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Freya Smith
Chief Legal and People Officer
Freya is Chief Legal and People Officer of the Cuscal Group, which includes Indue and she is responsible for leading the Group’s legal and secretariat and people and culture functions.
Freya joined Cuscal in October 2022. She has significant experience leading teams in complex and global organisations across various industries including payments, Fintech, financial services, insurtech, and emerging technologies.
Before joining Cuscal, Freya was the Group General Counsel and Company Secretary for Claim Central Consolidated, a global insurtech business. Prior to that she was the Chief Legal Officer and Company Secretary for ASX listed global payments company, OFX Group Limited.
Freya holds a Master of Laws (High Distinction); Bachelor Commerce and Bachelor of Laws (Hons); and a Graduate Diploma in Applied Corporate Governance from the Australian Governance Institute. She is also member of the Australian Institute of Company Directors; a Fellow of the Governance Institute of Australia; and a member of the Association of Corporate Counsel. Freya is also a Non-Executive Director of ASX listed technology company DataWorks Group Limited.
Evan Craig
Chief Information Officer
Evan is Chief Information Officer of the Cuscal Group, which includes Indue and he leads the Group’s technology and practice delivery functions. Evan joined Cuscal in July 2017 and was appointed Chief Financial Officer in March 2022. Prior to becoming Chief Information Officer he held a number of senior roles in enterprise technology services including Interim Chief Information Officer, Head of Strategy and Governance and Head of Service Delivery.
Evan has more than 20 years’ experience in IT services delivery including multiple financial institutions, service provider organisations in mission critical roles.
Prior to joining Cuscal, Evan was the National Technology Services Manager at Fuji Film and held multiple senior leadership roles at Suncorp and Promina.
Bronwyn Yam
Chief Product Officer
Bronwyn is Chief Product Officer of the Cuscal Group, which includes Indue and she is responsible for driving the Group’s product strategy.
Bronwyn joined Cuscal in May 2023. She has over 25 years’ experience in financial services and consulting industries. Bronwyn’s previous role was the Chief Product Officer of Tyro Payments Limited for approximately six years. Prior to that she held several senior roles across various divisions within the Commonwealth Bank of Australia.
Before moving to Australia in 2004, Bronwyn had a consulting career with Arthur Andersen Business Consulting in the United States and across Asia working with clients from multiple industries from manufacturing to financial services.
Bronwyn holds a Master of Business Administration from the Hong Kong University of Science and Technology and a Bachelor of Arts in Business Economics from the University of California, Los Angeles.
Angela Powell
Chief Risk Officer
Angela is Chief Risk Officer of the Cuscal Group, which includes Indue and she is responsible for leading the Group’s risk management strategy, compliance, and risk management frameworks, as well as enhancing risk management culture and capability across the business.
Angela joined Cuscal in February 2024. She has over 20 years’ experience in banking and financial services both domestically and internationally and has expertise spanning risk management, governance, regulation, operational excellence, and strategic transformation.
Prior to joining Cuscal, Angela was a Senior Principal Consultant with Promontory, where she partnered with boards, senior management and risk and compliance professionals to strengthen the effectiveness of risk management practices in the areas of non-financial risk management, operational resilience, governance, culture, and accountability. Prior to Promontory, Angela held senior roles within the Policy and Advice division’s leadership team at APRA and ING Australia and Lloyds International.
Angela holds a Bachelor of Arts and a Post Graduate Diploma in Applied Finance from Kaplan and is a member of the Australian Institute of Company Directors and Risk Management Institute of Australasia.
Jennifer Brice
Chief Financial Officer
Jennifer is Chief Financial Officer of the Cuscal Group, which includes Indue and she oversees the Group’s financial strategy, performance and governance operations. This includes financial planning, reporting and operations, capital and treasury management, and investor relations.
Jennifer joined Cuscal in October 2025. She is a highly experienced finance professional with over 35 years’ experience in finance and business in complex businesses in Australia and overseas where she led large, multi-disciplinary teams focussed on capital and financial management, investor relations, treasury, M&A, governance, and reporting.
Prior to joining Cuscal, Jennifer was the Chief Financial Officer at Australian Payments Plus. She also held several senior finance and business roles at Origin Energy, Commonwealth Bank of Australia, and Woolworths Limited.
Jennifer holds a Bachelor of Commerce; a Post Graduate Diploma in Financial Management; and a Master of Applied Finance and is a member of Chartered Accountants in Australia and New Zealand.
Michael Blomfield
Chief Client Officer
Michael is Chief Client Officer of the Cuscal Group, which includes Indue and he oversees the Group’s client and growth functions.
Michael joined Cuscal in June 2024. He has over 30 years’ experience in banking and financial services both domestically and internationally across Australia, Asia, North America, UK, Europe, and South Africa and brings expertise spanning strategy and execution, operations, growth, sales, and client management.
