The ReCap Summer Edition 2017 - "ReCharge"

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Volume 9 Issue 3 | 2017

the recap Summer Edition

Market Recap Yu Ann Chin

student article Sydney's Natural Gems Carolyn Tran

Exclusive Interviews with Sponsors





2 President's address

Ashley Chen & Lily Zhang



Tatiana Malyugina

3 Meet the executives

10 EY

4 market recap

12 PwC

Vianna Pan & Lauren Maxwel

Yu Ann Chin

5 student article - sydney's natural gems Carolyn Tran

6 Bank of america merrill lynch Priyanka Krishnamoorthy

7 Citi

Stella Choe

8 Commonwealth Bank Jessica Mitchell

Kelly Slemon

Ming Zhang

13 Uber

Kimberly Shea

15 UBS Jaclyn Ying

16 Westpac Ranie Nguyen

17 end of year review Carolyn Tran & Yu Ann Chin



Dear Capital W Members, Another year has flown by and what a year it has been! Capital W celebrated our 10th anniversary by holding our largest ever International Women’s Day Breakfast and Annual Dinner. Hearing our members, we expanded our events offering to include entrepreneurship focused events such as The New Wave Speaker Series and Pre-Accelerator Program (a collaboration with UNSW Innovations). We also partnered with various societies to bring you fresh events such as the Meet the CEO: Susan Roberts workshop on alternative investments and the Diversity in Finance panel. Each year, we aim to bolster our efforts to empower, educate, and inspire tomorrow’s female business leaders. Hence, to everyone who has joined us in this mission, whether it be as an event attendee, volunteer, partner, or sponsor, we would like to express our sincerest gratitude. Capital W would not be as successful as it is today without you, and we hope to continue our relationship into the future.

To our valued members, as we enter the summer break, we hope you take the time to reflect on the past year, recharge, and return in 2018 ready for a spectacular year. Think about what worked this year, and set realistic and measurable goals to help you achieve what did not go so well. Try something new, develop your extra-curricular interests, spend quality time with family and friends, travel, read an inspiring book, or acquire some work experience to put your university studies into practice. Whatever you choose to do this summer, we hope it helps you grow and become an even more assured version of you! Read on for advice from our sponsors on how they recharge and remain motivated to pursue their goals. To our graduating members, congratulations and we hope that Capital W has helped set you up for this next stage in your life. To our returning members, we cannot wait to see you again in 2018 and share the exciting year we have planned for you. For now, we hope you have a rewarding summer that sets the tone for the new year!





Australia The Australian economy grew 0.8% in the June quarter in line with projections of gradual improvement over 2017. Governor Phillip Lowe identified improving global economic conditions, strong domestic employment growth and steady expansion on the home front. The AUD has appreciated since the beginning of the new financial year. The strength of the dollar is expected to subdue expected output and inflation in Australia than what is currently forecast. Household debt remains one of Australia’s key domestic risks - financial institutions have responded by tightening lending standards, particularly for property investment to build resilience in the medium to long-term.

China China’s GDP increased by 6.9% yearon-year in the first half of 2017. Increased spending on infrastructure and property construction have continued to support growth in the Chinese economy. The RBA identified elevated risks levels in China as a result of large corporate debt and the availability of less regulated ‘shadow banking’ channels. Improvements have been made through recent regulatory reforms, tightening financial regulations and credit conditions. While this has stemmed corporate debt growth, household debt has increasingly grown.

The materialisation of financial risks could directly impact Australia due to close trade links.

USA The US economy experienced 3% annualised growth in the third quarter of 2017 due to steady consumer and business spending. Stronger economic conditions have led to a higher cash rate of 1.25%, reflecting greater confidence in the US economy. Prior to 2017, the Federal Reserve had only elected to increase rates twice. The unemployment rate in the US hit a historic low of 4.1% as the Labor Department announced the addition of 261,000 new jobs at the end of October. These figures reflected performance above expectations, given the slowing impact of Hurricanes Harvey and Irma on economic activity.


