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Forward with Anya: Unlocking AI through curiosity and connection

Anya FitzGibbon has always understood that technology is only as powerful as the people using it. As Head of AI and Data at Cuscal, she’s making artificial intelligence (AI) accessible for everyone, not to replace human work, but to allow more people to do the work they love.

Connecting people with possibility

Fresh off the plane on a working holiday, Anya FitzGibbon couldn’t believe her luck that her first job in Australia gave her a view of the Sydney Opera House and Harbour Bridge. Manning the IT help desk for an investment firm, she spent her days helping people navigate tech issues, watching Sydney’s bustling streets from her window.

It was a constant reminder that while technology was all around, people remained at the heart of her impact.

“I really do believe tech is here to help people. What it can do for us individually is boundless, it’s only limited by our imaginations. I think that was why I eventually moved into software development. Though I wasn’t the strongest developer, I understood what people needed.” 

Over the next two decades, the former backpacker built a life in Australia, with her career spanning the finance, energy, and investment sectors. It was in her previous role as Head of Data Governance that she truly found her stride in the emerging world of AI. 

“I really sank my teeth into the world of AI. Not just developing a strategy but bringing it to life through lasting cultural change. While I love tech, I understand the importance of keeping it simple, translating it into plain terms so people aren’t afraid of it and can make the most of it.” 

In a way, it wasn’t too dissimilar to Anya’s first job at the IT help desk where she helped people navigate technology in a way that makes their lives easier, just at a larger scale. 

Anya’s unique blend of skills prepared her perfectly for what came next. When she saw Cuscal advertising a role as Head of AI and Data, she knew it was a rare opportunity to combine two disciplines she enjoyed. But she didn’t expect to find such a welcoming culture, even before her first day. 

“Every step of the recruitment process was amazing. I met people who were passionate about people, progress, and change, just like I am. It seemed to be a good fit. It left me wanting to join the organisation – obviously in that role, but I probably would have done anything!” Anya laughs. 

Going the distance 

Still in her early days as Head of AI and Data, Anya is putting people at the forefront of her AI strategy. By engaging with leaders across the business to understand their specific challenges and hosting initiatives like AI breakfasts and ‘Copilot Connect’ sessions, she is actively dismantling the fear often associated with AI adoption. 

“You can’t underestimate the impact change has on people. It can make or break what you’re doing,” Anya says. “I always try to understand the organisation I’m working with first. It’s about getting buy-in and showing people how to use new tech effectively. Once you remove the mystery, you remove the fear.” 

One of Anya’s first initiatives was to ensure everyone at Cuscal had access to AI tools, procuring Microsoft Copilot licenses for everyone in the organisation. She also reimagined the onboarding process, replacing lengthy training sessions with a streamlined approach that makes AI accessible from day one.

Anya is aware that everyone moves at different speeds when it comes to new technology, so her approach is designed to support everyone. 

“The way I see it, we have our ‘long-distance runners’ and our ‘sprinters.’ We need to try and get everyone in the organisation to develop literacy around AI, to run at least one kilometre. To do that, we’re using micro-learning and sharing prompts to spark ideas. The best innovations won’t come from me, they’ll come from the people using these tools every day.” 

More human than ever before 

Anya is enlisting the ‘sprinters’ of Cuscal to test a new initiative: the ‘Agentic Talent Hub.’ She’s building AI agents designed to reduce the organisation’s administrative burdens.

“Having AI handle routine tasks means we can be more human than ever before. I was speaking to someone in our procurement team who told me that the real value they provide is negotiating good pricing, but it’s hard to do that when 60% of the role is administration.” 

If the agents prove their value, Anya will be able to scale them to help more people. 

“That would be a win-win. Procurement can do what they’re best at, and Cuscal will get the better prices we want. That’s so exciting about the Agentic Talent Hub, it means more people doing the work they enjoy and creating a rhythm where we’re improving everyone’s day-to-day life.” 

Anya’s mission isn’t just about efficiency; it’s about improving the lives of the people behind the screen. For the busy mum of three, that means more time spent with her family, out on her road bike or teaching weekly pilates classes. It’s about a future built on balance, where AI means more humanity, not less. 

