This document contains a summary of Phill Kroon's career experience and qualifications. It outlines over 30 years of experience in branch banking operations with Westpac Banking Corporation, including roles as an Assistant Bank Manager, Branch Manager, and Accountant at various Sydney locations. Key responsibilities involved people management, customer service, sales, compliance duties, and adapting to change. Highlights include awards for guiding branches to top rankings and representing Westpac at Olympic events.