Driving the Future of Auto Finance.

2025 Automotive Finance Canada

Name: 2025 Automotive Finance Canada
Start: 2025-02-11T08:00:00+00:00
End: 2025-02-11T18:00:00+00:00
Location: International AutoShow Metro Toronto Convention Centre, South Building

February 11th, 2025 | International AutoShow Metro Toronto Convention Centre, South Building, Toronto

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About This Event

The 2025 Automotive Finance Canada conference (February 11th, Toronto) will focus on Driving the Future of Auto Finance by tackling the sector’s most pressing issues: fraud, digital transformation, macroeconomic shocks, remarketing, and underwriting. The event will provide attendees with next-generation insights and actionable solutions for adapting to changing consumer behaviour and mitigating operational risk.

The summit is for Senior Executives and decision-makers across the financial and auto ecosystem, including leaders from major Lenders (Banks, Credit Unions, Auto Finance Companies), Insurers, and Fintechs. Professionals in Operations, Risk Management, and Digital Strategy will gain critical intelligence from an executive speaker lineup for strategic planning and forging essential industry partnerships.

Featured Speakers

John Hiscock Senior Vice President, Automotive Finance

Scott Morrison President & Managing Director

Alexandra Goslar Senior Director, Retail Auto Finance

Eric Dillon President

Tim Tremain CEO

Brendan Dineen Vice President of Sales and Marketing

Alain Henry Vice President | CEO

Marc Emmons Vice President, Automotive Finance

Krishnan Mani Financial Services Leader

Liliane Dubois Director Strategic Development

Dan Park CEO

Michael Scotland Vice President, Operations

Zyra Pangilinan Senior Product Manager

Aymie Sullivan SVP Operations

Sheila Tibbo Operational Risk

Steve Malone CEO

J. Raymond O’Kane Ex-VP, Auto Finance

Jonah Larmor Senior Advisor

Kevin Andrews CEO | President

Alfred Apps CEO

Agenda

8:00 - 6:00

8:00 - 8:45

Breakfast Meetup

8:00 - 5:30 Concurrent

Networking Starts Now

Use the Finance Events Network App to setup meetings in the Networking Hall throughout the day. Schedule time in the network hall. Numbers in the app correspond with numbers on the networking area high tops.

Sponsored by Netsol

8:50 - 9:00

Setting the Stage

Gary Schwartz sets the stage for the day highlighting key themes.

Gary Schwartz
President | CEO

Canadian Lenders Association

9:00 - 9:30

Digital Dealers: Financing in the Age of Online Car Sales

Dealerships are beginning to adapt to consumer demand for a more digital auto purchase experience. However, with dealers currently earning $1.5 billion in commissions, is there sufficient incentive to fully digitize the consumer journey? Lending, in particular, remains a largely analog process. This panel will explore strategies for creating seamless online-to-offline transitions, offering value-added services like virtual consultations, and streamlining financing to stay relevant and competitive. How can lenders collaborate with dealer partners to meet the growing demand for digital lending solutions, a critical component in driving the shift to a fully digital auto purchasing process?

Justin Jakubiak
Partner, Litigation | Automotive Law

Fogler, Rubinoff LLP
Moderator
Scott Morrison
President & Managing Director

Nissan Canada Finance | Infiniti | Mitsubishi Motors F.S.
Speaker
Liliane Dubois
Director Strategic Development

Santander
Speaker
Dan Park
CEO

Clutch
Speaker

9:30 - 9:45

Clicks to Keys: The Modern Car Buyer’s Journey

Sarah Petryna
Director, Product

DealerTrack
Keynote

9:45 - 10:15

Macro Shocks: Trump Tariffs, Interest Rates & Political Uncertainty ...

Trade tariffs, fluctuating interest rates, and political uncertainty are creating significant challenges for Canada’s automotive sector. This panel will delve into how these macroeconomic factors impact vehicle affordability, consumer demand, and lending practices. Industry experts will discuss strategies for lenders to adapt, mitigate risks, and capitalize on opportunities in this volatile environment. Gain insights into navigating uncertainty while positioning your business for resilience and growth.

Alfred Apps
CEO

Braxted Group
Moderator
John Hiscock
Senior Vice President, Automotive Finance

Scotiabank
Speaker
Tim Tremain
CEO

North Lake
Speaker
Eric Dillon
President

General Bank of Canada
Speaker

10:15 - 11:00

Schmooze Break

Sponsored by Inovatec

11:00 - 11:30

Fraud: ’24 Learnings | ’25 Solutions

This panel will review some of the key fraud trends in 2024, as well as looking forward to what we can expect to see in 2025 in the Vehicle Financing space. The panel will also explore AML Regulation changes that will impact the Auto and Equipment space in 2025. Panel experts will share insights on technology developments, risk mitigation strategies and guidance for regulatory compliance that will help the Canadian automotive industry stay vigilant against Financial Crime.

