Meeting Briefing Book

• Top tech leader for retail bank: Owns the technology engine behind Scotiabank's entire Canadian Banking division. 23
• Career-long Scotiabanker: Nearly two decades at the bank, rising from wealth-tech director to divisional CIO. 134
• AI is her front-burner theme: Publicly framing 2026 around AI's "positive impacts on our clients" and enterprise AI rollout. 78
• Immigrant reinvention story: Born in Bulgaria, raised in Turkey, moved to Canada at 12; she leads on resilience and adaptability. 2

• Mandate: Leads technology modernization for Scotiabank's Canadian Banking division. 2
• Scope: "Canadian Banking Engineering" - the engineering org building and running retail/everyday banking systems. 3
• Reliability obsession: Wants banking tech "so reliable and integrated into daily life that it feels nearly invisible," like electricity. 2
• Priorities now: Mobile-led, frictionless experiences; proactive, personalized client insights; 24/7 availability; embedding AI. 3
• Team philosophy: Set clear objectives, give autonomy, remove roadblocks, shield teams from friction so work feels meaningful. 2
• Peer: Works alongside Sebastian Blandizzi (SVP & CIO, Data & Global Wealth Technology) on the bank's tech agenda. 3

• SVP & CIO, Canadian Banking Engineering, Scotiabank (current) - divisional CIO for Canadian retail banking technology. 13
• Vice President, Canadian Bank Technology, Scotiabank (from ~2019) - the role that scaled into the current CIO mandate. 45
• Managing Director, Scotiabank Canadian Wealth Management (~2017 to 2019) - moved from pure tech delivery toward business-line leadership. 45
• Director, Wealth Management Technology Solutions, Scotiabank (~2015 to 2017) - investment solutions and portfolio-management technology. 45
• Earlier Scotiabank / Bank of Nova Scotia roles - part of her ~18-to-20-year tenure; started when overnight code builds were the norm. 13

• University of Toronto - B.A., Computer Science (Honours). 45

• Scotiabank "Perspectives" podcast, "The evolution of technology in banking" (Oct 2025): Full transcript. Key points she made:
• On the pandemic: it forced digital mortgage signing and payment deferrals fast, and clients have not gone back (paraphrase) - they now expect, in her words, "I will do as much as I can on my own time, from my own space." 3
• On the future: banking becomes "embedded" - buy a car and insurance comes automatically; set up a mortgage inside the signing process rather than rate-shopping. 3
• On personalization: clients no longer want a nudge to "contribute to your RESP" - they want to know "how much and where they are and how much longer to achieve your goal." 3
• On trust: "If a client doesn't have trust in their bank, what do we have then?" 3
• On the moment: "It really is such an amazing time to be an engineer... take cool technology and turn it into something that is really, really meaningful." 3
• Women of Influence feature, "Turning adversity into advantage" (Nov 24, 2025; republished by Scotiabank Dec 16, 2025): Bylined profile. Her line on vision: technology "so reliable and integrated into daily life that it feels nearly invisible." Advice to future leaders: "Be yourself... Work hard. Be resilient. Take on stretch opportunities... bring your whole self to everything you do." 26
• Women of Influence social feature (Nov 2025): Framed around her idea of "the power of invisible systems" that "hold steady through constant change." Appearance/feature confirmed; commentary is WOI's paraphrase of her. 10
• BFUTR 2025 (Black Professionals in Tech Network), spoke Nov 2025: Posted that she "had the honour of speaking at #BFUTR2025," calling diversity and allyship "the bedrock of stronger teams, smarter products, and better outcomes" and citing "candid discussions about what's working and what's not." 15

• Active LinkedIn poster, ~1 to 2 posts/month: Publishes original commentary and amplifies Scotiabank tech/AI milestones; posts routinely draw 200 to 575 reactions. Classification: ACTIVE_AMPLIFIER (verified by pulling her actual post feed, not a profile snapshot). 781213
• AI town halls, posted twice in June 2026: June 15 post on the #ScotiaTech Town Hall said the AI strategy's "clarity of direction" stood out and is "positioning Scotiabank as a true leader in this space among Canadian banks." 8 June 8 post on the Canadian Banking Engineering Town Hall: "moving beyond isolated AI use cases toward a more unified, secure, and scalable approach - grounded in strong data, platform thinking." 7
• Scene+ at Shell launch (June 12, 2026): Reposted VP Rohan Trivedi's launch note with her own commentary - said she used it "on day one" and called it "a fantastic example of what we can achieve together with strong collaboration." 14
• Q1 Town Hall (Jan 30, 2026): Recapped the Canadian Banking Engineering Q1 Town Hall and her sit-down with Group Head Aris Bogdaneris on 2026 goals and priorities; ~575 reactions, her most-engaged recent post. 12
• "Best of the Best" recognition (March 17, 2026): Celebrated top performers at a team event in the Dominican Republic; recurring people/culture theme. 13
• International Women's Day (March 12, 2026): Posted about a Scotiabank Toronto SWI event "focused on learning, connection, and impact." 9
• Enterprise AI backdrop: Scotiabank launched "Scotia Intelligence" (incl. the employee-facing "Scotia Navigator" assistive AI) on April 13, 2026 - the enterprise AI push her recent posts echo. 11

• Immigrant journey she tells herself: Born in Bulgaria, raised in Turkey (Istanbul), immigrated to Canada at age 12; each move meant a new language and culture. She credits this for her resilience and adaptability. 26
• Leadership identity: Publicly featured as a Women of Influence honoree/subject in 2025; comfortable being a visible woman-in-tech leader and mentor within Scotiabank's women's programming. 2910

1. S1
   linkedin.com ↗

   LinkedIn profile: confirms current title, "nearly two decades" at Scotiabank, and reverse-chronological role list - accessed 2026-07-01
2. S2
   scotiabank.com ↗

   Scotiabank Perspectives feature "Turning adversity into advantage": bio, background, leadership philosophy, direct quotes - 2025-12-16
3. S3
   scotiabank.com ↗

   Scotiabank Perspectives podcast transcript "The evolution of technology in banking": her quotes on tech, pandemic, AI, personalization, trust - Oct 2025
4. S4
   rocketreach.co ↗

   Career history with dates and education (U of T, B.A. Computer Science with Honors) - accessed 2026-07-01
5. S5
   zoominfo.com ↗

   Corroborates title, prior roles, and University of Toronto B.A. - accessed 2026-07-01
6. S6
   womenofinfluence.ca ↗

   Original Women of Influence profile (source of the Scotiabank republish) - 2025-11-24
7. S7
   linkedin.com ↗

   Her post on Canadian Banking Engineering Town Hall focused on AI - spring 2026
8. S8
   linkedin.com ↗

   Her post on ScotiaTech Town Hall and the Bank's AI strategy - spring 2026
9. S9
   linkedin.com ↗

   Her post on Scotiabank's International Women's Day Toronto event - March 2026
10. S10
    linkedin.com ↗

    Women of Influence feature referencing her "power of invisible systems" - Nov 2025
11. S11
    scotiabank.investorroom.com ↗

    Scotiabank press release: enterprise AI launch (Scotia Intelligence / Scotia Navigator) - 2026-04-13
12. S12
    linkedin.com ↗

    Her post recapping the Q1 Canadian Banking Engineering Town Hall and priorities talk with Aris Bogdaneris (~575 reactions) - 2026-01-30
13. S13
    linkedin.com ↗

    Her post celebrating "Best of the Best" performers in the Dominican Republic - 2026-03-17
14. S14
    linkedin.com ↗

    Her commentary reposting the Scene+ at Shell launch, "used it on day one" - 2026-06-12
15. S15
    linkedin.com ↗

    Her post on speaking at BFUTR 2025 (Black Professionals in Tech Network) on tech, AI, and diversity - 2025-11-20

• Runs Scotiabank's apps. VP of Web and Mobile Engineering for Canadian Banking, owning the client-facing Scotia mobile and web experience 13.
• Lifer, promoted from the code. Roughly 13.5 years at Scotiabank, climbed from Business Analyst to Developer to VP, all in mobile and digital 13.
• Engineer, not a marketer. Background is hands-on software and mobile banking delivery, now leading the teams that ship the app 23.
• AI is on his plate now. His app surface is where Scotiabank's new AI personalization and fraud features are landing 7.

• Mandate: leads Web and Mobile Engineering for Scotiabank Canadian Banking, the teams that build and ship the Scotia app and web banking 13.
• Scope: client-facing digital banking on mobile and web; his surface is where AI personalization, fraud protection, and card controls ship to Canadian clients 17.
• Priorities now: AI-powered predictive payment prompts, in-app scam and fraud protection, and card management features rolled out in the April 2026 app update 7.
• Team: manages engineering managers; one named report is Joury Younes, Senior Manager Development, Mobile and Web 2.
• Reports to: not public; sits inside Canadian Banking engineering 2.

• 2023 to now · Scotiabank, VP, Web and Mobile Engineering (Canadian Banking / Scotia Digital). Owns the client app and web platform 13.
• 2021 to 2023 · Scotiabank, Head of Engineering, Mobile (Scotia Digital Canada). Announced the promotion himself in 2021 34.
• 2019 to 2021 · Scotiabank Digital Factory, Director, Software Development, Mobile Banking and Payments. Digital Factory is the bank's product-build arm 23.
• 2017 to 2021 · Scotiabank, Senior Development Manager, Mobile Banking and Mobile iTrade; Technical Project Lead and Scrum Master 3.
• 2014 to 2017 · Scotiabank, Senior Developer 3.
• 2013 to 2014 · Scotiabank, Programmer Analyst and Senior Technical Business Analyst. Entry point into the bank 3.
• 2011 · Nirma Limited (India), Engineer 23.
• 2008 to 2010 · Saurashtra Cement Limited (India), Engineer. Pre-tech career before moving into software and to Canada 23.

• Centennial College, School of Business · Software Engineering Technician (Information Technology) 23.
• Shantilal Shah Engineering College, Bhavnagar, India · Bachelor's degree, Electrical and Electronics Engineering 3.

• He posts original content, not just reshares. His two most recent LinkedIn posts (May and June 2026) are his own writing with real substance, each drawing 285 to 376 reactions. An earlier read of his feed as "reshares and tags only" was wrong 56.
• ScotiaTech Townhall, emcee, June 12 2026. Wrote about emceeing the ScotiaTech Townhall "representing 18,000+" technologists, and about sitting executives down for "honest, unscripted conversations about where the bank is headed and how AI will shape what comes next." His framing: the technology is only half the story, the people building it, amplified by AI, are the other half. #ScotiaTech #ScotiaIntelligence 6.
• Shell Go+ partnership, May 28 2026. Original post crediting his team for "the engineering delivery behind this strategic partnership" · Scotiabank debit and credit cards linked to Shell Go+, up to 10 cents per litre at 1,400+ Shell locations, plus Scene+ points on fuel 5.
• Swift TO conference talk, Aug 2019 (older). Posted that he would "share our digital transformation journey and evolution of iOS development at Swift TO," an iOS developer conference. Career context, not fresh, but he has spoken publicly 12.
• Milestone posts pull a large, engaged network. His career-announcement posts (VP appointment April 2023, Head of Engineering Dec 2021) each drew 320 to 370 reactions and 90+ comments 4.
• No podcasts or outside articles found. The FF News speaker profile under his name is a different person, a UK digital-mortgage (StrideUp) founder, not the Scotiabank engineer 8.

• Currently in an active posting phase. Two original, high-engagement posts in roughly five weeks (May 28 and June 12 2026); he is not silent 56.
• Emceed the ScotiaTech Townhall. Public-facing role at the bank's internal tech event, and he chose to write about the AI direction leadership laid out, in his own voice 6.
• Led engineering on the Shell Go+ launch. Frames himself as delivery lead on a live consumer payments partnership he shipped 5.
• Cadence overall is occasional, not prolific. Between milestone and program posts he can go quiet for stretches; the recent run is a burst tied to ScotiaTech and a product launch, roughly one to two substantive posts a month right now 56.
• Also tagged on the ScotiaTech event circuit. Surfaced as "VP Mobile and Web" at Salesforce Agentforce Tour and a Scotia Intelligence event in Bogota; attendance signal on top of his own posting 10.

• Immigrant engineer story. Started as an engineer in Gujarat, India, retrained at Centennial College in Toronto, and built a full career inside one bank 23. Nothing further clean and professionally relevant found.

