Powering lending innovation
Delivering credit where credit is dueOur purpose is to increase global access to sustainable credit.
To do so, we enable lenders to deeply understand their customers and make intelligent, AI informed decisions that meet their borrowing needs.
Our values
INNOVATION
Drawing upon courage and opportunity to harness the unique value RDC brings with strength, agility, and the power to change the world of lending.
TRUST
Empowered by shared values to offer respect and support to the RDC family and customers. We operate with integrity and rely on honesty and foster transparency in all interactions. Trust is the key to RDC’s success at the core.
AMBITION
Constantly striving to excel, embodying excellence in every action to advance global financial inclusion with a positive social impact.
RESILIENCE
We maintain stability and unrelenting conviction, we traverse the everchanging commercial landscape to realise ongoing success.
Our history
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RDC is formed
- Michael, Ada, Charles, and Gordon form RDC grounded in a belief in better use of data and AI, and established a company with a purpose centered on inclusion
- Seed funding includes US investor
Entered Vietnam market
- Launched Savvy Smart Home to bring together IoT and AI
- Mobifone uses RDC to identify consumer characteristics related to account suspensions
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Entered into North American market
- EZCORP leverages RDC machine learning models for consumer credit assessment
Entered into Chinese market
- Midea (Fortune 500) leverages RDC to predict consumer purchasing behaviour
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Expanded footprint in China
- Unique China project
- Partnership with Inspur and Diebold Nixdorf – leveraged tax data to build a credit scoring and decisioning model for banks
Certification
- RDC achieved its ISO 27001 accreditation (and holds it to this day)
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Deployment in Canada
- North American lender implemented RDC for subprime lending at a neo bank in Canada
Industry leadership
- Presented at European conference (Machine and Transferred Learning)
- Formed Advisory Board of World Class experts
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Entered Australian market
- Showcased AI Capabilities with Deloitte at AFR Banking & Finance Summit
- NAB partnered with RDC to innovate, augment and expand their small business lending capabilities
- RDC develops an AI and Data roadmap for neo bank Judo Bank
- RDC Silver Sponsor Australian Retail Credit Association (ARCA) Summit
Research papers published
- RDC in collaboration with UTS publishes a research paper on Transfer Learning in Credit for ACIS
Growth Funding
- Series A raise in excess of US $14M
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Entered New Zealand market
- BNZ uses RDC to establish an innovative lending product
Research papers and conference
- Published a paper in AAAI-21 KDF ‘Building a Credit Risk Model using Transfer Learning and Domain Adaptation’
Partnership
- New cloud-based core banking partner, Mambu onboarded
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Australian Growth
- New deployment with one of the top 4 Australian banks. RDC technology and modelling to be used to expand and accelerate AI including cash flow analytics
North American Expansion
- Participation in Austrade commission to NYC
Research Papers
- RDC’s innovative research on Transfer Learning and Domain Adaptation was published in Frontiers in Artificial Intelligence
Founders
Our leadership team has extensive experience with banking and software operating at scale. The team has diverse global industry experience and believes in the power of technology to create positive social impact.
Michael Coomer
Chairman & Co-founder
Leading RDC with decades of unparalleled executive experience across Asia-Pac and beyond.
Michael has over 35 years experience in business and IT holding executive roles. He served as Executive Vice-President for the Asia-Pacific and Japan region at EDS, and Group Executive for Business and Technology Solutions and Services at Westpac Banking Corporation. Michael was also Chief Information Officer of the National Australia Bank, leading all IT activities in Asia, Australia, New Zealand, Ireland, Britain and the US. Michael is a graduate of the Harvard Business School Advanced Management Program and holds a Bachelor’s degree in engineering.
Michael Coomer
Executive Chairman & Co-founder
Michael Coomer
Chairman & Co-founder
Leading RDC with decades of unparalleled executive experience across Asia-Pac and beyond.
Michael has over 35 years experience in business and IT holding executive roles. He served as Executive Vice-President for the Asia-Pacific and Japan region at EDS, and Group Executive for Business and Technology Solutions and Services at Westpac Banking Corporation. Michael was also Chief Information Officer of the National Australia Bank, leading all IT activities in Asia, Australia, New Zealand, Ireland, Britain and the US. Michael is a graduate of the Harvard Business School Advanced Management Program and holds a Bachelor’s degree in engineering.
Ada Guan
CEO & Co-founder
Leading RDC with wisdom gained from global experience at the intersection of technology and finance to deliver on corporate strategy for clients.
Ada brings over 20 years’ global experience in financial services, software, and retail industries. Leading a Global Client Advisor team at Oracle Corporation, she advised board and C-level executives in large global banks on digital disruption and Fintech strategy, and drove Oracle thought leadership in banking digital transformation for Global Key Accounts. During her time at Westpac Bank in Australia, Ada implemented a multi-million dollar program to deliver a mission critical services layer for the Bank and formulated the IT strategy that formed the basis of the $800m investment program to transform Westpac’s Product and Operation division, and complete the merger with St. George Bank. Ada holds an EMBA from the Australia Graduate School of Management, and a Master of Computer Engineering from the University of New South Wales, Australia.