Despite four years of economic stimulus, Japan’s year-on-year GDP growth in the second quarter of 2017 only reached 0.6%. Japan’s economic policy continues to focus on boosting low inflation and long-term growth. In the October economic report, the Japanese government reported the economy was in moderate recovery. Government economic policy in Japan will likely look to strengthen the growth by focusing on small and medium-sized businesses, directing corporate profits towards investment, wage increases and improving employment prospects. 4


With the semester break now here, it’s time to ditch the desk and discover the natural gems that Sydney has to offer! Bondi to Coogee Walk This classic Sydney activity not only sports some of Sydney’s best coastal views, but is also very conveniently located near UNSW and Sydney CBD. Basser steps will have you well prepared for the steps that you will encounter on this 6 kilometre stretch. At the end of the walk enjoy ‘Chish and Fips’ at Coogee and take a dip in the women’s baths.

Wendy’s Secret Garden Opened up by Brett Whiteley’s wife to the public, this is one of Sydney’s hidden gems tucked in a quiet corner of Milson’s Point and overlooks some insane views of Sydney Harbour. Make a day out of it by driving down Blues Point Reserve which is a lookout point with uninterrupted views of the Bridge, or grab a cheeky feed at Celcius Coffee Co. which is located nearby at Kirribilli Wharf.

Manly Beach to Spit Bridge Walk Whilst Manly is only a short ferry ride away from Circular Quay, you’ll be quickly transported to a tranquil bushland where you’ll feel as though you’re far away from the bustling city environment. This walk incorporates both hiking trails, as well as incredible coastal views. There are plenty of small beaches along the way, and make a day out of it by having a picnic by the whilst overlooking expansive water views.

Karloo Pools I first encountered this beautiful creek while hiking on my Bronze Duke of Ed expedition back in high school. This is not as accessible as the aforementioned places, but it is a short one hour walk from Heathcote station which is down south near the Royal National Park! You can also enjoy a picnic feed here and also a dip in the creek if it isn’t too cold.


Exclusive Interview with Priyanka Krishnamoorthy Priyanka Krishnamoorthy Analyst in Global Investment Banking, Sydney Office What is your background? I am from Colombo, Sri Lanka but grew up living in five different countries. I graduated from Mount Holyoke College in the U.S. where I studied Economics and Mathematics. I started at Bank of America Merrill Lynch in New York in the Financial Institutions team, and moved to Sydney a year later. I’m currently a 3rd year investment banking analyst in the same team. What aspect of your current position do you find most rewarding? The exposure to high-level strategic thinking and Csuite executives who shape the broader business and finance landscape. I find it very rewarding to be merely 24 years old and participating in negotiations and discussions that shape the lives of companies, and the consumers they impact – I think it’ll be difficult to find this type of exposure in other industries. The theme of this publication is “ReCharge”. In striving for your personal or professional aspirations, what steps motivate you to stay on track? How I stay motivated to be on track is by focusing on what I'm learning and keeping in mind my end career goals. When striving for your aspirations, it's important to take a long-term view of what your goals are and evaluate if what you're doing right now contributes to that story and achieving those goals.

But also explore new jobs / industries you wouldn’t have considered before. I spent one summer working as a journalist for a national newspaper, and another working at a policy think tank. Step out of your comfort zone and try something new! If you go into anything with an open mind, you’ll come out of it with an enriched story that will make you stand out. What would you do if you could free up time to do anything, both personally or professionally? A personal goal of mine is to become a professional ocean swimmer. What has been the greatest challenge in your career so far? How did it motivate you or what did you learn from it? Not coming from a traditional finance background was a great challenge for me to overcome. Not only did it mean that I needed to sit down and ensure I understood the basics of financial accounting and valuation, but it also meant that I needed to build my confidence in relation to the technical part of the job. If you could say something to your 18-year-old self, what would you tell her? You won’t get every job, internship, programme or university you work hard and apply for, but it just means that there is something better that will come along for you. Resilience and persistence is a key part of success.

What advice can you give to students who are looking to be productive over the upcoming summer break? Definitely make sure you take a break during the summer – it’s important to put yourself first and take time out for your mental and physical health.


