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Customer Advocates

When a customer has a complaint, we want to make it easier to get it resolved.

Customer advocates help banks handle complaints better, improve customer experience, and minimise the likelihood of future problems.

Customer advocates can help their bank better understand where a customer is coming from. They have the power to escalate issues to the CEO if they think the bank isn’t resolving issues properly.

The appointment of customer advocates is an important opportunity to give customers a greater voice when things go wrong and reach fairer outcomes.


Customer Advocate Guiding Principles

These guiding principles are designed to assist banks when designing, appointing and reviewing the role of Customer Advocate.


THIS PAGE IS CURRENTLY UNDER REVIEW AND WILL BE UPDATED. The information and links below are current.


Bank Customer Advocates

  • AMP Group: Melanie Howard-McDonald who reports to Paul Sainsbury, AMP Group Executive Wealth Solutions and Chief Customer Officer.
  • ANZ: Jo McKinstray who reports to Mark Hand, Group Executive Australia Retail and Commercial Banking.
  • Arab Bank Australia: James Gow who reports to Joseph Rizk, Managing Director and Chief Executive Officer.
  • Bank Australia: Chris Newey who reports to Patrick Ashkettle, Chief Risk Officer.
  • Bank of China: Phillip Kong, Customer Advocate of the Bank of China, Australia.
  • Bank of Queensland: Tanya Aaskov who reports to the General Manager Corporate Public Affairs & Customer Advocacy.
  • Bendigo and Adelaide Bank / Rural Bank: Leonie Higgs who reports to the Chief Customer Officer, Marnie Baker.
  • Citi: Louise Beach who reports to the Director Digital, Delivery and Client Experience.
  • Commonwealth Bank: Angela MacMillan, CBA Group Customer Advocate.
  • HSBC: Ayela Thilo, reporting to Kaber Mclean, Chief Executive Officer, HSBC Bank Australia Limited.
  • ING: Claudia Lane, who reports to Head of Retail Banking, Glenn Gibson.
  • Macquarie Bank: Rosalind Persaud, who reports to Shemara Wikramanayake, Managing Director and Chief Executive Officer.
  • ME Bank: Scott Dare who reports to Ingrid Purcell, Chief Experience Officer.
  • MyState Bank: Melanie Rottier who reports to Mandakini Khanna, Chief Risk Officer.
  • NAB: Catherine Wolthuizen who reports to the Group Executive, Governance and Reputation and NAB’s Executive Leadership.
  • Rabobank: Monica Assaf who reports to Peter Knoblanche, Managing Director Rabobank Aust. & NZ Group / CEO Rabobank Australia.
  • Suncorp: Michelle Bain, who reports to Chief Risk Officer Fiona Thompson.
  • Westpac: Adrian Ahern who reports to Christine Parker, Group Executive, Corporate Affairs and Human Resources.

Guiding Principles

Banks use a set of guiding principles to appoint their customer advocates, ensuring the purpose, responsibilities and independence of the role are clear. Download a copy of the Guiding Principles.


The ABA does not handle individual customer complaints or disputes.