Toby Gardner is a technology entrepreneur. He is a graduate of Curtin University and has worked for KPMG in Perth, but spent much of his career in Silicon Valley. He returned to Australia in 2014 after more than a decade in the US and Silicon Valley – gaining strategic, financial and operational advisory experience within industries going through disruptive innovation. He has worked on over $15bn of technology-related deals, from start-ups to global corporations. Mr Gardner holds an MBA from the University of California, Berkeley and is a Chartered Financial Analyst (CFA) charterholder. In 2016, he co-founded Melbourne-based fintech start-up Finch.