Michael O'Carroll serves as the Head of Transformation (BI/Generative AI) at Capitec Bank, leading a transformation office focused on generative AI and analytics for a client base of 22 million and a workforce of 18,000. Prior experience includes an Associate Director role at PwC South Africa, overseeing strategic digital transformation initiatives across 17 countries, and a Senior Manager position at PwC Australia, where O'Carroll managed various innovation and business transformation projects. Additionally, experience spans roles at Ernst & Young in sustainability and climate change. Michael holds a Master's Degree in Environmental Management and a series of certifications, including Prosci® Change Management and various technology-related courses.
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