Living our values
Together, we’re far greater than the sum of our parts.
Teamwork and technology are two of Sandstone’s keys to success, and the leadership that drives our team forward is one of our greatest strengths. We have gathered together some of the industry's best minds to help us reach our objectives, and today we stand proud as an example of how living your company values can achieve the loftiest of goals.
Meet our team.
Founder & Chairman
B.Sc Hons (Maths)
Bob Hall is the Chairman of market-leading fintech Sandstone Technology, that he proudly co-founded almost 25 years ago and is driven by the financial technology industry. A former employee of IBM and before “fintech” was a thing, his co-founder Violet Yu were dreaming up ways to transform banking through what was then a new channel called the internet, simplifying the customer journey and the employee experience. Working with the business units Bob is passionate about innovating and evolving as the industry evolves.
MBA, B.Sc. (Maths), ADFS (Fin. Planning), Cert IV FS (Finance / Mortgage Broking)
Michael Phillipou is responsible for the performance of Sandstone Technology's Global Operations. Deeply passionate about people leadership, banking, financial services & technology, Michael has over 20 years' experience in financial services holding Executive people leadership roles in Advice, Retail & Business Banking, Digital Banking, and Enterprise Technology Sales & Transformation programs for Westpac, MLC-aligned businesses and Bendigo Bank. In addition, he co-founded a disruptive digital banking business, Lodex. Michael holds a Master of Business Administration (MBA), Bachelor of Science (Maths), Advanced Diploma of Financial Services (Financial Planning) and Certificate IV in Financial Services (Finance / Mortgage Broking).
Executive GM People & Performance
BEc (Computer Science)
A passionate technologist, financial services and banking industry professional, Violet is the Director of People and Performance for Sandstone Technology, which she co-founded over 20 years ago. Having done just about every role in Sandstone Technology from its initial founding to having now built an enviable list of customers and a full suite of market-leading digital transformation products, Violet is now focused on attracting and retaining the best people and building & maintaining a high-performance culture, while continuing to maintain a heavy influence on the strategic direction of the organisation. Her vast experience in fintech, combined with her unwavering commitment of continuous self-improvement and a passion to grow Australian companies locally and globally, has seen her flourish in an industry driven by innovation.
Chief Financial & Operating Officer
BArchEng, BA Hons Finance, MBus(AppFin) BBus(Finance)
Katherine Dziaman is a passionate business expert with hands-on experience in finance, operations & programs delivery disciplines. Katherine has over 18 years experience in developing and implementing processes to increase the performance, driving operational effectiveness and productivity across many geographical & cultural locations. Katherine has a proven track record having delivered strategy and implemented financial protocols across many geographical and cultural locations and has held a number of executive leadership roles at Tonic Health Media, Powercom, JP Morgan Chase, JJL, Mirvac
Chief Customer Officer
Ross Watts is Sandstone’s Chief Customer Officer and leads the global Marketing, Sales, and Partnerships across Australia, New Zealand, Asia, and Europe. Ross has over 20 years of experience in financial services holding regional and national executive, consulting, and leadership roles at not-for-profit organizations, SMEs, Barclays, Lloyds TSB in the UK, Westpac Group, and BT Financial Group, Australia. Ross is passionate about banking, financial services, technology and an active champion for mental health and education. He sits on the board as a Director at SEDA WA, an independent College, focusing on providing Year 11 and 12 students with an individual approach to learning that provides opportunities to develop real skills for a successful future.
Executive GM Origination, AI & ML
Poli Konstantinidis leads the Sandstone Origination, AI & ML teams and is responsible for the Lending Origination, AI & ML technology products and solutions across Australia, New Zealand, Asia, and Europe. Poli a is highly regarded Financial Services professional with over 20 years’ experience in Risk Management, Operations, Governance and General Management. Poli has a proven track record of business performance transformation, business partnering, strategy derivation & execution and business growth with leading organisations including Experian, GE Capital and Latitude Financial Services.
Chief Technology Officer
B.E. Hons (Information Technology)
Chai Pinnamaneni leads the global tech strategy across Australia, New Zealand, Asia, and Europe. Chai has over15 years of experience in software engineering with a strong focus on promoting growth aligned with innovation and efficiency. Chai has a strong technical background and hands-on experience in cloud architecture & design, building SaaS solutions, managing product development and implementing a secure cloud platform. He is passionate about cloud and champion a cloud-first approach and I thrive on finding sophisticated solutions to complex problems to help Sandstone customers to determine the best solutions to support their digital transformation strategy.
Executive GM Digital Acquisition
Raymond Yap leads the Sandstone Digital Acquisition team and is responsible for a suite of innovative digital solutions across Australia, New Zealand, Asia, and Europe. Coupled with over 40 years of experience in financial services, Raymond has deep insights and extensive knowledge of the Banking and Lending landscape. Raymond is passionate about building innovative technology products that help financial institutions to grow, evolve, and better serve their customers. Prior to joining Sandstone Raymond held senior lending roles for leading financial institutions including Citi, AMP Bank and ING Direct.