Exclusive Interview with Stella Choe Stella Choe Managing Director, Head of Corporate Bank

What is your background? During the 90s, I started out in New York at JP Morgan and went through their analyst training program. I started working in the High Yield Bond Origination area which was a great training ground because it was an incredibly active market, there was a lot of deal flow coming through which required a large amount of analytical work and intensity in terms of work hours. In 2000, I moved to London to help grow the corporate High Yield business and it was great to have the opportunity to move abroad with a large organisation. I think that was feasible due to having a language skill as I speak French. I moved into the Leverage Finance team. From there I was recruited by Morgan Stanley where I ultimately headed up their European Leverage and Acquisition Finance Syndication business, which effectively meant that I structured and distributed all of the event-related transactions across the region. When my bosses from MS moved to HSBC to build a global Leveraged and Acquisition Finance business, I was tapped to join them to help build the Asian LAF business and moved to Hong Kong in 2008 at the beginning of the GFC. I was subsequently asked to build an APAC Funds Coverage business within Global Banking and given how I enjoy growing businesses which have always been the prompt for me to move roles, I was very keen to take on the challenge and it was a highly successful endeavour achieving high double digit growth year on year. For family reasons, I moved to Australia and while it was very sad to leave the business I was building, I was lucky to find an opportunity with Citi to help them build and grow their Financial Institutions Group.

Recently I’ve been appointed as Corporate Banking Head. My high school and college life was dedicated towards the pursuit of humanitarian work. I worked at the UN in Geneva and other international organisations in Brussels. As I was finishing my last year at the University of Pennsylvania where Banks and Consulting firms recruit heavily, I thought it would be good to get some corporate experience and applied for a few different jobs. I got churned in for what I originally envisaged to be a 2-year stint but turned into very long hours for around 6 solid years. At this point I found myself in London with a career which I hadn’t intended, so I left my job and I went to go volunteer with UNICEF in Thailand for a year. After the year, I decided to go back into banking and thought I could come back and make more of a difference later with better skills and a better network. In banking, I solved problems for clients was learning all the time and this was an incredible experience. Often a lot of bankers who have done very well and achieved a lot typically want to give back in their later years. What helps keep you motivated in your challenging career? When you’re able to overcome challenges while working under a high stress and high pressure environment, it makes you feel so much stronger and in that feeling of strength you develop a quiet confidence. The more you overcome stress and pressure, the more the confidence builds inside you and that’s something that starts to permeate. If you were to say anything to a female student considering a career in financial services, what would you say? I think it’s a great industry for women, it’s an industry where I think women can really excel and having that slightly different female perspective can often work really well, especially in a very male dominated environment. In a lot of ways you stand out; your voice is twice as loud because it is different and often you can make a significant impact. 7

Exclusive Interview with Jessica Mitchell Jessica Mitchell Associate IT Analyst, CommBank Graduate of 2016

What is your background? I studied a Bachelor of Science in Information Technology at UTS and during my uni degree, completed a 9-month cadetship at Challenger. About six months later, I applied for summer internships and became a CommBank summer intern. The summer internship led to a graduate role. I’ve rolled off the CommBank graduate program two months ago and into my current role as an Associate IT Analyst. What aspect of your current position do you find most rewarding? My team is engaged when a team within the bank wants pen testing on their system/service/application. We interact with many different teams and are the translators between the pen testers (aka. ethical hackers) and the rest of the bank. It’s interesting to work alongside the pen testers and also the application security team, who oversee secure code development within CommBank.

For our younger students who may be looking to undertake an internship next year, how would you advise they prepare for the following year? Volunteer for things you are interested in or are related to your future job industry. I was always a shy person but through volunteering, you learn to get out of your comfort zone and pick up networking skills. What challenges or experiences would you like to take on in the upcoming year and how do you believe it will motivate or change you? Learning doesn’t stop after university – so next year my goal is complete a SANS course and brush up on my coding skills. It’s good to keep up to date with the industry you are working in and up skill yourself. If you could say something to your 18-year-old self, what would you tell her? It’s going to be okay. My biggest worry when I was eighteen was thinking if I was ever going to get a job. Sometimes you have to pick yourself up and keep going until you find the door that opens.

