/glass or wine …. Yes, I’m a crazy cat old lady!!!
Jim Malavazos @ Westpac Place
SuAnn Drew @ Grad Closing Ceremony
Western Australia

32
BT
GRADUATES Congratulations on completing your graduate
program with BT Financial Group and thank
you for your contribution to our business. While
this program is undoubtedly a tremendous
opportunity for you, the fresh new approaches
you bring to our business are just what we need
to ensure that we are keeping in touch with a
new generation of customers.
Now that you are ready to pursue the next steps
in your career, I’d like to offer a few words of
advice from my own experience.
Don’t be afraid of humble beginnings. Whatever
your next role, relish every opportunity that
comes your way. My first role was in customer
service, which has given me a terrific affinity for
people in those jobs now.That job made me very
grounded and that’s the sort of people that I look
for now.
Be passionate about what you do. Whatever role
you take, make sure you are inspired by the vision
and values of the company. Opportunities will
come up and to position yourself to have those
opportunities means you’ve got to be enjoying
what you’re doing because people like to be
around people who are happy and positive. And
you’ve got to be good at doing it, and you’ve got
to be seen to be somebody who’s got potential.
Then opportunities come your way and you can
make choices.
Your views are valuable. Don’t just implement
what you are told, challenge with respect.
If you are ready for your next job, then act like
you are in that job. You need to be doing a great
job in your current role, but also think about your
discretionary effort; project yourself into your
next role
The future is in your hands. What an exciting
world you are entering into. All the very best for
a successful and fulfilling career.
Brad Cooper
A message from
Brad Cooper
Chief Executive Officer, BT Financial Group
FINANCIAL
GROUP
33

2014 Graduates
Bethany Egan
BT Super, Marketing and Direct
I cannot live without my Peter Alexander Ugg boots and my iPhone
The best invention made by man is chocolate scotch fingers
If I were an animal I would be a cat
In my free time I like to sleep in, go to brunch and bake
My special talent is making gingerbread
Alexandra Cottrell
BT Platforms and Operations
I will be remembered for drinking... A LOT!
The best invention made by man is Panadol
My favourite quote is “Whatever the mind can conceive and believe, it can
achieve”
In my free time I like to ride my motorbike
My special talent is being able to talk about nothing for hours on end
Ken Jiang
BT Advice
My best memory of the graduate program was attending the Portfolio
Construction Forum Conference
In my free time I like to practice Brazilian jiu-jitsu
The best invention made by man is KFC
I cannot live without Google
If a movie were made about my life Mark Wahlberg would play me
Jordan Lipson
BT Insurance and Investments
My best memory of the graduate program was my boss at Advance
If I had an extra $50 to spend I would bet on the last race at Randwick
I will be remembered for numbers
The best invention made by man is beer
If a movie were made about my life Brad Pitt would play me, of course!!!

Sarah-Jane Riley
BT Super, Marketing and Direct
My best memory of the graduate program was having the opportunity to work
with my awesome GradWrap team
If I had an extra $50 to spend I would go to Golden Century and eat duck
If I were an animal I would be a snake through and through
My favourite quote is ”Strive not to be a success, but rather to be of value.”
– Albert Einstein
My special talent is being able to touch my nose with my tongue
Sahana Shetty
BT Advice
My best memory of the graduate program was working on the Westpac
Community Leaders Awards 2014 (AND Kate Weber’s ‘Keeping up with the
Kardashians’ presentation at the presentation skills workshop was definitely a
close second)
If I had an extra $50 to spend I would buy 3 kebabs and the remaining on extra
garlic sauce
If I were an animal I would be a giraffe
My favourite quote is ’BT…big thighs’ SJ & Cutie K
In my free time I like to socialise, exercise, read, listen to music, eat & sleep
Sherin Mak
BT Platforms and Operations
My best memory of the graduate program was the GRAD SKI TRIP!! Good
company, good hot chocolate and of course snowboarding :)
I cannot live without coffee, especially on Monday mornings
If I were an animal I would be a panda
My favourite quote is CALM YOUR FARM
My special talent is remembering birthdays, passwords and phone numbers
Karishma Shringapure
My best memory of the graduate program was the grad ski trip to Thredbo
and my Greek-themed farewell morning that was organised by my “work
family”
I cannot live without YUMMY FOOD, a good night’s sleep and my morning cup
of tea (yes I am a grandma)
If I had an extra $50 to spend I would save it for a bigger and better purchase
– like a new phone (anybody who has seen my current phone would say I
desperately need it!)
I will be remembered for my silent and contagious laughter
The best invention made by man is definitely hot chips or hot chocolate, but
the internet is a close second.
Kate Weber
If I had an extra $50 to spend I would put it all on black
The best invention made by man is modern plumbing
If I were an animal I would be a lioness
If a movie were made about my life Emma Stone would play me
My special talent is that I have an encyclopaedic knowledge of Keeping up
with the Kardashians
Susanna Zhu
BT Private Wealth
The best invention made by man is the airplane
I cannot live without earphones on my daily commute
My favourite quote is “live life to the fullest”
In my free time I like to travel to new places, eat yummy food and be with my
loved ones