“AI is super powerful, but it doesn’t have to be scary. Whether it’s writing an email, giving you a dad joke or solving a complex problem, there is a nugget of pure joy in AI for everyone. Just finding that nugget is the challenge.” 

Join Anya for an accomplished career that’s growing.

Forward with Cuscal

Forward with Josh: Exploring New Horizons with Cuscal

Since joining Cuscal in 2023, Senior Group Corporate Counsel Josh Temkin has embraced complex challenges including a standout career milestone, helping lead Cuscal through its successful ASX listing. Now, with major strategic and regulatory projects ahead, Josh is energised by the opportunity to help shape the future of Australia’s payments landscape. Driven, curious and always ready to lean in, pushing Cuscal forward.

Watch the video about Josh and hear his story.

Forward with Anchal: Client First Approach Makes the Difference

IT Change Manager Anchal Gandotra brings a powerful perspective to Cuscal’s mission: every tap, transfer and transaction we enable has a real impact on people’s lives. Since joining Cuscal, Anchal has embraced complex challenges, stepped confidently into new leadership opportunities and helped drive meaningful, client focused improvements across our systems and teams. Her journey reflects what’s possible in a place that backs potential, values curiosity and empowers people to make their mark.

Watch the video about Anchal and hear her story.

Forward with Simon: Because our Clients Matter

Client Partnership Manager Simon Riordan brings a problem solver’s mindset and a genuine client first approach to every challenge. From helping fast moving fintechs implement complex payment solutions to navigating the balance between innovation and regulation, Simon thrives on connecting the pieces and finding the right path forward. At Cuscal, he’s discovered a culture where ideas flow, collaboration is real and doing right by clients isn’t just encouraged, it’s expected.

Watch the video about Simon and hear his story.

Forward with Lalita: A Passion for Problem‑Solving and Innovation

When Lalita Sateesh Babu joined Cuscal in 2021, she stepped straight into the pioneering world of Open Banking and helping shape a new era of data, payments and innovation. Today, as a leader in Operational Risk and Regulatory Compliance, she brings curiosity, integrity and a solutions‑focused mindset to every challenge. Lalita’s journey is a testament to the opportunities at Cuscal: continuous learning, broad exposure across the business and the chance to make meaningful impact in a rapidly evolving industry.

Watch the video about Lalita and hear her story.

Forward with David: Building Trust Through Technology

For Domain Engineering Manager David Vittor, life at Cuscal blends technical challenge with deep purpose. From aligning complex technology systems to exploring AI and tokenisation, David thrives on innovation. It’s the human impact that secure, trusted payments have that drives him most. Inspired by formative years volunteering in Zambia, David brings a purpose led approach to engineering, mentoring others and strengthening the systems that millions of Australians rely on every day.

Watch the video about David and hear his story.

Forward with Ellen: Reimagining the Future with Cuscal

Since joining Cuscal in late 2024, Senior Business Communications Partner Ellen Giebels has quickly become known for her lateral thinking, energy and passion for solving complex challenges. Drawn to Cuscal’s impressive history of stability and a future focused, innovative mindset, Ellen is already helping shape how our people work, connect and thrive. With big opportunities ahead, fuelled by transformation, technology and a bold new chapter, Ellen is excited to play her part in what’s next.

Watch the video about Ellen and hear her story.

Forward with Jonny: A Leader with a Different Approach

At the heart of Cuscal’s Contact Centre is Senior Manager, Jonny Morris. From an unexpected holiday phone call that sparked his journey with Cuscal, to leading a high performing team with compassion, energy and a people first philosophy, Jonny is reshaping what leadership looks like. His focus on culture, growth and genuine human connection is empowering his team to deliver remarkable client satisfaction and build meaningful careers.

Watch the video about Jonny and hear his story.

Forward with Bec: Innovating Partnerships and Driving Change

As Head of Strategic Growth, Bec Tissington is reshaping how Cuscal connects, collaborates and innovates across the financial services landscape. With deep industry experience and a passion for creating value through meaningful partnerships, she’s building a new function from the ground up to unlock opportunities for clients, drive growth and push the boundaries of what’s possible in payments. For Bec, Cuscal is where legacy meets innovation and where bold ideas can truly take flight.

Watch the video about Bec and hear her story.

