Suncorp has elevated the chief financial officer of its banking and wealth division, David Carter, to the top job in the division, replacing John Nesbitt who announced his retirement in June.The appointment is an important one for Suncorp, which merged its banking and wealth businesses in a restructure announced early this year.Suncorp chief executive Michael Cameron, who has been in the job for a year, wants a much stronger emphasis on customer service and has created new executive roles - chief customer experience officer and chief executive officer customer platforms.The group is moving to a digital marketplace model, loosely based on Apple's iTunes platform.Announcing the changes in February, Cameron said: "The customer platforms function will create dynamic and interactive platforms to allow customers to access any product and any brand via any channel, including a digital marketplace."The timing of Nesbitt's retirement was not ideal for implementing the strategy, which can now proceed full steam ahead under Carter.Carter has been at Suncorp for ten years and has been involved in shifting the regulatory base of the bank from a standardised approach to setting risk weights for regulatory capital to an advanced approach.The group announced two other management changes yesterday, splitting the chief risk and legal officer roles.Fiona Thompson, a 15-year veteran at Suncorp and most recently chief risk and legal officer, has been appointed chief risk officer.Kate Olgers has moved from Commonwealth Bank, where she was executive general manager legal, to become chief legal officer at Suncorp.In July Patrick Farrell moved from BT Financial Group to become Suncorp's head of investments.