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John Harries is Managing Director of Banking Products. He is responsible for ANZ�s consumer transaction and savings products and the Banking Products Distribution business. John was previously General Manager, Retail Mortgages Australia, where he developed a leading mortgage product range. He oversaw record growth and sales in 2003 for ANZ�s Australian mortgage products. Before this he was Head of Marketing for Mortgages and National Manager, Consumer Marketing. John was previously Head of Marketing from 1988 to 1996 with Town & Country Building Society in Western Australia. This integrated financial services and property business was acquired by ANZ in 1990 and ran independently until full integration in 1999. From 1982 to 1988, John held a number of senior positions with Perth Building Society/Challenge Bank Group. During this time, he was responsible for managing the conversion of Perth Building Society, Hotham Building Society, Trade Credits Ltd and National Permanent Finance Corporation into Challenge Bank. John holds a Bachelor of Commerce from the University of Western Australia and is a former member of the Chatham Primary School Education Committee. | 