Commonwealth Bank of Australia announced six appointments and changes to the Executive Leadership Team (ELT), including simplifying the Bank's structure. The changes to the Executive Leadership Team are as follows: Nigel Williams has been appointed Chief Risk Officer (CRO) and will join the Bank on 5 November 2018. Nigel has more than 30 years of experience in banking, including 15 years at ANZ as CRO and previously Head of Institutional Banking in Australia and in New Zealand. Nigel will play an important role in improving credit risk, operational risk and compliance at a critical time for the Bank. David Cohenhas been appointed Deputy Chief Executive Officer, and will be moving from his current role as Chief Risk Officer, effective from 5 November 2018. In this new role, David will be responsible for: strengthening the Group Customer Relations and Customer Advocate functions; leading the demerger of the Colonial First State Group, and the M&A team; and assisting the Chief Executive Officer with Group-wide initiatives including engagement with industry groups, government, regulators and community groups. Pascal Boillat has been appointed Group Executive Enterprise Services and Chief Information Officer, with responsibility for all technology and operations across the Bank, and will join on 1 October 2018. Sian Lewishas been appointed Group Executive Human Resources and will commence in the role, effective from 1 August 2018. Andrew Hinchliffhas been appointed Group Executive Institutional Banking and Markets, effective from 1 August 2018. Angus Sullivanhas been appointed Group Executive Retail Banking Services, effective from 1 July 2018.