38
FINANCE
GRADUATES I would like to congratulate our Finance graduates who have completed the graduate
program this year. The graduate program is a wonderful way to learn about the many
different areas across Westpac Group. We feel honoured to attract such a high calibre of
graduates every year. We enjoy working with the graduates in our Finance teams and
look forward to working with you, as you continue your journey with Westpac.
I really enjoyed spending time with both the 2013 and 2014 graduates earlier in the year.
I could feel the passion and enthusiasm in our team. Reflecting on my career, my advice
for graduates would be; always ask why and never be scared to ask questions; take the
opportunity to move around, as this will help you gain wider experience and knowledge
of our teams and the Bank; be interested in strategy and it’s never too early to think about
leading a team.
Keep up your passion and do what you love to do. I wish you all the best for the future.
Peter
A message from
Peter King
Chief Financial Officer, Westpac Group
39

Michael Boscoscuro
The best invention made by man is... there’s a
lot out there. Sliced bread is something is hard
to pass up, but for me man-made flight is the
winner.
If I were an animal I would be an eagle. King of
the skies!
My favourite quote is “Life is like a box of
chocolates, you never know what you’re going
to get”
In my free time I like to play some golf, go for a
swim, watch some footy, have a beer. Enjoy life!
Often you’ll find me down in sunny Wollongong
My special talent is an ability to link a Simpson’s
quote to almost any aspect of life
Nicholas Cooper
I cannot live without Whale Beach Surf Life
Saving Club. Since we were young, my friends
and I have put a lot of work into building this
privately owned Surf Club
The best invention made by man is action
cameras. These little magic devices can capture
such brilliant moments to share
My favourite quote is “Chance favours the
prepared mind.” – Louis Pasteur. I firmly believe
that every one of us is handed our fair share of
luck
In my free time I like to surf and ride motorbikes
My special talent... I’m a little bit of a closet
muso, and this year I brought out my saxophone
to do a cover of Careless Whisper for the BTFG
Talent Night
Amanda Liu
I cannot live without cheese toasties
If I were an animal I would be a penguin
The best invention made by man is chocolate
covered anything eg. Chocolate covered coffee
beans
My favourite quote is “Ever tried. Ever failed.
No matter. Try again. Fail again. Fail better”
My best memory of the graduate program is
meeting amazing people and making lifelong
friends
Claire Luo
My best memory of the graduate program
was building a bridge at induction
I cannot live without good food
The best invention made by man is internet
If a movie were made about my life Natalie
Portman would play me
In my free time I like to travel
2013Grads
Christopher Game
I cannot live without laughter
If I had an extra $50 to spend I would take
mates out for a drink
The best invention made by man is coffee
If a movie were made about my life Mark
Wahlberg would play me
My favourite quote is “Do or do not, there is
no try”
Charmaine Li
If I had an extra $50 to spend I would buy two
little jars of truffle paste and get Amanda to
make me truffle pasta
The best invention made by man is fanfiction,
naturally
If I were an animal I would be a Charmander;
I’d roast marshmallows with my tail
If a movie were made about my life Sarah
Rafferty (Donna from Suits) would play me
My favourite quote is “Don’t worry guys, I got
this!”
Khoa Quy
If I had an extra $50 to spend I would wait til
Tuesday to buy 5 and a half buckets of 9-piece
KFC
The best invention made by man is the KFC
pressure Fryer
If I were an animal I would be a panda - the
most overly-protected animal on the planet!
In my free time I like to go find good fried
chicken with Michael Boscoscuro
My special talent is knowing an large amount of
useless facts about the English Premier League
(soccer)
Edward Vuong
I cannot live without money, it makes the world
go around
The best invention made by man is electricity
In 3014, I will be decomposing in the ground,
with cars flying above me
If I were an animal I would be afalcon, so I can
move between places quickly
In my free time I like to play console and pc
games and play tennis