The theme of this publication is “ReCharge”. In striving for your personal or professional aspirations, what steps motivate you to stay on track? Professionally, I always try to keep on track by having post-it notes and a pen on hand to scribble down notes! Personally, time management – be on time to meetings and maintain a work-life balance (this includes sleep + catching up with friends and family).


Exclusive Interview with Tatiana Malyugina Tatiana Malyugina Analyst, APAC IBCM Debt Capital Markets

What is your background? In 2011, I moved to Australia from Russia to obtain a Bachelor’s degree in Accounting in Melbourne. It was a life changing decision that I’m so glad I made. After I completed my Bachelor’s degree, I went on to complete my honours at Monash University. Whilst my accounting studies provided me with a strong grounding, I wished to gain more exposure to transactions, which led me to become more involved in finance. My passion and studies put me on the right path to landing a job at Credit Suisse, where I’m currently working as a senior analyst. During my time with Credit Suisse, I’ve had the opportunity to work across multiple deals in the healthcare, retail, TMT and financial sponsor sectors. What aspect of your current position do you find most rewarding? My role at Credit Suisse provides me with exposure to experiences that I wouldn’t get in other industries. My favourite part of the role is seeing the evolution of a deal from a theoretical pitch all the way through to real life execution. I also feel incredibly fortunate to be part of high performing teams and grateful for all the opportunities that I have been given. The theme of this publication is “ReCharge”. In striving for your personal or professional aspirations, what steps motivate you to stay on track? I enjoy my work immensely, as well as working alongside my colleagues, which makes for a positive and supportive work environment. I have a goal to further advance my career – and that’s what motivates me.

Striking a work-life balance can be challenging. In what ways do your passions outside of work help you recharge both personally or professionally? It’s important to prioritise and to use time effectively, so you have more time to pursue your interests outside of work. You may be surprised how much better you are at your job when you let your mind and body work in different ways. I have many interests outside of work – dancing, music, theatre, sport and learning languages that help me to switch off and recharge. What advice can you give to students who are looking to be productive over the upcoming summer break? Get the most out of your time by getting out there and gaining some new experiences. Don’t necessarily limit yourself to things that relate directly to your future employment but think about other things that will make you a more well-rounded person. Learn a language, travel, volunteer – anything that takes you out of your comfort zone and exposes you to a different set of experiences. These diverse skills and life experiences will assist you with preparing for your future role. For our younger students who may be looking to undertaking an internship next year, how would you advise they prepare for the following year? It’s important to focus on your marks and experiences, both from a professional and personal perspective. Draft your resume and cover letter early and ensure to highlight your achievements. An internship with Credit Suisse works both ways: as much as we want to learn about you, we also want you to learn more about our business and understand whether it’s the right fit for you.


Exclusive Interview with Kelly Slemon Kelly Slemon Senior, Business Tax Advisory

What is your background? I am Canadian/American. I was born in Canada but I moved with my family to Dallas, Texas when I was young and have spent most of my life there. I received my Master in Professional Accounting from the University of Texas in 2014 and started working at EY in Dallas after graduation. What aspect of your current position do you find most rewarding? The group I am currently in at EY called Quantitative Services is small and growing so I have been provided with the opportunity to do some fun things I would never have thought I would get to do previously with an accounting/tax background, such as working with computer software engineers and creating marketing videos for our solutions. The theme of this publication is “ReCharge”. In striving for your personal or professional aspirations, what steps motivate you to stay on track? It is important to think of flexibility as earned, not given. I work hard to develop trust and prove to superiors that they can count on me so I can complete my personal goals as well. Everyone’s flexibility looks different. Your single girl date nights, workout classes and so on are just as important as someone’s child’s ballet recital.

