CSRSA Event - Lending during COVID: the lenders' perspective
Title: Lending during COVID: the lenders' perspective
Date: October 8, 2020 - 1pm-2pm Eastern Time
Following the August webinar where we had the CRO's of the 3 mortgage insurance companies dive into some of the mortgage specific risks, we will now take a broader look at the current risk environment and the implications of COVID on retail lending. Analytics and risk leaders from several of the biggest banks will provide their views on how the retail lending environment is affected by the current economic environment, discussing wide ranging topics from implications on consumer finances, to credit scores. This will be a rare opportunity to hear directly from other lenders about the most pressing issues facing us today.
Gaspar Csete, Board Director, CSRSA - Moderator
Gaspar spent his entire career with Capital One Canada in both first line and second line roles. Starting out in customer acquisitions, he was then the one-person second line credit risk management department in the early days of the Canadian operation, leading up to the financial crisis. After taking on several first line roles, he returned to the second line group, eventually leading the Canadian team. In this role, he was the owner of the allowance and provisions, including for the Fed stress tests, and was responsible for the implementation of the IFRS9 rules. He also led the effective challenge and advisory team and was responsible for the economic reporting and forecasting for the Canadian business. Gaspar holds a Bachelor of Commerce, Honours, in Economics and Finance from McGill University.
Susan Duffy, VP Risk, CAMLO, CPO, Financeit - Panelist
In her current role, Susan is the VP Risk at Financeit, a point-of-sale consumer finance company. She is responsible for developing and driving the company’s strategic risk management vision and framework. She has over 20 years experience in consumer and small business credit risk management developing and implementing advanced decisioning models and strategies across the credit life cycle. Prior to joining Financeit, Susan worked at Scotiabank where she was responsible for risk strategy and automation for the Canadian retail and small business portfolios. She also spent 7 years working for Experian Canada in a variety of roles including the General Manager for Experian’s Canadian office.
Susan is currently on the Board of Directors for the Credit Scoring & Risk Strategy Association. She holds an MBA from McGill University and an Honors B.A. from the University of Western Ontario.
Tom Oddie, VP, Canadian Personal Banking Data and Analytics, TD Bank - Panelist
Tom currently leads the data and analytics department for TD's Retail Bank in Canada, helping to realize the team's vision to 'Make analytics a competitive advantage for the bank'. Tom is a career data scientist, with a post graduate degree in Statistics from the University of Warwick (UK) and having worked in advanced analytics functions within Capital One's 'Information Based Strategy Organization for 10 years. Tom Joined TD in March 2016, bringing his experience in statistical analysis and business problem solving to TD's Personal Bank Analytics team and now leads the Data Management, Governance, Business Intelligence, Strategic Analytics and Geo Spatial capabilities.
Philip Santo, Senior Director Banking and Payments, RBC - Panelist
Philip leads the Banking Transformation Strategy at RBC, as well as the analytics team supporting Banking and Payments. Prior to joining the Banking and Payments organization at RBC in 2019, Philip held various leadership positions for retail lending products. Most recently, Philip led Retail Credit Strategies for Automotive Finance and Personal Lending, as well as Retail Risk Modelling at RBC. Prior to joining RBC, Philip led Capital One Canada’s Line Management Program, and the Mainstreet Product Strategy. He was also an accredited Model Risk Officer at Capital One. Philip began his career in Management Consulting and worked with various clients in the pharmaceutical, manufacturing and postal service industries to optimize their sales and marketing strategies. Philip holds a BASc, Mechanical Engineering from the University of Toronto.