Ada Guan
CEO & Co-founder
Ada Guan
CEO & Co-founder
Leading RDC with wisdom gained from global experience at the intersection of technology and finance to deliver on corporate strategy for clients.
Ada brings over 20 years’ global experience in financial services, software, and retail industries. Leading a Global Client Advisor team at Oracle Corporation, she advised board and C-level executives in large global banks on digital disruption and Fintech strategy, and drove Oracle thought leadership in banking digital transformation for Global Key Accounts. During her time at Westpac Bank in Australia, Ada implemented a multi-million dollar program to deliver a mission critical services layer for the Bank and formulated the IT strategy that formed the basis of the $800m investment program to transform Westpac’s Product and Operation division, and complete the merger with St. George Bank. Ada holds an EMBA from the Australia Graduate School of Management, and a Master of Computer Engineering from the University of New South Wales, Australia.
Charles Guan
CTO & Co-founder
Combining an analytical eye and a strategic mindset to deliver efficiency across the spectrum of RDC operations.
Charles has over 15 years’ experience in business analytics, enterprise applications, and program delivery. He was previously an Enterprise Architect at NSW Department of Justice, leading the enterprise performance management framework and implementation projects. He advised the departmental executives on strategy for business analytics, enterprise performance measurement and actionable insights. He also led the design and implementation of a budget system for the $5B budget of the department. Charles previously operated a consulting business managing IT projects using onshore and offshore resources for small to medium enterprises. Charles holds an EMBA from the Australia Graduate School of Management, a Master of Computer Engineering degree from the University of New South Wales, Australia and a Bachelor of Electrical Engineering degree from Tsinghua University, China.
Charles Guan
CTO & Co-founder
Charles Guan
CTO & Co-founder
Combining an analytical eye and a strategic mindset to deliver efficiency across the spectrum of RDC operations.
Charles has over 15 years’ experience in business analytics, enterprise applications, and program delivery. He was previously an Enterprise Architect at NSW Department of Justice, leading the enterprise performance management framework and implementation projects. He advised the departmental executives on strategy for business analytics, enterprise performance measurement and actionable insights. He also led the design and implementation of a budget system for the $5B budget of the department. Charles previously operated a consulting business managing IT projects using onshore and offshore resources for small to medium enterprises. Charles holds an EMBA from the Australia Graduate School of Management, a Master of Computer Engineering degree from the University of New South Wales, Australia and a Bachelor of Electrical Engineering degree from Tsinghua University, China.
Gordon Campbell
CPO & Co-founder
Leading product development and collaboration with RDC partners and clients to deliver a truly competitive edge.
Gordon has been actively involved in product strategy and product development within three international software organisations, driving new capabilities from inception to market. He has extensive experience over all phases of the business solution lifecycle. As a senior industry solution director at Oracle, Gordon focused on transformation and innovation. He was responsible for all pillars of technology and applications with various executive and IT teams from companies including Westpac, NBNCo, AMP, Sydney Water, and Origin Energy. At Amdocs, Gordon worked on transformations and architecture in companies throughout Asia Pacific region. Gordon’s career began in chartered accountancy in New Zealand, and in parallel he undertook his ACA studies and later completed a CPIM, as well as leading an ISO9001 certification.
Gordon Campbell
CCO & Co-founder
Gordon Campbell
CPO & Co-founder
Leading product development and collaboration with RDC partners and clients to deliver a truly competitive edge.
Gordon has been actively involved in product strategy and product development within three international software organisations, driving new capabilities from inception to market. He has extensive experience over all phases of the business solution lifecycle. As a senior industry solution director at Oracle, Gordon focused on transformation and innovation. He was responsible for all pillars of technology and applications with various executive and IT teams from companies including Westpac, NBNCo, AMP, Sydney Water, and Origin Energy. At Amdocs, Gordon worked on transformations and architecture in companies throughout Asia Pacific region. Gordon’s career began in chartered accountancy in New Zealand, and in parallel he undertook his ACA studies and later completed a CPIM, as well as leading an ISO9001 certification.
Advisory board
Providing expert guidance, our advisors offer a wealth of industry knowledge and experience underpinned by a passion to deliver improved lending for both businesses and borrowers.
Bernie Brookes AM
With over 30 years’ experience in the retail industry, Bernie Brookes AM is a business and retail icon. He previously served as CEO of Myer for 9 years and took it from a $66 million loss organisation to one of the top 200 listed companies with a market capitalisation of over $1 billion.
An experienced Board member and Chair of large and challenging companies in Private Equity, International corporates and small start-ups, Bernie’s experience includes leading a multi-divisional organisation during significant periods of change and reengineering. Having worked domestically, in three states, across all major divisions of Woolworths, he has substantial experience in Retail and Wholesale Operations, Buying, Information Technology Systems, Supply Chain and Human Resource management in a fast moving and dynamic environment. Bernie also has significant international experience, running the largest non-food retailer in sub-Sahara Africa.
Bernie Brookes AM
Bernie Brookes AM
With over 30 years’ experience in the retail industry, Bernie Brookes AM is a business and retail icon. He previously served as CEO of Myer for 9 years and took it from a $66 million loss organisation to one of the top 200 listed companies with a market capitalisation of over $1 billion.
