Chief Executive Officer and President
Yousry Bissada is a Chief Executive Officer with more than three decades of experience focused on financial services and the mortgage industry, and a track record of managing change, driving transformation and creating value.
Since 2011, Mr. Bissada has been President and CEO of Kanetix Ltd., a digital platform that provides more than one million quotes per year to customers seeking insurance and other financial products, and enables the customers to connect with providers that offer those quotes. Kanetix also works with leading insurance companies, banks and other financial services companies to improve their digital tools and technology. Under his leadership, Kanetix has experienced consistent revenue and profit growth, built the infrastructure required for expansion and significantly increased brand awareness.
Mr. Bissada began his career in finance as a Certified General Accountant and in 1989 became Chief Financial Officer of FirstLine Trust Company, a leading-edge company focused on mortgage product development, securitization structures and non-branch origination channels.
He then rose through the mortgage industry, taking progressively more senior roles with a focus on operations.
After FirstLine Trust was acquired by Canadian Imperial Bank of Commerce, Mr. Bissada became Vice President of Servicing Operations for CIBC Mortgages and FirstLine, a role in which he significantly improved customer service ratings.
Mr. Bissada then moved to Canada Trust, and in 1999 he was named Senior Vice President of Real Estate Secured Lending Products at TD Canada Trust, overseeing one of Canada's largest mortgage businesses.
In 2000, Mr. Bissada became President and CEO of Filogix, an innovative B2B software and service provider to the mortgage industry, where he served until 2007. Under his leadership, Filogix produced significant growth in revenue, earnings and market share, as the company expanded from a small player to an industry leader. Today, Filogix is the recognized industry standard for mortgage brokers submitting applications to lenders such as Home Trust.
Mr. Bissada has also held numerous roles on the boards of companies in the mortgage industry. From 2009 to 2011, Mr. Bissada served as Chairman of two mortgage lenders, Canadiana Financial Corp. and Paradigm Quest Inc. From 2007 to 2009, he served as a director on the Board of Street Capital Financial Corp. He currently serves on the Advisory Board of Real Matters Inc.'s Solidifi, a provider of appraisal services using an innovative technology platform, and on the Board of Directors of Equity Financial Holdings Inc., a publicly traded alternative mortgage lender. Mr. Bissada intends to step down as a director of Equity Financial prior to assuming his position with Home Capital.
Executive Vice President and Chief Financial Officer
has more than 11 years of experience as a public company Chief Financial Officer focused on financial services. In that role, he oversaw key functions such as public and internal financial reporting and budgeting, group risk management, investor relations, regulatory reporting, and treasury.
Mr. Kotush first joined a predecessor firm of Canaccord Genuity Group Inc. (Canaccord Genuity) in 1996. When that firm was acquired by Canaccord Genuity in 1998 he became Vice President of Special Projects. In 2000, he was named Executive Director, Secretary and Chief Financial Officer of Canaccord Genuity's European operations and spent three years in London, England helping to substantially grow that operation. Following that assignment, he served as Senior Vice President of Finance and Chief Information Officer.
In 2006, Mr. Kotush was named Executive Vice President and Chief Financial Officer of Canaccord Genuity.
During his time at Canaccord Genuity's, Mr. Kotush was involved in its initial public offering, common, preferred and convertible debenture issues as well as bank financings. His responsibilities also involved integrating multiple acquisitions, including Genuity Capital Markets in 2010 and Collins Stewart Hawkpoint plc in 2011.
Prior to joining Canaccord Genuity, Mr. Kotush spent eight years at KPMG.
Mr. Kotush is a Chartered Professional Accountant (CPA, CA) and holds a Bachelor of Arts from the University of British Columbia.
Executive Vice President and Chief Operating Officer
Chris Whyte joined Home Capital in April of 2016 and leads a team of over 300 people with oversight for all operations functions including lending, deposit and card operations, funding, servicing and administration as well as operational effectiveness.
Chris also leads the human resources, talent management and corporate communications functions.
Prior to joining the Home, Chris was Senior Vice President of Lending with D+H and held other senior roles from 2012 to April 2016.
From 1999 to July 2012, Chris held various senior level roles with CIBC including Alternate Channels, Personal Lending, Sales and Service, Commercial Banking and New Ventures with CIBC World Markets.
