Stephen Carmichael
About Stephen Carmichael
Stephen Carmichael is a Senior Manager of Risk at QBE Insurance and has extensive experience in the financial services sector, including roles at BT Financial Group and Westpac. He has worked in various capacities related to mortgage insurance and risk management since the mid-1990s.
Current Role at QBE Insurance Group
Stephen Carmichael serves as Senior Manager, Risk at QBE Insurance Group in Sydney, Australia. He has held this position since 2019, contributing to the company's risk management strategies for five years. His role involves overseeing risk assessment processes and implementing measures to mitigate potential risks within the organization.
Professional Experience at BT Financial Group
Carmichael has an extensive history with BT Financial Group, where he has worked in various capacities. He has been the Senior Product Manager for BT Lenders Mortgage Insurance since 2016. Prior to this, he held the position of Senior Manager Operations for Lenders Mortgage Insurance from 2009 to 2014, and served as Senior Manager from 2014 to 2016.
Previous Employment at Westpac
Before his tenure at BT Financial Group, Stephen Carmichael worked at Westpac for several years. He was the Head of Westpac Lenders Mortgage Insurance from 2005 to 2009. Additionally, he held roles as Westpac Product Risk Manager - Systems in Consumer Risk Management Secured from 1999 to 2005, and as Product Risk Manager Secured Lending from 1996 to 1999.
Educational Background
Stephen Carmichael completed his secondary education at Lithgow High School from 1978 to 1982. Prior to that, he attended South Holderness Comprehensive School in Hull, England, from 1976 to 1978. His educational background laid the foundation for his career in risk management and finance.