NAB Asian Ambassador Program: building the commercial bridge Australian banks weren't designed to provide.
Most Australian banks were not built to serve a business moving capital across borders, establishing an entity in a new market, or navigating the gap between Chinese and Australian commercial and regulatory environments. The product existed. The relationship intelligence often didn't.
At NAB, I led the Asian Ambassador Program for the Business Banking division — a national strategy role responsible for building NAB's commercial capability for Asian businesses operating in Australia and Australian businesses engaging with Asian markets. The program carried dotted accountability across 74 bankers and specialists, with a combined lending book across that network of approximately $3 billion.
The practical work was about fit, not product. What does this particular business actually need? Where are the gaps between what they need and what standard bank processes can deliver? How do you build an internal capability that can serve a business owner from Shanghai or Hong Kong as well as it serves one from Melbourne?
That diagnostic discipline — understanding the real problem before proposing anything — came from consulting. It stayed with me through banking and into everything since. The businesses that came through the program were not looking for a brochure. They were looking for someone who understood their situation well enough to tell them what would actually work.
Building Alipay's ANZ infrastructure from the inside.
When a major Chinese financial institution operates in Australia, the foundational questions are not about product or marketing. They are about AUSTRAC compliance, banking relationships, payment infrastructure, and whether the regulatory posture is right before the commercial build begins. Getting those wrong is expensive. Getting them right creates the platform for everything else.
As Country Manager ANZ for Ant International, I held full P&L ownership for that infrastructure — not advising on it from the outside, but building it from the inside.
That meant establishing AUSTRAC-compliant operating structures, building working partnerships with Australia's major payment acquirers, and developing the enterprise merchant network across retail, tourism, and services that would make Alipay genuinely useful in-market — not just technically accepted. I migrated all 24 acquirers across Australia and New Zealand onto the Alipay+ platform, providing the foundation for multi-wallet acceptance and commercial expansion.
When market conditions shifted — weaker Chinese tourist volumes, post-COVID behaviour changes, exchange-rate headwinds — I rebuilt the growth model. The focus moved from legacy tourist and luxury spend toward high-relevance everyday verticals: supermarkets, pharmacies, electronics, education, student and migrant services. Category growth in that rebuild period included food and beverage up nearly 30%, electronics up nearly 50%, and education and services both growing significantly year on year.
The Chinese enterprises I now advise face versions of the same foundational questions at a different scale. The regulatory structure, the banking relationship, the right commercial partners, and the right category to start in. I know those decisions because I made them with real capital and real accountability.
The ANZ Asia Pacific Desk: what cross-border trust actually requires.
At ANZ Bank's Asia Pacific Desk, I worked on cross-border corporate and commercial banking between Australia, China, and ASEAN — transactions and relationships that involved Australian businesses moving into Asian markets and Asian businesses establishing a commercial footprint in Australia.
The desk was not a product function. It was a relationship and advisory role inside a major institution, where the value was in knowing enough about both sides to help a client navigate something genuinely complex: different legal structures, different regulatory environments, different commercial norms, and the trust deficit that every significant cross-border transaction carries in its early stages.
What I learned at that desk — and have not unlearned since — is that the technical barriers to cross-border business are almost never the real problem. The real problem is almost always confidence: does this counterparty understand me? Do they know how things work here? Can I trust this relationship when something goes wrong?
That question is still what I spend most of my time on. I'm not inside an institution now, which means I have no competing commercial interest in the outcome. I can tell you what I actually think.