Prior to joining Cuscal, Michael was the Chief Customer Officer and Senior Program Director for Seven Consulting. While at Seven Consulting Michael worked closely with the NGM Group (the merger of Newcastle Permanent Building Society and Greater Bank) to refine and help execute their strategic roadmap.
Prior to Seven Consulting, Michael held various senior executive roles in banking and financial services including as Chief Commercial Officer of Iress Limited (ASX:IRE); CEO of Investment Trends; APAC Managing Director of MF Global; as well as a number of senior roles with the Commonwealth Bank of Australia including Head of Equities Division (which included CommSec), and Executive General Manager of Local Business Banking.
Michael holds a Bachelor of Arts (Communication Studies) from Western Sydney University and is a Non-Executive Director of QiLu Bank in Shandong Province, China.
Craig Kennedy
Managing Director
Craig is Managing Director of the Cuscal Group, which includes Indue.
Craig joined Cuscal in December 2008 and he is responsible for the corporate leadership, strategy and direction that has established the Group as a leading payments and regulated data services provider in Australia.
Craig has more than 36 years’ experience in the financial services sector, with particular expertise in digital banking and payments. Over the past 25 years Craig has been a director of listed and unlisted public companies and been a part of a team that built and operationalised two new retail banks in Australia. Prior to joining Cuscal, Craig was the Managing Director of Espreon Limited. He was also Head of Direct Banking at ING and has held a number of senior positions at Advance Bank Australia, State Bank of New South Wales, and Monster Worldwide.
Craig holds an MBA and is a fellow of the Financial Services Institute of Australia and a graduate of the Australian Institute of Company Directors. Craig is also a Director of Australian Payments Plus Limited.
Peter Wright
Independent Non-Executive Director
Peter was appointed to the Indue Board on 1 August 2018 and is a member of the Board Risk Committee.
Peter has over 30 years’ experience in the payments and technology sectors, he is currently Managing Director of PHW Consulting and most recently was the President – Asia Pacific of OmniPay Limited, an Irish domiciled global payments processing company. Previously Peter held the roles of Managing Director, Senior Vice President, and Executive Director with First Data Corporation’s Asia Pacific, and Australia and New Zealand businesses, before being appointed Managing Director of Australia and New Zealand and finally an Advisor to the President of First Data International in Europe.
He is an experienced Non-Executive Director and previously served as a director on the boards of MINT Payments, IPG Group (Hong Kong), First Data Asia Pacific and OmniPay (Ireland).
Peter holds a Post Graduate Diploma in Corporate Management, and an MBA and is a Member of the Australian Institute of Company Directors.
Other board roles currently held by Peter include:
Wayne Stevenson
Non-Executive Director
Wayne was appointed to the Indue Board on 1 December 2025 and is a member of the Board Audit Committee. Wayne brings extensive experience in financial services across a broad range of disciplines. This includes over 15 years in various CFO and strategy roles at ANZ involving the undertaking of significant acquisitions, restructures and divestments across Australia, New Zealand and Asia.
He is an experienced Non-Executive Director and has served on Boards spanning industries such as insurance, banking, SaaS technology, outdoor media and commercial radio.
Wayne holds a Bachelor of Commerce (Accounting), is a Chartered Accountant and is a Fellow of the Australian Institute of Company Directors.
Other board roles currently held by Wayne include:
Ling Hai
Non-Executive Director
Ling Hai was appointed to the Indue Board on 1 December 2025 and is a member of the Board Risk Committee.
Ling Hai brings extensive experience in digital transformation, payments tech and scaling global businesses. Ling Hai is currently President of Asia Pacific, Europe, Middle East, and Africa at Mastercard. He is responsible for advancing Mastercard’s business strategy, sales, business development, product management and engagements with customers and regulators in more than 200 markets. He is a member of both Mastercard’s Executive Leadership Team and its Management Committee.
Ling Hai’s prior roles at Mastercard include Co-President of Asia Pacific, Europe, Africa, and South America, Co-President of the Asia Pacific region, Division President of Greater China and Head of Enterprise Development. Previously, he held senior roles at Bank of America, MBNA and PCCC, a joint venture between HSBC and Bank of Communications.
Ling Hai holds an MBA from the University of Chicago, Booth School of Business. He also holds an honorary Doctor of Humane Letters degree, and a Bachelor of Science degree from The College of Saint Rose.
Other board roles currently held by Ling Hai include:
Claudine Ogilvie
Independent Non-Executive Director
Claudine was appointed to the Indue Board on 1 December 2025.
She is a member of the Board Audit Committee and the Board Risk Committee.
Claudine brings 20 years’ experience in strategy, technology, data, risk and innovation leadership in emerging technologies like AI, quantum computing and cyber security. She was awarded Top CIO50 in Australia in 2016. Claudine is currently an Independent Non-Executive Director for Scyne Advisory, the Co-founder and CEO of HivePix and the Managing Director of O&O Consulting.
