Callum has worked in banking for 16 years, during which he's held various leadership roles across Operations, Fraud Management, Credit Risk Management and Business Banking products. In his current capacity, Callum leads the Small Business Banking credit product group that's accountable for P&L management, credit policies and processes and automated credit decision business strategy.

Cherolle is a financial crime professional with over 22+ years of experience in the Canadian financial industry. She has extensive experience in retail, small business and commercial banking fraud and was responsible for the development and execution of fraud strategy (Canadian and U.S.) at two major Canadian financial institutions. As the fraud lead for the Financial Crimes practice at a top consulting firm she has supported the assessment, development, and implementation of fraud programs for many large businesses. At Equifax, Cherolle leads a team of analytic consultants that provide data and analytics expertise to help customers solve complex business problems related to fraud.

Cheryl Woodburn serves as Country Manager for Canada at Provenir, a global leader in data and AI-powered risk decisioning software. Cheryl manages all operations as Provenir responds to the record-breaking growth the company is experiencing in North America.

Cheryl has more than 25 years of experience in global software, analytics, data and technology markets, Prior to joining Provenir, Woodburn served as Vice President, Sales at Equifax. She also served in senior leadership roles at FICO and IBM, overseeing sales and customer success teams, sales enablement, and business operations. Cheryl received a Bachelor of Science degree from McMaster University in Hamilton, Ontario.

Chris has been with the bank for 20 years, during which he has held various management and leadership roles including VP & Head of North American Product –TD Auto Finance, SVP Life and Health Products –TD Insurance, SVP Human Resources –Corporate Functions, and most recently, SVP Retail Risk Management. In his current capacity as CRO and SVP, Wealth and Insurance, Chris is accountable for both Financial and Non-Financial risk oversight of the Global Wealth and Insurance business segments.

Chris has an Engineering Degree from the University of British Columbia and an MBA from Queens University. He is an avid skier and biker both of which he enjoys doing with his wife and two kids year-round.

Chris Ralph is a Principal Scientist in the Scores Research group at FICO, where he leads the design and development of Python-centric machine learning software solutions. His current area of focus is Data-Centric Artificial Intelligence (AI), leading a project to build an extensible, modular, and scalable “Augmented Intelligence for Feature Discovery” solution to maximize the value of new and alternative data sources for all FICO Score products. He also currently leads the FICO Scores Synthetic Data initiative focused on researching new solutions to enable data portability, improve data security, and enhance model robustness using novel augmentation & synthetic simulation techniques.

Chris’s professional experience spans a wide range of increasingly senior roles in Applied Research and Development, Analytic Consulting, Global Analytics Delivery, Applied Optimization, and Scores Advanced Analytics. He has led teams of data scientists, machine learning engineers, software developers, and analytic consultants in the development of modular software frameworks and related end-client solutions for mortgage, loan and deposit pricing optimization, marketing offer optimization, strategic segmentation, and credit risk modeling. He is a named inventor on multiple FICO patents and holds a BEng, Industrial Engineering and Operations Research, from Toronto Metropolitan University, and MBA in Information Systems, McMaster University.

Mr. Sweeney has more than 22 years of professional experience in the mortgage and banking industry. Since joining the Company in 1998, Mr. Sweeney has held senior positions in Operations and Business Development, including Director of Risk Operations and Director of Product Development. Mr. Sweeney received an honours Bachelor of Arts degree in Economics from Carleton University in 1994.

As Chief Risk Officer, Curtis has more than 20 years of financial services experience. Having worked in both Canada and the United States, his diverse background includes customer and risk analytics, capital and portfolio management (including pricing and risk management for capital markets and consumer loan portfolios), economic and regulatory capital allocation, financial software development, customer up-lift and response analytics, and credit cards portfolio management.

Prior to joining Canada Guaranty, Curtis served as the Director of Risk Methodology and Analytics for Consumer Banking at BMO Financial Group where he led a team that developed and maintained all areas of credit risk and capital analytics, models, strategy, and methodology for more than $190 Billion of consumer loan exposures in Canada and the U.S. Curtis holds an Honours Bachelor of Arts degree in Economics from the University of Calgary and an MA in Economics from Simon Fraser University.

A renowned evolutionary biologist, award-winning television presenter, and bestselling author, Dan Riskin has dedicated his career to igniting curiosity in audiences worldwide. Whether he's inspiring viewers as the co-host of Discovery Canada's flagship science program, Daily Planet; terrifying them as the host of Animal Planet's docu-horror show, Monsters Inside Me; or covering the latest news as CTV's Science and Technology Specialist, Riskin's passion and curiosity have made him an unparalleled source of science inspiration for all.

