Jeff joined the Heartland Group as Chief Executive Officer of MARAC Finance Limited (MARAC) in 2009 and successfully guided the merger of Southern Cross Building Society, CBS Canterbury and MARAC to become Heartland in 2011. Together with the Board, Jeff has set a strategy for Heartland focusing on delivery of best or only products to markets that are under-served by the other banks using low cost intermediated, direct and digital channels. Jeff is a member of Champions for Change, an organisation facilitating the exchange of ideas with peers of appropriate ways to improve our diversity and inclusiveness. Jeff has over 20 years' experience as a senior banking executive, including with the ANZ National Banking Group, where he last held the position of Managing Director of Corporate and Commercial Banking for ANZ National Bank. From February 2006 until February 2008, he was on the board of UDC Finance Limited. Jeff has also held a number of senior positions in the Institutional and Capital Markets areas of The National Bank of New Zealand and its subsidiary, Southpac.