WE’RE NAB

We are here to serve customers well and help our communities prosper.

Today, there are more than 30,000 people, serving 9 million customers, at over 900 locations throughout Australia, New Zealand and around the world.

Through investment in our colleagues and our customers, our ambition is to be:

Safe

By protecting customers and colleagues through financial and operational resilience.

Easy

By creating a simpler, more seamless and digital bank that gets things done faster.

Relationship-led

By building on our market-leading expertise, data and insights to foster great relationships with our customers and community.

Long term

By delivering sustainable outcomes for our customers, colleagues and community.

As Australia’s largest business bank, we work with small, medium and large businesses. We’re there to support our customers through every stage of their business needs.

We also fund essential infrastructure in our communities (like schools, hospitals and roads) in a way that’s responsible, inclusive and innovative.

MORE THAN MONEY

We’ve shown through our response to COVID-19 what it means to put customers and colleagues first. We’ll continue to move with speed, simplicity and focus, so we can continue to work on what matters most.

Everyone's career path is unique. That's why we offer various career options and development opportunities that fit with your study and aspirations. We'll support you every step of the way to help you find a role that you’re passionate about.

The benefits of working for NAB

• We believe the little extras can make a big difference in helping you meet your unique needs and ambitions. We provide access to a large number of exclusive employee benefits that'll support you both personally and professionally.
• Flexible work options, so you can balance your work and personal life.
• Competitive remuneration packages.
• Access to our employee benefits program: discounts on product and services including home loans, credit cards, insurance, gym membership, travel and more.
• Sixteen hours paid leave each year to volunteer in the community
• Environmentally sustainable benefits via access to NAB’s Green Your Life program which provides employees with advice and access to discounted environmentally-friendly and sustainable products and services, and tips on how to reduce your impact on the environment.

Find out more about the benefits of working at NAB.

A strong graduate cohort

As a grad, one of the best parts of the program is the support and unparalleled access you’ll receive. You'll build valuable networks and make new friends - many of whom you'll work with in the years to come.

Our graduates run their own Graduate Committee which provides social gatherings, networking events and opportunities for community liaison and volunteering. Our graduates are encouraged to give back to their local communities and play a role in leading and driving change.

About the NAB Graduate Program

You’ve studied hard and you’re ready to take the next step which is why we can help you develop the skills, knowledge, and network to build an exciting and inspiring career. 

NAB’s been awarded and recognized as one of the best Graduate employers in Australia. We support our graduates to develop the skills, knowledge and network to build an exciting and inspiring career through job experience, dedicated coaching and professional development. 

Our tailored program is designed to give you a broad experience, introducing you to all aspects of life at one of Australia’s largest and most successful financial institutions. You’ll undertake rotations where you’ll build the critical capabilities and professional skills to grow a successful career. From day one, you’ll play an integral role in delivering for our customers. 

Here’s what you can expect as a graduate at NAB:

• Rotations and experiences in your chosen business area doing real work to build real career skills. 
• A four-week secondment to a business area of your choice.
• Opportunities to get involved in enterprise-wide projects, initiatives and resource groups.
• Opportunities to create positive social impact via community and customer engagement projects.
• Learning and development opportunities aligned to building critical skills for the future of work.
• Access to NAB’s Career Qualified in Banking professional accreditation.
• Ongoing coaching, mentoring and exposure to senior leaders.
• Networking events to help you build your profile and organisational connections.
• A strong graduate cohort to support you build your profile, organisational awareness and social connections. 
• Support to find a permanent role in your chosen field upon completion of the program.

We’re recruiting across 10 business areas:

• Personal Bank
• Business Bank
• Private Wealth 
• Corporate & Institutional Banking
• Finance 
• Risk
• Data & Analytics 
• Technology 
• Markets
• People & Culture

Perks & Benefits

How the Summer Intern Program works

Our summer internship is for undergraduate and postgraduate students in their second last year of study. It’s an eight-week paid program run over the university summer break. You’ll discover what it’s like to learn and work at one of Australia’s largest and most successful financial institutions.

You’ll not only gain insights into the banking and finance industry, but you’ll be provided with career coaching to help you figure out what you want from your career and how to achieve it. Our program focusses on employability and future skills development that will compliment your study.

At the end of the program, you’ll have the opportunity to apply and potentially receive an early offer for our Graduate Program the following year.

Summer Intern Program streams

Our intern program will see you choose one of our core business streams.

Strategy and innovation

Our Strategy and Innovation team are critical to helping us achieve our ambitions. The team works across our business to shape the future of our organisation. With a clear plan and focus on action, they enable us to better serve our customers and communities.

We’re looking for students who are curious, strategically minded and focused on delivering actionable insights.

This program stream is held in Melbourne.

Risk

Risk management is vital at NAB to protect our customers and enable sustainable performance for the NAB group. Maintaining a strong risk governance and framework originates at board level and flows down through the organisation.

You’ll discover how we provide strategic enterprise wide risk review and advice on various types of risk at NAB using policy, data and analytics.

This program stream is held in Sydney and Melbourne.

Business banking

We’re passionate about providing specialised financial products, market insights and advice to help our customers thrive across different industries. We have a focus on small to medium business. You’ll learn about building relationships with customers to help them achieve their goals.

