What We Do

LIXI Limited (LIXI) is an Australian, member-based not-for-profit company that develops data message transaction standards for the Australian mortgage processing industry, and promotes efficiency improvements. 

Member Owned

Owned by the members of the initiative, LIXI represents participants in the residential mortgage lending industry (full list).


LIXI is a not-for-profit and increases the efficiency of B2B messaging - benefiting end consumers as well as the industry as a whole!

Business Areas

LIXI Standards cover a range of credit applications (mortgages, business lending, cards, equipment finance etc) as well as property valuations, credit decisions, serviceability, mortgage insurance and backchannel and the list is still growing!

Founded in 2001

LIXI has been at the forefront of standards development for almost 2 decades - and we act as custodians for the large body of Intellectual Property that our members have contributed.

LIXI operates under the Constitution of LIXI Limited with the following objectives:

Facilitate B2B Messaging

To facilitate business-to-business exchange of information in the lending industry, with particular reference to mortgage lending.

Develop Standards

To develop and adopt standards relevant to the lending industry and to promote their use by members, and other participants in the lending industry.

Undertake Research

To undertake research in connection with business-to-business exchange of information and its application to the lending industry.


To educate members and other participants in the lending industry in the use of standards and related technologies.

Who We Are

Shane Rigby

Shane Rigby

Chief Executive Officer

Qualifications: PhD, BE(Hons)

Shane has demonstrated a passion for delivering business value through the use of technology. His background in banking and technology has framed his vision for LIXI’s future.

Shane joined LIXI in July 2015 as Chief Technology Officer after holding a series of financial services and banking technology roles internationally. In June 2017 Shane transitioned to the role of Chief Executive Officer.

Shane is a strong technology leader, having proved himself as a business analyst and developer before successfully leading program delivery across multiple areas in a global bank. He was responsible for the finance regulatory reporting platforms across Asia-Pacific as well as dealing with the regulatory issues surrounding the off-shoring of resources around the globe.

Shane is passionate about technology and how new technologies can solve business problems in exciting and often unexpected ways. He has strong experience in understanding how teams interact with the technologies they use, and driving greater productivity with the careful application of technology solutions.

Stephen Moore

Chairman, LIXI Board of Directors

Chief Executive Officer – Choice

Qualifications: B. Bus - Finance & Marketing

Stephen is a Financial Services professional with over 25 years experience in leadership across distribution, product, operations and strategy, uniquely within wealth management, banking and broking.

Companies include ING where he ran the life insurance operations, MLC, heading the Group Insurance business then General Manager for Platform Development and the start-up of UBank which is now internationally recognised as a leading direct bank.

Stephen was integrally involved in NAB's acquisition of the Challenger Mortgage Management businesses, set up Advantedge Financial Solutions, including an advice dealership devoted to broker businesses and is now CEO, Choice Aggregation, a leader in the finance broking industry.

Stephen is a Director and Responsible Manager of BLSSA, Australia’s largest Australian Credit Licence holder; Chair of LIXI, the industry data standards Board; Director of realestate.com.au Home Loans Mortgage Broking and a member of the MFAA National Aggregators Committee.

Stephen has a real passion for 3rd party distribution and small business in particular.

Martyn Beer

Head of Client Delivery, Lending Technology - IRESS

Qualifications: B.Bus

Martyn Beer has more than thirty five years of experience in senior roles with Australian Finance and Technology Industry service providers.

His experience includes 15 years' strategic and operational management in the lending businesses of Midland Bank, Colonial State Bank, BankWest, Liberty Financial and Guardian. For five years, Martyn was an independent introducer to aggregators and funders of retail and commercial mortgages. He has also spent over 15 years driving technology strategy and delivering technology solutions to the FSI at Adaptra Group, Sandstone Technology, IBM, Hewlett Packard, Siemens, and most recently, IRESS Ltd. Martyn also independently consults to start up technology businesses, and FSI clients to maximise results from direct to consumer and financial intermediary lending distribution.

Michael Culican

General Manager - Group's Supplier Management, Commonwealth Bank of Australia

Qualifications: Masters of Business Management

Michael is a senior leader with 25 years’ experience in Financial Services both in Banking and Insurance and is currently the General Manager for the Group’s Supplier Management at the CBA.

Prior to this role, Michael was the Chief Operations Officer for the CBA Lending Operations and he led the operations functions at Aussie Home Loans, a subsidiary of CBA where there was a focus on driving efficiencies and customer service enhancements.

Michael joined the CBA in 2010 and previously also worked at NAB and IAG.

