CUA Executive Management


Rob Goudswaard
B.Ec, GradDip CorpFin, FFIN, FAICD
Chief Executive Officer

Rob joined CUA in February 2015 and has over 37 years’ experience in the banking and financial sector. Prior to joining CUA, he was CEO and Director of the Rural Finance Corporation of Victoria, and Chairman of the Young Farmer’s Finance Council. He held a variety of senior positions at ANZ including Chief Risk Officer for Institutional Global; Managing Director of Regional, Rural & Small Business Banking; General Manager for Pacific & Personal Banking Asia; and Chief Operating Officer for Small to Medium Business Australia & New Zealand.

Rob attends all CUA Board and Committee meetings. He is an Executive Director of Credicorp Insurance Pty Ltd, CUA Health Ltd and CUA Management Pty Ltd and Chairman of Credicorp Finance Pty Ltd. Outside of his CUA roles, Rob is a Director of Cuscal Ltd and the Business Council of Cooperatives and Mutuals (BCCM). He is a former Director of World Vision Australia (2008-2017).

CUA’s member-owned structure was clear stand in attracting Rob to CUA. Because there is no conflict of interest between shareholders and members, CUA is focused only on members and providing a holistic personalised service, rather than just selling products.

In his free time, Rob’s biggest hobby is heading to his farm just outside Melbourne where he likes to connect to a different way of life, including running a eucalyptus plantation, cattle, sheep and bees. When he isn’t at the farm, Rob enjoys jumping in a 4WD to explore the remote corners of Australia.


Steve Chugg
Chief of Operations – Transformation & Subsidiaries
Chief Executive Officer, CUA Health Ltd
Chief Executive Officer, Credicorp Insurance Pty Ltd

Steve joined CUA in April 2015. He leads the division responsible for strategy, transformation, managing CUA’s current strategic partnerships and exploring new opportunities to collaborate or partner on future innovations. This includes responsibility for CUA subsidiaries CUA Health and Credicorp, key partnerships including with payments provider Cuscal, and oversight of CUA payment platforms such as the NPP.

Steve has more than 20 years’ experience in banking operations in Australia. He has extensive experience in building teams and working with them to deliver positive customer outcomes and strong returns. He has held a variety of executive and management roles with ANZ across multiple customer segments including General Manager for Esanda & ANZ Direct Sales, and Queensland State Manager for Regional Business Banking.

Steve’s previous roles have involved understanding and meeting the needs of a diverse range of customers such as third party dealers, agricultural and commercial clients, corporate and retail customers.

He is a Chairman of CUA Management Pty Ltd and a Director of Credicorp Insurance Pty Ltd, Credicorp Finance Pty Ltd, CUA Health Ltd, Mutual Marketplace Pty Ltd and Mutual Marketplace Property Pty Ltd. Steve is also a director of the Customer Owned Banking Association (COBA).

Steve was attracted by CUA being a member-owned organisation with the aspiration and strategy to adapt to our fast-paced world. He views CUA as a financial service provider that crosses the generational divide – one that both his parents and children would be proud to be part of.

Outside of CUA, Steve is kept busy by his three sons and volunteers regularly as a basketball coach at the local PCYC. Steve also enjoys international travel with his wife and boys to gain new perspectives and enjoy some family fun. Steve keeps fits by cycling with a like-minded group of cycling enthusiasts from across CUA.


Tracey Lake
B.Bus (HRM), Grad Cert (Employee Relations), MAHRI
Chief People Officer

Tracey joined CUA in March 2017 and is responsible for leading the CUA People and Culture strategy to build future capability and drive a high-performing, networked organisation. Her team looks after the delivery of People and Culture services and initiatives including enterprise change, organisational development and capability, performance management, culture and engagement, diversity, talent acquisition, remuneration and benefits, workplace relations, workplace health, safety and well-being.

Tracey has 12 years’ experience as a human resources executive, with a breadth of human resources and leadership experience including roles at Allianz Global Assistance, Insurance Australia Group, CGU Insurance and The Consultancy Bureau. Tracey’s experience covers both strategic and operational aspects of human resources including recruitment, talent management, change management, learning and development, employee engagement, OH&S, restructures and integrations.

In her most recent role prior to joining CUA, Tracey was Executive General Manager for People, Culture & Community and Strategic Projects at Allianz Global Assistance, playing an integral role in contributing to the strategic plan and operational performance of the business.

Tracey is a member of Australian Human Resource Institute and in 2018 she became a graduate member of the Australian Institute of Company of Directors.

CUA’s strong values and desire to give back to members attracted Tracey to CUA. She believes CUA offers a rewarding and energising work environment as a result of a continued focus on innovation to engage and serve members.

Outside of CUA, Tracey is mum to two children and has two Border Collies. In her spare time, she enjoys playing sport as well as running, cycling, triathlons and 12 Round Functional Fitness. Tracey showed her dedication to the community in late 2017 when she completed a 3-day charity cycling event to western Queensland with Girls Got Heart. As well as raising much needed funds, the event raised awareness for critical health screening checks for residents living in remote parts of Australia.