This program stream is held in Sydney, Melbourne, Perth & Brisbane.

Private wealth

Private Wealth is an integrated team of specialists in banking, investments and advice from NAB Private Wealth, JBWere, and nabtrade. We’re responsible for the seamless delivery of tailored banking, wealth and investment solutions to meet our client’s unique needs and ambitions, wherever they are in their lifecycle.

This program stream is held in Sydney and Melbourne.

People and culture

We are enablers to NAB’s strategic ambition and custodians of our colleague experience. We focus on making our HR services simple and easy for our people to do their jobs and serve customers well. We provide great data and insights to help our leaders make sustainable workforce decisions.

This program stream is offered in Sydney and Melbourne.

Corporate and institutional banking

We finance corporate growth, provide specialised financing solutions and create value through working capital and global transactions. You’ll work with industry specialists to provide solutions for our customers in their relevant markets.

This program stream is offered in Sydney and Melbourne.

Personal Banking

Experts in more than money, we’re making banking simpler and easier with brilliant products. Every day we have over 3.2 million customer interactions which may be via our digital platforms, one of our branches, through or contact centres or broker channels. Support continuous innovation, investment in digital and transformation by working alongside talented professionals who focus everyday on making it easier, and safer for our customers to access our services, home lending an everyday banking products. 

This program stream is held in Melbourne & Sydney. 

Finance

Our Finance Team partner with the business to deliver accurate management and financial accounting outputs. We provide specialist advice and insights by leveraging data and technology to support strategic decision creating value for our colleagues, customers and shareholders. Our team is responsible for NAB Group’s finance activities and investor relations through assisting in the preparation of reports, transforming complex financial and non-financial data, and ensuring effective controls are operating in line with policy requirements. 

This program stream is held in Melbourne. 

Experts in more than money, we’re making banking simpler and easier with brilliant products, delivering the great Australian dream for our 5 million customers. Every day we have over 3.2 million customer interactions. This may be via our digital platforms, one of our branches, through our contact centres or broker channels.

The way our customers need and want to bank with us is changing. We’re responding to evolving customer preferences and are focused on creating an effortless digital banking experience.

With the passion and innovation of a FINTECH and the resources of a major bank, our colleagues are empowered to continuously challenge the status quo through automation and digitisation, across the end-to-end customer experience.

Through our continuous innovation, investment in digital, and transformation of the way we work, we’re making it easier and safer for customers to access our services and brilliant home lending and everyday banking products.

Our Personal Banking Graduate opportunities are based in Melbourne and Sydney.

WHAT WE LOOK FOR IN A PERSONAL BANKING GRADUATE

We’re looking for curious and creative graduates wanting to join a fast-paced business continuously challenge the status quo through automation and digitisation. We want graduates who are deeply passionate about customers, with strong commercial skills and digital literacy. Using your analytical and strategic thinking skills, and through disciplined execution, you will deliver outcomes that impact our 5 million customers.

In addition to a passion for delivering exceptional customer service, graduates for this stream are likely to possess one of the following degrees/ majors:

• Business
• Business Analytics
• Business Information Systems
• Commerce
• Computer Science
• Data Analytics
• Data Science
• Digital Technology
• Information Technology
• Innovation and Design
• Management
• Marketing
• Project Management
• Technology

OUR TEAMS

You’ll complete 3 rotations, each providing you with the opportunity to deliver meaningful work to develop the critical skills and knowledge for an exceptional career in Personal Banking. This may include:

• Home Ownership or Personal Everyday Banking
• Lending Assessment and Enablement
• Digital Experience and Engagement
• NAB Retail or NAB Direct
• Citi Consumer

THE WORK YOU’LL DO IN PERSONAL BANKING

• Work on transformation initiatives contributing to our strategic growth and performance ambition
• Contribute to developing strategies to improve and digitise the customer experience
• Work on transformation initiatives contributing to our strategic growth ambition
• Work with product colleagues to analyse customer needs and market trends, and develop customer propositions
• Protect customers and colleagues by strengthening and automating controls
• Support the development of communication campaigns
• Utilise your analytical capabilities to identify and present opportunities
• Undertake research to develop market and competitor insights
• Collaborate with different teams across NAB to deliver to client needs
• Engage with customers and support the delivery of outstanding signature service with every interaction

WHERE PERSONAL BANKING CAN TAKE YOU

Our graduate program is designed to develop and grow capabilities for our leading Personal Banking talent. Our gradates transition into a range of exciting roles across Personal Banking, including opportunities in Digital, Product, Transformation, Business Strategy, Lending, Branch Effectiveness and Financial Crime. With so many options you’ll find your fit and grow a successful career

We’re transforming our business, setting up the bank for the future. Technology is at the heart of this change to deliver great experiences to our customers and colleagues. Technology at NAB is an inclusive place for innovation and inspiration. Our team is one of the largest in Australia, working on world-class in-house platforms and connecting across all areas of NAB. Our business provides a wide range of technical challenges and opportunities for talented people who want to be a part of engineering innovation at scale.