Richard Hilliard

Head of Digital Transformation, Aussie Home Loans

Qualifications: BSC (Hons), Management Science

As Head of Digital Transformation at Aussie, Richard is responsible for broker and customer facing applications including Toolbox and its integration with panel lenders. In his 4 years at Aussie he has gained deep experience of the mortgage broker market and technology required to support it. Richard is leading an integrated team in transforming the customer experience and scaling operations through the application of technology and digital assets and has deep experience of applying LIXI to mortgages and other product applications in the aggregator space.

Paul Lahiff

Chairman, NPP Australia Limited

Qualifications: BSc, FFINSIA, FAIM, MAICD

Paul has over 35 years’ experience in the financial services industry including Managing Director of Mortgage Choice. Paul is currently the Chairman of NPP Australia Limited, overseeing development of a new platform to enable fast, data-enriched and simply addressed payments services for Australian business and consumers.

Paul acted as the Chairman of the LIXI Board 2012-15, and prior to that Paul provided consulting advice to LIXI, particularly in the area of strategy facilitation and effective governance.

Paul also serves as Chairman of Retail Finance Intelligence and is a director of AUB Holdings.

Paul holds a BSc Agr from Sydney University and is a Graduate of the Australian Institute of Company Directors.

Martin Lam

Co-Founder & Operations Director, Lendi

Qualifications: BSc & MA in Finance

Martin is currently the Head of Innovation, Operations, and Risk at Lendi, Australia’s leader in online home loans. Martin has been instrumental in pioneering the direct to consumer home loan experience. Martin leads the program of work aimed at redefining how consumer data is collected and utilised in the lending industry both for loan applications as well as responsible lending requirements.

Martin holds a BSc and an MA in Finance, specifically focusing on Banking.

Neill Rose-Innes

General Manager - Distribution, Mortgage Choice

Qualifications: Dip Information Technology

Neill has 30 years' experience in information technology, management consulting and business leadership. Throughout his career, Neill has held various executive roles in lender, direct distribution and third party distribution companies, including RAMS, Greenway and Mortgage Choice. Roles include: the GM Operations and CIO, during which time he was responsible for the technology and operational efficiency of the various businesses.

Neill appreciates how important it is for the industry to adopt common standards to improve the proposition for all constituents, and at the same time, improve LIXI member return on investments. LIXI, as the industry body, has the opportunity to assist in facilitating these outcomes, so long as adoption across the industry is broad and the standards are adhered to and supported.

Mike Thanos

Director, Lending Technology Services (LTX)

Qualifications: B.Com, LLB (HONS), Law, Accounting & Finance

Mike has 20 years’ experience in the mortgage industry. As a co-founder and leader of mortgage technology and BPO businesses LTX (Lending Technology Services) and IDS (Insight Data Solutions), he has followed his passion for applying technology to solve industry problems.

Mike was instrumental in the founding of LIXI when he, John Grant and Barry Thomas first conceived the organisation in 2000. He served as a Director of LIXI between 2004 and 2012 and has chaired or served on several Sub-Committees and Working Groups. Mike continues to believe in and support LIXI's mission as an independent, collaborative enabler of industry efficiency.

Simone Tilley

National General Manager of Retail Broker Distribution, ANZ

Qualifications: B. Agri Sci (Hons)

Simone Tilley is National General Manager of Retail Broker Distribution at ANZ. She was formerly National Manager Commercial for ANZ’s Regional Bank, whilst double hatting as State Manager Victoria and Tasmania covering both commercial and agribusiness customers. Prior to this role she ran Global Agribusiness Strategy for ANZ’s Institutional Bank.

Simone holds a Bachelor Degree in Agricultural Science (Hons), Post Grad in Price Risk Management, Agricultural Commodities and represented Australia as a Young Rural Ambassador on a fully paid bursary travelling East to West of Canada, reviewing agribusiness across the supply chain. Simone recently attended the MIT Executive Program in the USA.

She has had a successful career running large and complex businesses with a focus on driving change and achieving significant business performance turn around. Her banking career spans 20 years across Commercial, Corporate, Institutional and Retail divisions where she has also spent 4 years running her family businesses.

Become a LIXI Director

For people interested in guiding the direction of LIXI, the current Board invites and welcomes applicants from member organisations to nominate for a Board position.

Applications will open mid-September and will be announced to the Nominated Representative of each Member organisation. Nominations of candidates for election as Director are to be received at the LIXI postal address or via sending a scan of the completed signed Director Nomination Form via email.

Only one nominee per current financial LIXI member is allowed. This nomination must be seconded by a representative of a different, currently financial, LIXI member. If there are more nominations than positions to fill, an election will be held at the AGM in November. Please refer to the attached summary of LIXI Director Obligations, and the LIXI Constitution for further information about the process and expectations of the position. If you would like more information please contact Louise Harper.

Updated: 18th September 2018