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BSB 704-191

Board of Directors

Our Board of Directors share Bank First's philosophy of providing customers with a fair deal and superior service and are elected by customers via ballot.

Bernie Lloyd - Chair

BA, DipEd, MEd, Dip Financial Services (AMI), FAICD

Bernie brings to the Board extensive educational experience in rural and metropolitan schools as a classroom teacher as well as executive manager. Her leadership expertise resides in long-term strategic planning, building capacity in teams and sustaining and expanding growth in organisations.

She has coached individuals and teams, and facilitated workshops for aspiring leaders with an emphasis on building positive environments which sustain and empower. She understands the interdependence between schools and their communities and how high levels of trust enable productivity. Her governance experience includes school councils and executive roles with VASSP (Victorian Association of State Secondary Principals). She led the Victorian chapter of Principals Australia for three years. Bernie joined the Board as Intern in 2010, was elected by the Members in 2011, and was appointed Chair of the Board in 2015.

Bernie is also a Director of Youthrive, a rural foundation which provides support and opportunities for young people in order to build agency and capability.

Graeme Willis


Graeme has completed a Management Development program at the Harvard Business School. He is also a:

  • Senior Fellow of the Financial Services Institute of Australasia, 

  • Fellow of the Australian Institute of Company Directors, Australian Institute of Bankers 

  • Chartered Institute of Bankers (Scotland) and a

  • Fellow of the Governance Institute of Australia

He has had a career of over 40 years in banking and finance and held many senior Board and executive management positions with major European and Australian banks. He is an independent Non-Executive director of the RACV, Chairman of Australian Settlement Ltd. Graeme joined the Board in May 2013 and commenced as Chair of the Risk Committee in January 2015.

Stephen Cornelissen

BN, MHA, Grad Cert Leadership and Catholic Culture, PG Dip Strategy & Innovation (Oxford), FAICD

Stephen is an experienced health care executive who has worked in a range of roles in hospitals, aged care, community organisations and central bureaucracy in both metropolitan and rural settings in Australia and New Zealand. Stephen is currently CEO of Australian Red Cross Lifeblood. Stephen is passionate about embedding an organisation’s mission and values into its fabric and advancing a shared culture of passion, learning, accountability, and continual improvement.

As a Fellow of the Australian Institute of Company Directors, Stephen has held a number of Non-Executive Company Director roles and is currently a Director of HESTA Superannuation Fund.

Judy Crowe

BA, Dip Ed, Dip SS, Dip Admin, Dip Psych, FACEL, GAICD

Judy Crowe has had a long term commitment to education, fulfilling many roles, including twenty years as a principal in three Victorian secondary schools. She spent twelve years as Principal of Melbourne Girls’ College, and completed a three year term as the President of the Victorian Association of State School Principals in early 2018. She also served on the Council of Deakin University and the National Executive of the Alliance of Girls’ Schools.

Judy co-founded and currently chairs Ourschool Ltd, an organisation to develop alumni networks in Victorian state schools.Judy joined the Bank First Board in August 2018, graduating from the Australian Institute of Company Directors in preparation for this role.

Jo Dawson


Jo is a non-executive director and corporate executive with over 30 years experience in the financial services sector. She is a Chartered Accountant and Fellow of the Australian Institute of Company Directors. During her career she has held senior positions with Deloitte in both Australia and the US, and National Australia Bank within the areas of insurance and funds management.

Jo is also a non-executive Director and Chair of the Audit Committee of Templeton Global Growth Fund Limited, Independent Trustee Director and Chair of the Investment Committee of Vision Super, and Member of the Finance and Audit Committee of Villa Maria Catholic Homes. Jo joined the Board in August 2014. 

Mark Devadason


Mark has had a geographically diverse 30 year commercial banking career with broad based leadership roles in Wholesale and Consumer Banking, Human Resources, Corporate Affairs, Sustainability and Country CEO roles in Japan and Thailand. Mark is chair of a global children’s charity and a director of an international anti-modern slavery NGO.

Mark is also an Executive Mentor for Stephenson Mansell Group. He graduated from the University of Bristol, UK with a Bachelors degree in Philosophy and Economics and has completed various leadership courses in Oxford, Instead and the London School of Economics. Mark lives in Sydney. Mark joined the Bank First Board and Risk Committee in March 2020.