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BSB 704-191

Corporate Information

Executive Management

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Michelle Bagnall

Chief Executive Officer

MBA (with Distinction), GAICD, FFin

Michelle is the Chief Executive Officer of Bank First and brings over 25 years of financial services experience in Australia and internationally.

Prior to joining Bank First in February 2021, Michelle was CEO of RACQ Bank and held senior positions at Suncorp, National Australia Bank, The Royal Bank of Scotland and Insurance Australia Group.

She is driven by a deep respect for people and passionate about the powerful combination of people leadership, partnership and organisational competencies. Michelle is a member of FINSIA, a graduate of AICD and has completed an MBA (with Distinction). She has previously held Executive Director positions on the Boards of a superannuation trustee at Suncorp, and the Board of RACQ Financial Planning Pty Ltd.

On a personal level, Michelle directs her energies toward issues related to women, education, equality, inclusion, and empowerment.

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Andrew Bartolo

Chief Operating Officer

B Bus, CPA

Andrew joined Bank First in August 2024. Andrew has more than 20 years of experience in the financial services industry, including senior leadership roles at Defence Bank, RAMS, ME Bank and NAB.

He has a strong record of leading and delivering strategic change initiatives that improve customer outcomes, operational efficiency and business performance.

Bank First Portraits

Jodie Ghiloni

Chief of Staff

BA, CSA

Jodie joined Bank First in July 2022 and has an extensive background in supporting Executive teams to deliver strategic objectives having worked at RACQ Bank and Deloitte (Australia and USA).

Jodie is a Member of the Chief of Staff Association.

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Christine Harman

General Counsel & Company Secretary

LLB (Hons), GAIDC, MBA, BA

Christine is the General Counsel & Company Secretary of Bank First,  and is an experienced corporate governance executive, bringing over 25 years of legal, governance, compliance and company secretarial experience across a range of sectors in Australia, including financial services, energy, and sports and events.

Christine joined us in May 2024, and prior to that held senior positions including at Treasury Wine Estates Limited, Cricket Australia, McMillan Shakespeare Limited, and ANZ Banking Group.  Christine is a graduate of the Australian Institute of Company Directors.

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Nicky Konstantinou

Chief Financial Officer

BCom, Chartered Accountant

Nicky joined Bank First in July 2022 and has more than 20 years experience in the financial services industry.

Nicky is responsible for the Bank’s finance, treasury, property and procurement functions and is the Chair of the Bank’s Asset and Liability/Committee (ALCO).

Nicky is a Chartered Accountant and has a Bachelor of Commerce.

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Louise Marshall

Chief People and Culture Officer

Bachelor of Business, MAICD

Louise joined Bank First in July 2023 and has extensive experience in people and culture leadership nationally and internationally.

She has led the people and culture function in a variety of industries including professional services, manufacturing, entertainment and e-commerce.

Louise is a member of the Australian Institute of Company Directors and the International Coaching Federation.

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Simone Van Veen

Chief Member Officer

Bachelor of Arts (Psychology) and MBA

Simone is the Chief Member Officer of Bank First and brings over 25 years of financial services experience.

Prior to joining Bank First in August 2021, Simone was Executive Everyday Banking at NAB. She has also held senior positions across product, digital, marketing, projects and agile delivery functions.

Simone has a deep care for people and is passionate about creating outstanding customer experiences, and highly engaged, high performing team environments that enhance the working lives of colleagues.

She is a member of FINSIA, a graduate of Chartered Banking Institute Professional Banking Fundamentals. Simone has previously held a Non-Executive Director position on the eftpos Board.

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Martin Vassallo

Chief Risk Officer

Bachelor of Business (Finance) and MBA

Martin is the Chief Risk Officer of Bank First and brings over 25 years of experience in risk management, financial services and technology in Australia and internationally.

He has held Chief Risk Officer and General Manager Risk and Compliance roles in APRA-regulated major bank and superannuation environments as well as global technology/payment corporations.

He has a strong record of building trust and delivering embedded, highly-effective risk management capability across varied industries with cultural and geographic diversity.