Elizabeth (Liz) Billyard is Chief Risk Officer of Retail Risk. In this role, Liz is responsible for providing independent oversight and guidance for managing retail risk. As an executive leader, she oversees several teams responsible for credit originations and account management, deep analytics, risk reporting, credit systems, provisioning, as well as the adjudication center.
Liz began her career as a predictive modeller and leverages her data-driven foundation to uncover deep customer insights to drive strategic actions. She has held a series of executive roles in Retail Credit, having worked in both business and risk management with accountability for unsecured lending, auto loans, credit cards, deposit accounts, small business and real estate secured lending.
She is a member of the Board of the Bank of Montreal Mortgage Corporation and previously on the Canadian Lender’s Association. As well as a member of the Consumer Bankers Association Credit Risk Working Group. She volunteers her time to such organizations as the United Way and Kids Help Phone.

Owen Walsh has been at TD since 2004. He currently holds the role of SVP, Retail Credit Risk since April 30th, 2024 focusing on the oversight of credit risk for Canadian retail lending portfolios including Real Estate Secured Lending, Credit Cards and TD Auto Finance. Prior to these roles, Owen held numerous roles in the Corporate Segment including: SVP, Risk Shared Services; Head of Corporate Data and Analytics; VP, Credit Management for Canadian Unsecured Lending; VP, Risk Management Model Development; and VP, Retail Risk Valuation and Analysis.

Prior to joining TD, Owen worked at Capital One UK where he held various quantitative roles. He lives in Toronto with his wife and two teenage sons.