Riskin earned his scientific chops studying how bats move — famously putting vampire bats on a treadmill as part of his research. He earned his PhD from Cornell University, then worked as a scientist at Brown University and Boston University. Not only has he published his research in prestigious scientific journals, but he is also the author of the national bestseller Mother Nature is Trying to Kill You, and of the delightful and educational children's book, Fiona the Fruit Bat.

Renowned for his infectious humour and charismatic presence, Riskin has been interviewed about science by Anderson Cooper, Gayle King, Lisa LaFlamme, Don Lemon, Jay Leno, Charlie Rose, Peter Sagal, and many others. Craig Ferguson, who had Riskin as a guest on The Late Late Show eight times, once called him "my favourite scientist."

By stoking a childlike passion, Riskin gives audiences so much more than scientific "wow" facts. His keynotes, like his television shows, help individuals see their own curiosity in a new light, pursue their interests with more vigour, and tap into a deeper sense of inspiration. He will spark your audience's passions, leaving them invigorated to embark on their own journeys of exploration and discovery.

Emily Cheung is the Director, Data Analytics & Insights at Teranet. In her role, she is responsible for the end-to-end data lifecycle, from data curation, data pipeline and model development, through to analytics and insights, to deliver business value through data products and services, serving both internal and external stakeholders.

As a CPA, CA, Emily began her career at Teranet in Finance and was appointed to stand up an enterprise Data Analytics capability from scratch in 2016. Over the past 8 years, the Teranet Data Analytics capability has grown and matured significantly, and consistently contributes to business value generation, from operational efficiencies, product enhancements and development, to revenue opportunities.

Mr. Gaspar Csete is a director at the Office of the Superintendent of Financial Institutions within the Housing and Mortgage Risk Division. In this role, he has been responsible for identifying risks in the RESL space and coming up with responses to those risks as appropriate. He has been leading the effort on developing the Loan to Income ratio-based supervisory measure but has also been responsible for the annual calibration of the MQR.

Prior to his current role, he worked in the Industry Surveillance and Credit Risk Divisions of OSFI, where he helped coordinate different work streams across both the retail and wholesale risk areas. He took a leading role in several broader FRFI-facing initiatives, including work on CLPs, underwriting guidance, and setting expectations on innovative products in RESL.

Before joining OSFI, Gaspar spent his entire career at Capital One’s Canadian operations in a variety of first line roles, spanning from marketing strategy through collections, to digital product management, but spent the majority of his time in the second line credit risk management function. In this role, he was responsible for effective challenge on all credit strategies, he owned the provisions, stress testing, and was responsible for all economic analysis.

Gurjyot Singh is a Sr. Consultant on the Solutions Consulting team at TransUnion Canada. He works with customers in financial services to demonstrate how TransUnion's products and analytics can be applied to solve their critical business issues. Prior to joining TransUnion, Gurjyot gained extensive management consulting experience at Deloitte, EY, Accenture, and Carly Rian Group, where he led key strategic initiatives with clients in different geographies and industries, including two of the Big Five banks.

Jason Abbott currently serves as Provenir's Director of Fraud Solutions. His 17 years of experience brings expertise to Provenir's customers across all facets of fraud prevention in the retail banking, corporate, and wealth sectors. Prior to joining Provenir, he most recently managed application and onboarding at Chase UK, the UK's fastest-growing bank under JPMorgan. Preceding that, he led application fraud and unsecured lending at Barclays Bank and served as a card fraud prevention manager at HSBC.

Beyond his hands-on banking experience, he spent 3 years on the technology partner side of things as a Fraud Subject Matter Expert. In this role, he excelled in enhancing fraud detection products, developing innovative solutions, and collaborating with fraud prevention specialists globally, further solidifying his ability to connect with and support those in the financial services industry.

Katerina Kindyni is a Senior Manager in Financial Services Risk Management (FSRM) team of Ernst & Young. She leads the Sustainable Finance, Climate Risk and Risk Management practice in Canada, specializing in risk modelling, stress testing, net-zero strategies and portfolio management.

Based in Toronto, she promotes the effective management of financial risk with a combination of strong analytical skills and practical knowledge. Prior to joining EY, Katerina has held positions in areas such as credit risk modelling, portfolio management, stress testing and credit risk analytics. Her experiences also include the implementation and design of the IFRS 9 stress testing projection methodology, regulatory stress testing exercises (e.g. PRA, EBA) and capital management.