Besides a conventional internship or job, look into volunteering, joining a book club, or learning an instrument to show future employers that you enjoy doing things outside of school. Also, it doesn’t hurt to be curious about what you enjoy doing and read up on current topics in the news so you can drop tidbits into conversations while networking. I subscribe to a daily email publication called The Skimm and listen to news podcasts like The Daily on my walk to work. News in small doses is much more palatable than trying to fit a whole newspaper into your daily routine. What has been the greatest challenge in your career so far? How did it motivate you or what did you learn from it? The greatest challenge so far in my career has been taking the leap and moving to Sydney on my own. Since living here I have not only developed unique skills in my job, but have grown stronger as an individual learning about different cultures and how to adapt to a completely new environment. If I didn’t take the risk, I wouldn’t have gained these valuable lifework experiences. If you could say something to your 18-year-old self, what would you tell her? Raise your hand! I would never have ended up on the other side of the world if I didn’t tell someone in more of a position of influence than me that I wanted to go abroad. Your twenties are for trying new things and learning as much about what you like to do as what you don’t. Also, your interviewer is a person too. Interviews become much less scary when you realise that the person across from you likes sports, goes to concerts on the weekends, and sat in the same position as you not (too) long ago.

What advice can you give to students who are looking to be productive over the upcoming summer break? Employers prefer well rounded candidates, not strictly students who are top of their class. 10

Exclusive Interview with Ming Zhang Ming Zhang Director of M&A Advisory, Leader of Cross-Border Transactions with China

What is your background? I am currently a Director of M&A Advisory and the Lead of cross-border transactions with China at PwC Australia. I started my career in banking in Canada. Over a 7-year period, I gained in-depth experience in the financial industry, from investment banking to pension fund investment, from treasury to credit risk management, from strategy to post close integration, and from wealth management services to insurance products. Due to my husband’s job change, I left Royal Bank of Canada in Toronto to join Microsoft in Seattle, where I sharpened my M&A experience throughout the end-to-end deal cycle, from strategy to post deal integration. Six years later, I joined GE’s Corporate Development team in Shanghai responsible for its inorganic growth in the great China region, very timely for me to be in the centre of the action and part of the exponential growth happening in China. Before joining PwC in Sydney, I also spent two years with Mercer Consulting in Shanghai as the Head of M&A Advisory. I obtained LL.B in China, and B.Com and MBA in Canada. I also hold the CFA and CFP designations. What are your passions within and outside of work? I love complex problem solving involving crossfunctional teams and client interaction. Solving important issues that are relevant to our clients and our society motivates me to keep learning and stretching myself. Outside of work, I love to learn and grow with my children. I love being a mom and enjoy growing with my children, like re-living a much more fun and enriched childhood I didn’t get to have, and becoming a better person through the journey of parenthood.

How do you balance work and life demands? Having 25 hours in a day would sure help! It moved me to tears when my elder child wrote in her HSC essay that “my Mom always said time is like water in the sponge, you can squeeze out more.” I wouldn’t say there is a balance, but I do believe there are choices. My family is my top priority, and my work substantiates my needs to feel intellectually stimulated and contributing to making a difference in our society. With my family’s support, I give myself permission to shift my priorities between work and family. Personal sacrifices are necessary and a supportive work environment is critically important. Deal work has a life of its own, often unpredictable and intense. It also has ebbs and flows, and I will not hesitate to take advantage of any down time to regroup. Living a busy life is a choice that my family and I have chosen. We cheer each other on to take on new challenges, either learning how to surf or playing piano; we understand each other when we need to shift priorities and make compromises, and we hold each other accountable to spend quality time together. Many organizations are now progressing to legitimize people's personal lives, i.e. work-family integration which strive to meet personal and business needs simultaneously, rather than demands the implied "trade-off" to be made. It will take time and collective efforts to achieve this dual agenda, but this will be the future. I am inspired by the book “Breaking the Mold" by Lotte Bailyn. What advice would you give to young people? Taking risks and embracing change will super charge one’s life. I thank myself each time when I leave my comfort zone to explore something new and challenging. Taking the pathless road has enabled me to gain global perspectives and deepen connectedness and purpose in work and in life. Over the past 20 years, I have lived and worked in four different countries, learned three languages and gained knowledge of multiple industries. Life is so much more enriched when we keep an open mind and a humble heart.