Executive Vice President, Corporate Counsel and Corporate Secretary
Chris Ahlvik is Executive Vice President, Corporate Counsel and Corporate Secretary of Home Capital Group Inc. and Home Trust Company. He has a B.A. from the University of Toronto and an LL.B from Queen’s University. Mr. Ahlvik is member of the Ontario Bar, and has over 30 years of experience in the practice of law in the financial services industry, which includes acting as legal counsel for Confederation Life Insurance Company and as Vice-President, Corporate Law and Corporate Secretary for Manulife Financial Corporation. He has been legal counsel for Home Capital Group Inc. and Home Trust Company since 2006.
Executive Vice President, Enterprise Risk Management and Chief Risk Officer
David Cluff joined Home Capital in 2012 and has since held senior positions including Vice President Enterprise Risk Management and Chief Credit Officer. Mr. Cluff brings an extensive background in credit and risk management. He was responsible for developing and leading the implementation of a credit governance framework for Home Trust Company. Prior to joining Home Capital Mr. Cluff spent 12 years at the Office of the Superintendent of Financial Institutions where his last role was Director, Credit Risk Division. During his tenure with OSFI, Mr. Cluff developed a deep understanding of the regulatory landscape for financial institutions. Mr. Cluff obtained a BComm from Mount Allison University and an MBA from St. Mary's University and is a CFA charterholder.
Executive Vice President, Residential Mortgage Lending
Pino G. Decina is Executive Vice President, Residential Mortgage Lending of Home Capital Group and its subsidiary, Home Trust. He graduated from York University with a Bachelor of the Arts in Economics, and as an Accredited Mortgage Professional is frequently invited to speak at mortgage industry events. Before joining Home Trust, he held a variety of senior positions with Citifinancial. His career with the Company began in 2003 as Senior Manager, Mortgage Underwriting, progressing to Vice President, Residential Mortgage Lending three years later. He was appointed to his current position in 2012.
Executive Vice President, Commercial Mortgage Lending
John Harry is Executive Vice President, Commercial Lending. He graduated from the University of Toronto with a Bachelor of Commerce degree and is currently completing the Directors Program at the Rotman School of Management. He has a long career in management that has included senior positions with Scotiabank, Adelaide Capital, First National and Equitable Trust. He joined Home Trust in 2007 as Senior Vice President, Credit & Risk Management, and has overseen the Company’s commercial lending since 2009.
Executive Vice President, Operations
Dinah J. Henderson is Executive Vice President, Operations. She is a CPA, CGA with extensive experience in accountancy and operational management specifically in the financial services industry. She joined Home Trust in 1998 as Manager, Internal Audit and became Chief Accountant in 2005.
She subsequently became Vice President of Finance in 2009 and then Vice President of Operations in 2011, assuming her current title in 2015.
Prior to joining the Corporation she worked in public practice. She is responsible for overseeing the centralized operations and administration group with an emphasis on operational excellence.
Executive Vice President, Deposits & Consumer Lending
Benjy Katchen is Executive Vice President, Deposits & Consumer Lending. He holds an HBA (Dean’s List) from the Richard Ivey School of Business and an MBA (with distinction) from INSEAD.
He has nearly 20 years of experience in the financial services industry including roles as an entrepreneur, investment banker, executive and strategy consultant.
In addition to his professional commitments, he is Chairman of the Board and President of The Hammer Band, From Violence to Violins—a charitable organization dedicated to providing children from at-risk neighbourhoods in the GTA with a music education that promotes self-esteem, empathy and tolerance.
Executive Vice President, Strategy
Gregory Parker was appointed Executive Vice President and Chief Risk Officer in January 2015. Mr. Parker joined Home Capital in 2010 as Treasurer. Prior to joining Home Capital he was Director, Capital Markets Division, with OSFI. Mr. Parker began his career as a Senior Trader with the Bank of Montreal and has held a variety of senior capital market positions with CIBC Wood Gundy, Security Pacific (now Bank of America) and Deutsche Bank, among others. Mr. Parker obtained a BBA from Acadia University and a MBA from Dalhousie University. Mr. Parker also serves on the Board of Directors of the Company's wholly owned subsidiary PSiGate Inc. Mr. Parker holds an ICD.D designation from the Rotman School of Business.
Senior Vice President & Chief Compliance Officer
Senior Vice President, Internal Audit
Anthony Stilo is Senior Vice President, Internal Audit of Home Capital Group Inc. and its subsidiary, Home Trust Company. Mr. Stilo joined the Company in February 2016.
Prior to joining Home Trust Company, Mr. Stilo worked as the Managing Director, Internal Audit for Tangerine Bank for four years, and for MCAP as their Chief Audit Officer during the preceding ten years. He has also served more recently as chair of his provincial accounting association board during the unification of the accounting profession in Ontario.
