Board of directors

David Carter

Managing Director and Group Chief Executive Officer

BCom, FCPA, F FIN, G.Dip Fin Planning, G.Dip Applied Finance and Investment, GAICD

Joining in March 2020, David leads the Club to deliver long-term, sustainable value to its members. With more than 30 years’ experience helping guide financial services institutions, including Suncorp Group and ANZ Limited, to success, David has a strong connection to his home state of Queensland.

David has held a number of director roles on company boards and industry associations in Australia and New Zealand over the past 15 years. He is currently the RACQ representative director of the Australian Automobile Association (AAA), Australian Motoring Services (AMS), and GEM Energy Australia Pty Ltd. He is also a director of RACQ Foundation Pty Ltd, Qld Ballet and Netball Qld.

Duncan V Brain

RACQ Insurance Appointed Director

B.App.Sc (Maths), MBA, MAICD

Duncan has been a director of RACQ since 2021. He is a Director of RACQ Insurance Limited and Club Insurance Holdings Pty Ltd.

He is also a member of the Insurance Audit Committee, Insurance Risk and Compliance Committee and the Group Transition Committee.

With more than 30 years’ experience, Duncan is an experienced financial services executive with extensive knowledge of the insurance industry. He has worked for a number of ASX listed insurance companies, including as Divisional CEO for a major general insurer. Beyond his domestic experience, Duncan has held CEO and board positions across seven countries, working and partnering with market and global leading financial services groups.

Annabel L Dolphin

RACQ Limited Elected Director – Regional Queensland

BBus (Mgmt), Dip NSL, GAICD, CAHRI

Annabel has been a Director of RACQ Limited since 2019. She is a Director of Members Banking Group Limited (RACQ Bank), Club Finance Holdings Limited, RACQ Insurance Limited and Club Insurance Holdings Pty Ltd. Annabel is also Chair of the RACQ Limited Risk and Compliance Committee, Insurance Risk and Compliance Committee and Bank Risk and Compliance Committee and is a member of the People and Purpose Committee. During the financial year Annabel was also a member of the Group Transition Committee.

Annabel is an experienced company director with more than 20 years’ specialising in strategic human resources, organisational design and culture change across a diverse range of sectors.

Annabel is passionate about regional Queensland and has occupied positions which have allowed her to support communities across the State. She is President of the Saints Netball Club Mackay Inc and Director of Dolphin Ventures Pty Ltd where she sits on several independent advisory boards. She is also a Director of Wander Beyond Pty Ltd t/a Helloworld Travel Mackay, Mt Pleasant and Townsville.

William (Will) J Fellowes

RACQ Limited Elected Director – Regional Queensland

BCom, GradDipCA, GAICD

Will has been a Director of RACQ Limited since November 2021, and is Director of Members Banking Group Limited (RACQ Bank), Club Finance Holdings Limited, RACQ Insurance Limited and Club Insurance Holdings Pty Ltd. He is also Chair of the Group Audit Committee, Bank Audit Committee, Insurance Audit Committee, a member of the RACQ Limited Risk and Compliance Committee, Insurance Risk and Compliance Committee, Bank Risk and Compliance Committee and Group Transition Committee. Additionally, Will is a Director of the RACQ Foundation Pty Ltd.

Will is an experienced Non-Executive Director (NED) and financial services expert, with specialisation in external audit, internal audit, financial consulting, advisory and assurance. Will brings to the boardroom global experience having worked as a PwC Director for more than 16 years.

Will has advised multinational clients, ASX listed organisations, government entities and private companies across a number of industries.

He also serves on the boards of Children’s Health Queensland Hospital & Health Service and Opera Queensland and is an independent expert of the Investment Committee for the Royal Flying Doctor Service (Queensland). Previously he was NED and Chair of the Finance, Audit and Risk Committee for Northern Australia Primary Health Limited; and is Co-Founder and Managing Director of outback Queensland’s first and only distillery, Western Queensland Spirit.

Robert (Rob) Hubbard

RACQ Limited Elected Director – South East Queensland

BA (Hons), Accy, FCA

Rob was appointed a Director of RACQ Limited in November 2021. He is a Director of Members Banking Group Limited (RACQ Bank), Club Finance Holdings Limited, RACQ Insurance Limited and Club Insurance Holdings Pty Ltd. Rob is also a member of the Group Audit Committee, Bank Audit Committee, Insurance Audit Committee, People and Purpose Committee and the Group Transition Committee.

Rob has more than 30 years’ experience in accounting, corporate finance, assurance and audit and is a former partner of consulting firm PwC in Brisbane. During his time with PwC, he was also a Director of MS Australia and Opera Queensland, and a member of the Council of the University of the Sunshine Coast.

Since retiring from his executive career in 2013, Rob has held a number of non-executive Director roles at top ASX listed companies. He is currently a Director of JK Tech Pty Ltd and Kallipr Holdings Pty Ltd. Previously Rob has been Chair of Healius Limited, Deputy Chair of Allkem Limited, Chair of Central Petroleum Limited, a Director of Bendigo and Adelaide Bank Limited and Lifeline Australia Limited.