An experienced Board member and Chair of large and challenging companies in Private Equity, International corporates and small start-ups, Bernie’s experience includes leading a multi-divisional organisation during significant periods of change and reengineering. Having worked domestically, in three states, across all major divisions of Woolworths, he has substantial experience in Retail and Wholesale Operations, Buying, Information Technology Systems, Supply Chain and Human Resource management in a fast moving and dynamic environment. Bernie also has significant international experience, running the largest non-food retailer in sub-Sahara Africa.
Susan Kay
A highly-experienced international director, consultant, and executive coach, Susan brings unparalleled insight to RDC.
Susan has an extensive background in operational, strategic and human resources director roles in large, complex organisations such as BT Plc. Combining her operational and corporate strategy and HR experience, Susan has a proven track record of diagnosing complex organisation change situations and developing and leading large scale interventions that delivered significant business benefits, which will prove invaluable to RDC.
Susan Kay
Susan Kay
A highly-experienced international director, consultant, and executive coach, Susan brings unparalleled insight to RDC.
Susan has an extensive background in operational, strategic and human resources director roles in large, complex organisations such as BT Plc. Combining her operational and corporate strategy and HR experience, Susan has a proven track record of diagnosing complex organisation change situations and developing and leading large scale interventions that delivered significant business benefits, which will prove invaluable to RDC.
Andrew Carriline
A highly-respected senior finance executive, Andrew brings considerable value to the RDC team with over 30 years of extensive risk, banking and legal experience.
Formerly with Westpac, one of Australia’s “big four” banks and the country’s first and oldest banking institution, Andrew held numerous senior roles during his tenure there, notably having served as the Chief Risk Officer of the Institutional Bank at Westpac. More recently, he served as General Manager, Banking Industry Initiatives at Westpac Group, where he was responsible for the implementation of the Australian banking industry’s “6-point plan” that serves ensure ethical behaviour from banks when dealing with customers..
Andrew Carriline
Andrew Carriline
A highly-respected senior finance executive, Andrew brings considerable value to the RDC team with over 30 years of extensive risk, banking and legal experience.
Formerly with Westpac, one of Australia’s “big four” banks and the country’s first and oldest banking institution, Andrew held numerous senior roles during his tenure there, notably having served as the Chief Risk Officer of the Institutional Bank at Westpac. More recently, he served as General Manager, Banking Industry Initiatives at Westpac Group, where he was responsible for the implementation of the Australian banking industry’s “6-point plan” that serves ensure ethical behaviour from banks when dealing with customers..
Paul Compton
Paul Compton is an Emeritus Professor at the University of New South Wales (UNSW). His career in Artificial Intelligence commenced at the Garvan Institute of Medical Research in the 1980’s, where he worked on one of the first medical expert systems to go into clinical use.
Paul’s research has focused mainly on the incremental development and maintenance of knowledge-based systems while they are in use, an approach known as Ripple Down Rules (RDR), and his research has had significant industrial impact, with a number of companies having developed services based on RDR, including IBM. In particular, RDR are widely used in medical diagnostic laboratories. Paul was also the head of the School of Computer Science and Engineering at UNSW for 12 years and has been a member of the University Council.
Paul Compton
Paul Compton
Paul Compton is an Emeritus Professor at the University of New South Wales (UNSW). His career in Artificial Intelligence commenced at the Garvan Institute of Medical Research in the 1980’s, where he worked on one of the first medical expert systems to go into clinical use.
Paul’s research has focused mainly on the incremental development and maintenance of knowledge-based systems while they are in use, an approach known as Ripple Down Rules (RDR), and his research has had significant industrial impact, with a number of companies having developed services based on RDR, including IBM. In particular, RDR are widely used in medical diagnostic laboratories. Paul was also the head of the School of Computer Science and Engineering at UNSW for 12 years and has been a member of the University Council.
Eric Williamson
A seasoned executive with international experience in the financial services industry.
A seasoned executive with international experience in the financial services industry. Eric spent the bulk of his career at National Australia Bank, where he held various leadership positions including Group Treasurer, Chief Risk Officer – Corporate & Institutional and EGM Corporate Finance. Eric began his career in Edinburgh and held corporate finance positions at Close Brothers and Royal Bank of Scotland. Eric recently served as Senior Advisor to Cerberus Capital Management with active involvement in strategy and acquisition activity and on various related portfolio related boards. Eric was appointed as CEO of Wingate in March 2022. Eric is currently the CEO at Wingate responsible for overall strategic management, growth aspirations and leadership of its people.
Eric Williamson
Eric Williamson
A seasoned executive with international experience in the financial services industry.
A seasoned executive with international experience in the financial services industry. Eric spent the bulk of his career at National Australia Bank, where he held various leadership positions including Group Treasurer, Chief Risk Officer – Corporate & Institutional and EGM Corporate Finance. Eric began his career in Edinburgh and held corporate finance positions at Close Brothers and Royal Bank of Scotland. Eric recently served as Senior Advisor to Cerberus Capital Management with active involvement in strategy and acquisition activity and on various related portfolio related boards. Eric was appointed as CEO of Wingate in March 2022. Eric is currently the CEO at Wingate responsible for overall strategic management, growth aspirations and leadership of its people.
