David Brown joined Heartland Bank as Chief Risk Officer in 2021 when it was previously known as Challenger Bank. Following Heartland’s acquisition of Challenger Bank in 2024, David continued in his role as Chief Risk Officer, where he brings more than 30 years of banking experience to the business. David has held multiple senior positions in the finance sector including six years at Deloitte Australia as Principal, Banking Risk – Assurance and Advisory, National Australia Bank as Head of Risk Development and Credit Risk Capital, and Head of Credit Risk Portfolio Analysis and Credit Performance Management at ANZ. David is a Certified Practising Accountant with a Bachelor of Business, Accounting and Finance from RMIT University. He also holds a Master of Applied Finance, Banking and Finance from Melbourne University.