Global Executive Team

John (‘Skander’) Malcolm

Chief Executive Officer and Managing Director

Skander joined OFX in February 2017 as CEO and Managing Director.

Skander has more than 30 years’ experience in financial services and healthcare. In financial services, he has depth across consumer payments, consumer finance, joint ventures, partnerships, commercial lending and leasing and digital. His global experience includes having lived and worked in Australia, New Zealand, the UK, the US, Turkey, the Middle East, Africa and Eastern Europe.

Prior to joining OFX, Skander was President Eastern & African Growth Markets for GE Healthcare, and prior to that, President, GE Capital, Australia and New Zealand. He worked for GE from 2003 to 2016, and prior to that worked at Westpac Banking Corporation and Household International.

Skander holds a Bachelor of Economics from the University of Sydney.

Mark Shaw

Chief Operating Officer

Mark joined OFX in January 2018 as Chief Risk Officer.  He took on the role of Chief Operating Officer in March 2019.

Mark has over 20 years’ experience in financial services, gained at leading Australian and New Zealand banks.

Prior to joining OFX, Mark led the Operational Risk & Compliance function for the Australia Division at ANZ bank and had held several other senior roles within ANZ including Head of Compliance in both Australia and New Zealand. Before joining ANZ in 2007, Mark worked at Suncorp managing the group’s governance, policy and regulatory training frameworks, and overseeing compliance and operational risk teams across Australia.

Mark holds Bachelor of Computer Science and Bachelor of Law from the University of Queensland.  He has also completed all three levels of the Chartered Financial Analyst program.

Lucy Allen

Chief Marketing Officer

Lucy joined OFX in November 2015 and was promoted to Chief Marketing Officer in January 2024. She has held various leadership roles at OFX, including leading the Paytron integration, leading the Global Online Seller segment and as the Head of Marketing Asia Pacific.

Lucy has over 15 years’ experience in B2C and B2B companies. She has extensive experience in the translation of customer and market insights into effective business portfolio strategies, with proven experience across a diverse mix of geographies and market types.

Prior to joining OFX, Lucy led Marketing at a treasury risk advisory firm in Australia. Prior to that she was the Senior Account Director for a full-service agency in the UK, leading the largest accounts across insurance, banking, construction, telecoms, travel and logistics. Lucy holds a Bachelor of Tourism: Marketing from Bournemouth University, UK and is a scholar of the Marketing Academy.

Yung Ngo

Chief Customer Officer

Yung joined OFX in March 2019 as President, Asia Pacific and transitioned to Chief Customer Officer in October 2025.

Yung has over 25 years’ financial services experience in the payments, banking and insurance industries.

Prior to joining OFX, Yung has held senior executive positions at Westpac, St. George Bank and GE Capital leading businesses across retail banking, home lending and commercial finance. He has extensive experience driving growth across different segments and channels including consumer and corporates, business partnerships and third-party channels, as well as call centre distribution.

Yung holds a Bachelor of Jurisprudence and a Bachelor of Laws from UNSW and is also a Graduate of the Australian Institute of Company Directors.

He is currently a non-executive director for Thrive Refugee Enterprise, a not-for-profit organisation dedicated to assisting refugees and asylum seekers to become financially independent by starting or growing their own small business. He was previously a non-executive director for Settlement Services International, a not-for-profit organisation supporting the humanitarian sector.

Josh Goines

Chief Growth Officer

Josh joined OFX in February 2024 as President, North America and transitioned to Chief Growth Officer in October 2025.

Josh has over 20 years’ experience establishing and scaling innovative businesses at the intersection of financial services, payments, and software. Prior to joining OFX, Josh has worked in a variety of senior roles at a range of FinTech and payment companies including BILL, PayPal, Intuit, Tempo Payments and Green Dot. In addition, he acted as an advisor to Costanoa Ventures, a Silicon Valley based venture capital firm.

His experience spans business development, general management, strategy, finance, working across B2C and B2B, leading large global teams and working in both public and private companies.

Josh holds a Master of Business Administration from Stanford Graduate School of Business and a Bachelor of Arts in Economics and Spanish from Claremont McKenna College.

Kate Malone

Chief Risk Officer

Kate joined OFX in May 2025 as Chief Risk Officer.

Kate has over 20 years’ experience in senior roles across the legal, financial services, energy and health sectors. She is an experienced executive, with deep expertise in enterprise and operational risk, having led the development of robust risk frameworks and regulatory programs across complex environments.

Kate has also overseen major transformation initiatives spanning risk, data and technology, and is known for building strong risk cultures and effective governance structures.

Prior to joining OFX, Kate held CRO, COO and CFO positions at leading organisations including Slater and Gordon Lawyers, Latitude Financial Services and GE. Kate holds a Bachelor of Science (Hons) and is a Graduate of the Australian Institute of Company Directors