Antonia is CEO of ANZ New Zealand. Prior to this she held roles as Managing Director of our Retail and Business Banking business and as Chief Financial Officer. In her most recent role as MD Retail and Business Banking, Antonia was responsible for our network of retail branches, contact centres and banking specialists who take care of over two million consumer and small business customers. Antonia joined ANZ from Morgan Stanley, where she was General Manager of their business services and technology centre in Budapest and had various Finance roles in Sydney and London. She started her career at KPMG.