2014Grads
Katherine Ba
I cannot live without gym
If I had an extra $50 to spend I would buy
Amazon stock and hold it for 5-10 years
The best invention made by man is Google
My favourite quote is “What you think, you
become”
In my free time I like to let my mind run wild
Aarti Gupta
The best invention made by man is gelato
If I were an animal I would be a meerkat
My favourite quote is “You have brains in your
head. You have feet in your shoes. You can
steer yourself in any direction you choose” - Dr.
Seuss
In my free time I like to catch up with friends
David Hawksby
My best memory of the graduate program
was the challenge of helping the team improve
manual processes, to allow focus on analysis
rather than process.
I cannot live without my girlfriend, I mean this
literally in that without her I would probably
have died of cold, hunger or pestilence.
Probably pestilence.
The best invention made by man is
mathematics, it explains so much of the world
in a wonderfully simply way — statements so
simply but forever true.
My favourite quote is “You don’t need eyes to
see, you need vision”
In my free time I like to travel – anywhere,
everywhere. So much to see in the world. So
little time.
Vincent Hee
If a movie were made about my life John Cho
would play me, because apparently I look like a
40 year old Korean man.
The best invention made by man is the
sandwich press, much more versatile than
the name suggests. Definitely an underrated
cooking appliance.
In my free time I like to sleep, eat, game.
Repeat.
My favourite quote is “When I was a child, my
mother said to me, ‘If you become a soldier,
you’ll be a general. If you become a monk you’ll
end up as the pope.’ Instead I became a painter
and wound up as Picasso.” —
Pablo Picasso
IfIwereananimalIwouldbeabear.Hibernation
through winter and a diet consisting mainly of
salmon sounds appealing.
Helen Nguyen
My best memory of the graduate program is
all the lovely people that I’ve met throughout
the year – particularly the grads through
training sessions
I cannot live without my fiancé and food – I
love my food, and my fiancé
In 3014, humans will become completely
reliant on technology. There will be teleporting
machines, hover cars and telephones in our
hands. Watch out for Skynet!
If I were an animal I would be a bird so that I
can travel the world across the land and seas
whenever I please
My favourite quote is “Dream big, work hard,
stay focused and surround yourself with good
people”
Manon Worthington
I cannot live without chocolate, iPad, chocolate,
GPS, oh, and chocolate
If I had an extra $50 to spend I would stock
up on chocolate – you know there could be a
chocolate shortage by 2020 right?
If I were an animal I would be an eagle so I
could fly and have eagle eyes
My favourite quote is ”I like nonsense, it
wakes up the brain cells. Fantasy is a necessary
ingredient in living, it’s a way of looking at life
through the wrong end of a telescope.” – Dr
Seuss
In my free time I like to spend time outside
after being couped up in the office all week -the
beach, bushwalking, whatever
Marcus Jelicic
I cannot live without my iPhone – really can’t
survive without my music
I will be remembered for my sexy red jumper
In 3014, stem cell research will have advanced
enough that I’ll still be alive, living in a log cabin,
skiing 200 days a year
If a movie were made about my life, I’d really
want to be played by Robert Downey Jnr, but in
reality, probably by Matthew Perry (Chandler)
My favourite quote is “Excellence Matters”
Meyvian Ong
My favourite quote is, “A journey of a thousand
miles begins with a single step.”
In my free time I like to stay fit and healthy but
also be able to indulge in Messina every now
and then.
I cannot live without To-Do lists. Boring but
essential.
The best invention made by man is definitely
high heels!
If I were an animal I would be a dolphin - a very
happy animal that gets to swim all day.

44
All great companies need great graduates, so thank you to all those that helped Group
Technology during 2014. We hope your experience was fun and rewarding and that
you’ll stay in touch - and let the next intake know what great opportunities await them
at Westpac Group.
For the new cohort of graduates coming in, we look forward to your enthusiasm, fresh
perspectives and ideas, which will help Group Technology drive the Service Revolution
to get Westpac Group to No. 1 by 2017.
Well done to both cohorts and good luck for 2015.
Cheers,
Dave Curran
PS – When you’re thinking about jump-starting your career, think Westpac. As you
know, we have great people, meaty challenges and a fantastic workplace culture -- and
we’d love you to be a part of our 200-year start-up!
A message from
Dave Curran
Chief Information Officer, Westpac Group
TECHGRADUATES
45

2013
Lauren Geraghty
I cannot live without chocolate!
If I had an extra $50 to spend I would go to JB Hi Fi
In my free time I like to relax at the Beach
My special talent is playing guitar at weddings
Tad Baljevic
I cannot live without air
If I had an extra $50 to spend I would spend it
I will be remembered for my height
If a movie were made about my life George Clooney would play me
My favourite quote is “Yer a wizard, Harry”
Mal Begley
I cannot live without cheese
If I had an extra $50 to spend I would buy a case of James Squire 150 Lashes on special at Dan Murphy’s
The best invention made by man is see answers 1 + 2
In 3014, we will be 14 years into the zombie apocalypse
My favourite quote is “Always forgive your enemies, nothing annoys them so much”
Eileen Bell
If I had an extra $50 to spend I would… That’s easy – bottle of Scotch!
If I were an animal I would be a wolf
If a movie were made about my life Tina Fey would play me
My favourite quote is “I believe that everything happens for a reason. People change so that you can learn to let go,
things go wrong so that you appreciate them when they’re right, you believe lies so you eventually learn to trust no one
but yourself, and sometimes good things fall apart so better things can fall together.”
In my free time I like to lounge in my hammock, UFC, binge watch TV series eating, Gaming.
Mohammed Jaber
My special talent is being able to dunk on a 10 feet high basketball ring
If I had an extra $50 to spend I would buy Salmon Sashimi and Avocado
The best invention made by man is the airplane
If I were an animal I would be the Black Mamba
In my free time I like to watch educational documentaries
Danny Soo
If I had an extra $50 to spend I would put it all on red
I will be remembered for being the guy that nobody knows
The best invention made by man is Instant Noodles
My favourite quote is “You snooze you lose”
In my free time I like to sleep
Nick Telford
My best memory of the graduate program was at induction when I met total
strangers who would turn out to be great friends
If I had an extra $50 to spend I would buy a rack of BBQ ribs
I will be remembered for my care-free attitude
If I were an animal I would be a bear
In my free time I like to watch American sports
2013 Technology Graduates