Katerina graduated from Johns Hopkins University in May 2019 with an MSc in Government Analytics. She also holds an MSc in Applied Statistics and Datamining, with Distinction, from St Andrews University and a BSc in Mathematics from the University of Cyprus. Katerina is currently pursuing an MBA at Imperial College London.

Katerina is a member of the Centre of Climate Finance & Investment of Imperial College London and a member of the Canadian Standardization Advisory Committee on ESG.

Kathy Catsiliras is the Data & Analytics VP for Analytical Consulting at Equifax Canada and has been with the organization for over 15 years in various roles all centered around Analytics. Kathy brings more than 20 years of experience in the area of Analytics, Risk Management, Strategic Planning and Leadership. She leads a national team ofConsultants that provide data and analytics expertise across Consumer, Commercial and Fraud business lines.

Lora is the Senior Vice President and Chief Risk Officer for Tangerine, Canada’s leading challenger bank. Lora provides strategic direction and oversight for Tangerine’s credit, operational, and enterprise risk. She is a results-oriented leader with proven experience driving innovation and building high performing teams. Tasked with managing the portfolios within risk appetite, Lora and her team are on the forefront of optimizing risk and reward by leveraging advanced analytics and best-in-class technology.

Marlene Lenarduzzi is an accomplished financial services executive with over 20 years of experience in Risk Management and Banking, where she steered operations, risk quantification, strategy development, planning and execution. She currently serves as Senior Vice President and Chief Risk Officer of Equitable Bank.

Prior to joining Equitable Bank, Marlene lead teams in Risk and Business at both BMO Financial Group and CIBC. Her extensive experience spans Retail and Commercial businesses and various risk types, including Credit, Model, and Market Risk.

Marlene is deeply committed to giving back to the community and holds several prestigious board positions. She currently serves as President of the Toronto Chapter of the Risk Management Association and is an active board member of the Young People’s Theatre as well as the Dean’s Advisory Board for the faculty of Engineering at McMaster University.

She holds a Bachelor of Chemical Engineering from McMaster University, a Master of Applied Science from the University of Ottawa and an MBA from the Schulich School of Business. Her diverse and stellar educational background, coupled with her two decades of experience in banking, gives Marlene a unique combination of technical skills and business acumen, which is reflected in her track record of delivering excellent results.
Outside of work, Marlene enjoys spending time with her husband and three daughters as well a large extended Italian family. When she is not steering risk committees or spending time with her family, you’ll find Marlene outdoors – hiking, swimming or digging in her garden.

Nadine Leblanc leads CMHC’s policy team, which provides evidence-based policy advice to ensure affordability and stability in Canada’s housing market. Meanwhile, as the executive in charge of Corporate Affairs, she is responsible for strategy and our ESG (environmental, social and governance) framework, corporate governance, communications and marketing activities, parliamentary affairs, correspondence, and briefings.

She also currently serves as CMHC’s interim Chief Risk Officer. She held this role previously through the COVID-19 crisis, leading the company’s crisis readiness planning and the creation of new financial stability programs.

Prior to working at CMHC, Nadine was a senior advisor at the Office of the Auditor General of Canada and was responsible for leading large Financial Crown Corporation audits, including CMHC’s financial audit.

Nadine joined CMHC in 2008 as part of the Finance team leading the development of major programs in response to the global financial crisis. She has also held the various executive roles at CMHC such as the Chief Audit Officer, the Chief Financial Officer as well as the position of Vice-President, Multi-Unit Underwriting.

Nadine is a CPA and holds a Bachelor of Commerce (Honours Accounting) from the University of Ottawa. In 2018, she received the prestigious Forty Under 40 award, which recognizes business leaders who give back to their community.

Mr. Akey is a financial services executive with over 25 years of risk management experience. Paul has held leadership roles at Scotiabank in Risk Management, Finance, Business Lines, Sales and Service. For the past 7 years Paul has been the Chief Risk Officer for Wealth One Bank of Canada where he is responsible for all aspects of Risk Management across the Bank. Acknowledged as an expert in various disciplines, he has effectively managed risk through the economic cycle and across the full suite of banking products.

Mr. Akey holds an undergraduate degree from the University of Guelph and an MBA from Dalhousie. He is active in his community and serves on several advisory boards and is frequently invited to participate in industry roundtables and discussions.

