2023 Lenders Summit:
Welcome to The Future of Lending™.

From Banks and Credit Unions to best-of-breed vendor from the fintech ecosystem, the Summit is the hub for networking and business partnerships across all consumer and commercial sectors. Main themes include fraud technology, Identity Verification (IDV), financial data solutioning and supporting new-to-Canada and new-to-Credit consumers. On November 1st, 2023: network with over 500 industry executives. Download the sponsorship package here.

(See last year’s sold out event.)

Speakers

  • Andrew Moor

    CEO

  • Jason Mullins

    CLA Vice Chair | CEO

  • Michael Garrity

    Chairperson | Exit North GP

  • Kevin Carmichael

    Editor-at-Large

  • Dominique Samson

    VP, Corporate Affairs

  • Charles Parent

    President

  • Lauren Thompson

    VP Specialty Finance

  • Ilja Troitschanski

    Founder | President

  • Cato Pastoll

    CEO | Founder

  • Clive Kinross

    CEO

  • Misha Esipov

    CEO

  • Harley Greenspoon

    COO

  • Karanjit Bhugra

    MD Co-Head Capital Markets

  • Ardalan Shojaei

    Chief Credit & Risk Officer

  • Arina Eremina

    Director, Risk Integrations

  • Graeme Auchincloss

    AVP

  • Hamid Akbari

    CEO

  • Manu Smadja

    CEO & Co-Founder

  • Eric Larocque

    CMOO

  • Ashley Yantzi

    CLA Board | VP Residential Lending

  • Matt Fabian

    Director, Research & Consulting

  • Justin Herlick

    CEO & Co-Founder

  • Krista Saarinen

    Fraud and Risk Management Director

  • Gayle Ramsay

    Head, Everyday Banking, Segment & Customer Growth

  • Nathan Spaling

    CEO

  • Almis Ledas

    President & COO

  • Giles Sutherland

    VP Business Development

  • Hussein Ezzat

    Consultant - Fraud Prevention & Identity Management

  • Brent Reynolds

    CEO | Founder

  • YG Leboeuf

    Founder CEO

  • Malik Yacoubi

    CEO | Co-founder

  • Jason Kroft

    Structured Finance & Securitization

  • Jeff Bouganim

    CFO

  • Evan Chrapko

    CEO | Founder

  • Katerina Kindyni

    CLA Board Member | Financial Services Sustainability Lead

  • Hayden Poudrier

    CEO | Founder

  • Lesley Lawrence

    VP Business Development

  • Manny Nikjoo

    CEO | Founder

  • Justin Herlick

    CEO | Founder

  • Jonah Chininga

    Founder

  • Yvette Wu

    CEO | Founder

  • Patrick Boudreau

    Head, Identity Management & Fraud Solutions (Canada)

  • Jason Appel

    CRO

  • John Uhren

    MD, Sustainable Finance

  • Justin Limpright

    Vice President

  • Rosa Hoffmann

    CEO | Founder

  • Martin Basiri

    Founder

  • Amit Sadhu

    SVP, Risk

  • William Breton

    Vice President & COO

  • Gene DiMira

    Global Head of Revenue & Partnerships

  • David Fry

    CEO | Founder

  • Leigh Day

    Digital Identity Consultant

Sponsors

Agenda

7:30am - 6:00 pm

9:00-9:10

President’s Welcome

  • Gary Schwartz

    President & CEO

    Canadian Lenders Association

9:10 - 9:30

Making Bank

KEYNOTE: Andrew Moor, CEO of Equitable Bank and EQ Bank sets the stage for the day talking about what it means to be a Challenger Bank in Canada. Compared to banks listed on the S&P 500 Index and the S&P/TSX Composite Index, EQ has achieved the highest total shareholder return over the last 10 years. What is EQ’s mission in the Canadian market to “Make Bank”.

  • Andrew Moor

    CEO

    Equitable Bank

    Keynote
9:00 - 3:00 Concurrent

Mid-Market Bank Technology Networking Event

NETWORKING: Join us in a full-day networking event powered by the Lenders Summit App. Credit Unions and Mid-Market Banks from across the country are invited to join us and our Approved Vendor community to explore modernization and monetization strategies. In the Canadian financial landscape, mid-market banks and credit unions play a unique role, standing out amidst the dominance of the Big Five banks. Setup multiple one-on-one sessions in the networking hall to establish the partnerships that will advance your business in 2024.

8:30 - 1:00 Concurrent

The Technology of Fraud Prevention

WORKSHOP: Join us for a half-day workshop event. Sign up for a private invited deep dive into the technology of fraud. This 4-hour breakout session will provide attendees with information about the technologies that can be used to satisfy the requirements of the Government Issued ID Method, the Credit File Method, and the Dual Source Method as well as how these technologies can combat fraud.

  << Details Here

9:30 - 10:00

NTC: New to Canada – New to Credit

PANEL: This opening panel explores the challenges faced by borrowers who are new to the country and lack a credit history, exploring innovative strategies to bridge this gap. The panel shares insights on alternative credit assessment methodologies and new business models shaping inclusive lending practices and facilitating economic integration for newcomers. 

  • Brent Reynolds

    CEO | Founder

    Payson

    Speaker
  • Manu Smadja

    CEO & Co-Founder

    MPOWER

    Speaker
  • Matt Fabian

    Director, Research & Consulting

    TransUnion

    Speaker
  • Misha Esipov

    CEO

    Nova Credit

    Speaker
10:00 - 10:30

Capital in 2024: The Lions and Tigers and Bears

PANEL: RIP ZIRP- interest rates are rising and capital is stashed. Leaders with various lending sectors discuss how their sectors are adapting to high interest rate through innovative lending products or services. Hear from prominent investment banks on the current state of the Canadian capital markets. Explore the perspective of leading financial institutions as funders in Canada. Learn about the importance of building strong relationships with funders and how to navigate the application process effectively. Get insights from alternative lenders on the evolving landscape of non-traditional financing.