1. S1
   linkedin.com ↗

   LinkedIn profile: current title (VP Web and Mobile Engineering, Scotiabank Canadian Banking), location, education, ~13.5 year tenure · accessed 2026-07-01
2. S2
   theorg.com ↗

   career summary, prior companies (Nirma, Saurashtra Cement), Digital Factory director role, named report Joury Younes, Toronto location · accessed 2026-07-01
3. S3
   rocketreach.co ↗

   full reverse-chronological role timeline 2008 to now, two degrees, skills · accessed 2026-07-01
4. S4
   linkedin.com ↗

   his 2021 post announcing promotion to Head of Engineering, Mobile, Scotia Digital Canada · accessed 2026-07-01
5. S5
   linkedin.com ↗

   his own post May 28 2026 crediting his team for the engineering delivery behind the Scotiabank-Shell Go+ partnership (up to 10 cents/litre at 1,400+ Shell locations, Scene+ points); original commentary, 285 reactions · pulled via LinkedIn 2026-07-01
6. S6
   linkedin.com ↗

   his own post June 12 2026: emceed the ScotiaTech Townhall "representing 18,000+" technologists, wrote about executives' "honest, unscripted conversations" on the bank's direction and how AI shapes what comes next; 376 reactions; #ScotiaTech #ScotiaIntelligence · pulled via LinkedIn 2026-07-01
7. S7
   scotiabank.investorroom.com ↗

   April 8 2026 Scotia app update, primary page read and all three features confirmed verbatim: "AI-Powered Predictive Payment Prompts" (patented), "Built-In Protection Against Scams and Fraud" (in-app alert during phone calls, real-time unusual-transaction flags), "Enhanced Card Controls" (replacement debit card, adjust card limits, add Visa to digital wallet); his product area · 2026-04-08
8. S8
   ffnews.com ↗

   FF News speaker profile linking to a StrideUp digital-mortgage press release; a same-name namesake, not the Scotiabank engineer (ruled out) · accessed 2026-07-01
9. S9
   linkedin.com ↗

   separate Toronto "Rohan Trivedi," Product Owner (CSPO), a different person (ruled out) · accessed 2026-07-01
10. S10
    instagram.com ↗

    ScotiaTech / Scotia Intelligence event post tagging "Rohan Trivedi, VP Mobile and Web" (Agentforce Tour, Bogota); attendance tag only · accessed 2026-07-01
11. S11
    scotiabank.com ↗

    Scotiabank launch of Scotia Intelligence enterprise AI platform (bank-wide AI program context) · accessed 2026-07-01
12. S12
    linkedin.com ↗

    his Aug 2019 post about speaking at Swift TO (SwiftConf Toronto) on Scotiabank's "digital transformation journey and evolution of iOS development"; older, career-context only · pulled via LinkedIn 2026-07-01

• Top tech exec for International Banking. SVP & CIO of International Banking Technology & Transformation at Scotiabank 16.
• LatAm transformation operator. Known for continuously driving transformative change across Latin American financial services over a 15-plus year career 1.
• Chile digital-bank builder. Led the digital transformation that Scotiabank credits with a Best Digital Bank recognition in 2022; the related region-wide honor that year was LatinFinance naming Scotiabank Chile Digital Bank of the Year for Latin America and the Caribbean 19.
• Just externally recognized. Named to the HITEC 50 list of 2025, one of the top Hispanic technology-leader honors in the Americas 12.

• Mandate: Owns technology and transformation for Scotiabank's International Banking footprint (its LatAm and international markets), not just a single country 16.
• Scope: Global CIO-level remit spanning modernization, digital channels, and the tech that supports client transactions "in the most reliable and secure way" 1.
• Philosophy: His stated operating "DNA" is that "processes transform technology and technology transforms processes" 3.
• Peers: Works alongside Maria Fernanda Mendoza Franco (Director, Global Operations Technology) and Danilo Gonzalez (SVP Head of Technology) in the same tech leadership group 16.
• Reports to: Not public; his group head is Francisco Aristeguieta, Group Head, International & Global Transaction Banking, who publicly champions his work 18.

• Scotiabank, SVP & CIO, International Banking (Jul 2024 to present). Global tech mandate for International Banking; HITEC 50 2025 honoree 1211.
• Scotiabank Chile, CIO & Modernization VP (Sep 2022 to Jul 2024). Ran the modernization/digital agenda in Chile; profiled at age 31; this era is tied to the 2022 Best Digital Bank recognition 3911.
• Scotiabank Chile, Head of Modernization and Continuous Improvement (Oct 2021 to Sep 2022) 11.
• Scotiabank Costa Rica, Director Lean & Smart Automation, Central America (May 2019 to Oct 2021) 11.
• Scotiabank, Technology Advisor (Jun 2018 to May 2019) 11.
• Banco Santander, Madrid, Digital Transformation co-Head (Jul 2014 to Aug 2018) 11.
• CEMEX, Project Quality Manager (Feb 2010 to May 2014) 11.
• Legal-entity affiliations: Listed as SVP & CIO tied to Scotia Casa de Bolsa and Scotiabank Mexico in executive-registry databases, reflecting the Mexico/LatAm entities within his International Banking remit 45.
• Overall: Scotiabank frames this as a 15-plus year career in Latin American financial-sector technology; his finance-tech track specifically began at Banco Santander in 2014 111.

• Ingeniero en Produccion Industrial (Industrial Production Engineering). Tecnologico de Costa Rica, 2010-2015 11.
• MBA. Universidad Politecnica de Madrid, 2016-2018 11.
• Lean Black Belt. New York University, 2018-2019 11.
• MEng, Computer Programming. Texas Tech University, 2021-2024 11.
• Engineer by background. Chilean business press refers to him as "el ingeniero" (the engineer); the "atypical combination" of process and technology is his own framing 3.

• Active, original LinkedIn voice. Posts in his own words about 2 to 3 times a month, mostly in English with a Spanish mirror. Consistent themes: ScotiaTech team leadership, LatAm modernization, and AI moving from pilots into production 121315.
• iupana panel on intelligent digital channels. Sat on the iupana panel "Canales digitales inteligentes: personalizacion, UX y eficiencia de datos," recapped March 13, 2026. His line: digital channels are not just technology, they are enablers that anticipate client needs and reduce friction 16.
• Diario Financiero profile (Chile). Quoted directly: "Es una combinacion un tanto atipica, pero el ADN que hemos tratado de implementar es que los procesos transforman tecnologia y la tecnologia transforma procesos" (roughly: an atypical combination, but the DNA we've tried to implement is that processes transform technology and technology transforms processes) 3.
• ScotiaTech social features (Instagram/LinkedIn). Appears in ScotiaTech reels introduced as "SVP & CIO de International Banking Technology" and "Vicepresidente Senior de Tecnologia, Modernizacion y Transformacion para Banca Internacional." Appearance confirmed; no full transcript captured 67.
• HITEC recognition, in his own words. Publicly thanked HITEC for the HITEC 100 2026 honor on April 14, 2026, crediting the ScotiaTech team; a prior HITEC 50 2025 listing was carried in Scotiabank's press release 1217.

• Active LinkedIn poster, ~2 to 3 posts a month. 15 posts pulled spanning December 2025 to June 2026, nearly all original. This is a consistently active executive voice, not a silent profile 121314.
• June 15, 2026: Q2 Town Hall. Framed collaboration and "Conecta+" as key to Scotiabank's 2030 goals, signing off as part of "Team Jaguar" 12.
• June 4, 2026: IGTB Town Hall, "Q2 Results & Pivot to Growth." Wrote that Technology is supporting growth by advancing DATA and AI "while keeping the bank safe and modernizing our infrastructure," in close partnership with the business 13.
• May 22, 2026: first #CafeciTalks in Mexico. Launched an open, no-agenda Q&A forum with his teams, framing leadership as closeness and trust-building 14.
• April 17, 2026: AI out of pilots. "AI is moving from pilots into the hands of our teams across the Bank," stressing everyday use for faster, better decisions 15.
• April 14, 2026: HITEC 100 2026 honoree. Thanked HITEC and the ScotiaTech team for the recognition 17.
• Frequent regional visit posts. Documented ScotiaTech transformation work across Uruguay, the Dominican Republic, Colombia, and Mexico through early 2026, alongside earlier ScotiaIDEA Chile and Best of the Best posts 616.

• Nothing clean beyond professional signals. No identity-verified personal detail meets the bar. Honest-empty.

1. S1
   noti.mx ↗

   Scotiabank HITEC 50 press release: full name, title, 15+ year career, Chile digital transformation and Best Digital Bank 2022, Aristeguieta quote · 2025-06-13/15
2. S2
   hitecglobal.org ↗

   Official HITEC50 2025 honoree listing: "Luis Alfredo Gonzalez, SVP & CIO, IB, Scotiabank" + LinkedIn URL · 2025
3. S3
   df.cl ↗

   Diario Financiero profile: VP Technology & Modernization at Scotiabank Chile, age 31, "engineer," direct process/technology quote · (Chile era)
4. S4
   people.equilar.com ↗

   Equilar ExecAtlas: full legal name Luis Alfredo Gonzalez Quiros; SVP & CIO tied to Scotia Casa de Bolsa (Mexico entity) · accessed 2026-07
5. S5
   theofficialboard.es ↗

   The Official Board: SVP, CIO at Scotiabank Mexico · accessed 2026-07
6. S6
   linkedin.com ↗

   ScotiaTech post confirming current SVP & CIO International Banking role alongside Danilo Gonzalez · approx. 2025-07
7. S7
   instagram.com ↗

   ScotiaTech reel: "Luis Alfredo Gonzalez, SVP & CIO de International Banking Technology en Scotiabank" (appearance, no transcript) · 2025
8. S8
   scotiabank.com ↗

   Scotiabank executive management: Francisco Aristeguieta, Group Head, International & Global Transaction Banking (reporting context) · accessed 2026-07
9. S9
   scotiabank.investorroom.com ↗

   Scotiabank Chile named Digital Bank of the Year for LatAm and the Caribbean by LatinFinance · 2022-11-15
10. S10
    emprefinanzas.com.mx ↗

    Spanish restatement of title: "Vicepresidente Senior y Director de Informacion, Tecnologia y Transformacion Bancaria Internacional" · 2025-06-13
11. S11
    linkedin.com ↗

    LinkedIn profile (reviewed via LinkedIn): SVP & CIO International Banking since July 2024; location Mexico; full dated career history (Scotiabank Chile/Costa Rica roles, Banco Santander Madrid 2014-2018, CEMEX 2010-2014); education (Tecnologico de Costa Rica, Universidad Politecnica de Madrid MBA, NYU Lean Black Belt, Texas Tech MEng) · accessed 2026-07
12. S12
    linkedin.com ↗

    Own LinkedIn post: Q2 Town Hall, "Conecta+" and collaboration as key to 2030 goals, "Team Jaguar" · 2026-06-15
13. S13
    linkedin.com ↗

    Own LinkedIn post: IGTB Town Hall "Q2 Results & Pivot to Growth," Technology advancing DATA and AI "while keeping the bank safe and modernizing our infrastructure" · 2026-06-04
14. S14
    linkedin.com ↗

    Own LinkedIn post: first #CafeciTalks open Q&A session in Mexico, leadership as closeness and trust · 2026-05-22
15. S15
    linkedin.com ↗

    Own LinkedIn post: "AI is moving from pilots into the hands of our teams across the Bank" · 2026-04-17
16. S16
    linkedin.com ↗

    Own LinkedIn post recapping iupana panel "Canales digitales inteligentes: personalizacion, UX y eficiencia de datos" · 2026-03-13
17. S17
    linkedin.com ↗

    Own LinkedIn post: thanks HITEC for HITEC 100 2026 honoree recognition, credits ScotiaTech team · 2026-04-14

• Top tech leader for Tangerine: now Chief Technology Officer of Scotiabank's digital bank, roughly 2 million clients. 24
• Owns the build side: career is engineering and platform delivery, not business or product line management. 12
• Waterloo engineer, hands-on builder: classic Canadian technical pedigree; a long software-and-platform delivery arc. (A 2002 Microsoft entry is a 4-month term, not a formative stint.) 12
• Walking into a replatform: Tangerine is mid-way through a 10-year core banking overhaul with Engine by Starling, signed Nov 2025. 46

• Mandate: as CTO of Tangerine (since 2026), own technology for Scotiabank's digital bank; the role builds on his prior digital and operations engineering leadership at Scotiabank. 12
• Scope: the engineering organization behind Tangerine's mobile app, onboarding, chequing, savings, and money-management features for 2M+ clients. 4
• Priorities now: overseeing the shift of Tangerine's core system to Engine's cloud-native SaaS platform under a 10-year agreement. 46
• Why it matters: the replatform aims to cut operational cost and complexity and speed time-to-market for new products. 4
• Team: works alongside a dedicated Engine team in Toronto (product, delivery, technical specialists) embedded to run the migration. 48
• Reports to: not publicly stated; Tangerine is led by President and CEO Terri-Lee Weeks. 8