Our technology graduate programs are available in Melbourne

WHAT WE LOOK FOR IN A TECHNOLOGY GRADUATE

We’re reimagining how we do tech at NAB and we’re looking for innovators, dynamic disrupters and ambitious leaders to help us deliver. We’re looking for graduates who love to solve problems by writing code and designing software systems. Our graduates have a curiosity about technology and a personal commitment to continuous learning and development.

You’ll need to have studied a major in technology to be eligible for this program in conjunction with one of the below degrees:

• Business Information Systems
• Computer Engineering
• Computer Science
• Digital Technologies
• Information Technology
• Programming
• Software Engineering
• Robotics
• Mathematics
• Mechatronics
• Civil Engineering
• Mechanical Engineering

THE WORK YOU’LL DO 

• Whilst Technology at NAB is a large and varied department, we’re specifically looking for Software Engineering and Development Operations talent.
• Work with Business Analysts to analyse business processes, procedures and user requirements in order to establish system requirements
• Develop solutions and specifications so that agreed requirements can be converted into functional systems
• Participate in system design including production of system and program documentation as well as ongoing maintenance
• Achieve key Systems Development Life Cycle stages in terms of quantity, timing and quality of all aspects of work allocated
• You will have premium access to several cloud and development learning platforms where you can upskill and improve your technical skills.

WHERE TECHNOLOGY CAN TAKE YOU

Our graduate program is designed to develop the foundations for our leading technical talent. You’ll enhance your understanding of software engineering principles and how they apply in our enterprise environments. Once you have successfully completed the graduate program, you can expect to transition into an Engineer Analyst role or similar.

Data Analytics teams are at the core of our business. We see data as the currency of the future. We unlock data to provide insights, drive impactful decisions, serve our customers better and transform our business.

Building internal data talent is a priority area for NAB as we position ourselves for the future.  Customer expectations continue to rise as competition drives innovation.  It is the acceleration of how data is deployed that will help us create better customer experiences and deeper personalisation. Our people lead, inspire and drive projects and solutions throughout the enterprise to deliver strategic business outcomes. We connect with data, develop and enhance technology services, manage transformational change and implement new ways of working. Our key value lies in the use of data to contribute to building a sustainable NAB.

PROGRAM LOCATION

• Melbourne

WHAT WE LOOK FOR IN A DATA ANALYTICS GRADUATE

We’re looking for graduates who love data and want to leverage the power of data for creating customer value. Graduates who are curious, strategically minded and focussed on delivering actionable insights. You’ll have an ability to understand and manipulate complex data to identify hidden patterns and potential issues.

All degrees with a strong quantitative & analytical focus will be considered including: 

• Actuarial Science
• Computer Science
• Data Science
• Economics
• Engineering 
• Mathematics
• Physics
• Psychology
• Science
• Software Engineering
• Statistics

THE WORK YOU’LL DO 

• Work with a diverse range of datasets and analytics to improve the customer experience
• Use your analytical capabilities to help make data-driven decisions and applying advanced analytics to discover insights through data science, automation and artificial intelligence
• Use process engineering methodologies to drive operational excellence, process automation, process standardisation, re-engineering and optimisation
• Use advanced analytics and machine learning techniques to discover actionable insights, or build new analytic capabilities for our customers and business
• Technical operations from the ground up including planning, communications, and execution
• Working with supportive and credible leaders who will provide coaching, mentoring and help enhance your networks
• Connecting with key stakeholders on exciting projects to enhance the customer experience
• Be supported to become Cloud Certified

WHERE DATA ANALYTICS CAN TAKE YOU

Our program allows you to build a career and specialise in data analytics. Post program, graduates have successfully transitioned into Analyst roles within Data Science, Modelling and Analytics teams roles across the bank. 

Our Markets team utilise Sales, Trading and Research expertise to provide local and offshore customers access to both traded and illiquid markets, including fixed income, money markets, credit, derivatives, currencies and commodities. This includes trading between all types of banks, superannuation funds and domestic and multi-national companies. Our business covers every segment of the corporate and investor markets, from global supranational through to High Net Worth customers looking to build their investment portfolio.

PROGRAM LOCATION

• Melbourne
• Sydney

WHAT WE LOOK FOR IN A MARKETS GRADUATE

We’re looking for disciplined graduates who have a passion for building a career in areas like trading, sales, economic research or quantitative research. Graduates who are great communicators, enjoy solving quantitative problems, are comfortable working with numbers or code to find a solution, and are looking for a high level of personal ownership. Graduates who want to be part of a dynamic environment where learning agility, attention to detail, complex problem solving and confidence are paramount.

Graduates for this stream also need to meet the following degree/major requirements:

• Actuarial Studies
• Applied Mathematics
• Computer Science
• Data Analytics
• Data Science
• Econometrics
• Engineering
• Finance
• Mathematics

Strong mathematic and/or programming skills (preferably C# or Python) are required for this role.

OUR TEAMS

Markets is made up of a variety of specialised teams including:

Foreign Exchange – Spot FX is used by customers as hedges to protect themselves against changes in FX rates, to refine their risk profiles or to speculate on FX moves. Our FX team is a leading provider of foreign exchange products in Australian and New Zealand markets and a major liquidity provider in all G10 currencies.