2014 Technology
Graduates
If I had an extra $50 to spend I would not spend it and save it for my next trip overseas.
The best invention made by man is the printing press because of the way it has advanced
and spread knowledge in every foreseeable subject continuously since its inception.
In 3014 I’ll be dead, South’s will have one at least one more premiership and I imagine we
will be inhabiting other planets
My favourite quote is “Your beliefs become your thoughts, your thoughts become your
words, your words become your actions, your actions become your habits, your habits
become your values, your values become your destiny.” — Mahatma Gandhi
In my free time I like to travel, ride my dirt bike and go out
Lachlan
Brown
My best memory of the graduate program was the opportunity to be a part of the Hive
Launch where we showcased some of our Innovation capabilities and tools to Gail Kelly
and the leadership team.
If I were an animal I would be a giraffe because I have always wondered how they keep
their balance with such long necks.
I cannot live without the people in my life (including my twin sister, family and friends)…
and ice cream!
In my free time I like to play board games and write songs.
My favourite quote is “He is no fool who gives what he cannot keep to gain that which he
cannot lose.”
Kathy Chan
My best memory of the graduate program was the Grad Ski Trip!
I cannot live without family and friends
If a movie were made about my life Kaley Cuoco would play me. She’s used to people
calling her Penny, I don’t think she’d mind.
The best invention made by man is Skype
My favourite quote is “Those who were seen dancing were thought to be insane, by those
who couldn’t hear the music” – Friedrich Nietzsche
Penny
Johnson
My best memory of the graduate program was the snow trip and the many times we fell
down the slopes trying to ski
I cannot live without water, I carry a bottle with me everywhere
If I had an extra $50 to spend I would go on a chocolate degustation
The best invention made by man is Reese’s Peanut Butter Cups
In 3014, I will have travelled to all the continents in the world (minus Antarctica because I
can’t handle extreme cold)
Melinda
Jamieson

My best memory of the graduate program was meeting so many great new people both
in and out of the grad program
I cannot live without my earphones for travel to work!
The best invention made by man is the Internet
My favourite quote is “The supreme quality for leadership is unquestionably integrity.
Without it, no real success is possible, no matter whether it is on a section gang, a football
field, in an army, or in an office.” — U.S. President Eisenhower
In my free time I like to ride mountain bike around the different trails in Sydney
Ben Ley
I will be remembered for being that person who always emailed about something
GradWrap related
In 3014, hoverboards, Death Stars, Millennium Falcons and boldly going where no man has
gone before will be a reality
If a movie were made about my life Arden Cho would play me (..I wish!)
My favourite quote is “You’ve gotta dance like there’s nobody watching, love like you’ll
never be hurt, sing like there’s nobody listening and live like it’s heaven on Earth”.
In my free time I like to paint my nails
Lexie Leung
My best memory of the graduate program was the first few days of meeting all the other
graduates, forming friendships and meeting my new team for the first rotation. That’s
when it felt like the program had truly begun and that I had made the right choice because
I was surrounded by the right people
I cannot live without food! Good, rich food
If I were an animal I would be a cat. Love them and my friends say my personality is like a
cat
In my free time I like to see my friends and family or relax with a book/movie/TV show
My special talent is that I always have an explanation for my actions and can justify
whatever I do to myself and others
Resham Khan
I cannot live without completing this yearbook profile
I will be remembered for tying my shoelaces
In 3014, Westpac will be celebrating its 1197th year anniversary
In my free time I like to ponder about what do
My special talent is being able to quickly tie shoelaces
Anthony Lu
My best memory of the graduate program was winning money from Govhack with my
fellow grads then reinvesting the money to visit Jamie in his Singapore Rotation!
I cannot live without tea! Lots of it! Peppermint, Earl Gray and Green :)
The best invention made by man is a tie between coloured post-it notes and dark
chocolates
If I were an animal I would be the infamous Grumpy Cat!
In my free time I like to go running in Winter and swimming in Summer
Tiffany Leung
I cannot live without Internet
If I had an extra $50 to spend I would buy more coffee
The best invention made by man is the computer
In 3014, there’ll either be a zombie apocalypse or an alien invasion
My favourite quote is “When you have eliminated all which is impossible, then whatever
remains, however improbable, must be the truth”
Benny Li

