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Executive Leadership Team

Cuscal Executive Leadership Team


Meet Craig Kennedy

Managing Director

Craig joined Cuscal as its Managing Director on 8 December 2008.

Craig is responsible for the corporate leadership, strategy and direction that has established Cuscal as a leading payments and regulated data services provider in Australia.

Craig has more than 35 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.

Meet Michael Blomfield

Chief Client Officer

Michael joined Cuscal as Chief Client Officer in June 2024 and oversees Cuscal’s client and growth functions.

Michael 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.


Meet Sean O’Donoghue

Chief Financial Officer

Sean joined Cuscal as Chief Financial Officer in August 2014 and oversees Cuscal’s financial, project management, business improvement and investor relations functions.

Sean has over 30 years’ experience in various chief and senior executive roles predominantly in the listed environment, in Australia and internationally with businesses in banking, wealth management and property.

Sean’s career spans financial services and wealth management and he spent close to two decades in the property, funds management and superannuation sectors with multi-nationals Lend Lease and MLC (in Australia and the United States), Multiplex and Abacus Property Group in various chief and senior financial roles.

Sean holds a Bachelor of Commerce with Merit (majoring in Accounting, Finance & Information Systems) from the University of NSW; a Master of Business Administration from Pepperdine University, USA and is also a Chartered Accountant.

This is a picture of Angela Powell

Meet Angela Powell

Chief Risk Officer

Angela joined Cuscal in February 2024 as Chief Risk Officer. She is responsible for leading Cuscal’s risk management strategy, compliance, and risk management frameworks, as well as enhancing Cuscal’s risk management culture and capability across the business.

Angela 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.


Meet Bronwyn Yam

Chief Product Officer

Bronwyn joined Cuscal in May 2023 as the Chief Product Officer. She is responsible for driving Cuscal’s product strategy.

Bronwyn 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.


Meet Evan Craig

Chief Information Officer

Evan was appointed Chief Information Officer in March 2022 and leads Cuscal’s technology and practice delivery functions. Since joining Cuscal in July 2017, he has 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.


Meet Freya Smith

Chief Legal and People Officer

Freya joined Cuscal in October 2022 and is responsible for leading Cuscal’s legal and secretariat and people and culture functions.

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 IXUP Limited.

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