Group Executive Team


David Carters profile David Carter

B. Com, CPA, F FIN, G.Dip Fin Planning, G.Dip Applied Finance and Investment, GAICD

Group Chief Executive Officer of RACQ.

Joining in March 2020, David leads the Club to deliver long-term, sustainable value to its 1.7 million members. With 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 is a Certified Practicing Accountant and has a Bachelor of Commerce.

RACQ Group Senior Executive Team

Brad BowesBrad Bowes

PhD, MBA, MCommLaw, BBus(Accty), FGIA, FCG, MAICD

Group Company Secretary

Mr Bowes is a member of the RACQ Group Executive. As Group Company Secretary, he also has particular responsibilities as company secretary for all the legal entities within the RACQ Group. He leads the Group Secretariat with responsibility for internal audit, aspects of corporate governance, and for managing all matters associated with the efficient and effective operation of the various boards and committees and of each annual general meeting. Mr Bowes is a chartered company secretary and governance professional with significant experience in senior management and similar governance roles in both private enterprise and the public sector across a range of industries.

Tracy Green Tracy Green


Group Executive Insurance

Tracy Green is the Group Executive Insurance at RACQ. Tracy has more than 25 years’ experience in general insurance, having held executive position across multiple functions in the value chain including, portfolio management, product and pricing innovation, claims management and distribution. Prior to joining RACQ, Tracy held executive positions at IAG, Suncorp and TIO.

Tracy is a Board Director of the Insurance Council of Australia (ICA). She is a Graduate of the Australian Institute of Company Directors, Fellow of the Australian and New Zealand Institute of Insurance and Finance, Certified Insurance Professional (CIP) and holds a Bachelor of Commerce.


Michael Lonergan Michael Lonergan

BBus, FCPA, Grad Dip App Fin, GAICD

Group Chief Financial Officer

As Group Chief Financial Officer, Michael is responsible for managing RACQ’s overall financial position and reporting on financial performance across the Group. This includes management, financial and regulatory reporting, budget and financial forecasts and taxation compliance. Michael oversees the management of the Group’s investment portfolios and is responsible for the management of Group property activities. Michael joined the RACQ Group in 2002 as Financial Controller for RACQ Insurance before being appointed to Chief Financial Officer – RACQ Insurance in August 2007. Prior to joining RACQ Insurance, Michael held accounting and financial management roles across a number of industries including sports management and construction.

Bernadette Stone Bernadette Stone

BSC(Hons) Physics

Chief Technology Officer

Bernadette joined RACQ in February 2021 as the Chief Technology Officer responsible for setting RACQ’s technology strategic direction and delivering solutions to staff and members across Assistance, Insurance and Banking. Bernadette has more than 20 years’ experience in large scale business and technology transformation working across a range of industries. Prior to joining RACQ, Bernadette was the Chief Information Officer for Brisbane City Council and has held senior positions in organisations including Virgin Australia, Aurizon and Rio Tinto.

Heidi Suominen Heidi Suominen

B.Bus (HR Mgt), Grad Dip Training and Development, GAICD

Chief People Officer

As Chief People Officer, Heidi oversees the strategic human resource direction across the RACQ Group. With a HR career spanning more than 25 years and multiple industry sectors, Heidi is experienced in aligning people practices to organisational culture values and business strategy. Heidi’s areas of responsibilities include organisational development, learning and development, human resources, compensation and benefits, and industrial relations. Heidi is an internationally-experienced and industry-recognised human resources and corporate shared services executive with a track record in business transformation and people performance.

Glenn Toms profile Glenn Toms

BBus, G.Dip Fin & Inv, FFin, FAIM, GAICD

Group Executive Assistance

As Group Executive Assistance, Glenn leads a large team which provide a range of 24/7 automotive and lifestyle solutions to members including roadside assistance, batteries, automotive glass, travel and the Mobility Centre of Excellence. Glenn has more than 30 years’ commercial experience in operations and logistics. He is Chair of RACQ Automotive Services and Members Travel Group, a Director of Club Assist Corporation, RACQ Operations, Australian Club Consortium and ACC CAD. He also chairs the Corporate Advisory Board for the Australia Zoo Wildlife Warriors.

Michelle Winzer Michelle Winzer


Group Executive Banking

Joining RACQ in December 2020, Michelle leads our RACQ Bank team, bringing her more than 30 years’ experience in financial services, working for organisations including Bank of Melbourne, Westpac and the Commonwealth Bank previously. A proud Queenslander, Michelle has a passion for member-based organisations and has worked hard to support her community with a particular focus on women, youth, education and homelessness. Michelle is a Graduate of the Company Directors Course, is a member of the AICD, and has completed an MBA through Melbourne Business School.