Interest Rate Derivatives – IR Derivatives are used by customers as hedges to protect themselves against changes in market interest rates, to refine their risk profiles or to speculate on rate moves. NAB is recognised as a leading market-maker and liquidity provider in AUD and New Zealand dollar (NZD) interest rate markets.

Commodities – We provide customers with solutions to manage their exposure to commodity price movements, along with structured commodity investment opportunities.

Investor Sales – Our team covers clients with an ‘investor’ profile including banks, sovereigns, asset managers, hedge funds, superannuation firms and high net worth individuals. We bring a complete enterprise to enterprise approach involving product and platform solutions across Fixed Income, FX, Derivatives, Structured Products & Deposits.

Market Solutions – Our Markets Solutions team works closely with our customers on opportunities to improve yield outcomes, reduce costs, access collateral and protect capital.

Research – Research provides coverage of the Australian and New Zealand economies, as well as analysis and trading strategies for foreign exchange, fixed income and commodities. You may be familiar with their podcast The Morning Call which is extremely popular with clients and other market participants!

XVA – This desk centralises valuation adjustments on derivatives across the business to hedge credit and funding risks and determine capital requirements under bank capital adequacy rules.

Quantitative Research – This team provides quantitative solutions to Markets and other business areas across several asset classes. The solutions delivered range from front office tools or “apps” to quantitative infrastructure to bespoke analysis and consultation services.

THE WORK YOU’LL DO 

• Use your skills to support local and global customers across sales, trading, economic and quantitative research functions within our financial markets business.
• Provide technical, analytical, administrative and direct client support.
• Analyse data to derive innovative insights and perform market analysis.
• Develop an ongoing awareness and understanding of global markets, market dynamics and risk appetites.
• Contribute to complex financial models to evaluate hedging strategies.
• Develop and contribute to programming solutions to problems faced within the business including involvement with trading tools and e-trading processes.
• Get involved with industry research, insights presentations, strategic initiatives, transformation programs and regulatory responses.

WHERE MARKETS CAN TAKE YOU

Our graduate program is designed to develop the foundations that will transition you into a successful and long-term Financial Markets career.

We’re Australia’s leading business bank with a team of professional bankers across Australia, providing general and specialist banking advice to small and medium sized enterprises and investors. We’re passionate about providing tailored financial products, market insights, advice and specialist industry support. We’re all about building true partnerships with our customers and enabling them to grow and succeed.

We're transforming our business to be simpler, faster and safer, to give our customers the best banking experience possible. Our customers bank with us because of our expertise and our ability to serve them well every day. We have a laser focus on getting the basics right to deliver what we promise and making it easy for our customers to deal with us.

PROGRAM LOCATION

• Melbourne
• Sydney
• Brisbane
• Perth
• Adelaide

WHAT WE LOOK FOR IN A BUSINESS BANKING GRADUATE

We want to continue to be the market leader in business banking and need exceptional business bankers who are commercially and digitally savvy, to deliver our customers a world-class experience. 

We want graduates who have a genuine enthusiasm for supporting our customers and leverage their local market knowledge and financial acumen to deeply understand our customers financial requirements. We believe in building strong relationships and we get on with it and follow up until it’s resolved.

We’re looking for graduates who have a real passion for building a long-term career in business banking and see a future in managing their own portfolio of customers. We welcome applications from all disciplines.

OUR TEAMS

You’ll complete 5 rotations across our end to end business to ensure you develop the critical skills and knowledge for a career in business banking. This may include:

• NAB Business Relationships
• Customer Lending Solutions
• Business Lending
• Business Everyday Banking 
• Data, Analytics & Strategic Execution
• Risk
• Business Direct and Small Business

THE WORK YOU’LL DO 

• Develop and build strong customer relationships
• Perform credit analysis, financial modelling and interpretation of customers financial information
• Deliver superior customer service by managing the end to end lending process
• Support bankers to provide tailored and integrated financial solutions
• Use direct and digital channels to support our customers’ everyday needs
• Construct facility renewals and business lending proposals with rationale for approval
• Proactively identify and fulfil sales opportunities
• Develop an understanding of bank products to match our customer needs
• Assist in the acquisition and onboarding of new customers

WHERE BUSINESS BANKING CAN TAKE YOU

Our program is designed to develop the foundations for a successful career in busines banking, with graduates transitioning into Associate roles post program, kick starting a career as a Business Banker.

Our expertise is partnering with our Corporate, Government and Institutional customers to provide world class global solutions. Our business brings together teams of specialists to provide a full range of debt structuring, funding solutions, research, trading, and custodial services.

PROGRAM LOCATION

• Melbourne
• Sydney

WHAT WE LOOK FOR IN A CORPORATE & INSTITUTIONAL BANKING GRADUATE

We’re looking for passionate graduates who are interested in understanding global and competitor trends, market conditions and their impact on customers. Graduates who are comfortable analysing financials and data, critically evaluating alternative approaches and have agility to adapt within a dynamic and fast-moving environment. Anchored to this will be proactivity and a tenacity and resilience to push forward and deliver high quality outcomes. 