Jeffrey Bray
With over 25 years’ experience in executing large change initiatives across the financial services sector, Jeff has built his career in helping businesses adopt new technology solutions. He previously served as EVP of Technology and Operations for Seacoast Bank for five years. During that time, he championed strategic, operational, and technology changes that help Seacoast Bank get recognized by Forbes for being among the fastest-growing companies in 2018 -2020.
Jeff experience has executed over 20+ M&A Integrations at Bank of America, DFC Global, and Seacoast Bank. Led the development of a digital lending business that delivered $400 MM in revenue annually by year four. Drove business and technology transformations across sales, marketing, fulfillment, call center, servicing, lending, wealth management, data management, infrastructure, IT security, business governance, and outsourcing. Spearheaded Six Sigma Implementation Programs at General Electric, Capital One Financial and Bank of America driving $400 MM+ in cumulative impact.
Jeffrey Bray
Jeffrey Bray
With over 25 years’ experience in executing large change initiatives across the financial services sector, Jeff has built his career in helping businesses adopt new technology solutions. He previously served as EVP of Technology and Operations for Seacoast Bank for five years. During that time, he championed strategic, operational, and technology changes that help Seacoast Bank get recognized by Forbes for being among the fastest-growing companies in 2018 -2020.
Jeff experience has executed over 20+ M&A Integrations at Bank of America, DFC Global, and Seacoast Bank. Led the development of a digital lending business that delivered $400 MM in revenue annually by year four. Drove business and technology transformations across sales, marketing, fulfillment, call center, servicing, lending, wealth management, data management, infrastructure, IT security, business governance, and outsourcing. Spearheaded Six Sigma Implementation Programs at General Electric, Capital One Financial and Bank of America driving $400 MM+ in cumulative impact.
Ciaran McMullan
Experienced US based Community and Regional Bank CEO with international financial service experience in Australia, UK and Europe, SE Asia and South America.
As an experienced bank CEO with extensive experience in growth organisations across US, Australia, and UK, Ciaran brings a wealth of market knowledge and industry connections to RDC. As President and CEO of Suncrest Bank in California prior to its sale in early 2022, Ciaran led the bank through a period of significant growth, and from 2013 to 2018 notably, they were the fastest growing publicly traded bank in the country, increasing total assets by over 800%. His background in the financial services landscape includes both executive leadership and consulting roles with advisory and financial technology companies, banks, economic development organizations and industry associations.
Ciaran McMullan
Ciaran McMullan
Experienced US based Community and Regional Bank CEO with international financial service experience in Australia, UK and Europe, SE Asia and South America.
As an experienced bank CEO with extensive experience in growth organisations across US, Australia, and UK, Ciaran brings a wealth of market knowledge and industry connections to RDC. As President and CEO of Suncrest Bank in California prior to its sale in early 2022, Ciaran led the bank through a period of significant growth, and from 2013 to 2018 notably, they were the fastest growing publicly traded bank in the country, increasing total assets by over 800%. His background in the financial services landscape includes both executive leadership and consulting roles with advisory and financial technology companies, banks, economic development organizations and industry associations.
Our people
Diversity of thought, unity of focus – our team powers the solutions that help clients succeed in the new credit landscape.
Check out our team here, you’ll find they are brilliant. Industry savvy, focused, and eager to help. A range of experience from Accenture, Amdocs, ANZ, Equifax, Ernst and Young, FICO, KPMG, Oracle, Sales Force, Tencent to Westpac – we have the advisory, banking, and analytic software vendor experience to be successful.
Lai Mei Leong
CFO
Bringing wide-ranging industry insight to the RDC business and the problems and opportunities of its clients.
Lai Mei has 25 years’ experience across industries as varied as Food & Beverage, Electronics, Property Development, Lifestyle, Medical, and Health and Wellness. She has deep experience in accounting, corporate finance, mergers and acquisitions, and general management and operations, including human resources. Lai was the key project leader for an IPO with dual listing in Singapore and Australia, being for an electronics group providing high-technology turnkey solutions to the semiconductor and surface mounted technology sectors. She also spent 10 years in an Australian publicly-listed medical and health supplements group with operations across Asia and Australia, holding the role of General Manager in charge of its Singapore, China, and Indonesia business units. Lai Mei has a Bachelor Degree in Accountancy from the National University of Singapore and is a Chartered Accountant of the Institute of Singapore Chartered Accountants since 1997.
Lai Mei Leong
Chief Financial Officer
Lai Mei Leong
CFO
Bringing wide-ranging industry insight to the RDC business and the problems and opportunities of its clients.
Lai Mei has 25 years’ experience across industries as varied as Food & Beverage, Electronics, Property Development, Lifestyle, Medical, and Health and Wellness. She has deep experience in accounting, corporate finance, mergers and acquisitions, and general management and operations, including human resources. Lai was the key project leader for an IPO with dual listing in Singapore and Australia, being for an electronics group providing high-technology turnkey solutions to the semiconductor and surface mounted technology sectors. She also spent 10 years in an Australian publicly-listed medical and health supplements group with operations across Asia and Australia, holding the role of General Manager in charge of its Singapore, China, and Indonesia business units. Lai Mei has a Bachelor Degree in Accountancy from the National University of Singapore and is a Chartered Accountant of the Institute of Singapore Chartered Accountants since 1997.
