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Carmen O'Neill is an experienced banking professional currently serving as Business Optimisation Manager at Heartland Bank LTD since July 2021, following a role as Business Enablement Manager where leadership across five Business Units was a focus. Prior experience includes serving as Relationship Manager at Heartland Bank and multiple positions at Westpac from 2012 to 2018, including roles as Business Development Manager managing large teams of Mortgage Advisers and National Accreditation & Training Manager. Carmen's career also includes branch management and business development roles at SBS Bank and ANZ, along with co-ownership of Kiwi Undercar Ltd, demonstrating a strong track record in team leadership, client relations, and organizational growth strategies. Carmen completed education at Strategi Institute and attended Dunstan High School and Moreau College.