1. 1
Overview
Rhyll Gardner is a management consultant with expertise across strategy and operations in financial services. Rhyll has 25
years of broad experience across banking and wealth management including retail banking, business banking, risk
management, strategy (including M&A), project management, sales and people management. Most recently Rhyll has
developed enhanced strategy formulation and execution skills with strategic leadership roles (including project
management), and having executed strategy in a wide variety of operational roles, she is familiar with the “villians on the
execution road” and how strategic intent can get lost in execution.
Rhyll has engaged closely with senior executives and boards through a distinguished executive career and has served on
several boards as a non-executive director. She is also an engaging and popular speaker on a variety of topics.
Project Roles
Bank of Queensland Limited, Retail Distribution Strategy. Led the development of a retail distribution strategy for the
bank. Segment evaluation and selection, informed by channel profitability analytics, was used to devise the best fit for the
bank across branch, franchise, digital/online and broker distribution channels.
St.George Bank Limited, Best Bank Project. A high performer seconded to a Working Team to re-engineer the bank.
>$100m in revenue opportunities were identified across retail banking, business banking and wealth management
St.George Bank Limited, Evaluation and Implementation of Value-at-Risk (VaR) System. The responsible manager
for the implementation of St.George’s first Value at Risk system and adjacent processes and procedures. The system was
subsequently accredited by APRA and minimised the capital allocation to traded market risk for the bank.
St.George Bank Limited, Implementation of ALM System. Implemented St.George’s first ALM measurement system
along with setting up the AL CO and Board Risk Management Committee.
Rhyll Gardner
BCom BEc MAppFin MA MBA(INSEAD) FFin FAIM GAICD
Credentials

2. 2
Strategy Operations Roles
Bank of Queensland, Group Head of Strategy and M&A.
Established and led the strategic capability for BOQ including building a team, creating templates, process and disciplines
in the strategic space.
Developed a new framework to review strategy for the Executive Committee and the Board to increase engagement in the
strategic process through the whole year.
Established and ran a Digital/SMAC (Social, Mobile, Analytics and Cloud) Pilot to prove out application to the business,
educate and map the journey for the BOQ Group.
Led teams to investigate and evaluate merger and acquisition opportunities – capturing maximum value through an
understanding of debt and the identification of strategic opportunities to enhance corporate performance and led the
$400 Mill acquisition of Investec businesses in 2014 including valuation, due diligence, preparation of documentation and
board approval in conjunction with the equity raising
Westpac Banking Corporation, General Manager, Strategy (St.George)
Established the strategic capability for the bank to enable the division to function and compete for investment in the WBC
Group environment through targeted recruitment and the introduction of strategic disciplines in research, thought
leadership and presentation.
Built the project governance disciplines and practice for St.George in line with Group requirements by identifying gaps
between the business practices and best practice, managed the Project Management Office (PMO), and monitored
adherence to the governance standards.
Led the annual strategic planning and development process, review, communication and development to set the 3 year
strategy for the division.
St.George Bank, General Manager, Northern NSW, Retail Business
Developed a turn-around strategy for an underperforming business to achieve a 17% productivity upflift over 12 months.
St.George Bank, General Manager, Queensland
Developed and executed a growth strategy in an underrepresented geography achieving >10% growth for 4 consecutive
years.

3. 3
YWCA (QLD)
Director, 2015 - present
Expressions Dance Company
Director, Chair of Audit & Risk
Committee, 2013 – present
Australian Chamber Orchestra
Member—Sydney Development
Committee
2011 – 2013
St Margaret’s Anglican Girls School
Director, 2007 – 2009
Chair of Finance & Audit Committee
2008 – 2009
Queensland Symphony Orchestra
Director, 2006 – 2009
Chair of Development & Marketing
Committee, 2006 – 2008
Chair of Board Artistic Committee
2009
Member of Audit & Finance Committee
2008 – 2009
Global Executive MBA
INSEAD
Master of Arts
Macquarie University
Master of Applied Finance
Macquarie University
Bachelor of Economics
University of Queensland
Bachelor of Commerce
University of Queensland
AICD Chair’s Mentoring Program
2015
Hugh D T Williamson Award for
Excellence in Financial Services
2008
Telstra Business Woman of the Year
Finalist
2006
Finsia
Fellow since 2004
Australian Institute of
Company Directors
Graduate Member since 2006
Australian Institute of Management
Fellow since 2007
Board Roles Education
Memberships and
Awards

4. 4
General Manager - Group Strategy and M&A
Bank of Queensland, 2013 – 2015
Established and led the strategic capability for BOQ including building a team, creating templates, processes and
disciplines. Developed a new framework to review strategy for the Board and Executive to increase engagement in the
strategic planning process through the year. Led the $440M acquisition of Investec in 2014 including valuation ,due
diligence, documentation and board approval in conjunction with the equity raising.
General Manager - Group Strategy
St.George Bank (A Division of Westpac Banking Corporation), 2009 – 2011
Built and led the strategic capability for St.George through targeted recruitment and introduction of strategic disciplines in
research, thought leadership and presentation.
General Manager - Queensland
St.George Bank Limited, 2005 – 2009
Grew balance sheet footings >10% each year, doubled presence and increased brand awareness across all segments and
distribution channels.
General Manager - Northern NSW
St.George Bank Limited, 2004 – 2005
Increased productivity by 17% across 100 branches and >1000 staff.
General Manager - Corporate & Business Bank
St.George Bank Limited, 2000 – 2004
Built an award winning business banking brand.
Working Team Member - Best Bank Project
St.George Bank Limited, 2000
Identified and implemented a $145m boost to St.George profit through revenue and cost savings across retail banking
business banking and wealth management.
Executive Manager - Risk Management & Compliance
St.George Bank Limited, 1997 – 1999
Identified and implemented St.George’s first VaR system for APRA review to achieve the minimum capital requirements for
trading room market risk
Marketing Support Manager/Chief of Staff
State Bank of New South Wales/Colonial State Bank, 1996 – 1997
Acted as Chief of Staff to the Group Executive, Brand and Marketing who had no experience in banking
Manager - Interest Rate Risk
St.George Bank Limited, 1992 – 1996
Built the balance sheet management infrastucture for St.George through information gathering, system development,
reporting to the newly established Board Risk Management Committee.
Treasury Manager
Suncorp Building Society, 1990 – 1992
Managed liquidity, balance sheet and interest rate risk
Past Executive Roles