Andrew G Moore

RACQ Limited Appointed Director

BEcon, BSc, MBA (INSEAD), CA, F FIN, GAICD

Andrew has been a Director of RACQ Limited since 2020. He is a Director of Members Banking Group Limited (RACQ Bank), Club Finance Holdings Limited, RACQ Insurance Limited and Club Insurance Holdings Pty Ltd. Andrew is a member of the People and Purpose Committee, RACQ Limited Risk and Compliance Committee, Insurance Risk and Compliance Committee and Bank Risk and Compliance Committee. Andrew is also Chair of the Group Transition Committee.

Andrew is the RACQ representative director on Honey Insurance Pty Ltd and is also a director of Helia Group Limited.

Andrew is an experienced financial services executive with more than 30 years’ domestic and global experience. His previous executive positions include Managing Director of GE Capital Home Lending (Aust & NZ) and General Manager of St. George Retail Bank.

In recent years, Andrew has been instrumental in driving digital transformation and disruption in the financial services industry, particularly through his work in executive and non-executive roles with Spaceship Capital, a business focused on delivering an innovative and engaging investment and superannuation experience to young Australians.

Sarah J P Pearson

RACQ Limited Elected Director – South East Queensland

DPhil (Oxon), FTSE, GAICD

Sarah has been a Director of RACQ Limited since November 2021. She is a Director of Members Banking Group Limited (RACQ Bank), Club Finance Holdings Limited, RACQ Insurance Limited and Club Insurance Holdings Pty Ltd. Sarah is also Chair of the People and Purpose Committee, and is a member of the Group Audit Committee, Bank Audit Committee and Insurance Audit Committee.

Sarah is an experienced Non-Executive Director, investor and advisor with global executive leadership expertise spanning FTSE 100 multinationals, international C-suite roles, universities and startups.

Her portfolio includes investment roles (member of the Foreign Investment Review Board (FIRB), Venture Capital at Main Sequence Ventures (MSV), advisory at Impact Investment Exchange Asia), board Director roles (RACQ), and is the 10th Chancellor at the University of New England (UNE).

Sarah is a scientist and innovator and was privileged to represent Australia as DFAT’s Chief Scientist & Chief Innovation Officer, as well as Australia's Innovation Champion in the MIKTA group. She is driven by the opportunity for impact, for making the world a better place for everyone, whilst helping Australia benefit from applying exciting breakthroughs in science & technology.

Richard B Umbers

RACQ Limited Appointed Director

(BSc, MSc, GAICD)

Richard was appointed a Director of RACQ Limited in May 2025. He is a Director of Members Banking Group Limited (RACQ Bank), Club Finance Holdings Limited, RACQ Insurance Limited and Club Insurance Holdings Pty Ltd. Richard is also a member of the RACQ Limited Risk and Compliance Committee, Insurance Risk and Compliance Committee, Bank Risk and Compliance Committee, Group Audit Committee, Bank Audit Committee and Insurance Audit Committee.

Richard is an experienced CEO and board member, with a background in supporting or leading large customer oriented and operationally driven organisations through times of significant change.

Until 2024 he was the Group CEO at Ryman Healthcare Ltd with aged care and retirement living operations in New Zealand and Australia. He was previously a senior executive in supermarket retailer Kaufland's International division based in Germany, and is a former CEO and MD at Australian department store chain Myer. He also held senior roles with Australia Post and Woolworths in Australia, and Aldi in the UK and Republic of Ireland.

Richard is a strong advocate for customer driven innovation, and has many years of experience in start up and scale up business environments. He is currently a Beachhead Advisor to New Zealand Trade and Enterprise.

Mark Rearick

RACQ Limited Appointed Director

(BS (Engineering), MS (Engineering), MBA, GAICD)

Mark was appointed a Director of RACQ Limited in May 2025. He is a Director of Members Banking Group Limited (RACQ Bank), Club Finance Holdings Limited, RACQ Insurance Limited and Club Insurance Holdings Pty Ltd. Mark is also a member of the Group Audit Committee, Bank Audit Committee, Insurance Audit Committee and the People and Purpose Committee.

Mark brings over 30 years of extensive experience in the automotive and mobility industry, having held key leadership roles across Australia, the United States, and China. His career highlights include serving as CFO for Ford Motor Company in both Australia and China, and as President and Co-founder of an electric vehicle subsidiary in China. Mark's expertise spans enterprise transformation, strategy development, and financial management within the automotive sector.

Currently, Mark is a Non-Executive Director for U Ethical Investors and Are Able, where he contributes his strategic insights and governance expertise. He also serves as an Associate Professor of Practice at the Monash Business School, sharing his industry knowledge with the next generation of business leaders.

Mark holds an MBA in Accounting and Finance and a Master’s Degree in Mechanical Engineering from the University of Michigan. He is a Graduate of the Australian Institute of Company Directors.