Experience

IIROC (Investment Industry Regulatory Organization of Canada)

• Canada
• Financial Services
• 100 - 200 Employee

• VP Business Conduct Compliance

  • Dec 2018 - Present



BMO

• Canada
• Financial Services
• 700 & Above Employee

• Director Compliance

  • May 2017 - Present



TD

• Canada
• Banking
• 700 & Above Employee

• AVP Wealth Compliance & CCO TD Waterhouse Canada Inc.

  • Oct 2015 - May 2017

• Associate Vice President Direct Channels & Insurance Compliance

  • Nov 2012 - Oct 2015

  In this newly created role, I will support the development of a compliance program for Direct Channels (Digital - Online and Mobile, Phone and ATM) as well as oversee and enhance the Compliance program for Insurance and provide compliance advice and support in governance, policies and procedures.

• Senior Compliance Manager

  • Mar 2011 - Oct 2012

  Business Owner of a multi-million dollar program to enhance supervision and surveillance across 4 LOBs within Wealth and Wealth Compliance. Provide subject matter expertise at the program level and within each workstream to ensure the technology solution being implemented meets regulatory requirements at both Tier 1 and Tier 2 level.Ensure the project meets the businesses and compliance requirements while meeting project timelines and budget.

• Senior Compliance Manager

  • Jan 2009 - Mar 2011

  Oversee and develop a team of 20 Surveillance and Investigative professionals who conduct trade and account activity surveillance on behalf of all divisions of TD Waterhouse, provide advice, guidance and expertise on regulatory requirements and assist business units to manage their regulatory riskAct as a key contact for business management, regulators and auditors, dealing with a broad range of issuesAssess risks and recommend policy and/or action based on internal and external industry developments for area of responsibilityInvestigate and lead technology initiatives to ensure adequate monitoring systems are in place. Work with business unit management/partners to develop proactive strategies, tactics, policies and programs to effectively manage regulatory/compliance issuesLead and/or assists in management and projects or strategic initiatives where required, providing expertise and counsel on compliance and other departmental matters (i.e. staffing, resources, etc.)Build and manage an effective, on-going compliance surveillance program designed to detect and mitigate regulatory violations and breaches of internal policies and procedures Identify, and where appropriate implement, tools to support trade and account surveillance activities in order to enhance the effectiveness and efficiency of the department and the scalability of the department's operationsComplete filings and/or reporting to various regulators, law enforcement agencies and/or organizations as required and assist senior management in the completion of key compliance and risk management reports (e.g. Board reporting and LCM requirements) Develop and actively manage on-going relationships and communication with external regulators, auditors, business units, industry contacts (e.g. CBA, IIROC, other banks, etc.) and/or government and law enforcement agencies (e.g. FinTRAC, RCMP)Lead and follow-up on action plans to address items identified on employee satisfaction surveys.

• Regional Administration Manager, Private Investment Advice

  • Oct 2006 - Jan 2009

  Accountable for the efficient management and supervision of compliance, regulatory, audit, risk, operational, budget and human resources functions for the PIA branches within the Ontario Main region. Provide advice, guidance, support and coaching to the Branch managers on each of these functions.Keep a critical eye on and challenge existing practices and policies to identify operational or regulatory gaps or inefficiencies and make recommendations for changes and enhancements.Conduct regular branch visits/audits to test their readiness to meet satisfactory audit requirements; identify any deficiencies and work with the Branch managers to rectify them.Act as a business matter expert and aide National Sales Support in implementing changes.Review sales marketing material for the Region to ensure compliance with industry regulations, internal policies and brand standards. Review and authorize settlement recommendations and/or provide recommendations to Senior Management on settling client issues.

• Client Service Manager, Client Support Group

  • Jan 2005 - Oct 2006

  Responsible for managing a team of 9 employees who handle complex client complaints on behalf of all wealth businesses (IA, FP, PIC, MF including segregated funds issues).Motivate and coach the team on a regular basis to achieve service level objectives and make an impact in this business by being proactive.Build and maintain solid business relationships with all Wealth Businesses including the TD Ombudsman and external Legal Counsel. Provide guidance to business partners on handling client complaints and maintaining TD's reputation.Work closely with Compliance and Legal to ensure all possible issues are mitigated and act as a liaison with Regulatory bodies.Build controls by establishing written procedures, making recommendations, and implementing new processes where it is warranted.Monitor client feedback for suggestions to improve our business.



OBSI - Ombudsman for Banking Services and Investments

• Canada
• Financial Services
• 1 - 100 Employee

• Senior Investigator

  • Jan 2003 - Jan 2005

  Responsible for all aspects of reviewing and investigating complaints from clients of Financial Institutions.Utilized sound judgment to weigh the merit of a complaint and decide if an investigation was warranted.Dealt with complex issues requiring the review of IDA and MFDA regulations and good business practices, as well as, performed detailed and complex suitability and profit and loss analysis. Decided on fair settlements for clients and their firms to a maximum of $350,000.Influenced Senior executives at member firms and clients to reach a resolutionWrote clear and thorough correspondence explaining findings and proposed resolutions.