• Tangerine (Scotiabank subsidiary), Toronto: Chief Technology Officer (2026 to present); Senior Vice President of Engineering (Aug 2025 to Mar 2026). 2
• Scotiabank, Toronto (Mar 2017 to Aug 2025): SVP, Digital and Operations Engineering (Mar to Aug 2025); SVP, Client Engineering (May 2023 to Mar 2025); VP, Head of Engineering, Digital Banking (Nov 2019 to May 2023); Head of Engineering, Canadian Digital Banking (Aug 2018 to Nov 2019); Director, Engineering (Mar 2017 to Aug 2018). A steady eight-year internal climb. 2
• Rakuten Kobo Inc. / Kobo, Toronto (Oct 2010 to Mar 2017): Director R&D Devices and Apps and earlier device-team leadership; led development of multiple Kobo eReaders. Consumer-hardware-plus-software experience at scale. 12
• Descartes Systems Group, Toronto (Dec 2006 to Oct 2010): Manager then Director, Software Development; enterprise logistics-software (on-demand route planning). 12
• Cube Route (Oct 2004 to Dec 2006): development manager; logistics software, later consolidated into the Descartes ecosystem. 12
• Booksoft (Jun 2003 to Oct 2004): software developer, first role out of school. 2
• Microsoft Corporation (Sept to Dec 2002): Software Design Engineer, a 4-month term during his Waterloo studies, not a formative big-tech stint. 2

• University of Waterloo: BASc, Computer Engineering, 1998 to 2003. 12
• Certification: Certified ScrumMaster (listed as his LinkedIn "About"). 2

• Active LinkedIn poster, not silent: publishes original first-person posts roughly 3 to 4 times a month, with high engagement (100 to 1,300+ reactions each). Themes are AI in banking, platform modernization, tech leadership, and Tangerine community work. 1112
• TMLS panel on AI agents in production (June 24, 2026): panelist at the Toronto Machine Learning Summit on moving AI agents "from demo to production in regulated environments." His own words: "it's no longer just about whether something works, but how it behaves when it doesn't," and scaling AI "isn't about the model itself, it's about the operating model around it: the people, the controls." 11
• FutureFest 2026 (posted May 1, 2026): presented at Scotiabank's Digital, Data & Analytics FutureFest on how Tangerine's Engine by Starling partnership uses "modern platforms" to modernize core banking. 12
• TechTO Hackathon judge (posted May 25, 2026): judged the Personal Finance AI Agent track at the TechTO Hackathon during Toronto Tech Week, a track Tangerine Technology sponsored. 13
• NewCo Toronto 2019 (May 24, 2019): presenter at the "Scotiabank Digital Factory" session as Head of Engineering, Canadian Digital Banking, alongside Chief Digital Officer Shawn Rose and Global Head of Design Pamela Hilborn. Appearance confirmed; no transcript or direct quote found. 3
• No podcasts or long-form articles found: articles returns zero LinkedIn articles (verified 2026-07-01), and he is not quoted in the Nov 2025 Tangerine/Engine press release (quotes are from CEO Terri-Lee Weeks and Engine CEO Sam Everington). His public voice runs through his own LinkedIn feed and conference stages, not the trade press. 245

• Posts consistently, ~3 to 4 times a month: a steady first-person feed since taking the CTO seat in March 2026, not a sparse or reshare-only presence. 1112
• AI agents in regulated production (June 24, 2026): his sharpest recent theme, from the TMLS panel. The hard part isn't the demo, it's making agents "reliable, observable, governable, and ultimately trusted" in production, and "the boundary of autonomy becomes a real design decision, not a theoretical one." Directly relevant to Cobalt. 11
• The Engine by Starling replatform (May 1, 2026): publicly framed the core banking modernization at FutureFest as moving "with purpose while delivering experiences that are clear, seamless." 12
• Platform modernization is his throughline (April 23, 2026): on Tangerine's new rewards card launch he credited teams who "modernized platforms, strengthened integrations, and built scalable capabilities," calling out "reliability, speed, and resilience." 14
• Community and culture posts: frequent volunteering and values posts (YMCA Cedar Glen build June 26, GlobalMedic food-packing May 3, Moose Hide and Red Dress Day observances) show a people-and-culture voice, not only delivery talk. 15

• Nothing clean beyond the professional record. No verified personal details surfaced that clear the relevance and privacy bar. Honest-empty. 2

1. S1
   theorg.com ↗

   SVP Digital and Operations Engineering title, career summary (Microsoft, Cube Route, Descartes, Rakuten Kobo), Scotiabank since March 2017, BASc Computer Engineering (Waterloo) · accessed 2026-07-01
2. S2
   linkedin.com ↗

   LinkedIn profile (pulled via LinkedIn 2026-07-01): headline "CTO at Tangerine," current title Chief Technology Officer, Tangerine (since 2026), full dated work history (Tangerine SVP Engineering Aug 2025 to Mar 2026; Scotiabank Mar 2017 to Aug 2025 across SVP Digital and Operations Engineering, SVP Client Engineering, VP Head of Engineering Digital Banking, Head of Engineering Canadian Digital Banking, Director Engineering; Kobo Oct 2010 to Mar 2017; Descartes Dec 2006 to Oct 2010; Cube Route Oct 2004 to Dec 2006; Booksoft Jun 2003 to Oct 2004; Microsoft Sept to Dec 2002), Toronto location, BASc Computer Engineering University of Waterloo 1998 to 2003, Certified ScrumMaster · accessed 2026-07-01 (note: profile-level activity preview understated posting; actual post pull via LinkedIn posts shows an active feed, see [S11]-[S16])
3. S3
   newcotoronto2019.sched.com ↗

   NewCo Toronto 2019 Scotiabank Digital Factory session, Matt Clements as Head of Engineering, Canadian Digital Banking · May 24, 2019
4. S4
   enginebystarling.com ↗

   10-year Tangerine/Engine core banking deal, 2M+ clients, Tangerine as wholly-owned Scotiabank subsidiary, dedicated Toronto team · Nov 4, 2025
5. S5
   prnewswire.com ↗

   same announcement, quotes from Terri-Lee Weeks and Sam Everington (not Clements) · Nov 4, 2025
6. S6
   fintechfutures.com ↗

   Tangerine/Engine as a top banking-tech story, Engine's "largest deal to date" · Nov 2025
7. S7
   rocketreach.co ↗

   Matt Clements, Toronto, listed as Chief Technology Officer at Tangerine (dated aggregator listing) · accessed 2026-07-01
8. S8
   tangerine.ca ↗

   Tangerine leadership; Terri-Lee Weeks as President · accessed 2026-07-01
9. S9
   ipwatchdog.com ↗

   namesake ruled out (Matt Clements, IP lawyer at Apple) · Apr 17, 2019
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    columbiabankonline.com ↗

    namesake ruled out (Matthew Clements, Columbia Bank NJ) · Feb 2019
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    linkedin.com ↗

    own LinkedIn post on his TMLS (Toronto Machine Learning Summit) panel about moving AI agents from demo to production in regulated environments; verbatim quotes on autonomy boundaries and operating model (120 reactions) · Jun 24, 2026
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    linkedin.com ↗

    own LinkedIn post on presenting at Scotiabank FutureFest 2026 about the Tangerine/Engine by Starling modernization (488 reactions) · May 1, 2026
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    linkedin.com ↗

    own LinkedIn post on judging the Personal Finance AI Agent track at the TechTO Hackathon, Toronto Tech Week (333 reactions) · May 25, 2026
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    linkedin.com ↗

    own LinkedIn post on Tangerine rewards card launch, crediting teams for modernizing platforms, integrations, and scalable capabilities (190 reactions) · Apr 23, 2026
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    linkedin.com ↗

    own LinkedIn post on YMCA Cedar Glen volunteer build (Tangerine Project Forward); representative community/culture post (144 reactions) · Jun 26, 2026
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    linkedin.com ↗

    own LinkedIn post announcing first day as CTO of Tangerine; highest-engagement post in feed (1,278 reactions) · Mar 16, 2026

• Runs data + AI platforms: Owns Scotiabank's enterprise data and AI platform layer as SVP & CIO, Enterprise Data & AI Platforms. 1
• Career data engineer: Two decades building data technology across JPMorgan, Priceline, Nielsen, and PwC before banking. 2
• Shipped Scotia Intelligence: Publicly credited with taking Scotiabank's Scotia Intelligence AI suite from "a slide in a deck" to live production. 9
• Named inventor: Holds multiple US patents in payment-data tokenization and enterprise data-lake metadata from her JPMorgan years. 7

• Mandate: CIO for Enterprise Data & AI Platforms at Scotiabank, i.e. the data lakehouse and AI tooling the bank builds on, not a single app. 12
• Scope: Enterprise-wide data platforms plus the AI product surface (Scotia Intelligence) used across teams. 39
• Priorities now: Unifying data and AI, turning AI into everyday productivity impact, and driving broad AI adoption across the bank. 312
• Team context: Part of ScotiaTech; senior peers/reports include directors of Data & AI Technology and multi-cloud data platform leads (Azure Databricks, GCP). 8
• Reports up to: Tim Clark, Group Head & CIO, who owns the bank's overall technology and was appointed Nov 2024. 8

• Scotiabank · CIO, Head of Data & AI (SVP, Enterprise Data & AI Platforms), Oct 2025 to present. Signals a senior external hire brought in to lead the bank's data+AI platform push. 12
• JPMorgan Chase & Co. · Managing Director, Data Technology, Dec 2021 to Oct 2025. Enterprise data platforms at scale; source of her tokenization and data-lake patents. 17
• Priceline · Head of Data, Nov 2019 to Dec 2021. Led the data/analytics org; public face of Priceline's Starburst + Data Mesh architecture. 14
• Nielsen · VP, Technology, Aug 2014 to Oct 2019. Enterprise tech leadership in measurement/analytics. 1
• PwC · Director of Information Technology, Mar 2004 to Jul 2014. Long tenure across IT strategy and delivery. 1
• Opennetwork Technologies · Senior Software Engineer, 2000 to 2004. Early hands-on engineering. 1
• Pivot to note: A career-long data/IT engineer who moved from vendor/consulting (PwC) into large enterprises (Nielsen, Priceline) then top-tier banking (JPMorgan, now Scotiabank). 2

• Cochin University of Science and Technology, India. 2
• Kendriya Vidyalaya (secondary schooling, India). 2

• Starburst Datanova for Data Leaders (2021): Lightning talk "Priceline Innovates Travel with Starburst" as Priceline Engineering Leader; she shared Priceline's data/analytics journey with Data Mesh as the "core architecture." Specific point: Data Mesh as the organizing architecture for a travel-scale data platform. 45
• CDO Magazine, 2021 Top Data Executives (Leisure & Travel): Recognized as Priceline "Head of Data Engineering." Recognition/appearance confirmed; it is a list placement, not a quoted interview. 6
• US patents (named inventor): Includes "Systems and methods for restricting access to tokenization services," enterprise-data-lake metadata classification, and PCI-data prefetch/tokenization filings, granted/pending 2025-2026. Shows hands-on IP in data security and lakehouse metadata. 7
• LinkedIn (her own posts): Her current-voice channel, but low-frequency - an occasional, milestone-driven poster, not a steady thought leader. Full post-history pull shows two authored posts in the trailing 12 months (Apr and Jun 2026), both on Scotia Intelligence; each lands with heavy engagement. See Recent activity for specifics. 31213

• LinkedIn cadence (verified via full post-history pull): Occasional, milestone-driven poster, not silent and not high-frequency. Two authored posts in the trailing 12 months, both in 2026 and both tied to Scotia Intelligence, each with heavy engagement. Classify as OCCASIONAL_POSTER. 31213
• "Scotia Intelligence is live" (Apr 16, 2026): Her most-engaged post (431 reactions, 53 comments). Original text: "A few months ago, this was a slide in a deck. Today, it's a suite of AI tools - powered by a robust data lakehouse - in the hands of thousands of Scotiabankers across the globe." Credits "the people behind it" over the tech. 3
• "Notebooks, Create, and Pages" (Jun 10, 2026): Reshared Tim Clark's Financial Post piece with her own take (115 reactions): "these aren't features for their own sake - they're how we're making AI a default tool, not a special occasion. The real shift is teams reaching for it without thinking twice." 12
• Narrow, consistent theme: When she posts, it is Scotia Intelligence, enterprise AI adoption, and the teams shipping it. No public commentary on vendors, architecture debates, or industry hot takes - useful for framing but do not expect a running feed to reference. 312
• Quiet before 2026: Prior authored post of substance was a Feb 2025 personal charity post (Cycle for Survival); before that, a Sept 2023 Grace Hopper post from her JPMorgan years. She was largely dormant on LinkedIn through her JPMorgan tenure and re-activated around the Scotia Intelligence launch. 13

