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Management team

  • Uday Sareen

    Uday Sareen

    Chief Executive Officer

    Uday Sareen is the CEO at ING Bank Australia, since June 1, 2016.

    Uday started his banking career with Citibank in 1994 before joining the ING Group in 2007 in India as Country Head, Retail Banking at ING Vysya Bank. Over the next five years Uday steered the retail bank turnaround across Deposits, Loans, Business banking & Wealth management, along with driving national expansion with creation of 120 branches.

    In 2012, Uday was appointed Chief Strategy Officer at ING-DiBa in Germany based out of Frankfurt, where he was responsible for the strategic direction of the bank; and returned to India in April 2014 as Deputy CEO and Head of Wholesale Banking at ING Vysya Bank based out of Mumbai. Following the merger of ING Vysya Bank with Kotak Mahindra Bank in 2015, Uday was appointed President at Kotak Mahindra Bank with responsibility for integrating the ING Vysya Retail Banking business into Kotak Mahindra Bank.

    Uday holds a Bachelor of Engineering (Hons) degree in Electrical & Electronics and a Master of Science (Hons) Economics from BITS, Pilani, India; along with an MBA from the Faculty of Management Studies, University of Delhi.

  • Michael Witts

    Michael Witts


    Michael joined ING Bank in 2009, and is responsible for the funding and liquidity management for the Bank. In addition, he is responsible for the capital markets activities of the Bank including public debt issues and the securitisation activities.

    Prior to joining ING Bank, Michael held various roles in treasury, derivatives and liquidity risk management, at domestic and international banks including Macquarie Bank, Deutsche Bank and the Commonwealth Bank.

    In addition, to his extensive experience in Australian financial markets, Michael has worked in both Tokyo and Frankfurt, managing the pricing and risk management of derivative and funding transactions, and overseeing staff in dealing, marketing and middle/back office functions.

    Michael holds a Bachelor and Master of Commerce degrees in Economics/Finance from the University of New South Wales. He is a Senior Associate of the Financial Services Institute of Australasia (FINSIA); a Certified Finance and Treasury Professional (Senior) of the Finance and Treasury Association (FTA); and is a Graduate of the Australian Institute of Company Directors.

  • Melanie Evans

    Melanie Evans

    Head of Retail Banking

    Melanie Evans is Head of Retail Banking at ING Australia, with responsibility for customer experience, distribution, product, marketing, digital, contact centres and business lending.

    Melanie started her career with St.George Bank in 1995, gaining experience in product management before joining Westpac's broking arm as Product and Marketing Manager.

    In 2003, Melanie moved across to BT Financial Group where she spent almost a decade in senior leadership roles encompassing product, brand, marketing, superannuation and retail investments. She then returned to retail banking within the Westpac Group, leading teams across the mortgage, transformation and business banking units.

    Melanie is a strong proponent of digital transformation, and its impact on delivering an exceptional customer experience. In the area of leadership, she spends her time focused on developing a diverse range of leaders from many backgrounds.

    She holds a Masters in Professional Accounting and a Masters in Commerce from the University of New South Wales, and has completed the Australian Institute of Company Directors course. Outside of work, Melanie is a mother of two and volunteers her time as an independent director of Surf Life Saving Australia.

  • Aniruddha (Ani) Paul

    Aniruddha (Ani) Paul

    Chief Information Officer

    Aniruddha (Ani) Paul is CIO at ING, Australia.

    With more than two decades of leadership experience in business, technology and operations, Ani's background encompasses IT driven business transformation and re-engineering in banking, insurance, application development and maintenance, and product development.

    Prior to this, Ani was CIO at ING Vysya Bank (now Kotak Mahindra Bank) in India, starting in 2007 and leading the Tech, Data and Transformation office across retail, private banking, corporate banking, financial markets, credit & market risk and support functions, and managing a network of 600 branches.

    Between 2000 and 2007, Ani was Managing director of Cerulean - a software programming firm supplying e-business services to the global marketplace. Ani led the business to profitability and growth before joining ING.

    Prior to this, Ani worked for several years at Citibank, where he played a key role in the launch of the bank’s first digital banking initiative, comprising internet banking, touchscreen kiosks, interactive voice response and India’s first debit card.

    Ani earned his MBA from the Indian Institute of Management, and his engineering degree from the Indian Institute of Technology. He is a sought after speaker and panellist, participating regularly at international forums, and his digital work has been featured in several global case studies.

  • Adriana Sheedy

    Adriana Sheedy

    Executive Director, Operations

    Adriana Sheedy is the Executive Director, Operations at ING Australia. In her 19 years' experience in Retail Banking she has held various roles across Operations, Risk Management & Compliance as well as Training & Development.

