Neil Gamble

Contact me

Phone (in Australia) +61 467-681-737

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I have spent my career helping companies formulate results-oriented business strategies in which technology plays a central role, and achieving better business results by improving their ability to leverage technology.

Expertise includes:

  • Strong technology management skills matched with an excellent understanding of business

  • Building and leading cohesive teams

  • Strategic planning

  • Leading change through technology

  • Effective communications skills

  • Consistently successful execution of multiple, concurrent projects

  • Best of class mindset


Senior technology executive with over 30 years of global experience in management and automation technology. CIO of banks in emerging markets; former leader of SE Asia credit card and payment solutions in IBM; program manager in the HP services organization.

Broad background in Information Technology, Systems Development and Process Re-engineering. Skills include building and leading teams through periods of ambiguous management; creating state-of-the-art self-service banking applications delivered via both branch and remote channels; transforming legacy systems to high levels of technology innovation; and managing multi-million dollar budgets. Background provides the skills and experience necessary to communicate and collaborate effectively at the policy level.

Employment History

(Scan for contact information)
2019 - now

the RUNR Organisation

Managing Director & Banking IT Consultant


Major assignment is consulting on the implementation of the REPS project for the Bank of Papua New Guinea (BPNG).

REPS (Retail Electronic Payment System) is a part of PNG's National Payments Strategy to implement a national switch enabling an equal playing field for all organizations wanting to offer payments in the retail environment.  This includes banks, Savings & Loans, telcos and others who meet the criteria defined by the central bank (BPNG).

The system went live in July 2019 and processes 1 million transactions per month on ATM & POS channels. The next target is processing transactions using mobile networks.

2010 - 2019

BSP (Bank South Pacific)
Head of IT
Port Moresby, PNG


Responsible for the Information Technology of the bank. BSP is the largest nationally owned bank with 50+% market share of both loans & deposits.  The Group has significant bank businesses in PNG and 6 countries in the Pacific.  In most of these locations the economy wouldn't function without BSP.  In PNG it maintains 88 branches, an agent network, 300+ ATMs and 8,000 POS terminals.  While competitors have closed unprofitable branches in PNG BSP has maintained them as a part of the bank's social responsibility within the country.  With over 1.2 million customers BSP embarked on penetrating the unbanked market by sending teams to remote areas using its award winning (tablet based) mobile banking solution that performs account opening and financial transaction processing anywhere we can get a 2G phone signal.

I aligned the IT organization with the bank's business strategy and delivered substantial improvements in services.  In a short period of time I built an outstanding Leadership Team and developed a Vision to guide the 150 IT staff.

Significant achievements were:

  • For item processing, migrated from manual exchange of physical checks to full truncation in a single step (a central bank initiative in which BSP was a primary mover)

  • Introduced USSD Mobile Banking which provides a new revenue channel for the bank and increased monthly transactions from 200,000 to 3+ million per month
  • Launched a smartphone app (available on iOS & Android platforms)
  • Implemented SMS Alerts as the foundation of 2 Factor authentication and to inform customers of account activity
  • Upgraded both Retail and Business Internet Banking systems, including eStatements, eliminating a major headache because the post office in PNG does not deliver mail except to PO boxes. BSP's Corporate banking also includes market leading FX and relationship capabilities
  • Implemented real time transaction fees to improve transparency for customers
  • Supervised the construction of two modern data centers to provide resilience for the business.
  • Upgraded all primary bank computers -- iSeries, Stratus and blades
  • Migrated a significant number of systems to VMware
  • Upgraded and expanded the SAN based on 3PAR technology
  • Consistently delivered 99+% availability for all 24/7 customer facing systems
  • Introduced mobile carrier-based links with remote branches -- a significant challenge in PNG -- increasing bandwidth from 128K to 2Mbps in all branches
  • Commenced exclusive use of a dark fiber ring in the capital city (Port Moresby) area
  • Constructed & operationalized a NOC for monitoring endpoints
  • Implemented a new Treasury system integrated with core banking and remittance systems
  • Implemented a new system for inward and outward remittances across the bank
  • Launched a corporate card using MasterCard -- making BSP the first MC issuer in PNG
  • Provided Acquiring functionality on ATMs and POS devices for all card types -- Visa, MC, Union Pay International, local PNG banks and Pulse
  • Implemented EMV card issuing and acquiring
  • Provided the technology to launch chip cards for both Issuing and Acquiring in both POS and ATM channels. This is in PNG and progressively implemented in other countries in 2018-19.
  • Took over IT functions in 5 Pacific countries without increasing staff levels either in head office or in-country, providing improved service levels to each

2007 - 2010

HP / EDS Australia
Senior Program Manager
Sydney, Australia

Assigned into the financial services practice working in a cards processing utility, covering both Issuing & Acquiring functions, processing approximately 25% of the credit card volumes in Australia.

Managed an M&A assignment integrating a WA entity into Bank of Queensland.  In this role I was responsible for all EDS transition activities -- infrastructure, branches, call centre, applications and BPO.