Dr Hendra Suryanto>
Chief Data Scientist
Championing the cause of data before it entered management lexicon as an asset, and now delivering research insights underpinned by global corporate experience.
Hendra has over 20 years’ experience in data science, big data, business intelligence, and data warehousing. Prior to joining RDC, he was a Lead Data Scientist at KPMG and advised the firm’s clients globally in relation to data science and big data projects. Dr Hendra’s experience spans across data architecture, data science and data engineering, managing and designing end-to-end data analytics solutions within an Agile continuous delivery DevOps framework. He has worked in leading organisations including Westpac Bank, Commonwealth Bank Australia, Veda, Bupa, HCF and Vodafone. He has in-depth expertise in various domain verticals including telecommunication, banking, fraud, risk, marketing, and insurance. Hendra completed a PhD in Artificial Intelligence and has further experience as a postdoctoral researcher in machine learning.
Dr Hendra Suryanto
Chief Data Scientist
Dr Hendra Suryanto>
Chief Data Scientist
Championing the cause of data before it entered management lexicon as an asset, and now delivering research insights underpinned by global corporate experience.
Hendra has over 20 years’ experience in data science, big data, business intelligence, and data warehousing. Prior to joining RDC, he was a Lead Data Scientist at KPMG and advised the firm’s clients globally in relation to data science and big data projects. Dr Hendra’s experience spans across data architecture, data science and data engineering, managing and designing end-to-end data analytics solutions within an Agile continuous delivery DevOps framework. He has worked in leading organisations including Westpac Bank, Commonwealth Bank Australia, Veda, Bupa, HCF and Vodafone. He has in-depth expertise in various domain verticals including telecommunication, banking, fraud, risk, marketing, and insurance. Hendra completed a PhD in Artificial Intelligence and has further experience as a postdoctoral researcher in machine learning.
Kent To
Head of Engineering
Exploring experimental pathways and industrialising established ones, based on the rigour developed in governmental environments.
Kent has over 10 years’ experience in enterprise application development, operations, and business intelligence. He was previously a Director in the NSW Department of Justice, working closely with the CIO to modernise software development and lifecycle management. Kent holds a Bachelor’s degree in computer science from the University of Technology, Sydney.
Kent To
Head of Engineering
Kent To
Head of Engineering
Exploring experimental pathways and industrialising established ones, based on the rigour developed in governmental environments.
Kent has over 10 years’ experience in enterprise application development, operations, and business intelligence. He was previously a Director in the NSW Department of Justice, working closely with the CIO to modernise software development and lifecycle management. Kent holds a Bachelor’s degree in computer science from the University of Technology, Sydney.
Victor Cheung
Commercial Director
Overseeing the implementation of commercial strategies, Victor brings over 20 years’ experience, working with customers to navigate the commercial landscape.
Victor was head of professional services Asia-Pacific for Amdocs and Comverse, setting up services to streamline engagements for Tier-1 accounts. He has led Business Program Management for brands such as Optus, Telstra and MLC; and held management roles with consulting firms - IBM and Oracle. Victor champions a balanced approach when establishing and negotiating agreements, providing perspective that enables both parties to say “yes” to mutually successful outcomes. Victor holds a Bachelor’s degree in computing science from the University of Western Sydney.
Victor Cheung
CIO (Acting)
Victor Cheung
Commercial Director
Overseeing the implementation of commercial strategies, Victor brings over 20 years’ experience, working with customers to navigate the commercial landscape.
Victor was head of professional services Asia-Pacific for Amdocs and Comverse, setting up services to streamline engagements for Tier-1 accounts. He has led Business Program Management for brands such as Optus, Telstra and MLC; and held management roles with consulting firms - IBM and Oracle. Victor champions a balanced approach when establishing and negotiating agreements, providing perspective that enables both parties to say “yes” to mutually successful outcomes. Victor holds a Bachelor’s degree in computing science from the University of Western Sydney.
Rae Wang
Product Owner
Seeking real understanding to real-world problems, bridging people and technology to deliver innovative solutions.
Rae has 13 years’ experience enabling business software solutions in a business analysis and product management capacity across logistics & supply chain, financial services, data & information services and manufacturing industries. Prior to RDC, Rae managed the largest digital identity verification platform in Australia, and delivered impactful results through process optimisation and incorporation of the latest biometrics technologies. An expert bi-lingual communicator, Rae’s a firm believer that bringing people together delivers the optimal outcome in any field. Rae holds a Bachelor of Engineering – Information Management & Information Systems from the University of Inner Mongolia, and a Master of Information and Communication Technology Advanced from the University of Wollongong.
Rae Wang
Product Manager – Execution
Rae Wang
Product Owner
Seeking real understanding to real-world problems, bridging people and technology to deliver innovative solutions.
