Raman Bhatia heads the Digital business for HSBC Retail Banking and Wealth Management in the UK and Europe. He and his team are responsible for driving innovation, new digital ways of working and the design, development, deployment and commercialisation of digital platforms, products and channels.

Prior to HSBC, Raman was a Vice President at HouseTrip - a venture-backed online platform for holiday rentals. Before HouseTrip, Raman was Head of Strategy for Expedia in EMEA.

His early career was at Bain & Company in London and as a consultant to local and regional governments in the United States. Raman holds an MBA from Harvard Business School and in 2019 joined the board of fintech company Bud.

Scott Farrell is a senior partner at King & Wood Mallesons with more than 20 years’ experience in financial markets and financial systems law, advising market participants, exchanges, clearing and payment systems, regulators and governments in Australia and Asia. Scott has given many years of service to the public and private sector in advising on, and guiding, regulatory and legal change in the financial market and system landscape. Scott led the Australian Government’s review into Open Banking, the recommendations of which are being implemented as Australia’s Consumer Data Right. Scott has been appointed co-chair of the Australian Government’s FinTech Advisory Group.

Ben Harrison is a Partner and the Head of Partnerships & Policy at Portag3 Ventures. Prior to joining in 2018, he spent over 15 years at Canada Life in several strategy, product development and marketing roles across the organization, most recently as the Head of Innovation for Canada. At Portag3 he is responsible for helping to establish strategic partnerships between portfolio companies and investors, as well as leading all government policy activity. Ben acts as an advisor to several portfolio companies and is currently a member of the Business Council of Canada’s Data Driven initiative advisory committee.

Rizwan Khalfan is responsible for setting the strategic direction for all digital and payments activities, while creating more intuitive, personalized and integrated experiences that help customers live their lives. Rizwan's mandate includes partnering with business units across the organization to strategically invest in transformational digital capabilities, overseeing the evolution of the payments ecosystem, and collaborating with innovators, fintechs and start-ups, all with an eye on delivering differentiated experiences to customers and employees.

Prior to this role, Rizwan was responsible for delivering the technology strategies and development supporting the bank's North American ATM, Phone and Online/Mobile channels. He has held roles of increasing seniority since joining TD in February 2002.

Before joining TD, Rizwan worked for Citigroup, overseeing their Operations and Technology in Europe.

A CFA charterholder, Rizwan is a graduate of the University of Toronto. He is married with three children, and actively involved in his community, serving on the Board of his children’s school. He is an avid tennis player.

Nick Galletto is the Deloitte Global Cyber Risk leader based in Toronto. Nick has over 30 years of experience in information technology, networking, systems management and information security management. He has accumulated extensive experience in the management, design, development and implementation of cyber risk management programs.

Nick has worked with executive leaders in helping them understand and implement cyber risk strategies as a business enabler. He’s helped many organizations mature their overall security posture; including architecting, designing and integrating cyber solutions to address specific industry cyber risks. Nick has worked with a number of large enterprises, across many industries helping them transform their cyber strategy as they’ve moved from an era of compliance and risk to this new era of cyber everywhere.

Over the last several years Nick’s primary focus has been helping clients with the development and implementation of cyber risk management solutions both for IT and OT, making their organizations cyber resilient by proactively protecting, detecting, responding and recovering from cyber events.

Nick has a Master of Business Administration, and he is a Certified Information Systems Security Professional, a Certified Information Security Manager, Certified in Risk and Information Systems Control and SABSA Certified Architect.

Ryan is an Associate Professor and Distinguished Professor of Finance at Smith School of Business and the most recent recipient of the Bank of Canada Governor’s Award. He studies the use of technology in financial markets, and more recently the role climate risks play in asset prices. He finds that carbon risk is an important component of asset prices and is large enough that it should not be ignored by asset managers. Some of his past research has also focused on high-frequency trading systems and the impact of these systems on the quality of financial markets; too much technology, or its misapplication, can result in markets that are unstable and expensive. Not enough technology can mean investors do not meet their investment targets. Ryan’s work has been published in the Journal of Finance, Journal of Financial Economics, Review of Financial Studies, Journal of Financial and Quantitative Analysis, Journal of Financial Markets, Journal of Banking and Finance, and the Journal of the Association of Information Systems. His work has won awards such as the Michael J. Brennan Award for the best paper published in the Review of Financial Studies, and the Philip Brown Prize for the best paper published using Sirca data. In 2015 Ryan was awarded a SSHRC grant and the Smith School of Business New Researcher and Research Excellence Awards. He has also worked extensively within the financial industry, with regulators, policy makers, and central banks.

Prior to joining Smith, Ryan was an assistant professor at University of Ontario Institute of Technology and the Karlsruhe Institute of Technology. He earned his PhD from Karlsruhe Institute of Technology and his MBA from the Sprott School of Business at Carleton University. Before embarking on an academic career, Ryan worked as a trader and risk manager at HSBC Trinkaus in Dusseldorf, Germany.

Tom Rand is Managing Partner of ArcTern Ventures – Canada’s leading clean tech venture fund - and sits on the board of a number of clean energy companies and organizations. He’s also an author, philosopher and public advocate focused on accelerating the global transition to a low-carbon economy. Tom also developed Planet Traveler, a cutting edge energy-efficient hotel project in downtown Toronto. His first book Kick the Fossil Fuel Habit was published in early 2010 (winner of the 2011 Whitepine Non-Fiction award) and his second - Waking the Frog - became a bestseller in Spring 2014. His third, Climate Capitalism: Pragmatic Solutions for Perilous Times, will be out in early 2020. Tom holds a BSc in electrical engineering (U of Waterloo), an MSc in philosophy of science (University of London and LSE) and an MA and PhD in philosophy (U of Toronto). Tom is an Action Canada Fellow, and has advised both provincial and federal governments on climate & clean tech policy. Tom is a regular contributor on Canada’s leading op-ed pages and television screens.