Previously Claudine was a Non-Executive Director with Youi Insurance, led the Asia-Pacific Digital and Data businesses for Compass Group PLC, the Chief Information Officer (CIO) for the Jetstar Group of Airlines, and the Chief Information Officer for Ridley Corporation. She also held senior product management, sales operations and marketing roles for KPMG, International SOS, BP Australia and Unipath France.
Claudine holds a Bachelor of Business from the University of Technology Sydney and a Diploma of Business Management from the Ecole Supérieur de Commerce Reims, France. She is also a graduate of the Australian Institute of Company Directors, and an alumnus of the Australia-ASEAN Emerging Leaders Program Kuala Lumpur and the Asialink Leaders Program (Melbourne University). She also holds qualifications in AI and Quantum Computing from the Massachusetts Institute of Technology (MIT).
Other board roles currently held by Claudine include:
Trudy Vonhoff
Independent Non-Executive Director
Trudy Vonhoff was appointed to the Indue Board on 1 December 2025.
She is the Chairman of the Board Risk Committee and a member of the Board Audit Committee.
Trudy is an experienced Non-Executive Director and previously served as a director on the boards of Ruralco Holdings Ltd, AMP Bank Limited, Cabcharge Australia Limited and Tennis NSW. Trudy also held senior executive positions with Westpac Banking Corporation and AMP Bank Limited.
Trudy brings to the Board strong financial, risk management and governance skills, together with deep experience in financial services.
Trudy holds a Bachelor of Business, a Master of Business Administration and is a Fellow of the Australian Institute of Company Directors and a Senior Fellow of FINSIA.
Other board roles currently held by Trudy include:
Belinda Cooney
Independent Non-Executive Director
Belinda was appointed to the Indue Board on 1 December 2025.
She is Chairman of the Board Audit Committee and a member of the Board Risk Committee.
Belinda is an experienced company director and finance professional. She currently serves as the Chief Financial Officer of Interactive Pty Ltd, one of Australia’s largest privately held IT services companies.
Belinda has over 30 years experience in global financial markets, focused on the telecommunications, media and technology sector, primarily with Macquarie Capital in both principal investments and investment banking advisory. Her experience in working with clients ranges from Fortune 500 companies to early-stage technology ventures and includes working on complex global transactions as well as providing advice on strategy, business transformation, governance and risk management. She has previously been a Non-Executive Director of 86 400 Holdings Limited.
Belinda holds a Bachelor of Commerce, a Masters of Finance (INSEAD) and a Chartered Financial Analyst designation. She is also a Chartered Accountant, a graduate of the Australian Institute of Company Directors and a Senior Fellow of FINSIA.
Other board roles currently held by Belinda include:
Craig Kennedy
Managing Director
Craig was appointed to the Indue Board on 1 December 2025. Craig is Managing Director of the Cuscal Group, which includes Indue.
Craig joined Cuscal as its Managing Director in December 2008.
Craig is responsible for the corporate leadership, strategy and direction that has established the Cuscal Group as a leading payments and regulated data services provider in Australia.
Craig has more than 36 years’ experience in the financial services sector, with particular expertise in digital banking and payments. Over the past 25 years Craig has been a director of listed and unlisted public companies and has been a part of a team that built and operationalised two new retail banks in Australia. Prior to joining Cuscal, Craig was the Managing Director of Espreon Limited. He was also Head of Direct Banking at ING and has held a number of senior positions at Advance Bank Australia, State Bank of New South Wales and Monster Worldwide.
Craig holds an MBA and is a fellow of the Financial Services Institute of Australia and a graduate of the Australian Institute of Company Directors.
Other board roles currently held by Craig include:
Elizabeth Proust AO
Independent Chairman
Elizabeth was appointed Chairman of Indue on 1 December 2025.
Elizabeth is one of Australia’s leading business figures and has had a diverse career holding leadership roles in the public and private sectors for over 30 years. Elizabeth spent eight years at ANZ Group including four years as Managing Director of Esanda, Managing Director of Metrobanking and Group General Manager, Human Resources, Corporate Affairs and Management Services. Before joining ANZ, Elizabeth was Secretary (CEO) of the Department of Premier and Cabinet (Victoria) and Chief Executive of the City of Melbourne.
Elizabeth was made an Officer of the Order of Australia in 2010 for distinguished service to public administration and to business, through leadership roles in government and private enterprise, as a mentor to women, and to the community through contributions to arts, charitable and educational bodies.
Elizabeth holds a Bachelor of Arts (Hons) from La Trobe University and a Bachelor of Laws from the University of Melbourne. In March 2021, Elizabeth was appointed a Life Fellow of the Australian Institute of Company Directors
Other board roles currently held by Elizabeth include:
Peter Townsend
MBA, MAICD, FAMI, JP
Director
Mr Townsend has 40+ years’ experience in the finance and technology sectors and is currently the General Manager at Coastline Credit Union.
Mr Townsend has been a Director at Indue since August 2006 and is a member of the Audit Committee.