Rae has 13 years’ experience enabling business software solutions in a business analysis and product management capacity across logistics & supply chain, financial services, data & information services and manufacturing industries. Prior to RDC, Rae managed the largest digital identity verification platform in Australia, and delivered impactful results through process optimisation and incorporation of the latest biometrics technologies. An expert bi-lingual communicator, Rae’s a firm believer that bringing people together delivers the optimal outcome in any field. Rae holds a Bachelor of Engineering – Information Management & Information Systems from the University of Inner Mongolia, and a Master of Information and Communication Technology Advanced from the University of Wollongong.
Angus Collingwood-Boots
Head of Customer Delivery
Enabling innovative and strategic customer solutions through collaborative design and delivery, Angus has over 15 years’ experience in Business Transformation design and delivery, in Banking and Financial Services.
He was previously a Project Director for several large Programs across the Westpac Group, and more recently the Director for Strategic Design and Planning for the Westpac Customer Service Hub Portfolio. Prior to Westpac, Angus worked as a management consultant at Capgemini Consulting, in the Business Transformation team, working with leading organisations across Financial Services, Telecommunications, Energy, and Healthcare. Angus holds a Bachelor’s degree in Business from the University of Technology Sydney (UTS), and AGSM Certificate of Executive Leadership from UNSW Business School.
Angus Collingwood-Boots
Head of Customer Delivery
Angus Collingwood-Boots
Head of Customer Delivery
Enabling innovative and strategic customer solutions through collaborative design and delivery, Angus has over 15 years’ experience in Business Transformation design and delivery, in Banking and Financial Services.
He was previously a Project Director for several large Programs across the Westpac Group, and more recently the Director for Strategic Design and Planning for the Westpac Customer Service Hub Portfolio. Prior to Westpac, Angus worked as a management consultant at Capgemini Consulting, in the Business Transformation team, working with leading organisations across Financial Services, Telecommunications, Energy, and Healthcare. Angus holds a Bachelor’s degree in Business from the University of Technology Sydney (UTS), and AGSM Certificate of Executive Leadership from UNSW Business School.
Junlong Zhai
Development Manager
Leading talented technologists to build and deliver world-class solutions.
Junlong brings immense value and expert knowledge to the RDC team holding over 20 years of experience across Telco, Financial Services and Credit. At NOKIA Junlong’s exposure was broad & deep covering solution sales & architecture, software architecture, project management, development, and client-side technical engagement. Junlong was a key expert in product development for the consulting and integration of NET. As Technical Director during his tenure at Tencent (Beijing), Junlong was responsible for the CoolNovo browser product line. He held executive level roles for China based Tongdao Financial Group, and Beijing Sinoway Credit Co before relocating to Australia in late 2019. Junlong holds a Bachelor of Computer Science from Harbin Institute of Technology, China.
Junlong Zhai
Head of Development
Junlong Zhai
Development Manager
Leading talented technologists to build and deliver world-class solutions.
Junlong brings immense value and expert knowledge to the RDC team holding over 20 years of experience across Telco, Financial Services and Credit. At NOKIA Junlong’s exposure was broad & deep covering solution sales & architecture, software architecture, project management, development, and client-side technical engagement. Junlong was a key expert in product development for the consulting and integration of NET. As Technical Director during his tenure at Tencent (Beijing), Junlong was responsible for the CoolNovo browser product line. He held executive level roles for China based Tongdao Financial Group, and Beijing Sinoway Credit Co before relocating to Australia in late 2019. Junlong holds a Bachelor of Computer Science from Harbin Institute of Technology, China.
Phil Norman
Head of Client Advisory Services
Experienced leader driving innovative outcomes through data science and analytic insight.
Phil leads our Client Advisory practice; a team established to work intimately with our clients, providing deep support and contributing to overall customer success. Phil brings global experience in credit risk across financial services, telco and utility, and insurance sectors in the US, UK, Asia, Australia and New Zealand. With practical experience in the application of AI techniques on a wide range of industry data sources and algorithms, Phil has a depth of industry understanding to advocate for the practical implementation of AI in our customers’ credit risk practices. Having led consulting teams with 70+ data science & analytics team members, Phil brings instrumental leadership and guidance to our business.
Phil Norman
Head of Client Advisory
Phil Norman
Head of Client Advisory Services
Experienced leader driving innovative outcomes through data science and analytic insight.
Phil leads our Client Advisory practice; a team established to work intimately with our clients, providing deep support and contributing to overall customer success. Phil brings global experience in credit risk across financial services, telco and utility, and insurance sectors in the US, UK, Asia, Australia and New Zealand. With practical experience in the application of AI techniques on a wide range of industry data sources and algorithms, Phil has a depth of industry understanding to advocate for the practical implementation of AI in our customers’ credit risk practices. Having led consulting teams with 70+ data science & analytics team members, Phil brings instrumental leadership and guidance to our business.
Meng Liu
Solution Consultant
Leading engagement to understand client business and technical requirements to ensure successful deliverable outcomes.
With over 25 years experience in organisations such as Equifax, Optus, The LiTMUS Group and Ernst & Young his skillset extends across consulting, business analysis, project management, product strategy, and architectural design & delivery of integrated solutions particularly in credit risk assessment and credit decisioning. Meng’s professional reputation as detail orientated, customer focused and outcome driven precedes him as a well-respected industry expert for credit decisioning. Meng holds a Bachelor of Information Technology, and Master of Information Systems from the University of Queensland. His ability to think outside the box, and cultivate alternate approaches to overcome challenges is a valued asset to the RDC business.