• Scotiabank sustainability/CSR: Named among the Scotiabank team publicly thanked around a 2026 Scotiabank Earth Day / ocean-conservation event (Reef Aquaculture Conservancy). Clean, professional, low-signal. 11

1. S1
   linkedin.com ↗

   LinkedIn identity, "Chief Data & AI Executive | Board Member" headline, role history (Scotiabank/JPMorgan/Priceline/Nielsen/PwC) · accessed 2026-07-01
2. S2
   rocketreach.co ↗

   dated career history (Scotiabank 2025-now; JPMorgan 2021-2025; Priceline 2019-2021; Nielsen 2014-2019; PwC 2004-2014), Cochin University education, New York location · accessed 2026-07-01
3. S3
   linkedin.com ↗

   Scotia Intelligence global launch post, "data lakehouse," "work smarter, move faster" · 2026
4. S4
   starburst.io ↗

   Priceline lightning talk, Data Mesh as core architecture, Valli Musti as Engineering Leader · 2021
5. S5
   x.com ↗

   Datanova customer-spotlight promo naming Valli Musti, Priceline, Data Mesh · 2021
6. S6
   cdomagazine.tech ↗

   CDO Magazine 2021 Top Data Executives, Valli Musti "Head of Data Engineering," Priceline · 2021
7. S7
   patents.justia.com ↗

   US patents/applications (tokenization access control, enterprise data-lake metadata classification, PCI data prefetch) · grants 2025-2026
8. S8
   scotiabank.com ↗

   Tim Clark appointed Group Head & CIO Nov 2024, owns Bank's overall technology (org she sits within) · accessed 2026-07-01
9. S9
   linkedin.com ↗

   reproduces her Scotia Intelligence post text ("slide in a deck," "suite of AI tools - powered by a robust data lakehouse," "unifying data and ai") · 2026
10. S10
    linkedin.com ↗

    Scotiabank official Scotia Intelligence announcement, Valli Musti tagged/commenting · 2026
11. S11
    instagram.com ↗

    Reef Aquaculture Conservancy thanking Scotiabank team incl. Valli Musti for 2026 Earth Day ocean event · 2026
12. S12
    linkedin.com ↗

    her Jun 10 2026 post resharing Tim Clark's Financial Post piece with own commentary ("making AI a default tool, not a special occasion"), 115 reactions · first-party, verified 2026-07-01
13. S13
    linkedin.com ↗

    full LinkedIn post-history pull (authored posts + reshares): 2 substantive posts in trailing 12 months (2026-04-16 Scotia Intelligence live, 431 reactions/53 comments; 2026-06-10 Notebooks/Create/Pages, 115 reactions); prior authored posts Feb 2025 (charity) and Sept 2023 (Grace Hopper); confirms occasional, milestone-driven cadence · accessed 2026-07-01

• Scotiabank tech CIO owning technology for Global Wealth, Investment Banking and Capital Markets, plus data platforms. 13
• 25+ year FS-tech veteran across Manulife, Fiera Capital and now Scotiabank, always in financial services. 47
• AI is his headline theme and he is vocal about it publicly (podcast, posts, student fireside chats). 29
• Frames tech through client trust and risk, not speed for its own sake. 2

• Mandate: CIO and Head of Global Wealth, Investment Banking & Capital Markets Technology, plus Data. He owns the technology stack for asset management, wealth advisory and private banking globally. 13
• Scope: Data platforms and Global Wealth technology on a global scale; described in Oct 2025 as SVP & CIO for "Data & Global Wealth Technology." 23
• Priorities now: Scaling AI "with discipline and accountability," hyper-personalization for clients, and protecting clients from threat actors as digital surface area grows. 29
• Team (direct/near reports, per org chart): David D'Sylva (VP, Global Wealth Mgmt Technology); Justin Hughes-Jones (VP & Head, Digital, Data & AI for Global Wealth); Amit Gandhi (MD, Engineering & International Wealth); Jigen Shah (Global Head, Technology Risk Officer); Annie Pace (Director, Global Wealth Engineering); Meng Wu (Director, Global Analytics & Financial Engineering). 3
• Reports to: Not named in public sources. 3

• Scotiabank · CIO / Head of Global Wealth, Investment Banking & Capital Markets Technology and Data. In role since November 2023. Owns wealth + GBM technology and data platforms. 123
• Fiera Capital · EVP, Global CTO & COO, June 2018 to November 2023. Led multi-year transformation programs. Signals a shift from pure-tech to combined tech+operations leadership. 135
• COZM Inc. · Founder & CEO, July 2017 to December 2019. An AI technology company aimed at improving trading decisions for investment professionals; shows an entrepreneurial / AI-builder streak. 13
• Manulife · SVP, Global CIO for the Investment Division and Group Functions (Asset Management, General Account Investments), May 2014 to December 2016; at Manulife from 2010 in prior CTO roles. Public keynote presence as "SVP & CIO of Manulife" in 2016; involved in major acquisitions and data-analytics strategy, large teams and budgets. 13612
• State Street · Rose from Software Developer (1998) to VP, Global Technology Services (to 2010) across Toronto, Kansas City and Princeton. The start of a continuous FS-tech run that supports the 25+ year count. 1
• Overall: 25+ years, entirely in financial services technology and operations, from State Street in 1998 through Manulife, Fiera and now Scotiabank. 147

• Not found. His LinkedIn profile lists no education entries (full review 2026-07-01) and no degree or school appears in other accessible public sources. Only self-reported tenure ("more than 20 years"/25+ years in FS) is public. 147

• Scotiabank "Perspectives" podcast, "The evolution of technology in banking" (Oct 8, 2025). He said the pressure in banking tech is "not really associated to delivering with speed... a lot of the pressure is around protecting our clients," because "with that pace, agility and speed comes risk." 2
• Same podcast, on what keeps him up at night. "I've been asked... for the last 25 years, 'What keeps you up at night?' And I've always said cybersecurity... For the first time... I said the proliferation of AI." He warns "people are losing sight of what you're actually exposing in the prompts... to these LLM tools." 2
• Same podcast, on AI raising the bar. Clients now arrive "exponentially more knowledgeable" from AI research, so "we absolutely need our subject matter experts to be at that level and beyond... those who can't meet that challenge will be left behind and we have to move fast." 2
• Same podcast, notable tell. Casually name-checked "ChatGPT or whatever your favourite tool, Anthropic or whatnot" as everyday research tools people bring to their bank. 2
• Same podcast, on quantum. Long-standing personal fascination: "I've been envisioning this for 15 years and it still hasn't hit... but it is coming." 2
• LinkedIn post, Bloomberg Insights & Innovation Summit fireside (Jun 6, 2026). Recapped a fireside chat with Wayne Barlow, Bloomberg's Global Head of Core Product, in Toronto. His line: "trust, data quality, and strong governance should not be seen as constraints. They are the core foundation that enables organizations to scale AI responsibly." Full text pulled and verified. 9
• LinkedIn post, endorsing Gautham Pallapa's book "Invaluable" (Jun 2, 2026). His sharpest Cobalt-adjacent line: "Without that discipline, AI industrializes fragmentation: one problem, three teams, three platforms, three control models." Frames AI as "an amplifier, for clarity or for confusion," not a strategy, and demands "Define Value. Align Execution. Deliver Outcomes." Full text verified. 14
• LinkedIn post, "Have we misunderstood AI?" (Sep 25, 2025). Original long-form essay: "Are we trying to automate the present, or orchestrate the future?" Argues most AI spend is "paving cow paths when we could be building entirely new highways," and reframes AI from a tool that takes tasks off your plate to "a partner that can help us redefine the menu." Drew 233 reactions and 19 comments. Full text verified. 10
• SpringOne Platform 2016 · "Microsoft and Manulife" fireside chat (VMware/Pivotal). Appeared as SVP & CIO of Manulife on cloud transformation. Video confirmed; a full transcript exists on the video page. 6
• InvestOps Europe (Fiera Capital era). Listed speaker as Global Chief Technology & Operations Officer. Appearance confirmed, no captured remarks. 5
• LinkedIn article, "Who am I?" (Sep 14, 2017). Self-authored. Opens: "I'm a Global Technology, Operations and Innovation executive with more than 20 years of experience in the Financial Services industry." Full body behind login. 7

• LinkedIn activity class: ACTIVE_THOUGHT_LEADER, occasional cadence. A live post pull (LinkedIn, 2026-07-01) confirms he writes original long-form essays himself, not reposts. Cadence is bursty rather than frequent: roughly one authored post every one to two months, clustered around events, each drawing strong engagement (185-246 reactions). He is a real voice on LinkedIn, not a silent executive. 91014
• Bloomberg summit recap (Jun 6, 2026). Posted his own recap of a fireside chat with Bloomberg's Wayne Barlow on scaling AI "with intent" on trusted foundations. 246 reactions. 9
• Book endorsement / "AI industrializes fragmentation" (Jun 2, 2026). Original post championing the discipline of "Define Value. Align Execution. Deliver Outcomes," warning that without it AI creates "one problem, three teams, three platforms, three control models." 185 reactions. 14
• "Have we misunderstood AI?" (Sep 25, 2025). Original essay reframing AI from tool to partner; automate the present vs orchestrate the future. 233 reactions, 19 comments. 10
• Student and community fireside chats (2025-2026). Recurring guest at student/tech events (e.g., [case]HACKS 2026 with Lazaridis/Wilfrid Laurier, BAI x The Ticker). Consistent theme: AI and the future of work. 11

• Founder-operator streak. Founded COZM Inc., an AI trading-decision company, alongside his corporate CIO roles. 3
• Mentors students publicly. Repeatedly shows up for university hackathons and student fireside chats, suggesting he enjoys the teaching/next-gen angle. 11
• Shares personal framing. On the podcast he referenced his kids ("'Level up'? I usually hear that from my kids") to make a point about technology and learning. He also appeared to reference his parents' immigrant background, but that aside could not be independently re-confirmed on the published podcast page, so treat it as lower-confidence before repeating it in the room. 2

1. S1
   linkedin.com ↗

   LinkedIn profile, full review 2026-07-01: headline "CIO, Head of Global Wealth, Investment Banking, & Capital Markets Technology at Scotiabank"; Toronto; dated work history (Scotiabank from Nov 2023; Fiera Capital EVP Global CTO & COO Jun 2018-Nov 2023; COZM Founder & CEO Jul 2017-Dec 2019; Manulife 2010-2016; State Street 1998-2010); no education entries listed · accessed 2026-07-01
2. S2
   scotiabank.com ↗

   Scotiabank Perspectives podcast + full transcript; confirms title "SVP & CIO for Data & Global Wealth Technology" and all direct quotes · Oct 8, 2025
3. S3
   theorg.com ↗

   Role summary (Scotiabank CIO/Head of Data & Global Wealth Tech), career (Fiera EVP Global CTO & COO, COZM founder, Manulife), Toronto, and org chart of reports · accessed 2026-07-01
4. S4
   flashintel.ai ↗

   Fiera Capital tenure/dates (EVP Global CTO & COO from 2018-06; Global CTO & Operations Officer from 2019-04); 25.8 years experience · accessed 2026-07-01
5. S5
   investopseu.wbresearch.com ↗

   InvestOps Europe speaker listing: "Global Chief Technology & Operations Officer, Fiera Capital" · accessed 2026-07-01
6. S6
   youtube.com ↗

   "Microsoft and Manulife, Fireside Chat," SpringOne Platform 2016; "Sebastian Blandizzi SVP & CIO of Manulife" · uploaded 2016-08-11
7. S7
   linkedin.com ↗

   Self-authored article "Who am I?"; "Global Technology, Operations and Innovation executive with more than 20 years of experience in the Financial Services industry" · Sep 14, 2017
8. S8
   neuron.com ↗

   Profile: "CIO - Head of Global Wealth, Banking & Markets Technology at Scotiabank," Toronto, Ontario · accessed 2026-07-01
9. S9
   linkedin.com ↗

   Authored LinkedIn post recapping his Bloomberg Insights & Innovation Summit fireside chat with Wayne Barlow; "trust, data quality, and strong governance... are the core foundation that enables organizations to scale AI responsibly"; full text verified via LinkedIn pull, 246 reactions · Jun 6, 2026
10. S10
    linkedin.com ↗

