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Jenny Fagg is Managing Director, Consumer Finance. She is responsible for the business that provides consumer and commercial credit cards, personal loans, merchant payment solutions and ATM services to ANZ's customers. Jenny joined ANZ in 2000 as General Manager, Consumer Finance Risk Management and Personal Loans. She was appointed Managing Director, Credit Cards Australia, in October 2002. Before joining ANZ, Jenny worked at KPMG where she developed a retail risk management practice. She was previously at Citibank where she had a number of general manager positions in credit cards and risk management, along with business ownership of mortgages, small business and share finance. Jenny has a Bachelor of Economics and Psychology and a PhD in Risk Management. | 