Graduates for this stream also need to meet the following degree/major requirements:

• Business
• Commerce
• Computer science
• Data science / analytics
• Econometrics
• Economics
• Engineering
• Finance
• Law
• Mathematics
• Science
• Technology

OUR TEAMS

Corporate and Institutional Banking is made up of a variety of specialised teams that focus on delivering the best client relationships: understanding and supporting clients over the long term, providing consistent execution and proactive relevant advice. Below are examples of teams where you may complete a rotation.

Corporate Finance

Corporate Finance is responsible for all financing activity in Corporate & Institutional (C&IB). This team manages the balance sheet for C&IB, while providing global financing solutions for our customers in the relevant markets.  The team service their customers where they do business internationally, with a long-established presence and capability in Asia, Europe and North America. Activity includes corporate lending, syndication, debt capital markets, project finance, securitisation, and asset and custody servicing. Corporate Finance comprises of 6 performance units: Capital Markets, Specialised Finance, Asset Finance & Corporate Services, Client Management & Execution, Portfolio Distribution, and Lending Transformation.

Client Coverage

Client Coverage are responsible for banking and sales relationships with Corporate and Institutional clients in Australia and Internationally, as well as interactions with financial regulators.  Client Coverage teams are located both in Australia and Internationally with teams organised around industry 'Super Sectors'. Super sectors include Resources, Infrastructure and Government (RIG); Financial Institutions Group (FIG); Corporate; and Consumer, Real Estate and Diversified Industries (CREDI).

Transactional Banking & Enterprise Payments

NAB is a market leading provider of transaction banking services to Corporate and Institutional clients in Australia. We’re an end to end business and are guided by a clear purpose to create payments, cash and liquidity efficiency to support our clients’ strategic objectives. Our team is made up of specialists across Payments, Trade Working Capital Finance and Transactional Banking.

THE WORK YOU’LL DO 

• Assist in the relationship management of our large corporate and institutional customers.
• Analyse and interpret complex financial information to provide appropriate recommendations.
• Assist in structuring and execution of transactions including preparing credit submissions and employing financial modelling where required 
• Actively participate in deal teams and support the deal process
• Develop an ongoing awareness and understanding of market risk, industry knowledge and risk appetite.
• Provide technical, analytical, administrative and direct client support.
• Provide innovative funding solutions and access points to global capital markets.
• Get involved with industry research, insights presentations, strategic initiatives, transformation programs and regulatory responses.
• Support Banking Specialists in delivering transactional support and solutions
• Contribute to Corporate & Institutional Banking goals

WHERE CORPORATE AND INSTITUTIONAL BANKING CAN TAKE YOU

Post program completion our graduates transition into Analyst roles with a structured career path to building a rewarding career Corporate and Institutional Banking.

Our Finance Teams are trusted partners of the business and enable NAB to deliver on our strategic ambition. We provide specialist advice and insights by leveraging data and technology. We’re responsible for NAB Group’s finance activities, investor relations, and through our Treasury team we are also responsible the management of NAB’s liquidity, capital, funding and balance sheet.

PROGRAM LOCATION

• Melbourne

WHAT WE LOOK FOR IN A FINANCE GRADUATE

We’re not looking for your traditional Finance graduate. We’re looking for Finance graduates of the future. Curious graduates that are highly analytical, enjoy process improvement and are passionate about making the complex simple. Graduates who want to develop their financial analysis and accounting skills to play a core role in the transformation of how we do Finance at NAB. 

We offer 2 Business Streams within our Finance Graduate Program. You’ll need to choose a stream from the list below to specialise in an area of interest.

Group Treasury – Group Treasury operates on behalf of NAB Ltd to manage our capital, funding and balance sheet management needs. We provide market leading advice, financial resources and balance sheet risk skills to deliver strong capability to all of our businesses.

Group Treasury graduates will need to have a degree/major in one of the following fields:

• Commerce
• Economics
• Finance

Group Finance/Finance Partnering Teams – We partner with the business to deliver accurate management and financial accounting outputs. We provide specialist advice to support strategic decision creating value for our colleagues, customers and shareholders.  We’re looking for graduates to join us and help drive our simplification and digitisation agenda. Graduates with strong accounting and data capabilities who seek to leverage technology to deliver improved and sustainable business outcomes.

Graduates applying for this stream will need to have an Accounting major with additional studies in one of the following fields:

• Automation
• Business/Data Analytics
• Computer Science
• Data Science
• Engineering
• Technology

THE WORK YOU'LL DO IN GROUP TREASURY TEAMS

• Assist in the provision of product control, accounting support and financial analysis
• Assist in Funds Transfer Pricing activities
• Provide support in the preparation of key reporting packs and our group financial results
• Perform liquidity and rates modelling processes
• Undertake portfolio analysis

THE WORK YOU’LL DO IN GROUP FINANCE/FINANCE PARTNERING TEAMS

• Assist in the preparation of CFO reports, Quarterly Business Reviews, External reports and accounting activities
• Undertake Assurance activities
• Contribute to effective controls that are operating in line with policy requirements
• Utilise your process improvement capabilities to identify and drive simplification and process re-engineering initiatives
• Source relevant datasets to test hypotheses and Identify trends and patterns to assist in the decision-making process
• Transform complex financial and non-financial data into simple and actionable insights
• Develop and enhance your technical capabilities with the use of tools such Microsoft suite, Think-Cell, Tableau, ThoughtSpot, Python, R, and Power Bi

Our Finance Graduates are also active participants in the progression of our Finance Strategy initiatives and supporting the digitisation of finance activities.

