FinTech Speaker Bios

  • Fintech Market Study

February 21, 2017

Shaw Centre, Ottawa

Driving competition and innovation in the financial services sector


Opening keynote

The Honourable Kevin G. Lynch, P.C., O.C., PH. D, LL.D ‑ Vice Chair, BMO Financial Group
Kevin Lynch.

The Honourable Kevin G. Lynch, P.C., O.C., PH.D, LL.D was appointed Vice Chair of BMO Financial Group in March 2010.

Dr. Lynch began his career in 1976 with the Bank of Canada. Over a distinguished 33‑year career, Dr. Lynch served as Deputy Minister of Industry and Deputy Minister of Finance and then Executive Director at the International Monetary Fund. In early 2006, he was appointed the 20th Clerk of the Privy Council, Secretary to the Cabinet and Head of the Public Service of Canada. In July 2009, Dr. Lynch retired from the Government of Canada.

Dr. Lynch earned his BA from Mount Allison University, his Masters in Economics from the University of Manchester and a doctorate in Economics from McMaster University and holds ten honourary degrees.

He is Chancellor of University of King's College, the past Chair of the Board of Governors of the University of Waterloo, and serves on several other boards, including those of the Killam Trusts, the Rideau Hall Foundation, the Asia Pacific Foundation, Communitech, the Canadian and U.K. Ditchley Foundations and the Samara Foundation. He also serves on several corporate boards (CN, Empire Company Limited, CNOOC Limited).

The Honourable Kevin G. Lynch was made a Member of the Queen’s Privy Council for Canada in 2009, an Officer of the Order of Canada in 2011 and received both the Queen’s Diamond and Golden Jubilee Medals for public service.

Panel 1

Mark Ripplinger (Moderator) ‑ President and CEO of Everlink Payments Services Inc.
Mark Ripplinger.

Mark has been leading Everlink’s broad portfolio in the highly competitive payments solutions business since October, 2007, servicing and connecting over 300 financial institutions, 25,000 retailers and 5 million cardholders in Canada and worldwide via Interac, MasterCard, Visa and other payment networks.

Under Mark’s leadership, Evelink has transformed into a leading, broadly diversified and highly respected Payments Solutions provider. Located in Markham, Ontario, Canada, Everlink offers a comprehensive suite of innovative payments solutions through 7 “Lines of Business” — Network Payment Gateway, ATM Managed Services, Card Issuance & Management, Fraud Management, Mobile Payments, SME Solutions and Professional Services — serving Credit Unions, Banks and ISO’s.

With a wealth of experience and expertise in business and IT leadership, governance and change execution, Mark has held key executive positions in several leading companies all across Canada — as a CIO for over 17 years, and as a CEO for 10.

Mark completed a Bachelor of Administration with Distinction (Honors) at the University of Regina as well as a graduate certificate program in Finance from the The Wharton School at the University of Pennsylvania. He is a present and past member of numerous Boards of Directors as well as industry associations and charitable organizations, and is a frequent speaker at trade shows, conferences and executive seminars speaking on a variety of management, leadership and industry specific topics.

Darren Hannah ‑ Vice President, Finance, Risk and Prudential Policy, Canadian Bankers Association
Darren Hannah.

Darren Hannah is the Vice President of Finance, Risk and Prudential Policy with the Canadian Bankers Association (CBA). In this capacity, he leads the CBA’s policy development and advocacy efforts in areas of financial regulation, prudential oversight, payments regulation, financial crime, and cybersecurity. Mr. Hannah has been with the CBA since 2000, holding progressively senior roles in a wide variety of banking policy areas.

Mr. Hannah holds a B.A. in Economics and a Master’s Degree in Local Economic Development from the University of Waterloo and an MBA in Finance from the Schulich School of Business at York University.

The Canadian Bankers Association works on behalf of 59 domestic banks, foreign bank subsidiaries and foreign bank branches operating in Canada and their 280,000 employees. The CBA advocates for effective public policies that contribute to a sound, successful banking system that benefits Canadians and Canada's economy. The Association also promotes financial literacy to help Canadians make informed financial decisions and works with banks and law enforcement to help protect customers against financial crime and promote fraud awareness. www.cba.ca.

Michael Katchen ‑ Founder and CEO, Wealthsimple
Michael Katchen.

Michael is the founder and CEO of Wealthsimple, Canada’s leading digital investment advisor. Wealthsimple's mission is to make smart investing easy and accessible for everyone. Founded in 2014, Wealthsimple now serves more than 15,000 clients and was awarded Best Financial Services Website in the World at the 2016 Webbys. Michael has been called an Industry Mover by the Financial Post, a Change Agent by Canadian Business Magazine, and one of Toronto’s 50 most influential people by Toronto Life. He is a winner of a 2016 EY Entrepreneur Of The Year Award.

