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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 Ray: Finding Purpose in Data and Payments


Could you tell us a bit about yourself and your role at Cuscal?

I’ve been at Cuscal for a year now. I initially joined as a Senior Manager for Data Governance to build a team focused on uplifting Cuscal’s overall ways of governing our data, in line with the regulatory requirements of being a financial institution.

Most recently, I’ve taken on additional responsibility, leading the team that manages our Data Platforms, Governance, and Data Risk. In this role, I set the direction for how we manage data and its associated risks across the entire lifecycle, ensuring we treat data as a strategic asset. This includes overseeing the development of new data solutions and strengthening data management and governance practices across Cuscal.


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

The environment at Cuscal is quite different from a large organisation. I previously worked at one of the “Big Four”, where I was very deep into one specific component of a large framework.

At Cuscal, I can focus on breadth rather than depth. I’ve been able to contribute my experience across different knowledge components, ensuring I can manage the whole data lifecycle and contribute widely, while leaving the deep specialisation to the experts on my team. The ability to drive end-to-end strategy here is far more exciting than at a big bank.


What sparked your initial interest in the payments industry, and how has your journey evolved since then?

Sometimes, working in a corporate data role, it’s difficult to explain to people how you meaningfully contribute to the community’s day-to-day life. My partner works at a hospital and sees that tangible impact every single day. In payments, we also make a difference, but it’s not always immediately visible to everyone.

The reason I moved to payments was that I wanted to find more purpose in my field. Now, I can directly see how I’m helping the Australian community make those essential daily payments at the grocery store or the medical centre.

We are a B2B organisation, serving banks, mutual banks, and fintechs so their customers can have real-time payments and more. My team manages the critical controls between our core systems and the settlement reports we send to our clients for regulatory compliance. If the data is incorrect, our clients cannot comply with financial regulations. Our work is crucial for ensuring transactions are accurate and reliable. That’s how my team helps keep the financial ecosystem running smoothly.


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

Early in my career, I was in management consultancy. I started as a graduate and was quickly exposed to how different industries operate and how to communicate with diverse stakeholders – from the C-Suite and middle management to the people actually executing the work. That was pivotal because it helped me build the skills needed to connect with, talk to and understand how any organisation operates.

In my data leadership role at Cuscal, I focus on bridging the gap between diverse data needs across the organisation. Everyone has different requirements for data, and it’s critical to understand the key outcomes expected by stakeholders—from data engineers to senior leadership. Whether it’s a request for NPP (New Payments Platform) statistics or RBA compliance, I interpret these needs and translate them into actionable tasks for my team.

This ability to communicate effectively at multiple levels and turn complex requirements into meaningful insights has been fundamental to my career—and it’s what makes data a true strategic asset at Cuscal.


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

The payments industry is evolving rapidly from cash and cheques, to cards and now to instant payment products, like PayID® and NPP. Customers today expect speed, convenience and security, and that expectation is driving innovation.

The biggest opportunity lies in using data to understand how customers interact with payment products. These insights allow us to design solutions that are faster, smarter and more relevant. For Tier 2 and mutual banks, this is critical to staying competitive and trusted in a market dominated by larger institutions.

Another major shift is the rise of scams and fraud, which makes it essential to build resilient payment infrastructure that can withstand these threats while ensuring secure and seamless delivery of payments. Combining strong governance with innovation will be key to creating safe, reliable and customer-focused solutions.

Consumers should be given more options, empowering them to access payment solutions that suit their lifestyle while maintaining trust and security. The focus must be on innovating and delivering safe, compliant and customer-focused payment products that meet evolving expectations.


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

This is an area where, unfortunately, we don’t see as many women. My advice to women, or anyone curious about payments and data, is that there is space for you if you are willing to learn.
If you are curious, step into it. Find mentors who can encourage you to look beyond the current workforce, which is still quite male-dominated in this specific field.

Ultimately, you are the only person who can provide yourself with that opportunity. Don’t let yourself be the one who limits your potential.

Cuscal is proud to nominate Ray 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.