Integrity
We strive to be truthful,
honorable and transparent
in all our dealings, always.
Welcome to
International Bank of Australia
International Bank of Australia will be a global payments bank, licensed in Australia, that will provide banking and payments services to support the increasing global mobility of capital, commerce and people.
Our
Vision
To simplify life for people and businesses engaging in payments domestically and across borders.
Our
Mission
We will provide banking and payments infrastructure that no longer impedes business and is scalable across multiple geographic corridors to enable the seamless end-to-end movement of money.
Our
Values
International Bank of Australia is committed to building and operating a business in alignment with the highest ethical standards. Our core values remain concentrated on moulding an exceptional internal culture while delivering exemplary performance every step of the way.
Belief
We strongly believe in
ourselves, each other
and our vision.
Optimistic
We embrace positivity in
everything we do.
Authentic
What we say is
what we do.
Our
Proposition
At the core of International Bank of Australia’s proposition is the ability to differentiate customer treatment and decisions at every customer event. By enabling customer-defined preferences, segmenting the customer base, analysing data, deploying strategies and learning from these events, International Bank of Australia will deliver a differentiated and personalised value proposition.
Borderless
Bank Account
Cross Border
Payments and FX
Banking
Services for Fintechs
Cross border
Lending
Payment
Services for Fintechs
Trusted
Partner Ecosystem
Our
People
Board
Members 
Steve Aliferis
Chair
Steve Aliferis is the Co-Founder and Executive Chair of Gped. He is responsible for leading capital raising, mergers and acquisitions opportunities and global go to market strategies. Steve is a…
Ramona Enconniere
Non-Executive DirectorExtensive experience in international banking and Board roles with private and publicly owned companies. A senior executive with the Bank of Singapore (OCBC) & Bank of America. Deep expertise across…
Henry Song
Non-Executive DirectorHenry Song has over 15 years in the banking and finance industry. Henry’s experience crosses multiple business functions including SME banking, trade finance, personal banking and wealth management in countries…
Guy Carvalho
Managing Director and CEO
Senior banking executive in growing business portfolios across a range of customer segments, industries and businesses in Australia and the Asia-Pacific region. Significant career in Asia presenting ANZ’s bank branch…
IBOA
Team
Guy Carvalho
Managing Director and CEO
A respected leader in public and private companies throughout Asia, Guy is someone for whom breakthrough thinking and ideas are intrinsic. Highly commercial and entrepreneurial, Guy is always five steps…
Jeff Bloom
Chief Operating Officer
Jeff brings enormous operational and financial clout to IBA through his long-standing expertise in large-scale operational transformations across the banking sector. An acknowledged industry ‘expert’, Jeff is regularly called upon…
Sandeep Madhavan
Chief Technology Officer
The consummate optimist and entrepreneur, Sandeep achieved early success with SportoBuddy, a disruptive online portal and mobile app that delivers a holistic sporting experience using location intelligence and is recognised…
Saif Hazarika
Chief Strategy Officer
A serial innovator, Saif identifies opportunities and creates value from the most lateral and unexpected sources. Saif possesses an enviable ability to leverage newfound technology with a finely honed commercial…
Lawrence Muscara
Head of FinanceIntroducing Lawrence, a seasoned financial leader boasting more than 17 years of expertise within the ASX, technology, and fintech sectors. Demonstrating an unwavering commitment to authenticity and integrity, Lawrence approaches…
Craig Cole
Senior Manager Banking Solutions
Craig has over 45 years’ experience in the banking industry working for ANZ Bank and NAB. Craig has extensive experience and knowledge in credit and operational risk, customer relationship management…
Karen Chou Flood
Head of Operations Governance and ProjectsOver 20 years in the Finance Industry, joined IBoA in 2018. Karen’s role has predominantly focused on Project Management and Operations Governance. Prior to that, Karen has worked for ANZ,…
Frank Chen
Accountant
Frank is an accomplished accountant with Master degrees in Accounting and Commerce, and over 10 years of experience in the finance industry. He has worked with leading companies such as…
Krishna Gollamudi
Head of Business APAC
With over two decades of experience across ecommerce, remittance, banking, payment technologies, education industry and telecommunication, Krishna brings business understanding & business network in Asia-Pacific region. Krishna also was instrumental…
Siddharth Varadkar
Vice President Strategic Alliance
Siddharth is a seasoned professional with over 15 years of experience in product management, data analytics, and sales strategy across a range of industries, including technology, insurance, real estate, hospitality,…
Vidya Vishwanathan
Creative Director
With over a decade of rich experience in branding, digital advertising, graphic and interface design, Vidya’s zest for colours, shapes, sizes and pixels come alive in an intricate world of…
What's a
Restricted ADI?
International Bank of Australia is authorised by the Australian Prudential Regulation Authority (APRA) to operate under a Restricted Authorised Deposit-taking Institution licence until 2nd November 2024. Under this authority International Bank of Australia has restrictions on the amount of deposits it can take. Under this restricted licence International Bank of Australia is not required to meet the full ADI prudential framework and will not be offering banking products to the general public.
International Bank of Australia has put in place arrangements to protect customers in the event it is required by APRA to discontinue banking business and exits the banking industry. This includes:
- International Bank of Australia being required by APRA to contact customers to advise how they are impacted, e.g. deposits may be returned or transferred to another bank;
- the Banking Act 1959 provisions for the protection of depositors apply to International Bank of Australia; and
- International Bank of Australia is covered by the Australian Government Financial Claims Scheme (FCS). The FCS applies only to protected accounts. It is important customers check the terms and conditions of their specific product to determine if it is protected under the FCS.
Licensing guidelines for authorised deposit-taking institutions | APRA
Please reach out to us if you have further questions. You can use the ‘Contact Us’ form to ask us any questions you have.
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