Mr. Stilo holds an Honors Bachelor of Commerce from the University of Toronto, the fellowship accreditation from the Chartered Professional Accountants of Ontario, and an ICD.D from the Institute of Corporate Directors at the Rotman School of Management.
Jacqueline E. Beaurivage recently retired from the Ontario Teachers' Pension Plan (OTPP) as Vice-President, Project Management Office, and Strategy. Prior to joining OTPP, Ms. Beaurivage was Senior Vice-President, at CIBC, including roles in Corporate Development, Internal Controls, and as head of the GTA Retail Banking salesforce. Previously, Ms. Beaurivage held executive positions in marketing and Retail Banking - and numerous positions in Corporate and Commercial Banking - with RBC. Ms. Beaurivage holds a BA from the University of Regina, MBA from McGill University, and the ICD.D designation, having completed the Director's Education Program at the Rotman Business School, University of Toronto. Previous corporate director roles include: FirstCaribbean International Bank, CIBC West Indies Holdings, Inc., CIBC Securities Inc. (Board Chair), CIBC Suisse, CIBC Mortgage Corporation, CIBC Trust (President & CEO), St. Michael's Hospital Board Foundation, and Mood Disorders Association of Ontario (Board Chair).
Robert J. Blowes was most recently Executive Vice President and Chief Financial Officer of Home Capital Group Inc. and its subsidiary Home Trust Company. Mr. Blowes served in this capacity from 2011 until his retirement from the Corporation on December 31, 2014. Mr. Blowes joined the Corporation in 2010 as Senior Vice President, Finance. Prior to joining the Corporation, Mr. Blowes was with Ernst & Young LLP, Chartered Accountants. He was a Partner in that Firm for 25 years and was part of the Financial Services Industry Group for over 10 years. Mr. Blowes' client base included banking and trust companies, life, property and casualty insurance carriers, brokerages and other financial services. Mr. Blowes also served leading technology companies and has had extensive experience with reporting issuers. Mr. Blowes received his Chartered Accountant designation in 1977 and Certified Public Accountant (Illinois) designation in 2004. In 2013 he was elected a Fellow of the Ontario Institute of Chartered Accountants and CPA Ontario.
Chair of the Board
Brenda J. Eprile is Managing Director, Canada at Eprile & Company. Ms. Eprile's business background includes running the risk consulting practice for the Canadian operations of a major global accounting, audit, tax and consultancy firm and creating a multi-million dollar regulatory consulting practice assisting financial services firms, public companies and regulators. Prior to her seventeen year consulting career, Ms. Eprile was a senior member of the Ontario Securities Commission as Chief of Staff (Executive Director), capping twelve years as a securities regulator including six years in the Office of the Chief Accountant (as Chief Accountant and Associate Chief Accountant) and two years in the Enforcement Branch. Ms. Eprile is a financial expert (Fellow Chartered Professional Accountant) and has received the Institute of Corporate Director's designation (ICD.D). She holds a B.A. (Hons) from the University of Toronto and an MBA from York University. In 2013 Ms. Eprile served on a four person expert panel for the federal government (appointed by the Minister of Public Safety) focused on strengthening the integrity of Canada's capital markets through more effective enforcement. Ms. Eprile also serves on other boards including the Board of Westport Innovations Inc. and is Chair of Westport's Audit Committee, the Board of War Child Canada and is Chair of War Child's Audit Committee and the Board of BBS Securities.
Paul G. Haggis is a director and executive with deep experience in financial services and management of large financial organizations, having served as CEO of Alberta Treasury Branches and of two of Canada's largest pension funds.
Paul was President and CEO of OMERS, one of Canada's largest pension funds from 2003 to 2007. Prior to that, he was interim CEO of The Public Sector Pension Investment Board (PSPIB), and served as a director from April 2000 to August 2003. Earlier in his career, Paul held a number of executive roles, including Executive Vice President, Business Development and Chief Credit Officer at Manulife Financial and CEO of Princeton Developments Ltd.
Paul is a member of a number of Boards. He is currently Chairman of the Alberta Enterprise Corporation and a director of Advantage Energy of Calgary and Pure Industrial REIT. In addition Paul served as Chairman of Canadian Pacific Railway from 2012 to 2014, and retired as a director of Canadian Pacific in May of 2015.
