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Carly Rulton

Carly Rulton

Chief Marketing Officer

Commercial Marketing Leader | Connecting Customer Value, Client Growth and Revenue.

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About Carly

Marketing is my lens. Commercial is my remit.

I work across the full marketing function, from customer strategy and brand through to go-to-market, digital, performance, customer acquisition, lifecycle and team leadership. I connect marketing strategy and execution to customer value, client growth and revenue.

My experience extends well beyond marketing. I've led strategic partnerships, go-to-market initiatives and sales teams, giving me a broader perspective on how organisations grow, commercialise new opportunities and bring teams together around a shared objective. For me, marketing has always been part of a broader commercial system, not a function operating in isolation.

I've worked across global enterprise and challenger businesses, helping organisations adapt strategies across markets and translate them into local execution. My deepest experience is in payments, fintech and financial services, though the work translates well across service-led organisations.

I'm at my best in situations where the business needs an experienced pair of hands, someone who can get up to speed quickly, bring people together and turn strategy into action.

Experience

Independent

Marketing & Partnerships Director | Fractional CMO (2025 – Present)

Delivering fractional and interim commercial leadership across payments, fintech, and financial services, partnering with executive teams to diagnose commercial challenges and rebuild infrastructure for sustainable scale.

MyState Bank Limited (ASX: MYS)

Head of Customer & Marketing (2024 – 2025)

Led commercial marketing function during a critical period of strategic change and M&A preparation, driving customer growth and online conversion improvements.

Visa Inc. (NYSE: V)

Director – Account Executive; Marketing Services Lead AuNZSP; Head of Client Marketing; Client Marketing Lead (2017 – 2024)

Responsible for client marketing strategy, marketing services business development, and strategic partnerships with major banking, fintech, and merchant partners.

Citi

Head of Channel Marketing; Head of Sales & Distribution, Marketing and Strategy (2010 – 2016)

Senior marketing and commercial roles across B2B and B2C financial services in Australia, working across channel marketing, sales and distribution, and go-to-market strategy. Delivered significant uplifts in B2B lead generation and customer acquisition across priority segments.

Santander

Senior Manager - Credit Card Acquisition (2008 – 2010)

Credit card acquisition and channel marketing across B2C financial services in the UK.

HSBC

Multiple roles including Product Manager, Retail Bank (2004 – 2008)

Early career roles across retail banking and product management in the UK, working across channel marketing and customer acquisition.

Qualifications

Diploma in Digital Marketing (2017)

Institute of Data & Digital Marketing, London. UK

Bachelor of Marketing (2002)

University of Lancashire, UK

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