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Brian Hartzer is Group Managing Director of ANZ's Personal Division. This division primarily serves ANZ’s retail customers in Australia and the Pacific. It includes the following businesses: Retail Banking Mortgages Consumer Finance Banking Products Regional & Rural Banking and Investment & Insurance Products and ANZ’s subsidiary Esanda. Brian was previously Managing Director of ANZ's Consumer Finance business where he was responsible for credit cards merchant acquiring and personal loans. Prior to this Brian was Managing Director of ANZ’s Cards and ePayments business. Before joining ANZ Brian was Vice President and head of the San Francisco office of First Manhattan Consulting Group a leading strategic consulting firm to the financial services industry. During 10 years with First Manhattan he consulted to major banks credit card companies and brokerage firms. As a consultant Brian was seconded to ANZ from 1994 to 1997 in a number of roles including Head of Consumer Marketing and Head of Database Marketing. He also worked on a variety of Group-level strategic projects including retail distribution strategy retail and commercial market segmentation and the introduction of Economic Value Added (EVA)-based management accounting principles. Brian holds a Bachelor of European History (highest honours) from Princeton University and is also a Chartered Financial Analyst. | 