WHERE THIS FINANCE CAN TAKE YOU

Graduates successfully transition into Analyst and Associate roles across our various Finance teams providing diverse opportunities to specialise and build a rewarding and long-term career as a Finance Professional.

We manage the risks that exist in all areas of the business and the environment in which we operate. We help maintain a strong risk governance and framework that originates at board level and cascades down through the NAB group. We contribute to NAB’s sustainability and resilience by partnering through the provision of risk insight, appetite and oversight.

Our risk teams provide a critical role in ensuring we deliver a great customer experience strengthened by the right risks, right controls and right returns. We help our people do the right thing to ensure our business is sustainable for the long term.

PROGRAM LOCATION

• Melbourne
• Sydney

OUR TEAMS

You’ll complete rotations across our business ensuring you develop the skills and knowledge essential for a rewarding career in Risk. This may include:

• Credit & Market Risk 
• Compliance Risk
• Operational Risk
• Chief Risk Officer teams
• Enterprise Controls and Processes
• Resilience Risk
• Risk Performance & Analytics

WHAT WE LOOK FOR IN A RISK GRADUATE

We’re looking for analytical graduates who like to collect and analyse data to enable the right customer outcomes. Big picture thinkers who can break it down to find actionable solutions and opportunities. Graduates who are strong communicators, see the value in building relationships and have a passion for making the complex simple.

You’ll also need to have a degree/major in one of the following fields:

• Accounting
• Computer Science
• Data Analytics
• Finance
• Mathematics
• Statistics
• Commerce
• Actuarial Science
• Engineering
• Law
• Science

THE WORK YOU’LL DO 

• Learn about the various risk types and functions within our industry and across the NAB Group 
• Analyse risks, compliance obligations, controls, events and change initiatives to identify weaknesses/deficiencies
• Develop risk data analytic capabilities to deliver risk reporting, stress testing and financial/scenario modelling
• Partner across the organisation to provide specialist support and advice
• Develop an understanding of the Risk Ways of Working
• Help shape policies to ensure sound risk management
• Assist in the development and delivery of effective risk frameworks
• Promote an effective risk culture across the NAB Group

WHERE RISK CAN TAKE YOU

Our Graduate Program is designed to lead to a professional career in Risk. Graduates are provided the opportunity to specialise and transition into Analyst roles within one of our many teams such as Operational Risk, Credit Risk, Resilience Risk, Stress Testing and Risk Partnering, to name a few. 

The People & Culture team supports NAB by developing and managing our people activities and services, helping to shape a workplace and culture which inspires our colleagues to be the best they can be. We are enablers to NAB’s strategic ambition and custodians of our colleague experience. We focus on making our HR services simple, safe and fast for our colleagues to do their jobs and serve customers well. We provide great data and insights to help our leaders make sustainable workforce decisions.

PROGRAM LOCATION

• Melbourne

WHAT WE LOOK FOR IN A PEOPLE & CULTURE GRADUATE

We’re looking for commercially savvy graduates who are inclusive, compassionate and seek to drive positive outcomes for others. Graduates who are curious to find world class examples and leverage the power of data for creating colleague and customer value. We want graduates with numerical capabilities who can help us transform to be a strategic and data led HR function.

In addition to a passion for people you’ll also need to have a degree/major in the following fields:

• Business/Commerce
• Human Resources
• Law
• Management
• Psychology
• Social Science
• Project Management

THE WORK YOU’LL DO 

• Work across major People & Culture projects
• Contribute to research, strategy and initiatives across the HR portfolio
• Use your analytical capabilities to help make data-driven HR decisions
• Support employees with HR policy advice
• Simplify and standardise HR policies and processes

WHERE PEOPLE & CULTURE CAN TAKE YOU

Our graduate program is designed to lead to a career in People & Culture. Our graduates successfully transition into an Analyst role within one of our many teams, providing diverse opportunities to specialise.

Private Wealth is an integrated team of specialists in banking, investments and advice from NAB Private Wealth, JBWere and nabtrade. We’re responsible for the seamless delivery of holistic banking, lending, wealth and investment solutions to meet our client’s unique needs and ambitions, wherever they are in their lifecycle. With integrity, expertise and passion the team unite in delivering exceptional advice and enduring client relationships. 

We provide expertise in the areas of:

• Wealth and investment strategies and services for high net worth individuals, families, institutions and for-purpose organisations (JBWere)
• Private banking for high net worth customers, retirees, investors, entrepreneurs and business owners (NAB Private Wealth), and
• Online share trading capability for self-directed investors (nabtrade)

PROGRAM LOCATION

• Melbourne
• Sydney

OUR TEAMS

You’ll complete 3rotations across our end to end business ensuring you develop the skills and knowledge critical for a career in Private Wealth. This may include:

• Private Banking
• JBWere
• Self-directed wealth
• Strategy & transformation

WHAT WE LOOK FOR IN A PRIVATE WEALTH GRADUATE

We’re looking for graduates who have a good understanding of financial markets and investments. You will be commercially astute, digitally literate and are passionate about delivering service that is professional, compliant and high calibre. You’ll have excellent interpersonal skills and seek to provide unique and differentiated banking and investment insights to high net worth individuals and families.