Forward with Lalita: The Power of Proactivity and Self-Investment


Could you tell us a bit about yourself – both your role at Cuscal and what you enjoy outside of work?

As Senior Manager for Group Operational Risk at Cuscal, my primary role involves driving the implementation of our risk management framework and actively partnering with the business. This ensures that all operational risks are managed effectively and remain within our defined risk appetite.

Outside of work, I really prioritise family time. Friday evenings are a ritual for my husband, kids and me – we play board games! It’s a great way to unwind after a busy week and set us up for the weekend.


What’s the most interesting or exciting part of growing your career at Cuscal?

I’ve been at Cuscal for four-and-a-half years and have moved through three roles: Compliance Manager for Open Banking, Domain Risk and Compliance Manager, and finally to Senior Manager of Group Operational Risk.

Naturally, I love learning, and Cuscal provides the perfect ground for it. No two days are the same in this fast-paced environment. Each new challenge is an opportunity to improve.

My career progression here has been exciting because each move broadened my expertise. I went from focusing on consumer data rights to managing the entire breadth of Cuscal’s operations, including payments, fraud, data issuing and acquiring, before moving into group-wide oversight and advisory. It’s helped me grow continuously in knowledge and breadth.

What sparked your initial interest in the payments industry, and how has your journey evolved since then?
Although I’ve been in financial services since 2005, my interest in the payments industry was sparked around 2018, when I began reading about data protection laws, such as Europe’s GDPR, and following Australia’s plan for the Consumer Data Right. When the open banking opportunity came up at Cuscal in 2021, I was ready to jump in.

Joining Cuscal was my real entry point into payments. I started learning about the entire payment processing value chain – from merchants and banks to payment processors and schemes. What I’ve realised is that this industry has evolved so rapidly due to new technology and changing consumer behaviour – we demand everything to be fast, quick and secure.

As a risk and compliance person, my mindset is always focused on what can go wrong in any process. This forces me to analyse the entire function and proactively prepare for risks. Self-learning has been key; you can never claim to know everything because something new comes up every single day.


Can you share a pivotal moment or challenge in your career that shaped who you are today?

I spent almost 13 years working in superannuation. At one point, I realised I needed to look outside my current domain. So, I decided to pursue a master’s degree in law to gain formal education on how to read and interpret legislation, case law and actual scenarios.

This was a turning point because it taught me that you don’t need to be bound by where you are currently working; you can always expand your knowledge if you’re ready to learn and put yourself out there.

That self-investment allowed me to successfully take the opportunity at Cuscal in 2021. Even though I was in superannuation, I had been following open banking and was prepared to make the transition. That period shaped my career by confirming the importance of not inhibiting yourself from taking those opportunities.


What do you believe are the most significant changes or opportunities in the payments industry right now?

The payments industry is practically defined by changing consumer behaviour. Consumer needs keep evolving, which drives new technology, innovation and regulations to manage those changes, and tougher competition.

From a risk perspective, fraud and scams are certainly front-of-mind for everyone. The industry needs to secure payments and ensure customers feel protected. Technology, particularly artificial intelligence, is going to play a huge part in preventing fraud and scams.

The other significant opportunity is embedded finance: integrating financial services into non-financial areas. Buy now, pay later is a great example of this. Embedded finance brings new ideas and easier ways of doing things for consumers.

For me, risk management is all about being proactive, not reactive. The more we know about how our world is changing, the better we can prepare.


What advice would you give to others, especially women, looking to build a career in payments?

In the past, people assumed you needed a finance degree to work in the financial sector. Now, I believe it doesn’t matter what your domain of expertise is – there’s always a role if you’re interested in how finance and payments function in the real world.

The most important advice I can give is to prioritise self-learning. Women often have very busy schedules outside of their 9-to-5 jobs, balancing family and other activities. Finding time to invest in your education is critical.

In my own career, making that investment opened doors I didn’t even know existed. We often wait for the “perfect” opportunity, but every single step you take matters. Keep investing time and energy in yourself, and you’ll realise you are preparing yourself for opportunities you didn’t see coming.

Cuscal is proud to nominate Lalita for a prestigious Women in Payments Award. These awards honour women payments professionals who have demonstrated exceptional leadership, innovation and promise. Find out more about the awards.