Meng Liu
Solution Consultant
Meng Liu
Solution Consultant
Leading engagement to understand client business and technical requirements to ensure successful deliverable outcomes.
With over 25 years experience in organisations such as Equifax, Optus, The LiTMUS Group and Ernst & Young his skillset extends across consulting, business analysis, project management, product strategy, and architectural design & delivery of integrated solutions particularly in credit risk assessment and credit decisioning. Meng’s professional reputation as detail orientated, customer focused and outcome driven precedes him as a well-respected industry expert for credit decisioning. Meng holds a Bachelor of Information Technology, and Master of Information Systems from the University of Queensland. His ability to think outside the box, and cultivate alternate approaches to overcome challenges is a valued asset to the RDC business.
Julian Bloomfield
Chief Revenue Officer
Experienced and respected sales leader, with deep financial services and technology experience, an advocate for successful customer outcomes.
Julian brings 30 plus years of information technology and business experience from both client’s side including Chase Manhattan Bank in London, New Zealand Government and enterprise software companies such as Oracle, Siebel, Salesforce and now Rich Data Co.
He has worked with customers in partnership to deliver large transformation programs covering digital/ customer experience/ CRM outcomes, core servicing and origination platforms and the combined analytical capabilities required to run a bank.
He is passionate about change and the opportunities that brings as well as delivering successful outcomes for our customers.
Julian Bloomfield
Chief Revenue Officer
Julian Bloomfield
Chief Revenue Officer
Experienced and respected sales leader, with deep financial services and technology experience, an advocate for successful customer outcomes.
Julian brings 30 plus years of information technology and business experience from both client’s side including Chase Manhattan Bank in London, New Zealand Government and enterprise software companies such as Oracle, Siebel, Salesforce and now Rich Data Co.
He has worked with customers in partnership to deliver large transformation programs covering digital/ customer experience/ CRM outcomes, core servicing and origination platforms and the combined analytical capabilities required to run a bank.
He is passionate about change and the opportunities that brings as well as delivering successful outcomes for our customers.
Jessica Muldoon
Jessica is a Certified Human Resources Practitioner specialising in Employee Lifecycle Management, Organisational Design and Leadership.
She brings a rounded commercial lens to her work which is complimented by a Bachelor of Business Majoring in Human Resources Management and a Graduate Certificate in Accounting and Finance. This is coupled with over fifteen years’ experience in various industries and organisations including six at an Executive level in a fortune 500 multinational company and founding a successful consulting practice.
Jessica Muldoon
Head of Talent + Capability
Jessica Muldoon
Jessica is a Certified Human Resources Practitioner specialising in Employee Lifecycle Management, Organisational Design and Leadership.
She brings a rounded commercial lens to her work which is complimented by a Bachelor of Business Majoring in Human Resources Management and a Graduate Certificate in Accounting and Finance. This is coupled with over fifteen years’ experience in various industries and organisations including six at an Executive level in a fortune 500 multinational company and founding a successful consulting practice.
Rob Simon
Client Advisor
Creative problem solver, innovative thinker, driving toward successful client outcomes.
Rob is fascinated by the convergence of AI and non-traditional data, and how the advances in this domain can be applied to achieve superior outcomes. Rob’s approach to solving business problems is an involved one, from the conception to implementation of a solution. With over 13 years’ experience in consulting, delivering solutions for complex technology driven transformations he is a valuable member of the RDC team, actively supporting our clients based in Australia.
Rob Simon
Client Advisor
Rob Simon
Client Advisor
Creative problem solver, innovative thinker, driving toward successful client outcomes.
Rob is fascinated by the convergence of AI and non-traditional data, and how the advances in this domain can be applied to achieve superior outcomes. Rob’s approach to solving business problems is an involved one, from the conception to implementation of a solution. With over 13 years’ experience in consulting, delivering solutions for complex technology driven transformations he is a valuable member of the RDC team, actively supporting our clients based in Australia.
Richard Tweedie
Client Advisor
Helping businesses use data effectively to automate decision processes, improving Customer experience, reducing costs, managing risk and driving business profitability.
Richard has over 20 years’ experience in solving business problems using data, analytics and banking systems; building sustainable analytic eco-systems and operating models to support them. He has worked with banks and credit providers across the globe from the Vendor perspective, using decision engine software to solve their Risk problems and operationalise analytic artefacts. Locally, he headed the strategy and model implementation team for ANZ Bank, responsible for Home Loans, DDA, Credit Cards and Secured Lending.
Richard Tweedie
Client Advisor
Richard Tweedie
Client Advisor
Helping businesses use data effectively to automate decision processes, improving Customer experience, reducing costs, managing risk and driving business profitability.
Richard has over 20 years’ experience in solving business problems using data, analytics and banking systems; building sustainable analytic eco-systems and operating models to support them. He has worked with banks and credit providers across the globe from the Vendor perspective, using decision engine software to solve their Risk problems and operationalise analytic artefacts. Locally, he headed the strategy and model implementation team for ANZ Bank, responsible for Home Loans, DDA, Credit Cards and Secured Lending.