Brigid Leishman
Chief Operating Officer

Brigid joined CUA in August 2015 and leads the team responsible for operational functions across CUA. She also has enterprise accountability for business re-engineering and automation of processes to support delivery of great experiences for members.

Prior to joining CUA, Brigid has lived and worked in four countries and she has significant experience in transformational change and business re-engineering. She also has a strong background in distribution strategy, credit and operational risk management, and program management. Brigid has over 30 years’ experience in financial services, including 20 years in operations strategy and execution.

Over her career, Brigid’s roles have included Head of Distribution Strategy for Bank of New Zealand; Chief Manager, Operations for ANZ New Zealand; Managing Director of Quest, Fiji (an award-winning subsidiary of ANZ); and Portfolio Change Director, Retail Distribution for ANZ in Australia.

Brigid chose to join CUA for the community centric approach of the member-owned banking model, saying it drives focus and clarity around what is truly important.

Outside of CUA, Brigid has a large family of children and animals. On weekends, you can typically find her rambling around the parks and waterways of Brisbane with her husband.


Paul Lewis
Chief Sales Officer

Paul joined CUA in February 2018 and is responsible for leading CUA’s sales channels (branches, CUA Direct call centres in Sydney and Melbourne, and the broker channel). In addition to sales and service, Paul is responsible for ensuring strategic projects are effectively rolled out and embedded across the retail network to deliver positive outcomes for members and CUA’s frontline teams.

With over 15 years’ experience in leadership positions, he has held numerous retail banking executive roles in Australia, New Zealand and Malaysia.

Prior to joining CUA, Paul was the Senior Head of Strategy and Transformation at Westpac, where his role included leading the planning and delivery of Westpac’s distribution strategy, including the footprint and branch concepts for the retail network. Paul has also held a variety of senior executive roles within ANZ including three years as the General Manager of Retail Banking for Queensland, where he led ANZ’s Queensland network of more than 110 branches. He subsequently took on responsibility for more than 800 branches and 7,000 employees as General Manager of the ANZ Australian Retail Branch Network, before being seconded to Malaysia for two years as the Managing Director, Retail Banking for AmBank.

Paul’s professional qualifications include being a graduate of the Senior Executive Management Program at the London Business School.

Paul was attracted to CUA by its proud history of community ownership and innovation. He values the fact that CUA is owned by its members and that means decisions are made to benefit the members.

Outside of CUA, Paul spends his weekends training or competing in 50-100km ultra-marathon races with his wife. When they aren’t covering large distances by foot, Paul and his wife love to travel with their three teenage daughters.


Megan Readdy
LLB, B.Ec.
Chief Risk Officer

Megan joined CUA in February 2017 and leads the development, implementation, challenge and assurance of CUA’s risk management strategy. The Risk team’s focus is to proactively drive a culture of best practice risk management.

Megan is an experienced risk and finance professional with more than 20 years’ experience. Megan began her career in lending and prior to joining CUA, she worked across a number of diverse roles within financial services, including with Macquarie Group and Suncorp Bank.

She has held executive positions responsible for credit risk and credit policy, the management of capital, performance management and forecasting, business performance and enterprise-wide risk management initiatives associated with the Basel regulatory framework and prudential banking standards.

Megan is currently the Treasurer of the Risk Management Association of Australia - a post she has held since 2014.

Megan is an enthusiastic advocate for CUA’s role in the community.

Outside of CUA, Megan spends her time with her family and two dogs. Typically, you can find Megan volunteering at her daughter’s local netball association on umpiring and committee duties. With two sporty children, Megan and her husband spend much of their weekends running an unpaid shuttle service!


Steven Willson
BSc (Hons) – Computer Science
Chief Technology Officer

Steven joined CUA in August 2018 and is responsible for the development and implementation of CUA’s technology strategy.

Steven is an experienced technology executive with 15 years’ experience in technology leadership positions in the United Kingdom and Australia. Prior to joining CUA, Steven was the Chief Technology Officer at Wolters Kluwer Australia where the role included the planning, delivery and operation of cloud tax and accounting solutions for global corporations and businesses across Asia Pacific.

Steven has deep experience in financial services technology including digital transformation, IT strategy and complex systems implementation. Steven has also held a variety of senior executive roles within AMP including IT Director for AMP Capital, IT Director Strategy and Architecture, IT Director Customer Transformation and Chief Technology Officer.

Steven’s professional qualifications include completion of the Centre Information Systems Research (CISR) summer program at Massachusetts Institute of Technology (MIT).

Steven was attracted to CUA by the team’s passionate commitment to helping members and a strong track record in digital innovation that truly benefits members.

Outside of work, Steven enjoys spending family time with his three kids and occasionally venturing out for a cycle ride or swim.