Mr Kupper is Chairman of the Risk Committee. Elmer is a business leader and company director. He has financial services experience and has served as Chief Executive Officer of two listed companies. Elmer brings leadership experience in setting and implementing strategic plans, including transforming business models through the adoption of technology and digital services. The companies he led offered their services through retail and wholesale technology platforms, supported by significant data and data analytics capabilities. He brings experience in the management of technology programs and technology risk, including cyber security. Elmer also brings experience in navigating demanding regulatory environments, and has worked with state and federal governments, regulators, customers and shareholders. Elmer was previously a director of the Business Council of Australia. Prior to that he was Managing Director and CEO of Tabcorp. He held senior executive positions at ANZ Bank over more than 10 years and was a member of its Management Board. He started his career as a management consultant with McKinsey & Company. Elmer was also previously a non-executive director of MYOB Group Co Pty Ltd, the Australian holding company of the MYOB Group.