Donna A. Kinoshita ‑ Senior Vice‑President: Global Products & Solutions, Canada Region, Mastercard
Donna Kinoshita.

Donna A. Kinoshita is Senior Vice‑President of Global Products & Solutions, Canada Region for MasterCard. As a member of the Canada Region’s Leadership team, Ms. Kinoshita oversees Product Management, including Core and Emerging Payment solutions, Marketing, Communications and MC Advisor initiatives for Canada, as well as ensuring a North American and global perspective.

Ms. Kinoshita joined MasterCard in 2012 as Vice‑President and Team Lead, Issuing Relationship Management, where she managed a group of Issuer accounts, including the region’s largest customer. She later served as Group Head, Issuing Relationship Management in 2013 and then assumed Issuer Business Development responsibilities in 2014. She was appointed to her current role of Senior Vice President, Global Products & Solutions, Canada Region in 2016.

Prior to joining MasterCard, Ms. Kinoshita was COO for a small technology start‑up and COO for a small consultative sales organization for over 10 years. She also has over 15 years of product management, sales management and financial operations leadership experience with major financial institutions in Canada.

Ms. Kinoshita earned a Bachelor of Arts in economics and psychology from the University of Toronto and is a certified AFP professional.

Jeff Mitelman ‑ CEO & Co‑Founder of Thinking Capital
Jeff Mitelman.

Over the last 20 years, Jeff Mitelman, CEO & Co‑Founder of Thinking Capital has built his career by challenging the status quo in financial services. Recognizing the gap between what was needed vs. what was being offered, Jeff was determined to build businesses focused on those who were being underserved. First in ATMs and then in Card payments, the impact of his work can be seen through many of the changes in how these products are consumed today. At Thinking Capital, Jeff and the team are focused on redefining how small businesses borrow. Driven by a vision that Lending should be smarter not harder, he continues to drive product and has cultivated many of TC’s partnerships including CIBC, Staples, Moneris and many more. Jeff is a graduate of McGill University and a proud recipient of the E&Y Entrepreneur of the Year award.

Jason Young ‑ Head of Legal & Government Relations, PayPal Canada
Jason Young.

Jason Young is Head of Legal and Government Relations & Corp. Secretary for PayPal Canada, based in Toronto. He brings to this position twenty years of experience in law, policy and government service with a strong focus on technology, privacy and consumer protection, and regulatory compliance. Prior to PayPal, Jason was lead counsel for the merchant-acquiring business of a major bank.

Jason received his B.A. in Political Science and Economics from the University of Victoria, his J.D. from Queen’s University at Kingston and his LL.M. from the University of Ottawa, where he was a Gowlings Fellow in Law & Technology. His master’s research focused on the risks of policymaking in areas bounded by technology and was jointly published in the Yale Journal of Law & Technology and the International Journal of Communications Law & Policy titled “Surfing While Muslim: Privacy, Freedom of Expression and the Unintended Consequences of Cybercrime Legislation”.

Panel 2

Carolyn A. Wilkins (Moderator) ‑ Senior Deputy Governor, Bank of Canada
Carolyn Wilkins.

Carolyn Wilkins was appointed as Senior Deputy Governor of the Bank of Canada in May 2014. She oversees the Bank’s strategic planning and its research agenda. Ms. Wilkins is a member of the Bank’s Governing Council, which issues monetary policy decisions, and sits on its Board of Directors.

Ms. Wilkins represents the Bank at the Financial Stability Board and chairs the FSB’s Regional Consultative Group for the Americas. She previously served on the Basel Committee on Banking Supervision and chaired its Working Group on Liquidity.

Ms. Wilkins studied economics and earned degrees from Wilfrid Laurier University and the University of Western Ontario. She then spent the first years of her career with the Department of Finance and the Privy Council Office.

Ms. Wilkins joined the Bank in 2001, first in the team responsible for monetary and financial modelling, and later as Deputy Chief of the Financial Markets Department. In 2011, Ms. Wilkins became Chief of the Bank’s Financial Stability Department and led the analysis of the financial sector, the assessment of financial stability risks, and the oversight of systemically important financial market infrastructures. Ms. Wilkins went on to serve as Advisor and as Secretary to Governing Council before assuming her current role.

Leah Anderson ‑ Assistant Deputy Minister, Financial Sector Policy Branch, Finance Canada
Leah Anderson.