I cannot live without food and music!
If I had an extra $50 to spend I would buy a whole lot of snacks from the supermarket
If a movie were made about my life Lucy Liu would play me… one can only dream
My favourite quote is “The purpose of our lives is to be happy.”– Dalai Lama
In my free time I like to take my 4 dogs for a walk around the neighbourhood
Anna Ngo
I cannot live without two coffees at least a day
If I had an extra $50 to spend I would buy a comparable amount of bitcoin with it and
earn a small profit
I will be remembered for being the grad that loves chicken schnitzels
The best invention made by man is the Internet, for obvious reasons
If a movie were made about my life Hugh Grant would play me
Chris Miletich
My best memory of the graduate program was working with some very talented people
who make it a joy to come to work
I cannot live without L23 Café coffee happy hour
The best invention made by man is the little piece of plastic at the end of your shoelace
If a movie were made about my life Jude Law would play me
My favourite quote is “Our deepest fear is not that we are inadequate, our deepest fear is
that we are powerful beyond measure”
Russell Martin
My best memory of the graduate program was when I won a prize for Best Homemade
Dish in the C&CS (Corporate and Customer Systems) international lunch
The best invention made by man is the smartphone
In 3014, Westpac will open its first branch on Mars
In my free time I like to build my model cars or go rock fishing with my friends
My special talent is I can type SUPER fast (hopefully this is a talent)
Tim Qiao
I cannot live without family, friends, food and Drake
If I had an extra $50 to spend, I would buy heaps of strawberry gum
In 3014, I predict iPhone 1006, sometime in September/October
My favourite quote is “You can do anything but not everything” – David Allen
In my free time I like to experiment with tasty and healthy recipes
Shirin
Ramadan
I will be remembered for being deported to Singapore
The best invention made by man is chicken rice
My favourite quote is “You miss 100% of the shots you don’t take” – Wayne Gretzky
In my free time I like to travel, play basketball and eat
My special talent is finishing 1kg steak challenges
Jamie Luk

I will be remembered for my hair (sadly)
The best invention made by man is the iPhone, duh!
If I were an animal I would be a unicorn
If a movie were made about my life Lindsay Lohan would play me
My favourite quote is “Find someone who has a life that you want and figure out how they
got it. Read books. Pick your role models wisely. Find out what they did and do it.” Lana Del
Rey
Nick
Spyropoulos
I cannot live without a good scotch, a good read and stimulating conversation
The best invention made by man is Capitalism. Greed – for lack of a better term – is good.
In 3014, we will be living the Star Wars man!
If a movie were made about my life Jesse Eisenberg circa 2002 would play me
My favourite quote is “We can spend our lives letting the world tell us who we are. Sane or
insane. Saints or sex addicts. Heroes or victims. Letting history tell us how good or bad we
are. Letting our past decide our future. Or we can decide for ourselves. And maybe it’s our
job to invent something better.”
Chris Roche
My best memory of the graduate program was when my team won the Spark Award
I cannot live without my family
In 3014... too far away to think about
My favourite quote is live each day like it’s your last
In my free time I like to dance
Sangeetha
Viswanath
If I had an extra $50 to spend I would buy a Tile Wireless Key Finder – I have the ugly habit
of losing my keys and this is the best piece of tech to find your keys :)
The best invention made by man is the airplane – flying is amazing.
In 3014, robots will be the dominant species on the planet…
My favourite quote is “A Rolling stone gathers No Moss”
My special talent is sleeping with my eyes open
Mayank Verma
I cannot live without Spotify
I will be remembered for taking photographs of everyone!
In my free time I like to catch up with old mates and ride my motorbike around Sydney
The best invention made by man is Destiny the game
If a movie were made about my life Kim Jong Un would play me
Alan Yeung
If I had an extra $50 to spend I would spend it
I will be remembered for at least the duration of our conversation, perhaps longer if I say
something intelligent
In 3014, the sum of the year’s four digits will be 8, the same value as 1000
My favourite quote is the double quote, ““”
In my free time I like to answer silly questions
Steven Turner