Major involvement in a project to replace the "Intelligent Network" component of a mobile phone company in Australia.  I led a team of onshore and offshore resources to ensure the new system's performance met expectations.  I then initiated deployment activities to move the system into production mode and start account migration to the new system.

the RUNR Organisation

Managing Director

Wellington, NZ

2005 - 2007

Major assignment was a fulltime role in Westpac NZ as IT Program Manager. The 'IT Projects' program was accountable for Westpac's IT infrastructure, ensuring the legacy environment was able to cope with the multi-channel demands of the new banking world and it was upgraded to meet current & future transaction needs in a cost effective manner.  The program budget was $15 million out of a total bank IT project spend of $50 million.

The role was contracted by Westpac to the RUNR Organization until it was successfully transitioned to IBM as an extension of their outsourcing work at the bank.

2002 - 2005

Business Consulting Services (Associate Partner)
ASEAN, based in Bangkok, Thailand

Focus on consumer banking services in ASEAN with special focus on credit cards and payments, with additional sales and project activities in China.  Involved in all aspects of the business development cycle and successful delivery of innovations to customers.  The major success during this period revolved around the sales cycle and subsequent business consulting in the establishment of a credit card business for the Bank of China in PRC. (The implementation occurred during the SARS crisis, leading to difficult conditions for client contact and interaction, ultimately dictating the movement of all project resources -- both IBM & BOC -- to a residential facility outside of Beijing to continue the project.)

Capital One

1999 - 2001

Capital One Financial Services
Bank Business Information Officer (Division CIO)
Richmond, VA

Responsible for banking technology, its integration with the company's overall technology plans and moving from traditional Host processing to an e-commerce environment. My focus was threefold -- 1) delivering technology for new products; 2) creating customer service in multiple delivery channels; and 3) providing error-free processing for the rapidly growing deposit portfolio.

During business strategy development Bank IT associates were kept motivated and committed by using R&D efforts to make a head start in the Internet servicing area, involving them in payment-related e-commerce projects (P2P) and investing in their skills development. This resulted in the Internet-based system that Capital One used for banking at the launch of online servicing and the business rules it employed were later used in the IVR system -- a good example of object oriented development.


  • Instilled an identity into Bank IT associates

  • Supported the growth in deposits from $400 million to $8 billion in 4 years

  • Launched CD and money market account applications on the Internet, in October 1999

  • Launched Internet servicing for bank accounts, in January 2001

  • Developed IVR servicing system using shared business rules

1996 - 1998

Bank Papan
Chief Information Officer
Jakarta, Indonesia

Provided systems architecture vision that positioned the bank for rapid growth using leading edge delivery systems and e-commerce applications. In pursuit of the company's dual goals of transforming the bank into an innovative retailer of financial products & services and expanding its market share through remote delivery channels, I migrated the bank's automation systems to a technology platform reflecting the organization's customer-driven service quality objectives, established a team of creative personnel to guide systems development, and leveraged third-party resources to cost effectively achieve the automation vision.


Achievements of Vision

  • Mortgage loan origination system using an Intranet, direct sales agents and call center operations

  • Internet banking using an outsourced web presentation layer

  • Object oriented Delivery System using one set of business rules to address multiple delivery channels with legacy application systems

  • Bank-wide Intranet capability

Change Management

  • Relationship banking facility, providing consolidated statement and relationship service charging

  • Outsourced data center operations

  • Converted home-grown loan management and GL systems to internationally recognized software packages

  • Enabled 24-hour call center service and voice activated response unit for retail banking and credit card operations

  • Implemented debit card management system for the bank's ATM cardholders and created nationwide access for customers

  • Implemented a packaged solution for managing customer defaulted loans

1984 - 1996

Citibank N.A.
Project and Regional Management positions

Global Retail Banking
New York, Belgium, Singapore, Japan, Indonesia and Thailand

Technology Relationship Manager, representing all Asia Pacific Citibank (consumer) banking groups, and held position as Regional Systems Manager, Southeast Asia Region. Responsibilities included managing new system installations throughout the Region and providing training to country personnel in the use of implemented systems. Other corporate positions during Citibank career included: Systems Development Manager, Citibank Indonesia; Requirements and Relationship Manager, International Systems Department in New York; and South Asia's Regional User Support Manager.


  • Provided user support for the first Asia Pacific implementation of the bank's Retail Banking System (Japan, 1986-87)

  • Developed programs for enhancing, testing and packaging the bank's multi-currency banking package to meet international retail banking requirements (New York, 1988-90

  • Directed the technology integration of two acquired banks into one Belgium, 1990-91)

  • Managed all aspects of the bank's retail banking applications development and maintenance (Indonesia, 1991-94)

  • Relationship Manager for the effort of centralizing all Asia Pacific banks onto a common technology platform (Singapore, 1995-96)

1977 - 1984

Project Manager and Senior Technical Analyst
Singapore, Australia and Malaysia

Managed the development of multiple strategic system plans and supervised many high-level automation system implementations.


  • Developed strategic system plans used in the following Australian industries: print media, brewing, retail distribution, banking, building, shipping and local government

  • Designed and controlled the Savings Account and Savings Lottery systems of Bank Simpanan Nasional (the National Savings Bank of Malaysia)

  • Implemented a system to manage plant maintenance programs at one of Indonesia's largest gas liquefaction plants


Bachelor of Economics (BEc) 1978

University of Sydney, Australia