An Exceptional Team
There’s nothing like experience. Our key personnel are all highly regarded and highly motivated. Many have worked in the sector for over 20 years – and with that comes a rare knowledge gleaned from living the daily challenges. Add to that the fact that our teams have remained together, love their work and champion their clients, and you have a winning combination.
Executive Team
Matthew Holani
Managing Director
Matthew has worked in financial services for over 30 years. He has thrived in a diverse variety of roles covering many facets of financial services. He draws great satisfaction from helping customers and staff succeed.
Stephen Lukic
Director
Steve has been consulting for more than 20 years in Information Technology, Business and Financial Services, including over 15 years in cards, payments and transaction switching. Steve has a proven track record in delivering growth and transformation projects for large financial institutions and retailers for markets in Australasia, Asia, Europe and North America.
Sharnie Brown
Operations
Sharnie enjoys her role as Operations Manager, working with the C Smart team and our clients to help ensure the unique expert services and culture of the business is clearly presented in everything we do. She's been with the company since its inception 19 years ago.
Teresita Cruz
Principal
Teresita brings many years of IT experience to C Smart International. Throughout her career she has worked in a variety of business applications mostly in the financial sector. Over time, her role has progressed from system development to solution design, to her current role of managing a global delivery team for a client.
Sandra van der Walt
Principal
Sandra has worked in the financial services industry for over 20 years, specialising in cards and payments and holding various positions across numerous Financial Institutions in both Australia and South Africa. She enjoys working within teams and ensuring the successful implementation of strategies and initiatives.
Barry Hayes
Principal
Barry has extensive experience in the financial service industry including many years within cards and payments. He has held key roles in a large number of Australian and overseas organisations. Barry has played leading and integral roles in large and complex projects. On an early morning, you might find Barry with his son and daughter, surfing a break on one of Sydney's beaches.
Advisory Panel
Bill Ruch
Advisory Panel
Bill is an accomplished senior executive with extensive experience in General Management, Program Delivery Management and Operational Services Management in real-time, payment transaction processing environments. Bill has specialised knowledge and experience in bank card and public transport payment systems.
Richard Kernahan
Advisory Panel
Richard Kernahan brings world-class skills and decades of experience in the design, development, and deployment of enterprise web applications, with a focus on payments and digital banking. Based in Sydney, Richard's current focus is the emerging peer-to-peer payments environment in Australia.
Doug Kilburn
Advisory Panel
Doug has over 25 years experience working for management consulting firms, investment banks and retail banks in the UK and Australia. A results driven leader of global development, transformation, strategy and stability programmes.
Consulting
Krismas Ugay
Recruitment Officer
Kris is responsible in reviewing job descriptions and sourcing qualified candidates through company networks, social media, and advertising channels. Skilled in screening CVs, conducting interviews, and assessing candidate suitability for client requirements. Proficient in preparing and formatting candidate profiles and client-ready skill summaries.Experienced in building and maintaining recruitment networks across the Philippines, Australia, and other international markets.
Rosanna Cabungcal
Talent Management
Rosanna is a Talent Management and HR Business Partner professional with experience in workforce management, career counselling, graduate programs, and offshore-onshore project delivery. Passionate about people development, NGOs, and empowering individuals with special needs through inclusive initiatives.