Experienced financial leader with over 30 years in Treasury, Consulting, and Accounting. Proven track record in driving business strategies and enhancing financial performance. Strong focus on employee engagement and client satisfaction.
Advanced through progressively senior roles at Concentra Bank by consistently applying strong leadership and financial expertise.
Drive business strategy execution, develop and implement business plans, and oversee financial performance with precision and accountability.
Enhance employee engagement and performance through targeted training, continuous monitoring, and morale-building initiatives—achieving internal engagement scores consistently above 80 and exceeding organizational benchmarks.
Oversee a diverse portfolio of client-facing products, including wholesale deposits, asset-liability management, interest rate risk analysis, derivative stewardship, CMHC securitization, lines of credit, and foreign exchange (FX).
Achieve world-class client engagement results, maintaining Net Promoter Scores (NPS) of 75+, a reflection of exceptional service and client satisfaction.
Build and maintain strong relationships with provincial regulators and key vendors, ensuring strategic alignment and regulatory compliance through effective communication and collaboration.
Overview
26
26
years of professional experience
Work History
Senior Director, Strategic Financial Management
Concentra Bank (subsidiary of Equitable Bank)
Regina, Saskatchewan
10.2017 - Current
Provide leadership and strategic direction to a national team delivering balance sheet management solutions to credit union clients across Canada.
Manage credit union product offerings, including ALM treasury consulting, securitization consulting, lines of credit, wholesale deposits, derivative stewardship, and foreign exchange services.
Drive product strategy and execution, overseeing pricing, profitability, product development, and team performance.
Collaborate with internal stakeholders to ensure product delivery aligns with operational risk, credit, compliance, and regulatory standards.
Foster a client-centric culture by integrating client-first principles into strategy, operations, and team engagement, resulting in elevated satisfaction among external clients.
Deliver presentations and educational sessions to credit union boards and senior management on balance sheet strategies and regulatory metrics.
Partner with senior leadership to design and implement product strategies and initiatives that support growth across the credit union system.
Director, Treasury Consulting
Concentra Bank
Regina, Saskatchewan
01.2013 - 10.2017
Lead the Treasury Consulting team in delivering interest rate risk, liquidity, and capital metrics to credit unions.
Coach and develop team members in ALM and statutory liquidity management, driving increased product profitability through client base expansion and the creation of ancillary offerings.
Deliver training and development sessions to senior credit union management and boards, enhancing their understanding of balance sheet strategies and regulatory metrics.
Asset Liability Management Consulting Team
Concentra Bank
Regina, Saskatchewan
01.2000 - 12.2012
Progressively higher roles within the ALM Consulting Team to provide interest rate risk report metrics and balance sheet consulting to credit union clients across Canada.
Education
Chartered Professional Accountant (CPA) -
CPA Saskatchewan
Regina, SK
Bachelor of Administration - Finance and Accounting
University of Regina
Regina, SK
Skills
Team leadership and performance optimization
Internal stakeholder enablement
Client-centric culture development
Relationship management with regulators and vendors
Strong communication and interpersonal skills
Organizational problem solving
Product management and oversight
Educational training and presentation skills
Balance sheet management and consulting
Advanced financial proficiency
Interest rate risk management
Fiscal management and analysis
Key performance indicators
In-depth knowledge of credit union regulatory environments
Regulatory compliance
References
References available on request.
Timeline
Senior Director, Strategic Financial Management
Concentra Bank (subsidiary of Equitable Bank)
10.2017 - Current
Director, Treasury Consulting
Concentra Bank
01.2013 - 10.2017
Asset Liability Management Consulting Team
Concentra Bank
01.2000 - 12.2012
Chartered Professional Accountant (CPA) -
CPA Saskatchewan
Bachelor of Administration - Finance and Accounting
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Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.
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