Karen Ferguson
Finance Manager
Experienced accounting and finance professional with a comprehensive understanding of business reporting requirements and accounting principles.
Karen has 30 years’ experience in the Finance Industry her diverse roles have led her to develop a broad and extensive knowledge base. Karen began her career in the Banking Industry working in both Management and Lending roles. Prior to joining RDC she has worked in Public Accounting Firms providing specialist Business Services and has successfully operated her own business providing support to a wide range of Business entities. Karen has extensive Financial Management experience working as a Finance Manager in the private sector for the past nine years and prior to this working in the Not-For- Profit sector for five years. Karen holds a Bachelor’s degree in Accounting from Swinburne University of Technology.
Karen Ferguson
Finance Manager
Karen Ferguson
Finance Manager
Experienced accounting and finance professional with a comprehensive understanding of business reporting requirements and accounting principles.
Karen has 30 years’ experience in the Finance Industry her diverse roles have led her to develop a broad and extensive knowledge base. Karen began her career in the Banking Industry working in both Management and Lending roles. Prior to joining RDC she has worked in Public Accounting Firms providing specialist Business Services and has successfully operated her own business providing support to a wide range of Business entities. Karen has extensive Financial Management experience working as a Finance Manager in the private sector for the past nine years and prior to this working in the Not-For- Profit sector for five years. Karen holds a Bachelor’s degree in Accounting from Swinburne University of Technology.
John Zugelder
A CFA® charterholder, with a background in credit innovation, policy, and
analytics. He is passionate for all things data, visual storytelling, and driving positive outcomes
John leads our growth and expansion into the North American market to support our continued global success. He brings a wealth of expertise from across the data, technology, and risk management ecosystems, and he joins Rich Data Co following a successful banking career at Wells Fargo Bank, Commonwealth Bank of Australia, and Macquarie Group. In addition to his technical capabilities and interests, John is committed to facilitating collaborative team culture with measurable results, and when he isn’t on the tools, you will find him outdoors with his family, often on bicycles.
John Zugelder
Head of Client Advisory North America
John Zugelder
A CFA® charterholder, with a background in credit innovation, policy, and
analytics. He is passionate for all things data, visual storytelling, and driving positive outcomes
John leads our growth and expansion into the North American market to support our continued global success. He brings a wealth of expertise from across the data, technology, and risk management ecosystems, and he joins Rich Data Co following a successful banking career at Wells Fargo Bank, Commonwealth Bank of Australia, and Macquarie Group. In addition to his technical capabilities and interests, John is committed to facilitating collaborative team culture with measurable results, and when he isn’t on the tools, you will find him outdoors with his family, often on bicycles.
Crystal Du
Head of Data Engineering
Data-driven platform initiator and architect, data strategic thinker and problem solver.
As the Head of Data Engineering, Crystal combines technical expertise, strategic vision, and exceptional leadership to shape and execute the data engineering strategy of RDC, ultimately driving data-driven success and empowering teams to unlock the true value of their data assets. She is a seasoned professional with a deep passion for transforming raw data into actionable insights. With over 15+ years experience of data management, data platform end-to-end solution design, Crystal possesses a comprehensive understanding of the entire data lifecycle, from data acquisition and storage to processing and analysis. She spearheads the development and implementation of robust data engineering strategies to support RDC's data-driven initiatives.
Crystal Du
Head of Data Engineering
Jessica Muldoon
Jessica is a Certified Human Resources Practitioner specialising in Employee Lifecycle Management, Organisational Design and Leadership.
She brings a rounded commercial lens to her work which is complimented by a Bachelor of Business Majoring in Human Resources Management and a Graduate Certificate in Accounting and Finance. This is coupled with over fifteen years’ experience in various industries and organisations including six at an Executive level in a fortune 500 multinational company and founding a successful consulting practice.
Mike Jones
General Manager, Australia and New Zealand
Dynamic, strategic, data-savvy leader.
Mike Jones has joined the RDC team as our General Manager for Australia and New Zealand. Mike brings over 25 years of valuable risk management, credit, data and analytics expertise to our team. Having worked across industry, top consulting firms and software organisations, Mike’s depth and breadth of experience and his passion for leadership, culture and people fit neatly with our existing team. Mike will play a positive role in RDC’s growth and will help nurture our culture.
Mike Jones
General Manager, AU/NZ
Karen Ferguson
Finance Manager
Experienced accounting and finance professional with a comprehensive understanding of business reporting requirements and accounting principles.
Karen has 30 years’ experience in the Finance Industry her diverse roles have led her to develop a broad and extensive knowledge base. Karen began her career in the Banking Industry working in both Management and Lending roles. Prior to joining RDC she has worked in Public Accounting Firms providing specialist Business Services and has successfully operated her own business providing support to a wide range of Business entities. Karen has extensive Financial Management experience working as a Finance Manager in the private sector for the past nine years and prior to this working in the Not-For- Profit sector for five years. Karen holds a Bachelor’s degree in Accounting from Swinburne University of Technology.
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