56
Enterprise
Risk &
HR
Graduates
Congratulations on finishing the Westpac Group Graduate program, and thank you all for your
contribution.
I’m delighted that many of you will be continuing your career with us and I look forward to supporting
you and watching you flourish as you move forward with the Group.
Whatever your next step may be, I encourage you to make the most of the many experiences and
resources available to you and hope you continue to grow and prosper in your future career.
Wishing you every success,
Christine
A message from
Christine ParkerGroup Executive, Human Resources & Corporate Affairs
I have been in and around financial services for 31 years (scary thought) so my time as a graduate
was quite a while ago! But I still remember the sense of excitement about all the possibilities that
lay ahead. Reflecting back (and we all know hindsight is 20/20) there are some themes I thought I
would share.
• Set goals but be prepared to change them or modify your path to them – life is not predictable.
• Every cloud has a silver lining. Life is full of challenges. Accept that you will make mistakes and
missteps and often they will be uncomfortable but that will help build the strength and resilience
that all leaders must have.
• Choose to be positive – are you a glass half empty or full person?
• Build your networks, find role models or attributes and sounding boards – both men and women
- who share your values, whom you can relate to and connect with. Seek out mentors from
within and outside of the industry. Be prepared for real and honest feedback that you may not
have thought of before – and act on it. Opportunities often come from unexpected places.
• Be generous with your time.Take time out to help others.
• Take time out to reflect and be self-aware. Do a stocktake now and again of your skills and
preferences, development needs and blind spots.
My last piece of advice is to go for it and grab opportunities – in your own way and time of course –
but back yourself, have a sense of curiosity and be a lifelong learner. A sense of humour often helps
too!
I love a good quote and this one is for you (courtesy of Confucius) – “Choose a job you love and you
will never have to work a day in your life”. I wish you all the very best with your future choices as you
embark on your career journey.
A message from
Alex HolcombChief Risk Officer, Westpac Group
57

Abby Dao
Enterprise Risk
I cannot live without warmth and sunlight. I hate being cold
The best invention made by man is Instagram (does it count?)
If I were an animal I would be a cat, so day-time napping is something expected of me
My favourite quote is “Treat others the way you’d like to be treated”
In my free time I like to read or have picnic somewhere warm and sunny
Nicole Murray
Australian Banking Risk
My best memory of the program is the grad ski trip
I cannot live without summer time and the beach! It’s hard not to be happy when the sun is shining and
the sand is between your toes.
If I had an extra $50 to spend I would buy as many packets of Doritos as that could afford me
If I were an animal I would be a dolphin
My favourite quote is “Life is better when you’re laughing”
Ann Tran
Australian Banking Risk
If I had an extra $50 to spend I would buy Messina - Five whole tubs of it
If I were an animal I would be a Labrador who lives in Bondi – so I could go for a morning swim in the ocean, laze
around in the sun, chase all the seagulls and be loved by my family!
The best inventions of mankind are shoes with laces, photography, non-stick pans, corrective lenses, deep fried
Golden Gaytimes and the internet
If a movie were made about my life Emma Stone would play me (our resemblance is uncanny)
My favourite quote is “The grand essentials of happiness are: something to do, something to love, and something to
hope for.”
Edwina Wong
Human Resources
The best invention made by man is the machine that carves potatoes into curly fries
If I were an animal I would be a house cat
If a movie were made about my life Jonah Hill would play me
In my free time I like to read, snack and sunbathe
My special talent is imitating accents e.g. Owen Wilson and Christopher Walken

60
WIBWestpac Institutional Bank As Graduate employees of the Westpac
Group, I hope each of you have relished
the opportunity to gain valuable
experience with Australia’s first bank, and
first company.
Having been in your footsteps, all the way
back in 1986 when I joined as a graduate,
I know firsthand how far the opportunity
you have had this year, can take you.
The pace of change since I joined has
simply been phenomenal. There have
been financial, economic, political and
regulatory challenges, and dramatic shifts
in economies around the world including
China emerging as an important trading
partner in each of the countries we operate.
Responding to this, we have just officially
opened our sub-branch in the Shanghai
Free Trade Zone, allowing us to provide
deeper support for our customers and
leverage the opportunities expected to
come with China’s economic and financial
markets reform.
As the world changes, so does our business
and our footprint. We’re now proudly
helping customers achieve their financial
goals in Australia, New Zealand, Pacific,
United States, United Kingdom and key
Asian centres. And this has meant we
were in the fantastic position to welcome
graduates in Asia for the first time this
year!
One piece of inspiring advice I would like
to leave with you is about opportunity.
When The Hon. Megan Latham spoke
to Westpac employees earlier this year as
part of our International Women’s Day she
shared:
“The reason you never say no to an
opportunity is because that chance may
not come again, you don’t know if you will
like it or not like it, you don’t know if you
are going to develop your potential, but
believe me, you will find out. And if you
don’t like it, then change. But certainly,
don’t ever say no to an opportunity to step
up to the mark.”
Congratulations for your efforts and
contribution this year. Whether you are
continuing your career with the Westpac
Group or another organisation, I wish
each of you all the best in your future
endeavours.

