The AusPayNet Summit
The
Speakers
Effie Zahos
MC
9News Money Editor & Finance Commentator
John Brogden AM
Chair
AusPayNet
Sean Carmody
Executive Director, Policy and Advice Division
Australian Prudential Regulation Authority (APRA)
Riaz Hussain
Head of Payments Technology
AusPayNet
Dr Brad Jones
Assistant Governor (Financial System)
Reserve Bank of Australia (RBA)
James Kelly
Deputy Secretary, Markets Group
Treasury
Daniel Mulino
Assistant Treasurer & Minister for Financial Services
Kate O'Rourke
Commissioner
ASIC
Andy White
Chief Executive Officer
AusPayNet
Effie Zahos
MC, 9News Money Editor & Finance Commentator
One of Australia’s leading personal finance commentators, Effie Zahos has nearly three decades of experience in consumer finance topics including banking, investing and property. She has a knack for making money matters simple.
Starting out as a graduate trainee for one of Australia’s major banks she moved to TV in 1997, kick-starting her career in finance journalism as head researcher of Channel Nine’s Money Show. Effie is now back at Nine as 9News Money Editor.
Effie was editor of Money magazine until 2019, having helped establish it in 1999.
She is also the author of The Great $20 Adventure and A Real Girl’s Guide to Money and Ditch the Debt and Get Rich.
Effie sits on the board of directors for Ecstra, a not-for-profit organisation committed to building the financial capability of all Australians and digital wealth platform, InvestSMART.
John Brogden AM
Chair
AusPaynet
John Brogden is an experienced Chairman, Non-Executive Director, Executive and former Member of Parliament with more than 30 years’ experience in the public sector, financial services, professional associations, and not-for-profit organisations.
From 1996 to 2005, John was the Member for Pittwater in the NSW Parliament and was Leader of the Opposition for over three years – the youngest person ever to lead a major political party at a state or federal level. After Parliament, his executive roles have included CEO of Manchester Unity, the Financial Services Council, the Australian Institute of Company Directors, and Landcom. He has chaired Abacus Australian Mutuals (now COBA) and Landcom (prior to being appointed CEO).
John is a leading Australian and international suicide prevention advocate and campaigner for suicide decriminalisation. He has been President of LifeLine International and Chair of Lifeline Australia.
He is currently the Chair of AusPayNet, a Director of CFS’ superannuation fund AIL, and the Chair of Advisory Board of the Urban Property Group.
He holds a Master of Public Affairs (MPA) from the University of Sydney, is a Fellow of the Australian Institute of Company Directors (FAICD) and is a Member of the Order of Australia (AM).
Riaz Hussain
Head of Payments Technology
AusPayNet
Riaz Hussain is Head of Security Standards & Transformation at Australian Payments Network (AusPayNet). He is responsible for security standards, frameworks, and policies for payments, including sponsorship of industry-wide programmes.
Riaz has more than 30 years’ experience in technology leadership across financial services in the Asia Pacific, Europe, and United States. He holds an Masters Degree of Science from Sheffield Hallam University, UK.
Brad Jones
Assistant Governor (Financial System)
Reserve Bank of Australia (RBA)
Dr Brad Jones was appointed to the position of Assistant Governor (Financial System) at the RBA in 2022 and serves as Deputy Chair of the Payments System Board.
Dr Jones has oversight of the Bank's payments policy work, including on the future of money. He is also responsible for the Bank's work on financial stability and production of the twice-yearly Financial Stability Review. He represents the Bank as a member on the Council of Financial Regulators, and in international fora at the Financial Stability Board and the Basel Committee for Banking Supervision. He is a member of the Advisory Board of the Institute of Global Finance and a signatory to The Banking and Finance Oath.
Dr Jones joined the RBA in 2018 as the Head of International Department, before taking over as the Head of Economic Analysis Department.
Before joining the RBA, Dr Jones was at the International Monetary Fund in Washington DC for five years, where he served as senior advisor on the international financial system in the Monetary and Capital Markets Department. Prior to that, he held senior macroeconomic research and investment responsibilities for just under a decade at Deutsche Bank in London and Hong Kong.