    Authored LinkedIn post "Have we misunderstood AI?"; automate the present vs orchestrate the future, AI as partner not tool; full text verified via LinkedIn pull, 233 reactions / 19 comments · Sep 25, 2025
11. S14
    linkedin.com ↗

    Authored LinkedIn post endorsing Gautham Pallapa's book "Invaluable"; "AI industrializes fragmentation: one problem, three teams, three platforms, three control models"; "AI is not your strategy, it's an amplifier"; full text verified via LinkedIn pull, 185 reactions · Jun 2, 2026
12. S11
    instagram.com ↗

    (and https://www.linkedin.com/posts/case-hacks_casehacks-lazaridis-wilfridlaurier-activity-7460370968419430401-jjnt) · [case]HACKS 2026 fireside chat, "Sebastian Blandizzi, CIO at Scotiabank" · accessed 2026-07-01
13. S12
    Search-surfaced LinkedIn snippet · Manulife role: "SVP, Global Chief Information Officer for global divisions of Manulife Asset Management, General Account Investments, and Group Functions" · accessed 2026-07-01
14. S13
    linkedin.com ↗

    Scotiabank post: "Sebastian Blandizzi SVP & CIO of Data & Global Wealth Engineering" · Oct 2025

• Global engineering leader: SVP and Global Head of Commercial Banking, Core Banking and Payments Engineering at Scotiabank. 1
• Owns the hard modernization: runs the tech teams replacing legacy mainframe core banking and modernizing payments and cards across Scotiabank's global footprint. 14
• 20-year Scotiabank insider: joined 2007, climbed through Wealth, Canadian Banking, then Global Payments and Transaction Banking. 13
• Culture and agile believer: publicly champions agile ways of working and has run culture-change work with an outside firm. 68

• Mandate: lead a global technology team delivering across Scotiabank's commercial banking, core banking and payments platforms. 1
• Scope: Commercial Banking, Core Banking and Payments Engineering, spanning Canada, the US and Scotiabank's international (Latin America) markets. 110
• Priorities now: globalizing and expanding Cash Management, modernizing payments and credit cards, and migrating customers off legacy mainframe cores. 245
• Recent proof points: completed migration of accounts off a 30-year-old mainframe core (Aug 2025) and stood up a new core banking solution for US Cash Management in under a year. 45
• Team style: frames the goal as "Engineer for simplicity"; leans on outcome-oriented teams, transparency and agile methods. 46
• Reports to: not public.

• Scotiabank, SVP, Core Banking and Payments Engineering (Nov 2022 to present, Toronto). Current engineering mandate across commercial, core and payments. 3
• Scotiabank, SVP, Global Head of Engineering, Commercial Banking and Payments (May 2021 to Jan 2023). Step up to global engineering head. 38
• Scotiabank, VP, Global Payments and Global Cash Management Technology (Jul 2020 to May 2021). Ran payments and cash-management tech. 3
• Scotiabank, VP, Global Payments (Mar 2018 to Jul 2020). The 2018 step into the global payments mandate. 3
• Scotiabank, VP, GTB / Payment Technology (2016 to 2021). Accountable for modernization of payment technology. 3
• Scotiabank, Head of IT, Global Wealth Management Systems (2013 to 2015). 3
• Dundee Wealth, Head of Information Technology (2011 to 2013). Only role outside Scotiabank in the recent history; Dundee was tied to Scotiabank's wealth business. 3
• Scotiabank, VP, Wealth Management Systems (2008 to 2011). Earliest listed role; official bio dates his Scotiabank start to 2007. 13
• Pivot to note: career arc runs Wealth to Canadian Banking to Global Payments to enterprise Core Banking, so he has carried modernization across several very different platforms. 1

• Western University, 1983 to 1987. Degree and field not listed on his LinkedIn profile. 2

• LinkedIn class: occasional poster with real reach (verified by direct post pull). He is not a daily creator, but he is active and each post carries: original modernization and culture posts drawing 250 to 850 reactions, plus authored long-form articles. Treat him as someone who posts deliberately when there is a milestone worth marking, and who is read widely inside and beyond Scotiabank when he does. 4141617
• Podcast, "Breaking Down Silos: Agile Innovations in Banking" (Agile by Design, Whiplash Agile, Episode 7, May 10, 2024, ~25 min). He discusses scaling his role over 6 to 7 years, breaking down silos inside the bank, and integrating customer feedback; described as one of Agile by Design's first clients. Appearance and episode confirmed; full transcript not retrieved. 89
• Panel, Payments Canada (YouTube, published Nov 10, 2021): appeared on the panel "Digital transformation: scaling innovative solutions with the customer at the forefront." On the panel he framed legacy as a challenge Scotiabank grappled with in Canada, and described migrating customers to modern payment standards as far harder once you go international, and a source of real worry. Paraphrase, not verbatim: his speaking slot is confirmed but the video transcript could not be independently reviewed. 10
• Same panel, on real-time payments: he noted that every country is at a different stage in its real-time journey, that there is a lot to learn operationally from other markets especially on fraud and AML, and that Canada has made large infrastructure and orchestration investments toward 24x7 readiness. Same caveat: paraphrased from the video, not independently verified verbatim. 10
• Article, "Shifting a Culture" (LinkedIn, Sep 15, 2025): "simply publishing new values or asking people to change their behavior isn't enough to shift culture. Culture is shaped by systems and constraints." Names funding cycles, individualized incentives, aggressive targets and legacy technology as the real limits on behavior. 6
• IBM case study (Scotiabank / IBM Financial Transaction Manager): documents the payments-modernization architecture his organization drove; he is not directly quoted in the public write-up. 12

Ground-truth check (posts pulled directly via LinkedIn, Jul 1, 2026): he is an occasional but high-engagement poster, not silent. Roughly one original post every one to two months during active stretches (a real Oct 2025 to Mar 2026 gap), and every post lands hard: 250 to 850 reactions. He also writes original long-form LinkedIn articles, so this is real authored output, not just resharing. Themes cluster tightly on modernization milestones, team recognition, culture/agile, and payments. His five most recent posts:

• Apr 17, 2026 post (316 reactions, 16 comments): "eventful week" coaching teams, "a bit of modernization, a bit of innovation," promoting the launch of Scotia Intelligence; closed the week with a 60km ride for mental and physical health. #ScotiaTech #ScotiaIntelligence 14
• Apr 17, 2026 repost (28 reactions): reshared VP Suman Sahota's post on an upcoming "Summit" payments panel, adding "Looking forward to hearing the insights from this fantastic panel." The panel framing: balancing the speed of payments innovation with resilience. 15
• Sep 15, 2025 post + article (247 reactions): "Struggling to implement a cultural shift? Here is how we went about it," linking his original "Shifting a Culture" write-up on the ScotiaBond values workshop. 17
• Aug 28, 2025 post (306 reactions): "August has been a wonderful month" congratulating the team that implemented a new core banking solution for US Cash Management "in less than a year. A Herculean effort by the team." 16
• Aug 22, 2025 post (850 reactions, 69 comments): "Quite a week of modernization. The team successfully completed the migration of accounts off a 30 year old mainframe core banking application. Incredibly proud of this team!" 4
• Comments: most of his LinkedIn commenting is short congratulations to team members on promotions and milestones, not thought-leadership debate. 2

• Cycling for charity: rides long distances (60km rides; a past 200km Heart & Stroke "Ride for Heart" fundraiser with a $10,000 goal), and ties it publicly to mental and physical health. 7
• Selective but high-signal online presence: ~1,900 followers and ~1,800 connections, not tagged as a LinkedIn creator or influencer, and not a high-frequency poster. But he is genuinely active: he posts roughly monthly to bi-monthly, authors original long-form articles, and his posts consistently draw hundreds of reactions (up to 850 on the mainframe-migration post). Occasional, not silent, and well read when he does post. 2414

1. S1
   gtb.scotiabank.com ↗

   Confirms current title (SVP & Global Head, Commercial Banking, Core Banking & Payments Engineering), mandate, and Scotiabank start in 2007 · accessed 2026-07-01
2. S2
   linkedin.com ↗

   LinkedIn profile (via LinkedIn): headline "SVP, Global Transaction Banking Technology," Greater Toronto Area, Banking, education, follower/connection counts, comment style · accessed 2026-07-01
3. S3
   LinkedIn full work history (LinkedIn profile for greg-lahn-0b916319) · role titles and dates from 2008 to present · accessed 2026-07-01
4. S4
   linkedin.com ↗

   30-year mainframe core migration post · Aug 22, 2025
5. S5
   LinkedIn post by Greg Lahn (Aug 28, 2025) · new US Cash Management core banking solution delivered in under a year · via LinkedIn posts, accessed 2026-07-01
6. S6
   linkedin.com ↗

   article "Shifting a Culture" on the ScotiaBond values workshop · Sep 15, 2025
7. S7
   LinkedIn post by Greg Lahn (Apr 17, 2026) · "eventful week," Scotia Intelligence launch, 60km ride; plus Apr 2026 Summit-panel post and 2021 Ride for Heart post · via LinkedIn posts, accessed 2026-07-01
8. S8
   agilebydesign.com ↗

   Whiplash Agile Episode 7, "Breaking Down Silos: Agile Innovations in Banking with Greg Lahn," May 10, 2024, ~25 min (also on Spotify/Amazon) · accessed 2026-07-01
9. S9
   linkedin.com ↗

   Agile by Design promo describing the silos-in-banking conversation with Greg · 2024
10. S10
    youtube.com ↗

    Payments Canada panel "Digital transformation: scaling innovative solutions with the customer at the forefront," Greg Lahn on legacy migration and real-time payments; speaking slot confirmed but YouTube blocked transcript retrieval, so the panel remarks are paraphrase, not verified verbatim · published Nov 10, 2021
11. S11
    linkedin.com ↗

    third-party post noting Greg Lahn asked Agile by Design to facilitate a culture session with Scotiabank's Payments and Core Banking Technology leadership · 2025
12. S12
    ibm.com ↗

    Scotiabank / IBM Financial Transaction Manager payments-modernization case study (context for his payments platform work) · accessed 2026-07-01
13. S13
    ivey.uwo.ca ↗

    Ivey Scotiabank Digital Banking Lab / Scotiabank Engineering Week panels (Scotiabank engineering community context) · accessed 2026-07-01
14. S14
    linkedin.com ↗

    "eventful week" post: coaching teams, modernization, Scotia Intelligence launch, 60km ride; 316 reactions, 16 comments (direct post pull via LinkedIn) · Apr 17, 2026
15. S15
    linkedin.com ↗

    repost of Suman Sahota's "Summit" payments-panel post with his own comment on balancing payments speed and resilience; 28 reactions (direct post pull via LinkedIn) · Apr 17, 2026
16. S16
    linkedin.com ↗

    "August has been a wonderful month" post: US Cash Management core banking solution delivered in under a year; 306 reactions (direct post pull via LinkedIn) · Aug 28, 2025
17. S17
    linkedin.com ↗

    "Struggling to implement a cultural shift?" post linking his original "Shifting a Culture" article; 247 reactions (direct post pull via LinkedIn) · Sep 15, 2025

• Bank tech executive: 20-year engineering-and-delivery leader, now VP running Client Management & Engagement Engineering at Scotiabank 12.
• TD-to-Scotia move: Spent roughly 14 years at TD rising to VP of Customer Engagement Platform Technology before joining Scotiabank in June 2025 2.
• Aiming at CIO: Her own LinkedIn headline positions her as "Executive Technology & Product Leader, IT Transformation, Chief Information Officer" 1.
• Visible on women-in-tech and Black-tech stages: Panelist at BFUTR 2025, Jarvis Women in Tech Leadership (Jan 2025), and PwC Canada Women in Cloud 478.

• Mandate: Leads "Client Management and Engagement Engineering" at Scotiabank, an engineering function tied to how the bank builds and runs client-facing and engagement technology 1.
• Scope: Title pairs "client management" with "engineering," so she owns technical delivery plus the relationship/service side, not pure infrastructure 1.
• Org placement: Part of Scotiabank's broader Global Technology group; appeared under the banner of CIOs Stella Yeung and Caren Morrison at BFUTR 2025 35.
• Priorities now: Digital transformation and "delivering complex technical solutions across large enterprises," per her own profile summary 1.
• Tenure signal: Under two years in, so likely still building her team and establishing delivery footprint at Scotiabank 12.