Best wishes for the festive season and a
prosperous 2015.
Rob Whitfield
A message from
Rob Whitfield
Chief Executive, Westpac Institutional Bank
GRADUATES
61

Lucy Carroll
Financial Markets
My best memory of the graduate program is travelling to the Hunter Valley with the FM grads
If I had an extra $50 to spend I would have it for about two minutes
I will be remembered for something yet to come, hopefully; I don’t feel as though I’ve peaked
The best invention made by man is the schticky
If I were an animal I would be a jaguar
Brenden Chen
Financial Markets
If I were an animal I would be hawkish
If a movie were made about my life I’d play myself, actors get paid a lot
My favourite quote is “60% of the time it works every time”
In my free time I like to flop on the couch and pretend I’m still living the student life (ie. stay
there the whole day)
My special talent is see response to “In my free time I like to…”
Maddy Ebrill
Corporate and Institutional Banking
My best memory of the program was the grad ski trip!
I cannot live without Christmas
If I had an extra $50 to spend I would buy 11 White choc and raspberry Brownies from the
baking depot
In 3014, species will write about a place once known as Earth
My favourite quote is “Don’t cry because it’s over. Smile because it happened.” — Dr. Seuss
David Hum
Financial Markets
I cannot live without Asian food
If I had an extra $50 to spend I would put it on number 26 in roulette, and win
In 3014, everyone will be part Chinese
My favourite quote is life gives you what you deserve
Christina Wijeratne
If a movie were made about my life Will Smith would play me
If I had an extra $50 to spend I would buy the Fresh Prince box set
The best invention of mankind is every Will Smith movie ever made
I cannot live without Will Smith
In 3014, that Fresh Prince box set I bought with that proverbial extra $50 will be worth $50m
2014 Graduates

Jenny Chen
My best memory of the program was the first day of the Group induction at the start of
the year. It was quite an exciting moment with all the 2014 graduates together in one room,
especially when we were enlightened by a motivating speech from Gail Kelly
I cannot live without nature. When I feel stressed, cycling along the beach or running around
the park near my house always manages to calm me down
If I were an animal I would be a cheetah for its speed and hunting prowess
The best piece of advice I was given was to follow the three A’s - Admire, Accept and
Appreciate. Admire the people you know, accept people for who they are, and appreciate the
people you’re surrounded by
My favourite quote is “Only those who will risk going too far can possibly find out how far they
can go” - TS Elliot. This quote has been especially pertinent in the last couple of years where
I’ve been in challenging situations stretching me beyond what I thought was possible at the
time
Emily Gaedtke
Financial Markets
My best memory of the graduate program was the Financial Markets ACI Trading Simulation
‘camp’ in the Hunter Valley
I cannot live without Cadbury Black Forest chocolate and my car
The best invention made by man is the iPhone 6 – I’m in love
My favourite quote is “promise me you’ll always remember: you’re braver than you believe,
and stronger than you seem, and smarter than you think” — A. A. Milne
In my free time I like to go to new places and enjoy a scenic run followed by breakfast at a
nice café (favourite: Bondi to Bronte run followed by an açai bowl at Gusto café)
Michael Leung
Global Transactional Services
If I had an extra $50 to spend I would buy $30 worth of sushi and $20 worth of fried chicken
every time
If I were an animal I would be a monkey. They are relaxed, cheeky, very smart, get fed
bananas and can climb quick
If a movie were made about my life Will Smith would play me – he’s funny, has strong ethics,
and is relaxed. His acting is alright too
My favourite quote is “life is not about who’s right, it’s about who’s left.”
In my free time I like to GEST – gym, eat, sleep, tv shows
Bob Lin
My best memory of the program was the opportunity to work with and learn from like-
minded individuals in understanding the business models of corporates and being involved in
discussing financing solutions
If I had an extra $50 to spend I would buy half a lobster (hopefully)
The best invention of mankind is the wheel
If a movie were made about my life Matthew Perry (aka Chandler Bing) would play me
My favourite quote is “Two roads diverged in a wood, and I – I took the one less travelled by,
and that has made all the difference.” – Robert Frost, “The Road Not Taken”
Xinyu Ru
Financial Markets
My best memory of the program was getting to spend a week in the Hunter Valley learning
about financial markets with the rest of the graduates
The best invention of mankind will be the robot
In 3014, we will all own our own robot which will work for us and we will have more free time
The best piece of advice I was given was to enjoy what you do, seek out opportunities and
work for someone that you idolise
If I had an extra $50 to spend I would buy a book, probably
Preeta Seshachari
Global Transactional Services
My best memory of the graduate program was Presentation Skills Training – we got paid to
be weird and I loved every second of it
I cannot live without coffee. Said every grad, ever
The best invention made by man is the Nespresso machine - refer back to my earlier point
about coffee
If I were an animal I would be a penguin - I think penguins have an awesome sense of
community (and they’re always dressed for a fancy occasion)
My favourite quote is “Find joy in everything you choose to do. Every job, relationship, home…
it’s your responsibility to love it, or change it.” – Chuck Palahniuk
Jeff Tjeuw
Financial Markets
My best memory of the graduate program was impossible to choose, because coming
in everyday to work in the capital markets in honestly a dream come true. Trading against
counter parties around the world is a challenging but rewarding job, but ultimately working
with the best people to be the No.1 ranked bank in Australian fixed income is an experience
that will stay with me for life
If I were an animal I would be an Antarctic Polar Bear
If a movie were made about my life Charlton Heston would play me
My favourite quote is “Perseverance is the hard work you do after you get tired of doing the
hard work you already did.” – Newt Gingrich
My special talent is clay pigeon shooting
Blake Young
Debt Capital Markets
I cannot live without fresh air, earth, sun and water
The best invention of mankind is the scientific method
In 3014, humankind will have eradicated extreme poverty and hunger, implemented an
effective system of environmental sustainability, secured universal primary education and
healthcare for every person and effected the universal emancipation of women
The best piece of advice I was given was choose to be who you want to be, not who you think
you are
My favourite quote is “To know is to know that you know nothing; that is the meaning of true
knowledge”