You will need a degree or major from the following preferred areas:

• Accounting
• Business
• Commerce
• Economics
• Finance
• Law

THE WORK YOU’LL DO 

• Work with a team of Private Bankers to provide tailored banking solutions for High Net Worth customers
• Develop and build strong customer relationship skills
• Construct lending proposals tailored for High Net Worth individuals
• Work with our teams that provide strategic advice across areas such as investment and portfolio management, cash-flow planning, superannuation and retirement planning
• Actively support both transactional and full portfolio management services
• Collaborate with different teams across NAB to meet client needs
• Develop an understanding of both banking and investment products and services
• Participate in strategic projects to support the growth and performance of the business.

WHERE PRIVATE WEALTH CAN TAKE YOU

Our Graduate Program is designed to lead to a career in our Private Wealth business. Once you have successfully completed the program you can expect to join a team working with Private Bankers, advisers and clients.

How the Financial Markets Summer Intern Program works

Our Financial Markets summer internship is for undergraduate and postgraduate students in their second last year of study. It’s a bespoke four-week paid program run over the university summer break where you’ll learn all about our fast-paced global financial markets team.

Our Markets team use sales, trading and research expertise to provide local and offshore customers with access to both traded and illiquid markets, including fixed income, money markets, credit, derivatives, currencies and commodities. This includes trading between all types of banks, superannuation funds and domestic and multi-national companies. Our business covers every segment of the corporate and investor markets, from global supranationals through to high-net-worth customers looking to build their investment portfolio.

Through a series of tailored rotations across different teams within our financial markets business, you’ll discover the value we create for our clients whilst building core knowledge across foreign exchange, interest rates, credit and commodities markets. You'll experience a dynamic work environment and be supported with learning sessions, networking with senior leaders, trading simulation games and a dedicated support network. This highly bespoke program is an investment into your future career as a financial markets specialist.

At the end of the program, you’ll also have the opportunity to apply and potentially receive an early offer for our Graduate Program the following year.

This program is offered in Sydney only.

What we look for 

We’re looking for disciplined and high performing students who have a passion for financial markets and are looking to build a career in areas like trading, sales, economic research or quantitative research. We’re looking for a diverse range of skills and we recruit from a wide range of degrees. Among other things, we’re looking for students with great communication and interpersonal skills, students who enjoy solving quantitative problems, or students who are comfortable working with code to find a solution. Above all, we arere looking for students with a high level of personal ownership and learning agility. We want our successful applicants to be part of a team where attention to detail, complex problem solving, and confidence are paramount.

More information on the different teams within Markets can be found here: Learn about careers in Markets | Graduate careers - NAB

Eligibility for our Summer Intern Program 

You’ll need to make sure you meet the following requirements.

Citizenship and visa requirements

• You’ll need to be an Australian or New Zealand citizen, or be an Australian or permanent resident at the time of applying for the program.

Tertiary education requirements

• You’ll need to be in your second last year of an undergraduate or postgraduate degree and due to complete your degree by December 2024.

Application and selection process 

You’ll need to complete the application form. This is where you’ll get the chance to tell us about yourself and nominate your chosen business area. You’ll also need to upload your academic transcript.

If you’re successful, you’ll progress to an online assessment, video interview and finally an engagement centre. Engagement centres are held by the business area and completed in person (or virtually when required).

A culture of inclusivity and diversity

Our customers come from all walks of life and so do we. Build your career with an organisation that celebrates and thrives on the differences in our people. We promote an inclusive culture that supports every employee at every stage of their lives and career. We embrace diversity of thought and background, recognising our people for who they are and the value they bring.

So regardless of your gender, your age, or your background, there's room for you to realise your potential here. And importantly, there's room to be yourself. Find out more about our diversity and inclusion initiatives.

A community minded organisation

It feels good to be part of an organisation that cares about its community. We're committed to doing the right thing and at heart of our approach is to make a positive and sustainable impact on the lives of our customers, colleagues, shareholders, communities, and on the environment in which we operate. We leverage our skills as a bank to manage environmental, social and governance risks to create business innovation and opportunities that matter.

Our social impact agenda is seen in all parts of our organisation and as a graduate you’ll have the opportunity to be involved.

Why is this important?

Employment is much more than simply receiving an income. Economic independence and stability, financial capability, career prospects and greater confidence come with having a real job. We leverage our strength as a bank and one of Australia’s largest employers, to provide work opportunities for Australians and Aboriginal and Torres Strait Islander people.

What do we do?

We continue to offer a range of initiatives including school based and adult traineeships, internships and general recruitment for Indigenous Australians. While the employment program opens doors and provides training and support, our Indigenous employees work hard to create their own success.

We’ve invested in growing the pipeline of Indigenous employment

We provide school based traineeships for students in Year 10-12 and adult traineeships for individuals interested in a career at NAB. During the traineeship, trainees complete a Certificate II or III in Business, receive on-the- job experience at our branches and head offices around the country; and receive mentoring from our employees and external partners.

