Heather Gale is a treasury and banking professional with over 25 years’ experience and heads Perpetual CT Markets’s treasury advisory practice.  

Prior to joining Perpetual CT Markets, Heather held a number of senior positions within People’s Choice, one of Australia’s largest mutual ADIs. These roles included almost a decade in the treasury team, including as Treasurer with accountability for all aspects of the investment, liquidity, balance sheet management and wholesale funding functions. Heather has extensive experience in the development of treasury and financial strategy and bank balance sheet management.   

Heather has a Bachelor of Applied Finance from the University of South Australia, she is a Certified Practicing Accountant (CPA) and a Graduate from the Australian Institute of Company Directors (GAICD). 

Michael has over 14 years of financial markets, treasury and banking experience with a proven track record, and great ability to share his enthusiasm for cash and fixed income investment products, helping take the complex, and break it down into the simple, for all clients. As Perpetual CT Markets’s Head of Business Development, Michael is responsible for developing key market relationships and covers the breadth of Perpetual CT Markets products as well as assisting clients execute transactions in the cash and fixed interest markets.

Michael joined the Laminar team in 2016. His most recent role was as the Senior Manager Treasury Funding at Suncorp Bank (Australia’s 5th largest bank) where he managed a national portfolio of wholesale clients. Michael has extensive experience in relationship management and business development, servicing clients within the institutional, corporate and government sectors.

Michael enjoys building long term business relationships and he takes great pride in providing value to his clients to help them meet their financial needs and goals through tailored investment solutions. Michael has a Master of International Economics and Finance from the University of Queensland, a Bachelor of Commerce from Griffith University, and a Diploma of Financial Planning (RG146 Compliant).

With 20 years’ experience in the fixed income market, Emily helps PCT clients unlock new fixed income opportunities and develop solutions suited to their needs.

Prior to joining Perpetual Corporate Trust, Emily worked on the ‘sell side’ of Fixed Income Global Markets, across Debt Capital Markets including primary and secondary bond and credit issuance, derivatives, cash products as well as the debt markets exchange platform Yieldbroker (Tradeweb).

Emily is a highly-respected client relationship manager with excellent account management skills and an extensive proven track record in developing new business opportunities for clients.
 

Angela is an experienced financial services industry professional having worked in Financial Markets for over 25 years both in Australia and the UK. She has held roles at the major Australian Banks as well as UBS, Merrill Lynch and Goldman Sachs

In her previous roles, Angela provided fixed income investment products and services to a diverse client base of investors. These ranged from Australian Deposit-taking Institutions, Not for profit organisations, local government entities, fund managers and high-net worth individuals.

In her role at Perpetual CT Markets, Angela provides specialist facilitation services across a range of fixed income products ensuring best execution for clients. Angela also oversees many of the firms’ advisory mandates ensuring compliance guidelines are met and monitored.

Angela holds a Bachelor of Business in Economics and Finance from RMIT University.

Brad has over 14 years of financial markets experience gained from his roles within National Australia Bank Markets business and four years at Perpetual CT Markets as an Investment Specialist and Broker.

Brad is an investment specialist with expertise across asset classes including term deposits, government bonds, senior debt, subordinated debt, hybrid securities, corporate high yield, RMBS and ASX listed products.

As a Senior Investment Manager with Perpetual CT Markets, Brad is responsible for managing client investment portfolios which includes day-to-day investment decisions and market oversight. He is also part of Perpetual CT Markets' investment committee where he helps in the development of clients’ investment policies and strategies. Brad also works very closely with the Banks to help raise debt for their ongoing liquidity books, this assists Laminar clients on both the buy and sell side of the transactions.

Brad joined Perpetual CT Markets in November 2018 and brings a wealth of investment management expertise and client relationships across a broad segment of the market. He has a Bachelor of Arts from La Trobe University and a Bachelor of Business (Banking and Finance), from Victoria University.

Hayley has over 20 years in the Banking and Finance Industry, making her a highly experienced Relationship and Portfolio Manager. Prior to joining Laminar, Hayley spent 10 years in the Money Markets team at Bankwest. Her primary responsibility was to fund the business bank through money market products while maintaining a strong focus on superior customer service.

Hayley has developed and maintained long standing customer relationships within a variety of sectors including Australian Deposit-taking Institutions, Not for Profit Organisations, Local Government Entities, Fund Managers and High Net Worth individuals, while ensuring clients meet AML/CTF compliance obligations.

Hayley is highly driven and motivated to deliver operational excellence through a combination of effective communication and a value driven approach.

Hayley has a Bachelor Degree in Business (Finance and Economics) from Swinburne University of Technology, an Associate Diploma in Business Law, is RG146 compliant and holds a Lean Silver Certification in Operational Excellence.

Andrew has over 30 years’ experience in Financial Systems, Project Management, System Design and Build, Implementation and Support, Systems Sales and Account Management.

Andrew has a wealth of knowledge across many sectors of the financial markets. As Perpetual CT Markets' Head of System Integration, Andrew operates across many aspects of the business, to ensure its systems and future direction are clearly aligned with market expectations, regulatory requirements and most importantly, at the forefront of technology – all the while enhancing the user experience.

Andrew honed his skills in the early days at KPMG in their Treasury Systems delivery team. He then moved into the corporate environment and was able to apply this knowledge working for various large, domestic and international organisations, including Platinum Software, Integrity Treasury Solutions, Grange Securities, Lehman Brothers, SunGard Systems and more recently at FIS, where his Account Management responsibilities over 12 years included working with Financial Institutions, Banks, large Corporates and a wide variety of Government entities across Australia and New Zealand. His key roles involved replacing legacy systems, streamlining treasury operations while increasing the footprint across multiple product streams.