Executive Leadership

Vivek Bhatia

Vivek Bhatia

Chief Executive Officer

Vivek joined QBE in February 2018 in the role of CEO, Australian & New Zealand Operations.

Before joining QBE, Vivek was inaugural CEO and MD of icare, the NSW Government AUD$32 billion public financial corporation managing the state’s insurance and care schemes.

Vivek has more than 20 years’ experience in the insurance and management consulting sectors. Vivek was previously the CEO of Wesfarmers Insurance in Australia, where he was responsible for leading the multi-brand, multi-channel insurer through a significant transformation journey. He has also co-led McKinsey & Co’s Asia Pacific Restructuring & Transformation practice.


Jason Clarke

Jason Clarke

Chief Customer Officer, Commercial Lines

Jason has more than 25 years’ experience in the general insurance industry, holding a variety of roles across Australia covering underwriting, distribution and senior management. The Commercial Lines business unit supports our commercial customers and partners through the specialist teams of Sales & Relationship Management, Commercial Underwriting, Specialty, SME, People Risk, and Elders Insurance.

Frank Costigan

Frank Costigan

Chief Customer Officer, Personal Lines

Frank brings a wealth of knowledge and experience to QBE from more than three decades in financial services spanning insurance, investment banking and chartered accounting. 

Frank is known for his excellence in leadership and people management and brings a passion for inspiring others and developing strong performers. 

Before joining QBE in November 2018, Frank held a number of senior leadership roles across the industry including CEO of Youi Insurance (Australia and New Zealand), CFO & COO of Berkshire Hathaway Speciality Insurance (Australia and New Zealand), CFO of Insurance Australia Group’s direct insurance business (NRMA) and earlier as the CFO and Head of Business Development & Strategy (Asia).  

Frank spent his early career working in investment banking, including time with UBS Australia as a successful insurance equity analyst.  

Frank is currently a Director of not-for-profit organisation Out for Australia.

Eleanor Debelle

Eleanor Debelle

Chief HR Officer

With 23 years’ experience in financial services covering central banking, investment consulting, investment management and general insurance, Eleanor is passionate about driving value creation through talent, and building a great place to work for our biggest asset – our people.  

Eleanor joined QBE’s Investment Team in 2015 after 11 years at Insurance Australia Group where she held several senior business roles, covering end-to-end investment management and running an online insurance business.

Eleanor holds a Bachelor of Economics with First Class Honours from the University of Western Australia and a Master of Economics from the Australian National University.  She is also a GAICD.





Jon Fox

Jon Fox

Chief Claims Officer

Jon has more than 25 years’ experience within the Australian insurance industry, including senior positions in claims, underwriting, distribution and general management. 

Jon joined Elders Insurance in 2002 to establish the company’s national claims capability. Promoted to GM Insurance Operations in 2005 he led the integration of Elders Insurance into QBE after its acquisition in 2009. Appointed General Manager Elders Insurance in late 2011 Jon has delivered strong results and the business has won a number of awards, including the Roy Morgan Business Insurer of the Year. 

Jon is a director of several industry boards, including the Australian and New Zealand Institute of Insurance and Finance.



Jonathan Groves

Jonathan Groves

Chief Risk Officer

Jonathan has over 25 years of experience in the insurance and reinsurance markets, having worked in the UK and London markets, Bermuda and more recently Australia. Jonathan joined QBE in 2013 as Chief Risk Officer of Equator Re and was appointed Group Head of Risk in April 2017.

He assumed the CRO role for Australia and New Zealand in December 2018.

Jonathan has previously worked for Marsh and Aon both in a management capacity and providing risk related consulting services as well as in AIG’s risk management group.  Jonathan is a Fellow of the Institute of Risk Management and is a member of the global Risk Leadership Team at QBE. 


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Fiona Hayes-St Clair

Chief Strategy Officer

Fiona is a strategist with 20 years of experience and a passion for customer-centric strategy that delivers commercial results.

With industry experience across the globe, Fiona joined QBE in 2018 and is responsible for its corporate and Insurtech strategies – driving opportunities across Australia and New Zealand to deliver profitable growth.

Prior to QBE, Fiona was General Manager Consumer & Wealth Strategy at National Australia Bank where she helped develop strategies to innovate customer experience, distribution and growth strategies for consumer banking and wealth management products and services. Fiona began her career as a strategy consultant at Booz & Company (now Strategy&) where as a Partner she led the Insurance practice in Australia and NZ.

Fiona has an acute interest in the revolution in customer experience and distribution models brought about by digitisation, and has authored intellectual capital and a number of whitepapers on this topic.


Chris Killourhy

Chief Financial Officer & Interim Chief Underwriting Officer

Chris has close to 20 years of industry experience and a strong background in actuarial, economics, governance, technical pricing, capital modelling and senior management. He was appointed as Interim Chief Financial Officer for the Australia and New Zealand business in 2018.

Chris joined QBE in 2017 as Chief Actuarial Officer, where he led business planning, quarterly valuation, independent validation of Economic Capital Model, technical pricing and actuarial and statistical insights. Prior to this, Chris was the Chief Actuary at Equator Re – the entity responsible for managing the QBE Group’s risk appetite and capital.

Chris has worked for global insurance and consulting companies internationally and in Australia. He is a member of the QBE Group Actuarial Leadership team and of actuary institutions around the world.

Declan Moore

Declan Moore

Chief Customer Officer, New Zealand & Pacific

Declan Moore was appointed Chief Customer Officer, QBE New Zealand & Pacific in August 2019. He has 25 years of insurance experience, with six years at QBE Australia as Head of Actuarial Pricing and then as Operations Manager NSW/ACT where he managed the Underwriting, Finance, and support functions. Declan re-joined the QBE Group in 2011 and prior to his current role, was appointed Group Chief Actuary in 2012 and Chief Underwriting Officer in 2016.

Declan has previously worked as a general insurance consultant for Trowbridge Consulting in Sydney and Towers Watson in Dublin.


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Renée Roberts

Chief Operating Officer

Renée has more than 27 years’ experience as a transformational and strategic operational leader across complex service businesses in Australia, Europe and New Zealand.

With a proven background in leading customer-centric culture transformation and creating effective risk frameworks, Renée is dedicated to improving business capabilities to deliver outstanding results for customers.

Renée joined QBE in 2018 and is responsible for business operations, business transformation, data, information technology and the operations strategy for Australia and New Zealand.

Renée is also a director at Swinburne University Council and an esteemed business mentor.


Phil White

Chief Customer Officer, Credit Lines

Chief Executive Officer, QBE LMI

Phil is a senior executive with a deep understanding of the insurance, credit risk and the property market, gained from more than 20 years’ experience in management consulting and leadership roles.

Since joining QBE in 2006, Phil has held a variety of senior leadership positions including Head of Strategy and Distribution, Head of Financial Institution General Insurance, Head of Capital Markets and Structured Transactions and Principal New Business Ventures.

Before joining QBE, Phil spent ten years as a management consultant working across Asia, Europe, Africa and Australia and spent a significant part of his career specialising in the UK commercial property market.

Phil is also Director of QBE Mortgage Insurance (Asia) Limited.