  • Karanjit Bhugra

    MD Co-Head Capital Markets

    Echelon

    Moderator
  • William Breton

    Vice President & COO

    Iceberg Finance

    Speaker
  • Jason Kroft

    Structured Finance & Securitization

    Miller Thomson

    Speaker
  • Justin Limpright

    Vice President

    990 Capital

    Speaker
10:30 - 11:00

Schmooze Espresso

11:00 - 11:30

ChatGPT-ification of Lending

PANEL: Join us for an insightful panel discussion on how artificial intelligence is transforming the way that lenders originate and service loans. In this session, industry experts will delve into the latest innovations in underwriting, payments, and credit modelling solutions that are empowering financial institutions and fintechs to enhance efficiency, reduce delinquencies, and improve customer experiences.

  • Lesley Lawrence

    VP Business Development

    Portfolio+

    Moderator
  • Manny Nikjoo

    CEO | Founder

    QuadFi

    Speaker
  • Justin Herlick

    CEO | Founder

    Pine

    Speaker
  • Jason Appel

    CRO

    goeasy

    Speaker
11:30 - 12:00

Embedded Lending goes “Here”

PANEL: How can the industry leverage embedded lending services at point of need, eliminating the traditional separation between obtaining credit and making a purchase.This approach leverages technology and data to streamline the lending process, making it more convenient and tailored to the specific circumstances of the borrower. The panel explores the risk and reward of embedding lending services directly into existing platforms and transactions.

  • David Fry

    CEO | Founder

    Paays

    Moderator
  • Michael Garrity

    Chairperson | Exit North GP

    Financeit

    Speaker
  • Ardalan Shojaei

    Chief Credit & Risk Officer

    Fig

    Speaker
  • Arina Eremina

    Director, Risk Integrations

    Affirm

    Speaker
12:00 - 1:00

Lunch

1:00 - 1:20

Data Powering Innovation

KEYNOTE: This leadership keynote explores the broader implications of data accessibility, such as enhanced financial inclusion, democratized access to financial services, and improved decision-making for individuals and businesses. Understand why access to financial data is considered the lifeblood of innovation in the modern financial landscape in Canada.

  • Dominique Samson

    VP, Corporate Affairs

    Flinks

    Keynote
1:20 - 1:50

Mortgage is Dead. Long live Mortgage!

PANEL: With record-high amortizations and changing needs of the homeowner, the mortgage industry faces mounting pressure to innovate and deliver creative solutions to borrowers. Traditional credit providers and alternative lenders bring distinct approaches to the table. In this dynamic panel discussion, we bring these two worlds together to explore how they are shaping the future of mortgages in 2024. Join us as we dive deep into the evolving dynamics of mortgage lending. Traditional lenders, with their established processes and regulatory frameworks, are adapting to the new landscape. On the other side, alternative lenders are pushing boundaries with flexible lending models and technology-driven solutions.

  • Hamid Akbari

    CEO

    Blanc Labs

    Moderator
  • Ashley Yantzi

    CLA Board | VP Residential Lending

    Equitable Bank

    Speaker
  • Eric Larocque

    CMOO

    Community Trust (Questrade)

    Speaker
  • Hayden Poudrier

    CEO | Founder

    Fraction

    Speaker
1:50 - 2:20

ROE in Consumer Lending

PANEL: Two CEOs discuss how to best service the needs of consumers across the credit spectrum. How do we make sure that Canadians have open access to credit. What is the impact of the rising cost of capital. How do you calculate risk. What is required Return on Equity (ROE) for a lender? 

  • Katerina Kindyni

    CLA Board Member | Financial Services Sustainability Lead

    EY Canada

    Moderator
  • Jason Mullins

    CLA Vice Chair | CEO

    goeasy

    Speaker
  • Clive Kinross

    CEO

    Propel Holdings

    Speaker
2:20 - 2:45

Schmooze Break

2:45 - 3:15

Fintech’s Drive: Revolutionizing Auto Finance

PANEL: Hear how fintech is transforming the auto and equipment finance experience – from buyer to dealer to lender. Understand the role that data plays in accelerating originations as well as derisking the underwriting and verification process. This panel brings together Canadian auto credit and technology lenders for a deep dive into the automotive and equipment finance industries.

  • Rosa Hoffmann

    CEO | Founder

    Decisioning IT

    Moderator
  • Ilja Troitschanski

    Founder | President

    Axis Auto Finance

    Speaker
  • Charles Parent

    President

    iA Auto Finance

    Speaker
  • Evan Chrapko

    CEO | Founder

    Trust Science

    Speaker
3:15 - 3:45

Back to Business: SMB Lending in 2024

PANEL: Join us as we look at what small business lending looks like in 2024, and how the pandemic and rising rates have forced lenders to adapt their business models. Through expert insights shared during the panel discussion, participants can gain valuable knowledge about the future trajectory of small business lending and the pivotal role that digital transformation plays in shaping this landscape.

  • Kevin Carmichael

    Editor-at-Large

    The Logic

    Moderator
  • Lauren Thompson

    VP Specialty Finance

    Peoples Group

    Speaker
  • Cato Pastoll

    CEO | Founder

    Loop

    Speaker
  • Harley Greenspoon

    COO

    OnDeck Canada

    Speaker
3:45 - 5:00

Can I Buy You a Drink?

NETWORKING DRINKS

Details

Date

November 1, 2023

Time

7:30am – 6:00 pm

Venue

MaRS Discovery District

101 College St, Toronto, ON M5G 1L7

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