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Justin Watts is an experienced risk management professional currently serving as the Chief Risk Officer at Defence Health Ltd since October 2019, where responsibilities have included acting as Chief Risk Officer and leading risk and compliance initiatives. Prior to this role, Justin served as Head of Risk at Bupa for a brief period in 2019. Additionally, experience includes a managerial position at APRA from February 2012 to March 2019, overseeing a portfolio of financial services institutions, as well as earlier roles as a Financial Analyst and Project Officer at Endeavour Foundation. Justin holds a Master of Applied Finance from Macquarie University and a degree in International Business/Commerce and Economics from Griffith University.