Randy Aitken has spent nearly 25 years in Risk Management and has worked at major financial institutions such as Scotiabank and RBC. In 2018, Randy joined Flexiti, a FinTech, where he became the Vice President of Collections. When Flexiti was acquired by Questrade Financial Group in 2023, he soon became the Managing Director of Collection Strategy & Operations where he is accountable for all collections strategy and operations across the firm which include Questrade, Community Trust, and Flexiti.

Randy uses data and analytics to drive strategic decisioning to optimize performance, reduce losses, and provide the best possible client experience.

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.

Mr. Gaspar Csete is a director at the Office of the Superintendent of Financial Institutions within the Housing and Mortgage Risk Division. His team has been responsible for developing and managing the loan to income measure, as well as for the ongoing calibration of the mortgage qualifying rate.

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 institution-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- and second-line roles, ranging from marketing strategy and digital product management to collections strategy and credit risk management. In this second line role, he was responsible for effective challenge on credit strategies, and was responsible for provisions, stress testing, and economic analysis.

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.

Nadine Leblanc leads CMHC’s Housing Policy and Programs teams which are responsible for providing evidence-based policy advice to departments responsible for housing and financial stability in Canada and delivering CMHC’s suite of housing programs, which represent major federal investments to increase much-needed housing supply across the country.

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 various executive roles at CMHC such as the Chief Audit Officer, the Chief Financial Officer, the Chief Risk 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.