John is a well recognized and sought after author, keynote speaker, coach, organizational psychologist, and innovative thought leader. He is the President and founder of the Self-Management Group and has a doctorate in Social/Personality Psychology from York University. For over 30 years, he has focussed on helping large blue chip organizations develop high performing distribution systems.

John has been involved in the development of all of SMG’s profiles. SMG is now the largest online assessment company with 80 proprietary tools available in over 39 languages. His strategic vision is to create an integrated, online Talent Management System from first contact to retirement that attracts, develops, and retains top performers. His latest initiatives are developing a ‘Best Practices Recruiting Solution’ combining the latest social media tactics with active recruiting and Developing Success Habits.

Mr. Hausman is a member of OTPP’s Investments Executive Team and is Chair of the Emerging Markets Committee. He was previously Head of Alternative Investments and Global Tactical Asset Allocation, responsible for the Fund's global hedge fund portfolio and internal global macro and systematic trading strategies. Prior to joining Ontario Teachers’, Mr. Hausman was Executive Director at Goldman Sachs, where he held positions in its New York, London and Hong Kong offices, managing sovereign risk strategy and advising government clients on their external financings and international credit ratings. His clients included the Republic of South Africa, the Republic of Italy, the People’s Republic of China, and the Republic of Korea, which conferred on him a National Award of Merit in recognition of his advisory work for the Korean government through the Asia Crisis.

Mr. Hausman is a Distinguished Fellow at the Munk School of Global Affairs and Public Policy at the University of Toronto. He was founding Co-Chair of the Munk School’s Advisory Board and is a Lecturer on Global Political Economy. He has received an Arbor Award for his service to the University of Toronto. Mr. Hausman also serves as Chair of the Canadian Council for the Americas and is a member of the Board of Directors of Capitalize for Kids, and the Hold’em for Life Charity Challenge Committee. Before beginning his career in international finance, Mr. Hausman worked as Special Assistant to the Premier of the Province of Ontario. He holds a BA (Hons.) from McGill University, a MSc. (Econ.) from the London School of Economics, and an MPA from the School of International and Public Affairs at Columbia University. He also has ICD.D certification from the Institute of Corporate Directors.

Mr. Hausman is a native of Toronto and lives in the city with his wife and two daughters.

With over 25 years of experience, Elisabeth Préfontaine is among the few who can claim to have traded both physical coupon bonds, and bitcoins. She is a free and forward-thinking individual whose bold assertions and confident, no-nonsense stance have branded her as a trailblazer. She is the founder of Octonomics, an independent research and consulting firm dedicated to financial technologies.

Her professional experience includes online banking, over-the-counter capital markets and investment funds. Ms. Préfontaine is the former Head of Wealth Sales for BlackRock in Canada.

In late 2016, having previously observed and experienced first-hand the many transformations in financial technologies, the discovery of Bitcoin intrigued her; it combined the three aspects of her professional experience, but in the context of a distinct and totally novel ecosystem. She knew this could trigger a profound change that would open up as many challenges as opportunities for the near future and the long-term.

Claude Bergeron oversees the Risk Management group and Depositor Relations team. The Risk Management group is responsible for monitoring, measuring and analyzing risk at CDPQ, and plays an active role in all management processes. It also promotes a risk culture within the institution by focusing on specialized expertise in CDPQ’s investment areas and applying the tools developed to identify risks. The Depositor Relations team manages all activities related to depositors, including the advisory role and investment policy frameworks. Co-Chair of the Investment-Risk Committee, Mr. Bergeron sits on the Executive Committee. He is also Chairman of the Board of Otéra Capital.

At CDPQ since 1988, Mr. Bergeron has been responsible for managing risk since 2009, first as Acting Chief Risk Officer and later as Chief Risk Officer. Under his leadership, CDPQ put in place an extensive program to strengthen its risk management practices. Mr. Bergeron was instrumental in developing the plan to restructure third-party asset-backed commercial paper (ABCP).

In 2009, Mr. Bergeron completed an international MBA program, specializing in financial services and insurance, co-administered by two renowned universities, the Vlerick Leuven Gent Management School, in Belgium, and the University of St. Gallen, in Switzerland. He also has a degree in business administration from HEC Montréal and studied accounting at the Université du Québec à Montréal. He holds a law degree from the Université de Montréal and is a member of the Barreau du Québec and the Canadian Bar Association.

Previously in charge of CDPQ’s Legal Affairs and Secretariat, he played a lead role in a number of domestic and international files and major investments, giving him extensive knowledge of the public and private sectors. He was also assigned various mandates and functions for the investment sectors, subsidiaries and general services.

As Group Head & Chief Risk Officer for Scotiabank, Daniel Moore is responsible for global management of risk, including enterprise, credit and market risk. Prior to his appointment in March 2019, he was Chief Risk Officer and Executive Vice President and Chief Market Risk Officer.

Daniel is a member of the Bank’s operating committee, as well as the senior risk policy, asset liability, market risk, and credit committees.

Daniel joined Scotiabank in 1997 and has held progressively senior roles in Toronto, Europe and Asia. Prior to becoming Chief Market Risk Officer in 2016, Daniel ran the Global Banking and Markets business in Asia- Pacific. He brings a strong focus in developing risk management strategies that align with the Bank's risk tolerance, business objectives and customer focus.

Daniel holds a D. Phil. in Theoretical Physics from Oxford University and a B.Sc. from Queen’s University. He and his wife Deborah have three daughters.