    Adriana oversees all operations for both the retail and wholesale banking business lines. Adriana is charged with transforming the bank's end-to-end operational processes to deliver industry-leading service with a specific focus on driving efficiency and improving customer satisfaction.

    Prior to Operations, Adriana has had extensive experience working in Operational Risk Management where she developed frameworks to embed a risk-aware culture across the organisation. Adriana also led a number of projects to not only ensure compliance with significant regulatory change including Anti-Money Laundering and Basel II but utilise these as opportunities to transform the business with innovative solutions.

    Adriana has extensive experience in leading people and developing high performing teams and has a strong focus on team and engagement.

  • Ulrich Heitbaum

    Ulrich Heitbaum

    Chief Risk Officer

    Ulrich Heitbaum is Chief Risk Officer at ING in Australia, appointed March 2017.

    Ulrich started his career in Germany, working first for Santander Bank before joining ING-DIBA in 2003 to establish the Retail Credit Risk Management function. Over the next few years, Ulrich's responsibilities broadened to include institutional credit & operational risk management, and collections.

    In 2014, Ulrich became Head of Risk Management for ING-DIBA, responsible for credit, market, regulatory and operational risk. He was responsible for various projects among others: the Basel 2 accreditation for credit and operational risk, the German covered bond program and the risk management set up for the wholesale banking integration.

    The following year he moved to ING Group head office in Amsterdam as Co-Head of Corporate & Retail Credit Risk Management. There, he had overall responsibility for credit risk capital models as well as taking on the role of Global Head of Retail Risk Management.

    Ulrich has a Masters in Maths with Economics from the Rheinische Friedrich-Wilhelms-Universität, Bonn.

  • Fiona Monfrooy

    Fiona Monfrooy

    Executive Director, Human Resources

    Fiona is an accomplished, commercially focused HR leader and seasoned Executive Team Member with experience in organisational development, leadership development, talent strategy, employee engagement, internal branding, M&A, culture change, and organisational transformations in growth and cost challenged environments.

    In her role as Executive Director, Human Resources, Fiona reports to the CEO and is a key member of the ING Executive team. She is responsible for overseeing all Human Resources and organisational development within the business.

    Prior to joining ING, Fiona held positions with Yahoo7, Volante/Commander, Ticketek, Vodafone, and SBS Television.

    Fiona is a member of the Australian Institute of Company Directors and Australian Human Resources Institute, holds a Masters of Management (Distinction) with the University of Technology, Sydney, and holds a Professional Diploma in Human Resource Management from Deakin University.

  • Alan Lee

    Alan Lee

    Chief Financial Officer

    Alan is an experienced banking executive having worked for over 20 years across retail, wholesale and investment banking organisations in Australia, Asia and Europe.

    In his current role as Chief Financial Officer Alan is responsible for ING in Australia’s strategy, planning and ensuring the bank achieves sustainable financial performance. He remains accountable for the management and financial accounting functions, procurement and taxation.

    Alan has more than 18 years’ experience at ING working across finance, risk management, operations and internal audit.

    In 2011 Alan spent 12 months working in the ING Head Office based in Amsterdam before relocating to Singapore. In 2014 Alan was appointed the Asian Regional Chief Financial Officer of ING Wholesale Banking where he was responsible for finance activities across 13 markets in Asia. In January 2016, Alan returned home and commenced his role as Chief Financial Officer at ING in Australia.

    Alan started his career with PWC and holds a Bachelor of Commerce degree from the University of Queensland. He is a member of the Institute of Chartered Accountants in Australia and NZ and is also a certified Internal Auditor.

  • Charles Ho

    Charles Ho

    Head of Wholesale Banking

    Charles is responsible for ING’s Wholesale Banking activities in Australia. Charles joined ING in 2008 in Singapore as part of its regional Utilities & Infrastructure team where he was involved in a wide range of structured finance and debt advisory deals across the Asia Pacific region. In 2013, Charles moved to Sydney to establish the Utilities & Infrastructure team in Australia.

    Prior to ING, Charles worked with DBS and Citibank in industry coverage and lending roles where he built up key experience in lending, capital markets, and financial markets. Charles has more than 17 years of experience in the financial services sector with Citibank, DBS, UOB, Ernst & Young and ING covering project finance lending, debt advisory, client coverage and client advisory roles.

    Charles holds a Bachelor of Engineering in Mechanical Engineering, from Imperial College and is a FCA with the ICAEW.