Leah Anderson is Assistant Deputy Minister of the Financial Sector Policy Branch, at Finance Canada. The branch is responsible for policy development on federal financial sector policy issues including financial markets, securities policy, housing finance, financial institutions and stability, consumer protection, pensions, payments systems, and anti‑money laundering and anti‑terrorist financing. The branch also manages the government of Canada’s debt management and foreign reserves programs.

Prior to this role, she was General Director of the Economic Development and Corporate Finance Branch at Finance Canada. In this role, she led the provision of advice to the Minister of Finance on policy and budget proposals from economic portfolio departments, including environment, natural resources, transportation, infrastructure, innovation, fisheries, agriculture and defense. She has also worked as a consultant providing policy advice to a wide range of clients in the financial sector. She holds an MA in Economics from Queen’s University.

Richard Bilodeau ‑ Director, Supervision and Promotion Branch, Financial Consumer Agency of Canada
Richard Bilodeau.

Richard Bilodeau is the Director Supervision and Promotion of the Financial Consumer Agency of Canada. Richard manages the supervision program that promotes compliance with the federal consumer provisions applicable to federally regulated financial entities. He also oversees research on consumer protection issues. Prior to joining the FCAC, Richard spent 15 years with the Competition Bureau of Canada where he managed the enforcement of various provisions of the Competition Act. While with the Bureau, Richard dealt with various compliance matters involving the financial services sector, as well as major legislative and policy initiatives. Richard holds a law degree from the University of Ottawa.

Pat Chaukos ‑ Chief, OSC LaunchPad, Ontario Securities Commission
Pat Chaukos.

Pat Chaukos is the Chief of OSC LaunchPad, the Ontario Securities Commission’s new initiative to modernize regulation to support fintech innovation.

Pat has extensive experience with novel fintech businesses. Prior to her leading OSC LaunchPad, Pat managed a team that focused on the exempt market, working with many new business models including online trading platforms, lending platforms and crowdfunding portals.

Prior to joining the OSC, Pat was at Royal Mutual Funds and RBC Investments and has practiced as both a lawyer and an accountant on Bay Street.

Gérald Cossette ‑ Director, Financial Transactions and Reports Analysis Centre of Canada
Gérald Cossette.

Gérald Cossette was appointed Director of FINTRAC in 2012. He had previously served as Associate Deputy Minister of Global Affairs Canada and Personal Representative of the Prime Minister for the G8 and Nuclear Security Summits. He has held various leadership positions at the Privy Council Office, the Treasury Board of Canada Secretariat, and was also Chief Executive Officer of Passport Canada.

Mr. Cossette received his formal education in Social Sciences from Laval University and in Public Administration at Carleton University.

Gerry Gaetz ‑ President and Chief Executive Officer, Payments Canada
Gerry Gaetz.

Gerry Gaetz is President and CEO of Payments Canada. Since joining the organization in 2013, he has been leading the transformation of the organization’s enabling legislation, governance, internal capacity and business.

Prior to Payments Canada, Mr. Gaetz held a number of executive roles at the Bank of Canada, including Chief of Currency, where he was responsible for the launch of Canada’s new polymer banknote series and Chief of Banking Operations, where he led the redevelopment of the core banking system.

Mr. Gaetz is a member of the International Council of Payment Association Chief Executives, is on the advisory boards of two private companies, is a director on the Fortress Paper Board, and is also a former member of the Banknote Ethics Initiative Accreditation Council. He also co‑led the core leadership development program at the Gestalt International Study Center in Boston for three years. Mr. Gaetz holds an MBA from the University of Ottawa and is a Chartered Professional Accountant.

Keynote

Dr. Robert D. Atkinson ‑ President: Information Technology and Innovation Foundation
Robert D. Atkinson.

Dr. Robert D. Atkinson is one of the country’s foremost thinkers on innovation economics. With an extensive background in technology policy, he has conducted ground‑breaking research projects on technology and innovation, is a valued adviser to state and national policy makers, and a popular speaker on innovation policy nationally and internationally.

Before founding ITIF, Atkinson was Vice President of the Progressive Policy Institute and Director of PPI’s Technology & New Economy Project. He received his Masters in Urban and Regional Planning from the University of Oregon and was named a distinguished alumnus in 2014. He received his Ph.D. in City and Regional Planning from the University of North Carolina at Chapel Hill in 1989.

Panel 3

Dan Wilcock (Moderator) ‑ Assistant Deputy Commissioner, International Affairs Directorate, Competition Promotion Branch, Competition Bureau
Dan Wilcock.