• Scotiabank, VP Client Management & Engagement Engineering, Jun 2025 to present. Current role; her first at Scotiabank after a long TD run 12.
• TD, VP Customer Engagement Platform Technology, May 2021 to Mar 2025. Peak TD role; owned customer engagement platform tech, the throughline to her current mandate 2.
• TD, AVP Commercial Banking Servicing, Jul 2018 to Apr 2021. Moved into commercial banking servicing delivery 2.
• TD, AVP OMNI Sales & Content Management, Nov 2015 to Jun 2018. Omnichannel sales and content platform ownership 2.
• TD, AVP Digital Canadian Banking & Shared Services, Jun 2014 to Oct 2015. Digital banking leadership 2.
• TD, Senior Manager Retail & Commercial Online Banking Application Owner, Jan 2013 to Jun 2014. Application owner for online banking 2.
• TD, Software Engineering Manager, Jan 2011 to Dec 2012. First TD leadership role, hands-on engineering management 2.
• IBM, Application Development Team Lead & Delivery Manager, Feb 2009 to Dec 2010. Delivery management at IBM 2.
• IBM, Application Developer & Test Analyst, Jan 2006 to Feb 2009. Started her career as a developer/test analyst 2.
• Pivot to note: Classic engineer-to-executive arc, IBM developer to bank VP, entirely inside Canadian financial services and enterprise IT 2.

• University of Waterloo, St. Jerome's University: Bachelor of Mathematics 2.
• University of Toronto, Rotman School of Management: Financial Acumen Certificate 2.
• Leaside High School (Toronto) 2.
• Language: Proficient in French 2.

• BFUTR 2025 panel, "Lifting as We Lead." Named as a panelist in a session framed around "trailblazing women leaders"; appearance confirmed via event promo, no transcript of her remarks found 4.
• BFUTR 2025, Team Scotia presence. Two Scotiabank CIOs (Stella Yeung, Caren Morrison) publicly listed her as a bank representative/speaker at the largest gathering of Black tech professionals; appearance confirmed, exact remarks not published 356.
• Jarvis Consulting Group, Women in Tech Leadership panel, January 2025. Announced as a featured speaker; described as bringing "14 years of leadership experience and a background in tech consulting" and expertise in strategy and transformation; appearance confirmed, no transcript 7.
• PwC Canada, Women in Cloud event (2023). Named among panelists alongside Nastaran Bisheban and Jennifer Johnson; appearance confirmed by two attendees, no transcript 89.
• No podcasts, published articles, or long-form authored pieces found under this identity as of this research 1.
• Low-volume LinkedIn poster, not a thought-leader voice: A full feed pull confirms she posts rarely and mostly reposts; she amplifies events and hiring calls rather than publishing original commentary 10.

• Confirmed via full feed pull (LinkedIn, Jul 2026): Her post history returns 12 items spanning 2017 to 2025, almost all reposts and recruiting shares, so cadence is occasional at best and she is currently dormant 10.
• Dormant since the Scotiabank move: Her most recent post is March 26, 2025, a repost thanking Amdocs for hosting an event where she shared her experiences; nothing public since she joined Scotiabank in June 2025 10.
• Jan 30, 2025 repost: Shared the Jarvis Women in Tech Leadership lineup, "honoured and excited to join these amazing women to share our experiences" 7.
• May 31, 2023 repost: Thanked PwC for the Women in Cloud invite, adding "we need to inspire more people, especially women to join all of us in this incredible career" 11.
• Mar 8, 2023 repost: International Women's Day note to "fellow women and mothers" and their allies 12.
• 2021 to 2022 pattern: Several TD recruiting shares for her Salesforce and customer-engagement teams; her few original posts are hiring calls, not commentary 13.
• LinkedIn activity class: OCCASIONAL_POSTER, currently dormant. Full feed pull, not a profile-only estimate, confirms low frequency, repost-heavy behavior, and no posts since March 2025 10.
• Profile positioning: Brands herself toward the CIO seat (IT transformation, financial and operational excellence) in her headline, but that ambition shows up in her bio, not in an active posting habit 1.

• Toronto roots: Attended Leaside High School in Toronto and stayed in the Greater Toronto Area professionally 2.
• Community/DEI lean: Repeatedly shows up in women-in-tech and Black-tech professional communities, suggesting genuine investment in those spaces 478.
• Nothing further that clears the relevance-and-privacy bar 1.

1. S1
   linkedin.com ↗

   Current title, headline, about summary, Scotiabank tenure (Jun 2025 to present), Greater Toronto Area location 2026-07-01 (accessed)
2. S2
   signalhire.com ↗

   Full 20-year work history (Scotiabank, TD, IBM), education (Waterloo BMath, Rotman certificate, Leaside HS), French proficiency, namesake list Last updated 2026-06-25
3. S3
   linkedin.com ↗

   Scotiabank CIO naming "Meredith Greenfield, VP, Client Management & Engagement" at BFUTR 2025 Nov 2025
4. S4
   linkedin.com ↗

   BFUTR 2025 "Lifting as We Lead" panel featuring Meredith Greenfield Oct 2025
5. S5
   linkedin.com ↗

   SVP & CIO Global Technology and Enterprise Platforms naming her and title at BFUTR 2025 Nov 2025
6. S6
   linkedin.com ↗

   Team Scotia / Black Tech recap tagging Meredith Greenfield Nov 2025
7. S7
   linkedin.com ↗

   Jarvis Women in Tech Leadership speaker announcement; "14 years of leadership experience and a background in tech consulting" (also Instagram https://www.instagram.com/p/DFc9MJkNmX_/) Jan 2025
8. S8
   linkedin.com ↗

   PwC Canada Women in Cloud panel listing Meredith Greenfield 2023
9. S9
   linkedin.com ↗

   Second attendee corroborating the PwC Canada Women in Cloud panel 2023
10. S10
    linkedin.com ↗

    LinkedIn full feed pull for meredith-greenfield 12 posts spanning 2017 to 2025, repost-heavy, most recent post 2025-03-26 (Amdocs event repost, confirms occasional-poster cadence and dormancy since 2026-07-01 (accessed)
11. S11
    linkedin.com ↗

    Her repost thanking PwC for the Women in Cloud invite May 2023
12. S12
    linkedin.com ↗

    Her International Women's Day 2023 repost Mar 2023
13. S13
    linkedin.com ↗

    Representative TD recruiting share from her feed May 2021

• Who he is: Brandon Anthony Taylor, VP of Technology Strategy and Business Operations inside Scotiabank's Technology group. 1
• What he owns: Technology strategy plus the business-operations side of the tech org (planning, operating rhythm, execution). 1
• Why he matters: A strategy-and-operations seat is a connective role across the CIO org; he touches how tech priorities get set and run. 1
• Freshly in seat: Only a few months into the role as of early 2026, so still shaping his mandate. 12

• Mandate: Owns "Technology Strategy and Business Operations" for Scotiabank Technology; self-described as "VP of Tech Strategy and Business Operations." 1
• Scope (inferred from title, not sourced detail): Strategy-and-operations roles typically cover tech planning, portfolio and operating cadence, and turning strategy into execution across the CIO org. Treat as context, not confirmed fact. 1
• Tenure: New to Scotia. About 4 months in as of January 2, 2026. 12
• Leadership style he states: "Leading is also knowing how to let go." His point in the video is that trusting the team is the key to growth. 2
• Reports to: Not public. 4
• Team: Not disclosed publicly. 4

• Scotiabank, VP Technology Strategy and Business Operations (approx. Sept 2025 to present): Confirmed via Scotiabank's ScotiaTech channel; he states 4 months tenure as of Jan 2, 2026. 12
• Earlier roles: Not found. His pre-Scotiabank history is not publicly indexed and could not be verified. Honest gap; do not fill from the many unrelated "Brandon Taylor" profiles online. 4

• Not found in public sources. 4

• No resolvable personal LinkedIn profile, so no post feed to pull. A direct post fetch (LinkedIn) was not run because no `linkedin.com/in/` profile resolves to this specific person; every "Brandon Taylor" that surfaces is a ruled-out namesake at another employer (TD Bank Canada Trust, Bank of America, Rivet Marketing, Flatirons, and others). This is a non-resolution, not an activity level. 4
• ScotiaTech "Inspiring Leadership" video (posted Jan 2, 2026): He opens, "Hello, Brandon Anthony Taylor here. I am the VP of Tech Strategy and Business Operations. How long I've been working for Scotia? 4 months." 1
• His leadership message in that video: The post frames it as "Liderar tambien es saber soltar" (leading is also knowing how to let go), with the takeaway that trusting your team is the key to growing. 2
• Reach of that clip: 42 likes, 0 comments on the ScotiaTech Instagram reel; also cross-posted to the ScotiaTech Facebook page and a Spanish-language ScotiaTech LinkedIn post. The LinkedIn and Facebook versions carry comments (the Instagram reel does not), and several read as farewell-toned, wishing him success going forward and noting he made a difference to many. That phrasing could hint at a role change or departure, so treat his current seat as needing live confirmation. 23
• Series context: He is one of several tech leaders ScotiaTech features in this "Inspiring Leadership" series (another entry features Coleen Ward, SVP Enterprise Delivery Office). 4
• Anything else: No podcasts, conference talks, panels, or published articles by this person were found. Appearance-only, and only this one clip. 4

• No personal LinkedIn feed is reachable for him. This is because no `linkedin.com/in/` profile could be confirmed as his, not because a profile was pulled and found quiet. A direct LinkedIn post pull cannot be run without a confirmed profile URL, and the only candidates are ruled-out namesakes at other companies. Do not read this as "inactive"; his own posting cadence is genuinely unknown. 4
• Most recent public signal: The Jan 2, 2026 ScotiaTech leadership video is the latest and only public item tied to him. 2

• Nothing clean and professionally relevant beyond the above. No verified personal signals to report. Honest-empty. 4

1. S1
   facebook.com ↗

   Official ScotiaTech (Scotiabank) video; confirms full name (Brandon Anthony Taylor), title (VP of Tech Strategy and Business Operations), employer (Scotia), and 4-month tenure via his own words. · posted ~Jan 2026, accessed Jul 2026
2. S2
   instagram.com ↗

   ScotiaTech Instagram reel; posting date (Jan 2, 2026), engagement (42 likes, 0 comments), and the "leading is also knowing how to let go / trust the team" leadership message. · Jan 2, 2026
3. S3
   linkedin.com ↗

   Same "Inspiring Leadership" post cross-posted on ScotiaTech's Spanish-language LinkedIn. · ~Jan 2026
4. S4
   instagram.com ↗

   ScotiaTech account; confirms the "Inspiring Leadership" series and other featured leaders (e.g. Coleen Ward, SVP Enterprise Delivery Office). Also stands as the basis for honest-empty notes: no personal LinkedIn, career history, education, or additional public voice for this person could be found. · accessed Jul 2026

• Owns bank-wide strategy. SVP, Enterprise Strategy at Scotiabank, responsible for strategy across the whole bank. 1
• Just arrived from TD. Spent years at TD in delivery, operations, M&A, enterprise strategy, and finance leadership before moving to Scotiabank in 2025. 15
• Ex-McKinsey, engineer by training. Former McKinsey consultant (her school alumni bio lists the rank as Associate Partner; her LinkedIn lists her final McKinsey title as Consultant), with engineering degrees from Michigan and a Wharton MBA. 15

• Mandate: Own enterprise strategy across Scotiabank, described as "responsible for strategy across the bank." 1
• Scope: Bank-wide corporate strategy, not a single line of business. Given her background, expect M&A, transformation, and business-management questions to sit near her. 1
• Newly in seat: Role is recent (2025), so she is likely still shaping priorities and forming her view of the franchise. 15
• Reports to: not public. 1
• Lens she brings: consulting-grade strategy rigor (McKinsey) plus deep operating experience running delivery and change at a peer bank (TD). 1

• Scotiabank / Bank of Nova Scotia · Senior Vice President, Enterprise Strategy, 2025 to present. Strategy across the entire bank. 13
• TD Bank · Senior Vice President, Delivery and Operations (Platforms and Technology). Led project governance and delivery across TD, plus strategy and business management for the Platforms and Technology business. 23
• TD Bank (earlier scope) · also led mergers and acquisitions, enterprise strategy, and enterprise change management, and held senior roles in finance. Signals a broad, multi-function TD tenure, not a single track. 12
• McKinsey & Company · management consulting before moving into banking. Rank uncertain: her school alumni bio lists Associate Partner, while her LinkedIn lists her final McKinsey title as Consultant. 15
• Pivot to note: engineer to strategy consultant to bank operator to bank strategy chief. She has sat on both the "run the bank" (delivery/ops) and "change the bank" (strategy/M&A) sides. 12

• University of Michigan · BSE, Industrial and Operations Engineering (1999) and MSE, Industrial and Operations Engineering (2000). 14
• Wharton School, University of Pennsylvania · MBA. 1