Randal Slavens joined Canada Guaranty in 2013 and is currently Vice President, Risk Management & Adjudication Strategy, where he is responsible for optimizing and managing all facets of the adjudication process. Prior to joining Canada Guaranty, Randal spent more than 10 years at TD Bank where he worked in a variety of roles including Risk Management, Real Estate Secured Lending and Treasury & Balance Sheet Management. Randal holds an MBA from the Rotman School of Management, a Master’s in International Affairs from Carleton University and a certification in Financial Risk Management.

Rebecca Oakes is the Vice President of Advanced Analytics at Equifax Canada. She is a seasoned analytics professional with over 15 years’ experience in building and leading high performing analytical teams. Prior to joining Equifax Canada, Rebecca held several senior leadership positions in the UK. Rebecca has a wealth of experience in driving business value from data and analytics across multiple industries including Financial Services, Utilities & Retail.

Sal Guatieri is a Senior Economist and Director at BMO Capital Markets, with three decades experience as a macro economist. With BMO since 1994, his main responsibilities include analyzing and forecasting the U.S. economy, Canadian and U.S. housing markets and commercial real estate markets. He is responsible for the Department’s economic forecasts prepared for regulatory and stress testing requirements and oversees analysis of financial services markets. He is a regular commentator in the media. Prior to joining BMO, Sal worked at the Bank of Canada, contributing to its quarterly economic projection and analyzing foreign exchange markets. Sal received his master’s degree in Economics from Queen’s University in 1990.

Shane Hill is a Solution Consultant in Experian’s Solution Engineering and Advisory division. He thoughtfully guides clients and prospects on best-in-class data and software solutions by working with key stakeholders and users to understand their challenges. A developer by training and trade, and a self-confessed data geek, Shane has held technology leadership roles in the transportation and legal software services spaces, and also brings his experience managing the technical and business operations of a regional bank’s enterprise decisioning system. Shane comes to Experian with over 25 years of consulting and expertise across a broad range of industries and technologies, and works remotely in Birmingham, Alabama.

Sinéad Gleason is the Director of Commercial Solutions at Equifax Canada. She brings over 10 years of experience in product innovation and growth, specializing in data insights and credit technology. In her current role, Sinead drives product strategy within the commercial line of business, helping lenders understand market insights through meaningful stories to empower Canada’s businesses.

Stefania Mellace is a Senior Manager in the Housing and Mortgage Risk Division at the Office of the Superintendent of Financial Institutions (OSFI). In her role, she managed the development of the Loan-to-Income supervisory measure and the calibration of the minimum qualifying rate (or “mortgage stress test”). She began her career at OSFI in the Credit Risk Division, where she led a cross-sector review of compliance with OSFI Guideline B-20 – Residential Mortgage Underwriting Practices and Procedures. Prior to joining OSFI, Stefania was a Director in Enterprise Risk Management at Royal Bank of Canada, where she was responsible for provisioning and risk reporting at the enterprise level.

Stefania holds a Bachelor of Business Administration (Hons.) from Schulich School of Business and is a Chartered Professional Accountant (CPA, CA). Outside of work, she loves travelling with her family, playing tennis, and riding around on her Vespa scooter.

Tommy Lee is a Senior Director and has been with FICO since 2003. In his current role in the Analytics and Scores Development team, Mr. Lee is an analytic reviewer for FICO® Score model developments in the U.S. and internationally. Tommy’s recent accomplishments include playing an integral part in the research, design, and development of FICO® Score 10 & FICO Resilience Index. Mr. Lee holds a B.S. in Business Administration and a B.A. in Statistics from the University of California, Berkeley.

Victoria is an experienced criminal investigator and ten year veteran of the Halton Regional Police Service, where she is currently a member of the Regional Fraud Unit Project Team. With extensive experience in fraud investigation, covert operations, and organized crime, Victoria has been the lead investigator in several multi-jurisdictional projects, including Project Luxe and Project Buff. Victoria regularly instructs on the topics of fraud investigation, prevention, and deterrence, and holds the additional designations of Certified Fraud Examiner (CFE) and Certified Financial Crimes Investigator (CFCI).

20+ years of extensive experience in Identity & Fraud Management, having held diverse positions spanning from Data Security, Investigations, AML and Compliance, Product Management, Operations and Solution Consulting roles. Collaborated closely with the banking sector, financial services, auto industry as well as law enforcement and government entities. Deep understanding of the dynamics of fraud coupled with delivering innovative solutions has consistently driven success and propelled organizations forward in the ever-evolving landscape of identity verification and fraud prevention.