Dr Jones holds a PhD in finance from Macquarie University, is a graduate member of the Australian Institute of Company Directors, and served for five years as a Fellow at the University of Cambridge Judge Business School.
James Kelly
Deputy Secretary, Markets Group
Treasury
Mr James Kelly commenced as Deputy Secretary, Markets Group in March 2025.
In this role, James advises the Australian Government on issues relating to Australia’s financial system, competition policy (including consumer protections), corporations law and digital policy related matters.
Before this role, James was First Assistant Secretary, Digital, Competition and Payments Division. His responsibilities included matters related to the payments system, digital assets, the Consumer Data Right, digital regulatory policy, competition policy and oversight of the Australian Competition and Consumer Commission.
James’ previous positions in Treasury included heading the Financial System Division and Macroeconomic Policy Division. He was Treasury’s representative in Europe, based at the Australian High Commission in London. He also co-led Treasury’s engagement with the Financial Services Royal Commission and implementation of the government response.
James was the Head of Secretariat for the initial phase of the National Disability Insurance Review from 2022–23. James holds degrees in economics and law from the Australian National University and the University of New South Wales.
Andy White
Chief Executive Officer
AusPayNet
Andy White is the CEO of AusPayNet, the industry association and self-regulatory body for the Australian payments industry.
Mr White has over 25 years’ international experience. He joined AusPayNet in 2015 from the Australian Securities Exchange, where he was General Manager for Settlement Services and, prior to that, General Manager for Clearing Risk Management. Previously, he held leadership roles at LCH.Clearnet in London, after starting his career at the Bank of England.
Mr White is a graduate of Oxford University and the Australian Institute of Company Directors. He holds a variety of advisory and board roles, including with the Payment Card Industry and Australia’s National Anti-Scam Centre.
Sean Carmody
Executive Director, Policy and Advice Division
Australian Prudential Regulation Authority (APRA)
Dr Sean Carmody is the Executive Director for the Policy and Advice Division of the Australian Prudential Regulation Authority (APRA). In the role he leads the development of APRA’s prudential policy across banking, insurance and superannuation (pension funds). He also has responsibility for APRA’s resolution and enforcement functions.
Sean has over 20 years experience across banking, financial markets and funds management. Prior to joining APRA in 2017 he had extensive experience in risk management, including credit and market risk, working across banking and funds management. His qualifications include a PhD in Pure Mathematics from St John's College, Cambridge.
Sean is also APRA’s executive lead for climate risk and, in this capacity, he represents APRA in a number of international regulatory forums including the Network for Greening the Financial System (NGFS) and the International Association of Insurance Supervisor’s Climate Risk Steering Group. Sean is also the Co-Chair of the NGFS’s Task Force on Adaptation.
Kate O'Rourke
Commissioner
ASIC
Kate is one of the five ASIC Commissioners and started her term in September 2023. She has more than 25 years’ experience in law and regulation across financial services, markets, and corporations.
Kate joined ASIC from Treasury, where she held senior leadership positions with responsibility for data and digital economic reforms, COVID economic policy responses, small business policy and regulatory frameworks governing market conduct.
Kate previously held senior executive roles at ASIC with responsibility for corporate transactions and governance, and practised in the Sydney and New York offices of the law firm Sullivan and Cromwell.
Daniel Mulino
Assistant Treasurer & Minister for Financial Services
Daniel Mulino is the Assistant Treasurer and Minister for Financial Services.
He has been the Member for Fraser since 2019. Born in Italy, Daniel is passionate about Fraser’s harmonious multicultural community and is honoured to represent this wonderful part of Melbourne’s west in the Australian Parliament.
Between 2022 and 2025, Daniel chaired the House of Representatives Standing Committee on Economics.
Daniel is an economist by training, with a PhD from Yale University and he has lectured at Monash University.
Before entering the Australian Parliament, Daniel served the Victorian community as a member of the Victorian Parliament. He was Parliamentary Secretary to the Victorian Treasurer between 2014 and the 2018.
Daniel is the author of Safety Net: The Future of Welfare in Australia, published in 2022.