• Low-cadence, occasional poster. A direct pull of her LinkedIn (15-post request, 3 items returned) shows she posts rarely and reposts occasionally, roughly a handful of times a year. Not silent, but not a regular voice. Her latest activity IS Scotiabank-era, so her earlier profile is not the whole picture. 1156
• Scotiabank Enterprise Strategy hiring (repost, Feb 24 2026): Her most recent public activity is a repost of a Scotiabank Global Banking and Markets post hiring a "Director, Enterprise Strategy," describing the Enterprise Strategy team as "a high-performing group that supports our CEO, Group Heads, and business line executives." This is on her exact mandate and confirms she is building out that team. 11
• TD TechCon 2025 (Jan 2025): Posted about TechCon, "our 3rd annual conference dedicated to driving technical literacy and upskilling colleagues at the Bank." Also sat on the closing panel alongside Dan Bosman, Glenn Foster, and Meghan Faughnan. Her voice here: internal tech-literacy and upskilling. 58
• Women in Agile Toronto panel (June 2024): Executive panelist giving "valuable advice and interactive discussion on Agile Transformation and career." Appearance confirmed; the organizer summarized the theme, no full transcript. 7
• TD "Real Talk" DEI event: Named as a participant praised for "bringing your authentic selves"; a co-panelist's "salad bowl" (vs melting pot) framing was the memorable line. Appearance confirmed, her specific words not captured. 10
• BPTN partnership event (2022): Posted that she was "excited to attend the recent event where it was announced that TD has partnered with Black Professionals in Technology (BPTN)." Signals active interest in tech diversity. 6
• No podcasts or bylined publications found. Her public footprint is LinkedIn posts and internal-event panels, spanning tech, transformation, and diversity themes; the older authored posts are TD-era, but her most recent activity is a Scotiabank strategy repost. 5611

• Scotiabank strategy repost (Feb 24 2026): Her latest visible activity, and it is directly on-mandate: reposting Scotiabank's hire for a Director, Enterprise Strategy in Global Banking and Markets. Shows she is actively building her team. 11
• TechCon 2025 (Jan 2025): Celebrated the conference and the closing panel; tone is proud, people-and-culture oriented. 58
• Agile / career panel (June 2024): Advising women on Agile transformation and career growth. 7
• Cadence and theme: she posts occasionally, not steadily, and her authored content leans toward tech upskilling, transformation, and diversity rather than market or product commentary. Her Scotiabank-era voice IS now visible, but only as a single team-building repost so far. 1156

• Michigan loyalist: Active enough with the University of Michigan Alumni Club of Toronto to hold a member profile. 4

1. S1
   smls.on.ca ↗

   St. Mildred's-Lightbourn School alumni bio: confirms current role (SVP Enterprise Strategy, Bank of Nova Scotia), TD history, McKinsey, education, family · current
2. S2
   smls.on.ca ↗

   Earlier SMLS alumni bio: detail on her TD role (SVP Delivery and Operations, Platforms and Technology; M&A; enterprise change) · TD era
3. S3
   zoominfo.com ↗

   Confirms Scotiabank SVP Enterprise Strategy and prior TD "Senior VP, Delivery Operations, Platforms & Technology" · accessed 2026-07-01
4. S4
   umichtoronto.org ↗

   University of Michigan Alumni Club of Toronto profile: BSE IOE and MSE IOE, grad 1999/2000, resides Mississauga · accessed 2026-07-01
5. S5
   linkedin.com ↗

   Her TechCon 2025 post and LinkedIn handle · Jan 2025
6. S6
   linkedin.com ↗

   Her post on TD/BPTN partnership · 2022
7. S7
   linkedin.com ↗

   Women in Agile Toronto: her executive panel on Agile transformation and career · June 2024
8. S8
   linkedin.com ↗

   Names her on the TechCon 2025 closing panel with Bosman, Foster, Faughnan · Jan 2025
9. S10
   linkedin.com ↗

   TD "Real Talk" DEI event naming her as a participant · 2023
10. S11
    linkedin.com ↗

    Scotiabank GBM "Director, Enterprise Strategy" hiring post that she reposted; her most recent LinkedIn activity, confirms Scotiabank-era voice and team build-out · reposted by her Feb 24, 2026 (direct LinkedIn post pull, 2026-07-01)

• Career strategist: Ex-McKinsey associate principal now running strategy inside one of Canada's Big Five banks. 2
• Owns enterprise strategy: Current seat is VP, Enterprise Strategy at Scotiabank (since Nov 2023); previously ran technology and operations strategy and execution there. 1
• Transformation specialist: Whole career is change and business transformation, from McKinsey to Great-West Life to Scotiabank. 2
• Builds and leads teams: Actively recruiting managers and senior managers onto her Scotiabank strategy team. 4

• Mandate: VP, Enterprise Strategy at Scotiabank since Nov 2023; her prior seat was VP, Technology and Operations, Strategy and Execution (2021 to 2023). 1
• Scope: Enterprise-level corporate strategy now; her prior seat sat over technology and operations strategy and execution. 1
• Priorities now: Strategy development and execution, business transformation, and translating strategy into operating change. 1
• Team: Leads a Scotiabank strategy team she is growing; publicly recruited Manager and Senior Manager hires. 4
• Tenure: In the Enterprise Strategy role since Nov 2023; at VP-level strategy inside Scotiabank since 2021. 1
• Reports to: Not public.

• Scotiabank, VP, Enterprise Strategy, Nov 2023 to present Current corporate strategy seat. 1
• Scotiabank, VP, Technology and Operations, Strategy and Execution, 2021 to 2023 Prior Scotiabank seat over technology and operations strategy and execution. 1
• Great-West Life, VP, Transformational Change, 2016 to 2020 Ran large-scale change at a major Canadian insurer before moving to banking. 2
• McKinsey & Company, Associate Principal, 2010 to 2013 Senior consulting leadership; the peak of a long McKinsey run. 1
• Independent Consultant, 2015 Brief independent consulting period. 2
• McKinsey & Company, Chief of Staff, 2013 to 2014 Firm-side leadership role alongside client work. 2
• McKinsey & Company, Engagement Manager, 2008 to 2010 Led client engagement teams. 2
• McKinsey & Company, Associate, 2006 to 2008 Post-MBA return to the firm. 2
• Toronto Stock Exchange, Manager of Corporate Development, 2003 to 2004 Corporate development inside Canada's main exchange. 2
• McKinsey & Company, Business Analyst, 2000 to 2003 First stint at McKinsey out of undergrad. 2
• Notable pattern: Deep McKinsey pedigree, then in-house transformation leadership (insurance, then banking); nearly her entire career is strategy and change. 2

• The Wharton School, MBA, Strategic Management, 2004 to 2006. 1
• University of Toronto, BASc, Industrial Engineering / Management, 1995 to 2000. 2

• No public talks or publications found. No podcasts, conference sessions, or bylined articles surfaced under her name; the healthcare, Mute Swan, and Goodwill "Kelly Duffin" hits are different people. 8
• LinkedIn voice is recruiting, not thought leadership. Pulled her actual post history: across 2019 to 2025 nearly every original post from her is a hiring call for her Scotiabank strategy team, not commentary or opinion. Consistent voice sample: "Our team is growing! We are looking for Manager and Senior Manager candidates to join the Scotiabank Strategy team. This is a high impact role..." (March 18, 2025, 185 reactions). 49
• When she speaks in her own words, it is team and mandate framing. Earliest surfaced post, from her Great-West Life days: "An exciting day. One brand for three iconic Canadian companies!" on the Canada Life rebrand (April 3, 2019). 10

• Latest original post, March 18, 2025: Recruiting Manager and Senior Manager for the Scotiabank Strategy team, pointing to jobs.scotiabank.com; her best-performing post at 185 reactions and 19 reshares. 4
• Team hiring on her feed, Feb 19, 2026: A "We're hiring a Director, Enterprise Strategy, Global Banking & Markets" post from a teammate surfaced on her activity, describing the Enterprise Strategy group as one that "supports our CEO, Group Heads, and business line executives." Consistent with a team she is still scaling. 12
• Reshares Scotiabank corporate wins, Dec 10, 2024: Amplified CEO Scott Thomson's post on Scotiabank being named Bank of the Year in Canada by The Banker, which credited the bank's "new enterprise strategy," her domain. 11
• Peer endorsement, ~March 2025: A colleague publicly amplified her hiring post, calling Kelly and her team "some of the best in the business." 7
• Cadence read: She does post, but infrequently: a handful of times a year, almost entirely recruiting for her strategy team plus the occasional reshare of a corporate milestone. Real but low volume, and not a thought-leadership stream. Best reached through a warm or referral path rather than by engaging her posts. 4911

• Ontario Climbing Federation board: Elected a Director at the Nov 16, 2022 AGM (2-year term); LinkedIn lists her as Board Member from Oct 2022 to present. 156
• Sport climbing interest: Board service with the provincial climbing body indicates a personal connection to the sport; safe, professionally clean common ground. 5

1. S1
   linkedin.com ↗

   LinkedIn profile (reviewed July 2026): Scotiabank, Greater Toronto Area; current title VP, Enterprise Strategy (Nov 2023 to present); prior VP, Technology & Operations, Strategy and Execution (May 2021 to Nov 2023); full dated work history (Great-West Life, McKinsey roles incl. Associate Principal 2010 to 2013, TSX); education (Wharton MBA Strategic Management 2004 to 2006, U of Toronto BASc 1995 to 2000); Ontario Climbing Federation board (Oct 2022 to present); follower/connection counts · accessed July 2026
2. S2
   rocketreach.co ↗

   Full career history (Scotiabank VP 2021 to now, Great-West Life, McKinsey roles, TSX) and education (Wharton MBA, U of Toronto engineering) · accessed July 2026
3. S3
   zoominfo.com ↗

   Confirms "Strategy Vice President, Enterprise at Scotiabank" in Toronto · accessed July 2026
4. S4
   linkedin.com ↗

   Her post recruiting Manager/Senior Manager for the Scotiabank Strategy team (~March 2025) · accessed July 2026
5. S5
   climbontario.ca ↗

   Ontario Climbing Federation announcement that Kelly Duffin was elected a Director at the AGM · accessed July 2026
6. S6
   climbontario.squarespace.com ↗

   OCF AGM minutes: Kelly Duffin elected director for a 2-year term commencing Nov 16, 2022 · accessed July 2026
7. S7
   linkedin.com ↗

   Colleague amplifying her hiring post, "some of the best in the business" · accessed July 2026
8. S8
   goodwillonline.ca ↗

   Namesake ruled out: Kelly Duffin, retiring President/CEO of Goodwill Amity in Hamilton (different person) · accessed July 2026
9. S9
   linkedin.com ↗

   Her own #hiring post for a Director, Strategy on the Scotiabank Strategy team (Sept 11, 2021); part of a recurring hiring-post pattern confirmed via a July 2026 pull of her actual posts · accessed July 2026
10. S10
    linkedin.com ↗

    Her post on the Canada Life / Great-West Life "one brand for three iconic Canadian companies" rebrand (April 3, 2019) · accessed July 2026
11. S11
    linkedin.com ↗

    CEO Scott Thomson post on Scotiabank named Bank of the Year (The Banker), reshared/surfaced on Duffin's activity (Dec 10, 2024) · accessed July 2026
12. S12
    linkedin.com ↗

    "We're hiring a Director, Enterprise Strategy - Global Banking & Markets" post on Duffin's activity feed (Feb 19, 2026); describes the Enterprise Strategy team supporting the CEO and Group Heads · accessed July 2026

• Banking payments hand: self-describes as an "Experienced Technical Lead with a demonstrated history of working in the banking industry." 2
• Scotiabank, Toronto area: Solutions Architect at Scotiabank; based in Markham in the GTA. 127
• Listed as "Advisor": the title Cobalt was given; his LinkedIn headline and current title is "Solutions Architect at Scotiabank" (since March 2021). "Technical Lead" appears in his summary describing past High Value Payment work, not his current title. 7
• Low public footprint: roughly 382 LinkedIn connections and no public talks, posts, or press found. 27

• Mandate: Solutions Architect at Scotiabank since March 2021, in the payments domain; his summary describes him as an experienced Technical Lead in banking, skilled in IBM Financial Transaction Manager, IBM Integration Bus, and WebSphere Transformation Extender. 72
• Scope: payments architecture; has led 3-to-5-developer teams on the High Value Payment (HVP) wire room migration and FTM Payment Hub work. 7
• Priorities now: cannot be sourced cleanly; no posts, project descriptions, or current-team detail were accessible. 1
• Team: historically led small delivery teams of 3 to 5 developers; current team size not public. 7
• Reports to: not public. 1