We’ve provided internships to university students

Internships are for university students seeking a career in financial services. Internships are managed in partnership with CareerTrackers and are designed to build each student’s confidence, skills and abilities in the workforce as well as exposure to a corporate working environment.

We’re looking to open more doors

We are always seeking great candidates interested in joining NAB. If you’re interested in joining us, please email us - [email protected]

We’re improving cultural awareness across the business

We provide a range of opportunities for our people to lift their understanding and actively get involved through our cultural awareness initiatives. This includes cross cultural training, specialist experiences for our senior executives, employee secondments to the Kimberley region WA and skilled volunteering.

More room to be yourself.

We've always taken pride in being a company that supports people for who they who are, no matter what their sexual orientation or gender identity.

Our NAB Pride employee resource group provides a fantastic support network for our employees who identify as lesbian, gay, bisexual, transgender or intersex (LGBTQIA+), and continues to raise awareness across the organisation. The feedback is that NAB Pride is a big part of the reason that more and more LGBTQIA+ employees are coming to work each day feeling comfortable in their own skin.

We also work with external partners like Pride in Diversity, the only not-for- profit workplace program in the country designed specifically for the LGBTQ community. Pride in Diversity run the Australian Workplace Equality Index (AWEI), and this year, we were awarded a 'Silver Status'.

We love getting out and about in the community. While the list is always growing, some of the key event’s that we’re proud to be a part of include International Transgender Day of Visibility, International Day Against Homophobia, Transphobia and Biphobia, Wear It Purple Day, Pride Month Australia, World Aids Day. We’ve also been the proud principal partner of Midsumma Festival in Melbourne since 2013 and partnered with the AFL to create the NAB Challenge Pride match, which raised awareness and acceptance of LGBTQIA+ communities in sport.

Additionally, we partnered with Pride in Diversity, to host internal LGBTQIA+ Awareness Training Sessions across Australia to increase the awareness of workplace inclusion.

We want our LGBTQIA+ employees and customers to be proud of who they are, because we’re just as proud to stand alongside them.

Why is this important?

We know that to fulfil our vision of being Australia’s leading bank, trusted by customers for exceptional service, we need to be good with money and get the basics right. With more than 33,000 of our people helping more than 9 million customers with their banking needs, we need to be good with people too.

There are more than 4 million Australians living with disability1, and so it is important that we design our products and services with accessibility in mind. A culture of accessible products and services is central to great customer experiences and a positive working environment for our people.

What do we do?

We’re committed to providing exceptional service for customers – not only by getting the basics right, but also going above and beyond to develop trust. We do this by building genuine, lasting relationships, as well as innovative, world-class products and support.

The 2019 - 2020 Accessibility Action Plan is one of many ways we’re doing this. At its heart are actions to listen and respond to customers, and support our people by providing a great place to work.

To achieve this, we’ve focused on four key areas:

• Inclusive and universal design when developing products and services.
• Embedding an inclusive culture through the stories we tell and recognising our diverse workforce and community.
• Listening to our customers and acting on feedback.
• Increasing the disability confidence of our people to create an environment that anticipates, and seamlessly accommodates, diversity.

Central to everything is a commitment to create more of what matters to our customers, people and communities – and accessibility is an important part of this.

You can read more about this and our commitment to our people, customers and communities in the Plan below.

Download the Accessibility Action Plan 2019 - 2020 (PDF, 585KB)

Download the Accessibility Action Plan 2019 - 2020 (Word doc, 267KB)

Download the Accessibility Action Plan 2019 - 2020 Easy English (PDF, 1.9MB)

Download the Accessibility Action Plan 2019 - 2020 Easy English - Accessible (PDF, 732KB)

Note: The Word document version maximises accessibility when used with a screen reader. Please email us at [email protected] if you would like us to provide the plan in an alternative format.

[1] (18.3% or 4.3 million people) Australian Bureau of Statistics (ABS), ‘Disability, Ageing and Carers, Australia: Summary of Findings, 2015’

Everyone's welcome to work for us - regardless of their ethnicity, sexual orientation, gender, or any disabilities they might be living with.

But inclusion means more than opening our doors to people from all walks of life. It means encouraging those people to be the best they can be and it means making them feel valued - not only for the great work they do, but also for the qualities that make them unique.

We're always working to ensure this inclusive culture doesn't just exist, but that it allows our people to thrive - and that our differences are celebrated.

That's why we're providing better access and support for employees with disabilities, and ensuring our LGBTI employees aren't defined by their sexual orientation.

Every day, thousands of people come to work for us. And each time they walk through the doors, we want them to know how valued they are.

That's why we're committed to continue building a workplace that's as diverse as it's dynamic. The qualities that make each of our people unique aren't just embraced - they're valued. Because we know that when you feel completely comfortable in your own skin, you can fully realise your potential.

This spirit of diversity and inclusion is more than just an idea or a goal. It's a huge part of who we are. You'll see it in the executive teams, right through to the local branches and the relationships our staff are building with our equally diverse customers.

So regardless of your gender, your age, or your background, there's room for you to realise your potential here. And importantly, there's room to be yourself.

You can access our Diversity and Inclusion Policy (PDF, 77KB).