
Toby Ellis
Banking and financial services executive with over 20 years’ experience leading strategy, innovation, partnerships and transformation across complex, regulated environments.
Currently Managing Director of Citro at AMP, an internal venture focused on customer engagement, partnerships and platform-based growth. In this role, we have reset strategy, built a partnerships function, implemented governance frameworks, and driven an AI-first approach to platform capability, improving scalability, personalisation and delivery outcomes.
My experience spans capital markets, banking operations, customer platforms and emerging engagement ecosystems. I have held senior roles across AMP, Macquarie Bank and international technology businesses, and have built and scaled partner-led models across Australia and Asia, working with financial institutions, payment networks and enterprise clients.
A consistent focus throughout my career has been translating complex challenges into practical, scalable outcomes — balancing innovation with governance, aligning diverse stakeholders, and delivering measurable results in regulated environments.
I’m particularly interested in how partnerships, innovation and data can continue to evolve banking and customer engagement models in regulated environments, and the role these capabilities play in delivering long-term value at scale.