Exclusive Interview with Kimberly Shea Kimberly Shea Associate (Regional Operations Team)

What is your background? I grew up in Thailand and moved to Australia to complete my Bachelor of Commerce degree (in International Business and Economics) at UNSW. After my studies, I joined Uber’s first-ever graduate program and have now been an associate on the Regional Operations Team for Australia & New Zealand for over a year. What aspect of your current position do you find most rewarding? Having started as a graduate at Uber, I’ve found it very rewarding to be able to work on such a broad scope of projects and in a global, collaborative environment. From day one, we were exposed to a variety of initiatives including the launch of a new city, customer support, and event operations. A year later, the Regional Operations role has also allowed me to broaden my efforts further and work crossfunctionally with Product, Strategy & Planning and Marketing teams. Being a global company, learnings and best practices are also constantly shared with teams around the world, and it is particularly rewarding to have the opportunity to export your work to other markets, like Southeast-Asia. The theme of this publication is “ReCharge”. In striving for your personal or professional aspirations, what steps motivate you to stay on track? Both personally and professionally, I think it’s important to ensure that you’re always learning. What has truly motivated me in my career so far is knowing that I am constantly developing new sills and that I always have the opportunity to expose myself to new areas of the business.

Particularly when things are challenging, I stay motivated knowing that challenging projects or moments are when your learning curve is steepest. What advice would you give to students who are looking to be productive over the upcoming summer break? Try to do things that help you learn and develop new skills or knowledge, and don’t be afraid to step outside of your comfort zone. In my time at Uber, I’ve found that you often learn the most when you are outside of your comfort zone – and I wish I had done this more in university. Do something you’re interested in or will enjoy, spending a summer break working on something for the sake of being productive will never be as valuable or rewarding as working on something that you’re truly passionate about. A productive summer break isn’t limited to an internship; there are online courses you can enrol in, volunteer programs you can join, or even blogs you can work on. What has been the greatest challenge in your career so far? How did it motivate your or what did you learn from it? Transitioning to Operations at Uber, my role has been extremely different to my previous experiences in marketing, and there has been an endless number of things I was never exposed to. This was a challenge in terms of adjusting to and understanding new areas of a business, and developing new skill sets that I initially didn’t feel equipped to. This also taught me a major lesson: to actively stepping outside of your comfort zone and be open-minded in trying new things early on in your career, including in university. If you could say something to your 18-year-old self, what would you tell her? It’s always easy to play to your strengths, but it can be so much more rewarding to work on your weaknesses. I would encourage my 18-year-old self to identify my areas for improvement and actively work on turning my weaknesses into strengths. Your future self will thank you. 13

Figuring out your future? Let’s shape it together. You want to work with people who respect, understand and trust each other. You are responsible for what you do. You want to be challenged and challenge others in return. And you want to excel. If that sounds like you, then you might just have the right stuff to join our team.

UBS is proud to be an equal opportunities employer. We respect and seek to empower each individual and the diverse cultures, perspectives, skills and experiences within our workforce. Š UBS 2017. All rights reserved

Exclusive Interview with Jacyln Ying Jacyln Ying Investment Banking Analyst

What is your background? Although I was born in Australia, I spent over 10 years in Shanghai and returned to Melbourne after graduating from high school to pursue a Bachelor of Commerce (Finance and Accounting) at the University of Melbourne. Throughout my school years, I also had the opportunity to study overseas in the United States and Japan. At the start of 2017, I moved to Sydney and commenced work as an Investment Banking Analyst at UBS. What aspect of your current position do you find most rewarding? I believe the most rewarding aspect of my current position is the access to a wealth of knowledge and information available through my colleagues. It's a privilege to work with such high calibre and driven people. Despite their busy schedules, everyone is willing to take the time to teach and share their experiences with others. The job has a steep learning curve and many opportunities. I’ve been part of some incredible transactions which I personally find quite exciting.

Striking a work life balance can be challenging. In what ways do your passions outside of work help you recharge both personally or professionally? I work in a relatively fast paced environment with constant deadlines and deliverables throughout the day. A love of art and travel provide both a change in pace and environment, which definitely helps me recharge personally and professionally. For our younger students who may be looking to undertaking an internship next year, how would you advise they prepare for the following year? I found speaking to my seniors particularly insightful and helpful. Some seniors may have been through similar experiences and are in a good position to provide younger students with the most relevant guidance and advice. If available, it can also be helpful to attend company or networking events to gain exposure to the people and culture. Don't forget to ask yourself if you had fun and if you liked the people you met. This should hopefully shed some light on where you'll enjoy working the most. Otherwise, try reaching out to people via LinkedIn. If you could say something to your 18-year-old self, what would you tell her? Don’t get lost in the process and don’t lose sight of your goals.

