Toby has broad experience in digital strategy, business development and execution. As CBA’s Head of Partnership and Fintech within CBA Digital, he is currently responsible for exploring digital opportunities beyond traditional banking services. This scope includes Fintech business models and the broader range of emerging digital business models. In the small business sector, this focus has delivered a recent exclusive banking referral partnership with OnDeck Australia to test and expand new ways to meet the needs of small business customers. Prior to CBA, Toby was a Director of Strategy and Business Development at NewsCorp Australia, where his tenure included a period as CEO of a Fintech JV (StocksInValue) between News Corp and a fund manager. Prior to that he was policy adviser to the Minister for Communications on the National Broadband Network during its initial design and rollout, and started his career as a management consultant at McKinsey & Company.