Carl Davies
Head of Fraud & Identity

Equifax
Moderator
Jennifer Arnold
CEO

Minerva
Speaker
Victoria Bowes
Detective Constable

Halton Regional Police
Speaker
Speaker

11:30 - 12:00

Revving Up Coverage: OEMs and Embedded Insurance

A fireside discussion on embedded insurance. The automotive industry stands on the brink of yet another transformative shift—this time driven by the integration of embedded insurance. This emerging market presents both challenges and opportunities for original equipment manufacturers (OEMs) seeking to strengthen their value propositions. Industry experts will gather to analyze the implications of this innovation within the broader automotive value chain, discussing hurdles and uncovering pathways for OEMs to capitalize on this promising frontier. Attendees will also gain exclusive insights from the forthcoming 2025 Embedded Insurance Report, which explores how seamless insurance integration could redefine risk management strategies while elevating the customer experience.

Bethan Moorcraft
Founder

Moorcraft Media
Moderator
Steven Phillips
EVP, Emerging and Adjacent Business Models

Co-operators
Speaker
Jonathan Weir
P&C Insurance lead

KPMG
Speaker

12:00 - 1:00

Network Lunch

Sponsored by Co-operators

1:00 - 1:30

Identity-first Lending: Who is behind the wheel?

An identity-first approach to lending is essential for building the foundation of trust in automotive finance. Ensuring an applicant’s legitimacy before approval—or, at the very least, before funding—is now crucial for protecting dealer and lender confidence and preventing fraud before the vehicle is handed over to the applicant. This panel explores identity-first processes, with real-world insights from the Canadian market. Discover how these innovations combat identity fraud, streamline the loan process, and create a safer, more seamless financing experience for everyone involved.

Anne-Marie Kelly
Head of Fraud

Paays
Moderator
Zyra Pangilinan
Senior Product Manager

RBC
Speaker
Kevin Andrews
CEO | President

Auto One Group
Speaker
Jonah Larmor
Senior Advisor

Pioneer Auto Group
Speaker

1:30 - 2:00

Auto Finance 2.0: Is the Pie Big Enough For All?

Big Banks and indirect lending or Fintech and direct to consumer, is the pie big enough for all? This panel will explore the dynamics between Big Banks and indirect lending versus Fintech innovators embracing direct-to-consumer models. As car buyers increasingly demand faster, more transparent, and personalized financing solutions, are legacy institutions agile enough to compete? Can Fintech disruptors scale sustainably while maintaining competitive offerings? Panelists will debate whether the market is big enough to accommodate these diverse approaches or if the rise of direct sales marks the beginning of the end for traditional intermediaries.

J. Raymond O’Kane
Ex-VP, Auto Finance

BMO
Moderator
Marcos Lopez
CEO

Credit App
Speaker
Alain Henry
Vice President | CEO

Scotia Dealer Advantage Inc.
Speaker
Aymie Sullivan
SVP Operations

CanCap Group
Speaker

2:00 - 2:30

Afternoon Schmooze

Sponsored by EBlock

2:30 - 3:00

On the Auction Block: The Remarketing Dilemma

The remarketing landscape is undergoing a transformation, and lenders find themselves at a critical juncture. With bailiffs stretched thin and consolidation reshaping the auction market, the challenge of maximizing recovery values has never been more pronounced. This panel examines the forces reshaping lender remarketing strategies, offering a deep dive into the headwinds and tailwinds of 2024 and beyond. We will analyze the shifting paradigms in asset recovery, from traditional physical auctions to the rise of online platforms, peer-to-peer apps, and even direct-to-consumer sales.

Brendan Dineen
Vice President of Sales and Marketing

iA Auto Finance
Moderator
Matt Rispin
Vice-President Wholesale & Public Auctions

North Toronto Auction
Speaker
Bryan McIntyre
Director, Commercial Sales

EBlock
Speaker
Mark Pavan
President

Wholesale Express
Speaker

3:00 - 3:30

Underwriting Automotive: Risk and Decisioning

As a throughline for the day, we conclude with a discussion on underwriting. Lenders face unique challenges in assessing creditworthiness and making decisions that maintain portfolio health. This panel will delve into the complexities of underwriting within the automotive sector, exploring innovative approaches to risk assessment, predictive analytics, and credit scoring. Industry leaders will share insights on leveraging advanced technologies such as AI and machine learning to enhance decision-making accuracy while ensuring fairness and inclusivity.

Bob Metodiev
Head of Business Development

Inovatec
Moderator
Evan Chrapko
CEO | Founder

Trust Science
Speaker
Michael Scotland
Vice President, Operations

Eden Park
Speaker
Sheila Tibbo
Operational Risk

Hyundai
Speaker

3:30 - 5:00

Can I buy you a drink?

Details

Date

February 11th, 2025

Time

8:00 AM - 6:00 PM

Venue

International AutoShow Metro Toronto Convention Centre, South Building, 255 Front St W, Toronto, Ontario