Paul was also a member of the Canadian Forces. Commissioned into the Air Force Reserve in February of 1971, he served in various capacities before retiring as Honorary Colonel of 435 Transport Squadron in 1997. Paul is a graduate of the University of Western Ontario. Paul is also certified as a Chartered Director (C. Dir) through the Directors College at McMaster University.
Alan Hibben has had a wide-ranging career in financial services, with specific experience in merger and acquisition advisory services, private equity and venture capital, trust company management, project and leveraged finance, and Eurobond sales and trading.
Mr. Hibben retired as a Managing Director in the Mergers and Acquisitions Group of RBC Capital Markets in December of 2014. Previously, he held the position of Head, Strategy & Development at RBC Financial Group.
In this role, he was responsible for corporate strategy as well as merger, acquisition and development activities for the Bank.
He was also Chief Executive Officer, RBC Capital Partners, the private equity investment arm of RBC Financial Group.
Prior to RBC, Mr. Hibben worked in senior roles at North American Trust Company, including serving as President from 1991 to 1993.
He led this 30-branch, 650-employee national trust company through a restructuring and sale after previous management had been relieved and market conditions had eliminated profitability.
Mr. Hibben currently provides financing and strategic advice and expert witness services through his advisory and investment company, Shakerhill Partners Ltd. Since December 2014, he has been an advisor to the Province of Ontario on a number of files, including the Companies' Creditors Arrangement Act (CCAA) processes for Stelco and Algoma Steel.
He is also a director of HudBay Minerals Inc. (TSX and NYSE: HBM), Extendicare Inc. (TSX: EXE) and the Mount Sinai Hospital Foundation.
He earned a B.Com. from the University of Toronto and is qualified as a Canadian CPA. He is also a CFA charter holder and an Institute Certified Director (ICD.D) of the Institute of Corporate Directors.
Independent DirectorAn actuary by training, Claude Lamoureux was the inaugural President & CEO of the Ontario Teachers' Pension Plan. From 1990 to his retirement in 2007, he oversaw Teachers' development into one of the world's leading pension plans with more than $100 billion in net assets, an innovative investment program, and outstanding services to more than 250,000 plan members.
James H. Lisson, 66, is an accomplished professional with 39 years of legal, board, executive and advisory experience. He spent 34 years in Canada and England with two of Canada's leading law firms, Osler, Hoskin and Harcourt and then Fasken Martineau DuMoulin LLP. He also served seven years as a director, Chairman and then Executive Chairman of Cadillac Fairview Inc., including overseeing a financial restructuring. Mr. Lisson served on executive interchange with the Federal Department of Finance during which he advised on financial services reform. Mr. Lisson is a member of the Law Society of Upper Canada and the Law Society of England and Wales. He is Past Chair of the National and Ontario Business Law Sections of the Canadian Bar Association. He also holds an ICD.D designation from the Institute of Corporate Directors. Among his other roles, he serves as a member of the NAFTA Financial Services Dispute Resolution Panel. Mr. Lisson holds a Master of Laws from Yale University, a Bachelor of Laws from Dalhousie University and a Bachelor of Commerce from McGill University.
Independent DirectorSharon Sallows is a professional director with public and private company experience, and considerable investment oversight background in Canada and internationally. She brings experience in lending and investment across a wide range of industry groups including real estate, infrastructure and natural resources. She has strong analytical and strategic skills with financial expertise, a proven track record in achieving organizational success in both acquisition and turnaround contexts and deep expertise in governance, compensation and human resource issues.
Bonita J. Then is the retired President and Chief Executive Officer of Speciality Foods Limited, a U.S. based food company. Prior to joining Speciality Foods Limited, Ms. Then was Chair of the Board and interim Chief Executive Officer for Humpty Dumpty Snack Foods Inc. Prior to 2006, Ms. Then held several senior finance roles with companies such as Altamira Investment Services Inc., National Trustco Inc., Scott’s Hospitality Inc., Central Guaranty Trustco Inc. and Shell Canada Limited. Ms. Then holds a bachelor’s degree in economics and an MBA in Finance from the University of Toronto and holds an ICD.D designation. From 1991 until 2014, Ms. Then served on the Investment Advisory Committee for Nunavut Trust and also served on the board of the University of Toronto Asset Management Corporation from 2008 to 2011. Prior to 2005, Ms. Then served on the board of the Earlscourt Family Centre, GeniSystems.ca Services Inc., the Toronto Victoria Order of Nurses and was a member of the Ontario Premier’s Technology Council.
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Home Trust is a federally regulated trust company and a wholly owned subsidiary of Home Capital Group Inc., a publicly held company that trades on the TSX under the symbol HCG.