Dan is the Assistant Deputy Commissioner of Competition responsible for managing the Competition Bureau’s International Affairs Directorate. The International Affairs Directorate supports the Competition Bureau’s enforcement operations by building relationships with other competition agencies and negotiating and implementing cooperation instruments specific to competition and consumer protection with international counterparts. The International Affairs Directorate also leads the Bureau’s participation in international organizations that promote convergence in competition law and policy, and supports the Government of Canada in the negotiation of competition provisions in Canada’s international trade agreements.

Dan previously served as an Assistant Deputy Commissioner for the Fair Business Practices Branch and for the Ontario Region of the Competition Bureau. He commenced his competition law career as a lawyer for the Australian Competition and Consumer Commission. Dan has a Bachelor of Commerce and Bachelor of Laws from the Australian National University, a Master of Laws from the University of Ottawa and is a member of the bars of the Australian Capital Territory and Ontario.

Colin Garland ‑ Director, Remedies, Business and Financial Analysis, Competition and Markets Authority
Colin Garland.

Colin is Director of Remedies, Business and Financial Analysis at the CMA and has been leading the financial analysis and remedy design and implementation programs in the CMA’s Retail Banking Market Investigation. Prior to joining the CMA in 2014, Colin worked as an economist in the aviation sector and has held various economist roles within the communications and energy economic regulators in the United Kingdom.

R. Jesse McWaters ‑ Project Lead, Disruptive Innovation in Financial Services, World Economic Forum
Jesse McWaters.

R. Jesse McWaters leads the World Economic Forum’s exploration of fintech and financial innovation. His work focuses on bringing together senior financial services executives, leading fintech players and global regulators to understand how new technologies and innovative new entrants are transforming the competitive dynamics of the global financial ecosystem.

He is the co‑author of the World Economic Forum’s groundbreaking “Future of Financial Services” report, which establishes a taxonomy of fintech innovations and considers their implications on the financial services ecosystem. More recently, he co‑authored an in-depth exploration into the potential of blockchain to revolutionize financial services (“The Future of Financial Infrastructure”), as well as an investigation of the importance of digitizing identity for the financial system (“A Blueprint for Digital Identity”).

Prior to his current role, Jesse worked as a financial services consultant with Deloitte and served as Director of Insights for Deloitte’s Future of Canada Institute, an organization dedicated to enhancing Canada’s productivity, competitiveness and innovative capabilities. In this capacity Jesse co‑authored numerous publications, including “The Future of Productivity — A Wake‑up Call for Canadian Companies” and “Passport to Growth — How International Arrivals Stimulate Canadian Exports.”

Sean Rodriguez ‑ Senior Vice President and Faster Payments Strategy Leader, Federal Reserve System
Adam Nanjee.

Sean Rodriguez is Faster Payments Strategy Leader for the Federal Reserve System. As Faster Payments Strategy Leader, Rodriguez is leading activities to identify effective approaches for implementing a safe, ubiquitous, faster payments capability in the United States. In addition, Rodriguez chairs the Federal Reserve’s Faster Payments Task Force, comprised of more than 300 payment system stakeholders interested in improving the speed of authorization, clearing, settlement and notification of various types of personal and business payments.

Rodriguez brings more than 32 years of experience with Federal Reserve Financial Services in operations, product development, sales and marketing. He helped establish the Federal Reserve’s Customer Relations and Support Office in 2001, including its national account program and served on the Federal Reserve’s leadership team for implementing the Check 21 initiative. More recently, Rodriguez was instrumental in the design and launch of the Federal Reserve’s Payments Industry Relations Program. Rodriguez holds a B.A. from the University of Colorado, a Graduate School of Banking Certificate from the University of Wisconsin and is an Association for Financial Professionals — Certified Cash Manager.

Gregory Smith ‑ MBA, CMC, Partner, Customer Strategy Leader, Financial Services Advisory, Ernst & Young
Gregory Smith.

Gregory is a Partner within EY’s Financial Services Advisory practice in Canada and leads the firm’s Wealth & Asset Management practice. He has a history of delivering successful engagements for North American as well as Asia‑Pacific clients.

Gregory has over 25 years of both industry and management consulting experience within the financial services sector, with a primary focus on thought leadership development and customer centric strategy. His topics of study have included: fintech, ecommerce, CRM, retail banking pricing, financial crime, investment products, pension funds, wealth distribution and trends, and industry disruption (threat of new entrants, impact of the Global Financial Crisis, regulatory changes).

For the Canadian market, Gregory has worked with clients, supporting "robo‑advice" strategies, partnerships with fintech firms, market entry strategies, small business operating models, workforce productivity, customer channel usage and customer experience enhancement.

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