WIB Singapore
Graduates
Mai Le
I cannot live without xiao long bao and ramen!!
The best invention made by man is Harry Potter of course!
If a movie were made about my life Blake Lively or Rachel McAdams would play me.
My favourite quote is “Love is patient, love is kind. It does not envy, it does not boast, it is not
proud...”
My special talent is feeling completely happy for no apparent reason.
John Loh
I cannot live without $50
If I had an extra $50 to spend I would buy food
The best invention made by man is the Apple iPhone
In 3014, humans will be able to teleport
If I were an animal I would be an elephant
Lucy Luo
If I were an animal I would probably be a cat, a cute one with fluffy ears and a naughty yet
brave character
My favourite quote is by Virginia Woolf – “To look life in the face, always, to look life in the
face, and to know it for what it is...at last, to love it for what it is, and then, to put it away...”
In my free time I like to go work out in a gym / play sports (volleyball, table-tennis, picking up
netball) or go for a food adventure/shopping/watch a movie/karaoke with friends.
My best memory of the graduate program was one day when we went for netball practise
after work on Tuesday
I cannot live without hope. I guess we all can’t
Joanna Phay
My best memory of the graduate program was the youth network and dnd
I cannot live without friends
In 3014, the world would have ended
In my free time I like to cycle and swim
Baodi Yang
My best memory of the graduate program was... hard to pinpoint. I joined this program in
Jan 2014 and every rotation was like pressing the reset button. The best memories were those
times when people around me spent hours talking to me, giving me explanations, guides and
suggestions. The feeling of being taken care of was very warm and nourishing
If I had an extra $50 to spend I would put it in the box the musicians play on the side of street.
They are the ones that give our urban life a pleasant surprise and character
The best invention made by man is the sound recorder. Sound and smell are the senses, I
believe, that activate our memories the most - they capture the atmosphere around us
If I were an animal other than a human, I would be a nemo
My favourite quote is “That which does not kill us makes us stronger”, before I knew the
English version, an old saying from my grandpa was: “We grow taller every time we break our
bones”

Upcoming CEO
Shadé Zahrai
Most Likely
AwardsWe asked the 2014 graduates to nominate their peers
for our ‘collegiate’ awards
Runners up:
Alex Cottrell, Blake Young
Miss Congeniality
Kathy Chan
w
Mr Congeniality
Nick Spyropoulos
Life of the Party
Alex Cottrell
Walking People Directory
Preeta Seshachari
Best Dressed Male
Blake Young
Best Dressed Female
Edwina Wong
Runners up:
Penny Johnson, Sahana Shetty
Runners up:
Jordan Lipson, Jamie Luk
Runners up:
Megan Quinn, Nicole Murray
Runners up:
Lexie Leung, Sarah-Jane Riley
Runners up:
Nick Spyropoulos, Ken Jiang
Runners up:
Alex Cottrell, Penny Johnson

72
Epilogue
Gail Kelly
Thank you for a great 2014.
It’s been a wonderful year for the Westpac Group and the results we achieved would not have been possible
without the hard work, passion and dedication of every single team member. Your contribution is highly
valued and we look to you to bring all of your energy and ideas to really make a difference for our customers.
I’d like to leave you with a couple of thoughts that have really helped me through my career which I hope
will be of assistance to you as you progress through your own career.
First and foremost, be positive – always look at things with an attitude of ‘glass half full’; even when things
go wrong which they invariably will – look for what you can learn and how to do things better next time.
Secondly, always combine your optimism with courage and boldness. Never be afraid to have a go! Make
sure you back yourself and have the confidence to make a difference in everything you endeavour.
I wish you all of the very best for the year ahead and your career. I look forward to celebrating with you
when Westpac turns 200 in 2017!
With my warmest regards,
Gail
Chief Executive Officer, Westpac Group
73

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The 2014 Graduate Yearbook

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