• Scotiabank, Solutions Architect, March 2021 to present current role per LinkedIn. 7
• Scotiabank, Programmer Analyst Advisory, Oct 2013 to 2021 this record covers his Technical Lead/Architect work in High Value Payment (led a 5-developer international wire room migration), Payment Enhancement Lab (led a 4-developer team), and Legacy Migration Lab (led a 3-developer team on FTM Payment Hub migrations). 7
• Bank of Nova Scotia, Sr. Programmer Analyst, March 2011 to Oct 2013 online application development using JSF, Seam, web services, Spring. 7
• Rogers Communications, Sr. Support Analyst, Nov 2008 to March 2011 provisioning and monitoring systems for Rogers Home Phone. 7
• Kohler Co., System Analyst, 1999 to 2008. 7

• Seneca College Computer Engineering; degree and years not specified on the profile. 7

• Genuinely low profile: no podcasts, conference talks, panels, press quotes, or published articles for this Tony Lau surfaced in web search or the LinkedIn pull, and no publications, patents, or honors are listed. 27
• Not a LinkedIn poster: a direct posts fetch of his profile returned zero posts (ran twice, both empty), so this is a genuine absence of public output, not just an un-indexed one. He is a delivery architect, not a public spokesperson. 8

• No posting activity, verified by a direct fetch. A LinkedIn posts pull of his profile (LinkedIn actor, up to 15 posts) returned zero items on two separate runs, so he has no recent original posts, reshares, or articles to reference. This is a confirmed-quiet profile, consistent with his 382 connections and hands-on architect role, not a gap in our data. 8
• LinkedIn activity class: SILENT. Direct posts fetch returned empty; no posts in the visible window. Open with the meeting's substance, not a "saw your recent post" hook. 8

• None. No identity-verified, professionally relevant personal signals were found that clear the creepy-line filter. 2

1. S1
   linkedin.com ↗

   canonical LinkedIn profile; Experience lists Scotiabank accessed 2026-07-01
2. S2
   web search, query "Tony Lau Scotiabank Toronto" / "Technical Lead Seneca" surfaced the public LinkedIn snippet: "Experienced Technical Lead with a demonstrated history of working in the banking... Experience: Scotiabank; Education: Seneca College; Location: Markham; 382 connections" accessed 2026-07-01
3. S3
   mojeek.com ↗

   namesake ruled out: "Tony Lau Insurance Agencies," Marpole, Vancouver (a local insurance agent, not Scotiabank Toronto) accessed 2026-07-01
4. S4
   rocketreach.co ↗

   namesake ruled out: Tony Lau, Developer Relations at Conflux Network, Toronto (crypto, prior Alephium/CYM Advisory) accessed 2026-07-01
5. S5
   pinebridge.com ↗

   namesake ruled out: Tony Lau, SVP, Asia ex-Japan Equity, PineBridge Investments (joined 2021) accessed 2026-07-01
6. S6
   linkedin.com ↗

   namesake ruled out: Tony Lau, PFP, Financial Planner at Royal Mutual Funds / RBC (not Scotiabank) accessed 2026-07-01
7. S8
   linkedin.com ↗

   LinkedIn posts pull (LinkedIn LinkedIn, targetUrl maxPosts 15) returned zero posts on two separate runs, confirming no recent posting activity for this profile accessed 2026-07-01
8. S7
   LinkedIn full-profile pull (LinkedIn profile, username tony-lau-b28a23b) confirms current title "Solutions Architect at Scotiabank" since March 2021; dated career history (Programmer Analyst Advisory Oct 2013 to 2021 covering HVP / Payment Enhancement Lab / Legacy Migration Lab; Sr. Programmer Analyst Mar 2011 to Oct 2013; Rogers Communications Nov 2008 to Mar 2011; Kohler Co. 1999 to 2008); education Seneca College, Computer Engineering; 382 connections; Markham, Ontario; summary and IBM FTM / payments skill set accessed 2026-07-01

• Career digital-product leader. VP of Digital Product / Product Management at Scotiabank, running a broad consumer-facing digital portfolio. 1
• Owns self-service and common platforms. His own words: a portfolio spanning "Self-Service, Fraud & Disputes, Digital Assistance, Money Movement, Identity & Access." 1
• Identity and access is his signature lane. Publicly billed as Scotiabank's "Head of Identity & Access" on conference platforms. 45
• Long Scotiabank climb. Rose from Senior Manager (2018) to Director to Head of Product & Design to VP, all inside the bank. 2

• Mandate: Lead digital product for Scotiabank's customer-facing banking experiences, not a single feature but a cross-cutting platform portfolio. 1
• Scope (his words): "A diverse portfolio that spans Self-Service, Fraud & Disputes, Digital Assistance, Money Movement, Identity & Access." 1
• Priorities now: Digital identity and client verification, fraud reduction, and self-service that is inclusive and frictionless. 16
• Common-platforms angle: His remit maps to shared capabilities (identity, money movement, self-service) used across the bank's channels, which fits the given "Self-Service & Common Platforms" title. 1
• Title nuance: LinkedIn shows the broader "VP, Product Management / Digital Product"; "Self-Service & Common Platforms" is consistent with his stated portfolio, likely the internal org label. 1
• Reports to: Not public. 1

• Scotiabank - VP, Product Management (Digital Product): Sep 2025 to present. Elevated to VP over the digital self-service and common-platform portfolio. 12
• Scotiabank - Head of Product and Design: 2021 to 2025 (~4 yrs). His LinkedIn title for this period is Head of Product and Design; "Head of Identity & Access" is a separate conference-platform billing, not his formal title for these years. 24
• Scotiabank - Director of Product Management: 2018 to 2021 (~3 yrs). 2
• Scotiabank - Senior Manager, Digital Payments: 2018. Entry point into the bank. 2
• CIBC - Senior Manager, Mobile Payments Innovation: 2016 to 2018. Payments-innovation pivot. 2
• CIBC - Senior Manager, LOB Strategy: 2014 to 2016. 2
• Cycom Consultancy Services - startup: 2012 to 2014. Post-MBA venture. 2
• Infosys Technologies (Singapore), Team Lead - client UBS AG: 2009 to 2011. 2
• Infosys Technologies (London, UK), Analyst - client UBS AG: 2005 to 2009. Banking-tech delivery. 2
• Bharti Airtel (India), Graduate Engineer Trainee: 2004 to 2005. First role. 2
• Notable pivot: Engineering/IT services (Infosys) into banking strategy and payments (CIBC) into digital product leadership (Scotiabank). 2

• MBA: Richard Ivey School of Business, University of Western Ontario, 2011-2012. 12
• B.Tech, Electronics & Communication: 2000-2004. 2

• AML & Financial Crime conference panel (Toronto, Jun 10-11, 2026, now completed). Was a panelist on "Privacy Enhancing Tech and Digital Identity: Modernizing Client Verification to Meet FINTRAC Expectations to Reduce Fraud." Panel topics: auditable digital ID workflows that hold up in an AML exam, issuing digital credentials at scale, and applying DIACC trust standards for interoperable, privacy-forward identity. Appearance and topic confirmed; no transcript or verbatim quote available. 67
• MoneyLIVE "Digital-first banking" webinar (2025, on-demand, with FIS). Listed as speaker under the title "Head of Identity & Access, Scotiabank"; theme was open banking, opti-channel strategy, and AI for digital-first customer experience. Appearance confirmed; no transcript pulled. 45
• Ivey / Lawrence National Centre student session (Scotiabank host). Named in a post on Ivey students exploring financial-product development at Scotiabank, CIBC, and Uber; he appears as a Scotiabank product host/mentor. Appearance confirmed, no quote. 9
• Active on LinkedIn as an amplifier, not a long-form author. A direct pull of his LinkedIn activity feed (15 items, Nov 2025 to Jun 2026) shows he posts and reshares roughly 2 to 4 times a month, almost all of it amplifying his team's and adjacent Scotia Digital teams' hiring and product content. No published articles, bylines, or solo podcast episodes surfaced, but he is not quiet online. 12

• LinkedIn cadence: active amplifier, ~2 to 4 posts/month. Ground-truth feed pull (Nov 2025 to Jun 2026) shows steady resharing and amplification, concentrated on Scotia Digital talent and product themes that map to his own portfolio (identity and access, digital assistance/AI, money movement, fraud). 12
• Reshared Chris Bell's authentication PM hire with his own note (May 24, 2026): added "Exciting role. Great team. Wonderful leader." on a post for a Senior Product Manager, Authentication on Scotiabank's digital identity and verification team. His only recent post carrying original words, and it sits squarely in his Identity & Access lane. 13
• Amplified the Digital Assistance AI-first hiring push (Jun 17, 2026): boosted Sabih Ahmed's post framing the team as "not just building features" but "redefining the future of banking experiences at scale" in an AI-first world. 14
• Amplified a Money Movement product hire (May 14, 2026): boosted Rohit Sharma's post for a Manager, Money Movement at Scotia Digital, "customer journeys and payment rails to make money movement seamless." 15
• Amplified a fraud-awareness message (Mar 6, 2026): boosted Tammy McKinnon's "family code word" post on staying a step ahead of fraudsters, consistent with his fraud-and-disputes remit. 16
• AML panel (Jun 10-11, 2026, now completed): Appeared on a FINTRAC-aligned digital identity and fraud-reduction panel, his most recent public speaking slot. 6
• Mentoring next-gen product talent: Engaged with Ivey students on real product-development work. 9

• Ivey alumnus, actively connected: Maintains an active tie to Western/Ivey, hosting current students; useful, low-risk common ground. 91
• Nothing further clean and professionally relevant surfaced. Honest-empty beyond the above.

1. S1
   linkedin.com ↗

   LinkedIn profile: current title (VP Digital Product / Product Management), verbatim portfolio ("Self-Service, Fraud & Disputes, Digital Assistance, Money Movement, Identity & Access"), Scotiabank employer, Ivey education - accessed 2026-07-01
2. S2
   linkedin.com ↗

   LinkedIn profile experience/education (structured extraction of - full role history Scotiabank/CIBC/Cycom/Infosys(UBS)/Bharti Airtel and degrees - accessed 2026-07-01
3. S3
   rocketreach.co ↗

   corroborates Toronto location, VP of Product Management at Scotiabank, prior CIBC, MBA 2011-2012 - accessed 2026-07-01
4. S4
   moneylive-insights.com ↗

   speaker profile billing him "Head of Identity & Access, Scotiabank" - accessed 2026-07-01
5. S5
   moneylive-insights.com ↗

   "Digital-first banking" webinar (with FIS), listed as speaker; digital-first/open-banking/AI theme - accessed 2026-07-01
6. S6
   canadianinstitute.com ↗

   agenda listing him as VP Product Management, Scotiabank on the digital-identity/FINTRAC verification panel with topic detail - accessed 2026-07-01
7. S7
   canadianinstitute.com ↗

   event date/venue: June 10-11, 2026, One King West Hotel, Toronto, ON - accessed 2026-07-01
8. S8
   linkedin.com ↗

   directory entry confirming Greater Toronto Area, Scotiabank, University of Western Ontario; helps disambiguate namesakes - accessed 2026-07-01
9. S9
   linkedin.com ↗

   Ivey Lawrence National Centre post naming him in a Scotiabank/CIBC/Uber product-development student session - accessed 2026-07-01
10. S10
    linkedin.com ↗

    his post hiring a Senior Digital Product Manager, "seamless and inclusive" onboarding - accessed 2026-07-01
11. S11
    linkedin.com ↗

    his post tied to the Head of Product & Design role - accessed 2026-07-01
12. S12
    linkedin.com ↗

    LinkedIn LinkedIn pull of 15 items spanning Nov 2025 to Jun 2026 - ground truth for his posting cadence (~2 to 4 items/month), predominantly reshares/amplification of Scotia Digital hiring and product content - accessed 2026-07-01
13. S13
    linkedin.com ↗

    his reshare (May 24, 2026) with the note "Exciting role. Great team. Wonderful leader." on a Senior Product Manager, Authentication role - accessed 2026-07-01
14. S14
    linkedin.com ↗

    Digital Assistance AI-first hiring post amplified on his feed (Jun 17, 2026) - accessed 2026-07-01
15. S15
    linkedin.com ↗

    Manager, Money Movement hiring post amplified on his feed (May 14, 2026) - accessed 2026-07-01
16. S16
    linkedin.com ↗

    fraud-awareness "family code word" post amplified on his feed (Mar 6, 2026) - accessed 2026-07-01