John Williams

John Williams

Chief Executive Officer

MBA, GradCertBus, AssocDipAppSc, AssocDipEng(Elec), FACS, FIML, GAICD

John has over 30 years’ experience in retail banking. He has held executive roles at Heritage Bank and has been CEO of a financial services technology company. He has also owned a financial services management consultancy business.

John believes strongly in the mutual banking model and has held Board roles in technology, payments and shared services companies supporting the customer owned banking industry. He is deeply involved in the community and is a White Ribbon Ambassador.

John has a passion for leadership and the development of people to deliver outstanding customer outcomes. He was awarded a Medal of Management Excellence by the Institute of Managers and Leaders.

sally-anne cumine

Sally-Anne Cumine

Deputy Chief Executive Officer

BBus (Acc/Fin), DipMgt

Sally-Anne has an extensive history with mutuals, working in the industry in strategic, accounting, treasury and IT roles for over 20 years. Sally-Anne was recognised early in her career as the 2003 Emerging Leader of the Mutual Industry. Sally-Anne has, and continues to, share her financial expertise with local and international organisations. Having been raised and educated in the Northern Rivers, with time spent in Sydney for work and university, her passion and commitment is to seeing the continued growth and success of our region.

donna kildea

Donna Kildea

Chief Operating Officer


Donna joined Summerland in 1999 when she took a position on the Board of Directors and in 2003 assumed the position of Chief Operating Officer. Donna is passionate about human resource management and takes great pleasure in supporting staff in reaching their full potential, being a mentor to many. Donna is actively involved in the local community holding a number of key positions, including as Board Member of the Northern Rivers Conservatorium of Music and leadership positions in Toastmasters.

Susie Palmer

Susie Palmer

Chief Financial Officer

BBus, BIntBus, CA

Susie joined Summerland in 2013 having moved to the Northern Rivers from Sydney. New to the banking and finance industry at the time, Susie has brought a high level of energy and breadth of experience to the organisation, particularly to the Finance and Treasury functions of Summerland. Susie’s career includes time in multinational professional services and in the wine industry. Susie’s passions include team work, sport, food and wine.

David Ure

David Ure

Chief Growth and Customer Experience Officer

DipMgt, GradCertCorpMgt, AssocDipBus

David has 35 years’ experience in retail banking, the last 25 years in senior leadership positions, with a career spanning across several different financial institutions. David brings a diverse set of skills to Summerland providing leadership to large teams in the Contact Centre, National Broker distribution and Branch Network.

David is a passionate people leader who believes that building diversity and enhancing strengths, whilst demonstrating integrity and strong set of values, is the keystone to success.

Adrian Watkin

Chief Risk Officer

BSc (Eng)

Adrian has nearly 40 years experience in financial services, predominantly in retail banking. Having undertaken a wide range of senior risk management roles in various organisations in Europe and the Caribbean, Adrian moved to Australia in 2008.

Adrian relocated to the Northern Rivers and joined Summerland in November 2021, having most recently been head of Credit Risk for digital start up bank 86 400 in Sydney.

Adrian relishes the opportunity to work with diverse teams and support the development and growth of individuals with them.

The Board

Meet the Summerland Board of Directors.


Corporate conduct and disclosures.


Interested in joining the Summerland team?


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