Fiona Gallagher
Senior Bank Manager | Retail Banking Leadership, Credit Risk & Commercial Growth
Perth
Professional Summary
Results-driven Senior Bank Manager with extensive leadership across retail and commercial branch networks in Western Australia. Proven track record in portfolio expansion, strict regulatory compliance under APRA standards, and high-performing team mentorship.
Professional Experience
Swan Coastal Bank
Perth, WA
Senior Branch Manager
Mar 2020 – Present
- Direct full operations, credit risk, and customer service delivery for a flagship metropolitan branch managing over $420M in lending assets and deposit holdings.
- Lead a multidisciplinary team of 24 staff across retail lending, business banking, teller services, and financial planning referrals.
- Maintained a 98% audit compliance rating across consecutive annual internal reviews by enforcing rigorous APRA and AML/CTF guidelines.
- Grew local SME lending portfolio balances by 18% over a three-year period through structured commercial network engagement.
Westralia Mutual Credit
Perth, WA
Branch Manager
June 2014 – Feb 2020
- Oversaw daily operations and performance for two suburban branch locations with combined deposits exceeding $260M.
- Managed residential mortgage underwriting and approval workflows within delegated lending limits of up to $1.5M.
- Reduced customer wait times by 22% through the introduction of queue-management practices and digital onboarding kiosks.
- Mentored five assistant branch managers who successfully progressed into standalone branch leadership positions.
Darling Range Commercial Bank
Fremantle, WA
Assistant Branch Manager
Aug 2009 – May 2014
- Supervised branch lending specialists and teller staff, conducting quarterly audits and compliance training sessions.
- Structured personal and small-business loan facilities in alignment with National Consumer Credit Protection (NCCP) legislation.
- Consistently ranked in the regional top quartile for customer satisfaction and service quality benchmarks.
Education
Curtin University
Bachelor of Commerce · Banking and Finance · Perth, WA · Distinction · Feb 1991 – Nov 1994
Completed double major coursework across corporate finance, credit assessment, and commercial law.
Key Projects
Metropolitan Branch Modernisation & Integration
Nov 2021 – Aug 2022
- Directed the branch consolidation and systems transition of two heritage branches into a modernized central hub on schedule and within budget.
- Trained 30 staff members on revised branch core banking software and updated customer verification protocols.
Core Competencies
Branch Operations Management
Retail & SME Lending
Credit Risk Assessment
AML/CTF Compliance
APRA Regulatory Frameworks
Team Leadership & Coaching
Financial Performance & P&L
Customer Relationship Management
Dispute Resolution
Internal Audit & Governance
Languages
English
C2
Certifications & Credentials
Fellow Chartered Banker (FCBI)
Financial Services Institute of Australasia (FINSIA) · Sept 2018
Diploma of Financial Services (Banking)
Australian Financial Markets Association · May 2012
Community Engagement
Perth Financial Counselling Network
Perth, WA · Apr 2018 – Present
- Volunteer Community Financial Educator
- Deliver monthly pro bono financial capability workshops and budgeting guidance to local families and small-business founders.