The theme of this publication is “ReCharge”. In striving for your personal or professional aspirations, what steps motivate you to stay on track? Constantly considering “why” I am doing what I do. “He who has a why to live for can bear almost any how.” – Friedrich Nietzsche


Exclusive Interview with Ranie Nguyen Ranie Nguyen Global Transaction Services Graduate

What is your background? I am a graduate in the Global Transaction Services division in Westpac Institutional Bank. Before starting my graduate program I had completed my study in a Bachelor of Civil Engineering and Commerce with Honours at UNSW. I have had various work experiences from working on a construction site with Mirvac, Transport Modelling with WSP, and Investment Banking at Morgan Stanley before settling in Banking at Westpac. I really enjoy the flexibility to rotate in different teams during the course of a year to figure out where I would like to specialise and learn more about. There’s a lot of exciting things happening in the payment field and as such I am looking forward to being involved in highly impactful projects. What aspect of your current position do you find most rewarding? The most rewarding aspect of being a graduate is the empowerment the business provides. I am able to take responsibility, bring up ideas and make decisions which will be heard. It is not every day that a graduate can make that same statement and I am very grateful for the support. In addition I like the one team mentality that exists within Westpac. The ability to collaborate with like-minded people from diverse backgrounds and expertise to work on producing the best solutions for our customers. The theme of this publication is “ReCharge”. In striving for your personal or professional aspirations, what steps motivate you to stay on track? I am inspired everyday by the people in the business. The ones who love what they and do what they love,

motivates me to strive for opportunities that will develop me and allow me to learn. I regularly check in with my mentors to reflect on what I have accomplished throughout the week and how I would go about doing things better. When I do feel unmotivated I look towards setting goals and thinking about what the benefits of doing them are. It is a lot more productive to take some time to balance work with something you enjoy doing instead of overloading yourself with work. I find a good balance keeps the mind healthy providing you with clarity, and the drive to keep going. For our younger students who may be looking to undertake an internship next year, how would you advise they prepare for the following year? It is always important to show genuine interest in the organisation you are applying for. So in preparation it’s great to research but I would encourage those who are interested to do more, such as attend networking events and meeting with someone from the organisation. For a really great experience - look for an organisation that will align with your values. I cannot stress enough how vital it is, to be yourself and the authenticity will be the selling point. Internships are a great way to test the waters and understand the expectations that come from working in a specific industry or role. It is also an opportunity to see if the organisation is the right fit for you. What has been the greatest challenge in your career so far? How did it motivate you or what did you learn from it? At the moment the greatest challenge for me is saying not to opportunities. Even though it’s fantastic to get involved in all sorts of things if you aren’t able to do a good job in it then there’s no value in doing so. I believe doing a task with less commitment is worse than no commitment. The reason for this is the idea of letting someone down due to high expectation and the quality of work. As a result of this, I volunteer for things only if I know I have the capacity to do it and I can ensure that I meet expectations. 16


O-Week and First Year Social Capital W kicked off 2017 with our annual O-Week stall!

International Women's Day Breakfast Capital W, Network of Women, UTS Women In Business and MQU Women Entering Business joined forces at the IWDB event to 'Take a Stand'!

Internship Applications Workshop Our members gained a valuable insight into securing their dream internship at the Internship Applications Workshop!

Annual Dinner Celebrating our 10th year anniversary, the theme for this year's Annual Dinner was '1000 Cracks in the Ceiling'.



High School Workshop Capital W ran a workshop for a group of female high school students aspiring to futures in business!

Meet the CEO Alongside AISOC, Capital W hosted Susan Roberts, former CEO of Lazard Asset Management, followed by a Q&A discussion

Diversity in Finance Panel Capital W and UNIT teamed up to introduce female and STEM students to pathways in finance through an interactive Q&A event!

F3 Future Female Leaders Panel Capital W hosted a panel of leading women in finance, featuring the founder of F3 Camilla Love!


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