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2024 TransUnion Canada Summit

Charting The Future: Strategies For Adapting to a Shifting Market

June 20, Toronto – Globe and Mail Centre

ABOUT THE SUMMIT

TransUnion is excited to bring you our Annual Financial Services Summit on Thursday, June 20. This year’s highly anticipated invitation only event will share data-driven insights and best practices in Canada’s consumer lending industry, offering guests an opportunity to connect and engage in strategic conversations with their peers.

Through our theme — Charting the Future: Strategies for Adapting to a Shifting Market — we’ll examine the ever-evolving dynamics of consumer behaviour and how financial services in Canada has been impacted.

As Canada's credit market undergoes significant shifts — from macroeconomic shocks to new technologies heavily disrupting traditional lending to the evolution of consumer-driven finance — it is imperative that lenders understand current market trends and forces  to translate these challenges into growth opportunities.

Join us as our speakers address crucial questions, such as:

  • How has ongoing financial and credit education driven motivations of various borrowers in Canada?
  • Which risk strategies can lenders employ to help navigate volatile economic cycles?
  • How will transformation trends like open finance and artificial intelligence (AI) reshape the landscape of lending, and how can lenders better understand and capitalize on this revolution?

At TransUnion, we strive to identify progressive ways to drive growth and profitability in the lending ecosystem. The 2024 TransUnion Canada Summit will inspire productive conversations and provide you with innovative ideas for managing your business. We can't wait to collaborate to fortify your vision, inform your strategies and help you achieve your goals. 

HEAR FROM A STIMULATING MIX OF SPEAKERS

Juan Sebastian D'Achiardi
President
TransUnion Canada
Juan Sebastian D'Achiardi President TransUnion Canada

As Regional President for Canada, Trinidad & Tobago, Juan Sebastian D’Achiardi is responsible for leading TransUnion’s business development, growth and strategic market expansion in the Canadian marketplace, and defining strategy and execution of organizational plans. Previously, he was General Manager and Head of TransUnion LATAM Countries (excluding Colombia) where he oversaw general management and business expansion spanning nine geographies. And prior to that, he was Strategy and Planning Sr. Director for TransUnion LATAM, successfully leading regional strategic planning processes, three-year plans development and adjacent growth initiatives.

Before joining TransUnion in 2017, D’Achiardi was Senior Investment Banking Director at the largest Investment Bank boutique in Colombia, playing a critical role in TransUnion’s acquisition of CIFIN-Colombia operations in 2016. He held a number of senior roles executing and evaluating cross-border, sell-side and buy-side M&A projects across several industries for over US$2.2B. D’Achiardi holds an MBA from IE Business School (Madrid, Spain), a master’s degree in management with emphasis on financial markets from Rouen Business School (Rouen, France) and a bachelor’s degree in business administration from CESA (Bogota, Colombia).

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Benjamin Tal
Deputy Chief Economist of CIBC World Markets
Guest Speaker
Benjamin Tal Deputy Chief Economist of CIBC World Markets Guest Speaker

Benjamin Tal is a member of the CIBC economic team responsible for analyzing macroeconomic developments and their implications for fixed income, equity, foreign exchange and commodities markets. He also acts in an advisory capacity to bank officers on issues related to wealth management, household credit and risk, and corporate credit and risk. Well known for his ground-breaking published research on topics, such as labour market dynamics, real estate, credit markets, international trade and business economic conditions, he not only contributes to the conversation but also frequently sets the agenda.

With close to 20 years of experience in the private sector advising clients, industry leaders, corporate boards, trade associations and governments on economic and financial issues, Tal is also a regular commentator in the media. He’s a member of the Economic Committee of The Canadian Chamber of Commerce and Economic Development Committee of the Toronto Board of Trade, as well as board member of the Governors of Junior Achievement of Central Ontario, and Toronto Financial International.

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Matt Fabian
Director, Research and Consulting
TransUnion Canada
Matt Fabian
Matt Fabian Director, Research and Consulting TransUnion Canada

Matt Fabian’s expertise lies in customer insights and analytics, acquisition and portfolio management strategy, credit risk, profitability, and growth dynamics, as well as business transformation. He’s a recognized speaker and has been published in journals and key industry publications. His commentary is regularly featured in national newspapers and radio and television programs. Prior to TransUnion, Fabian held senior roles in strategy and advanced analytics at BMO Financial Group, in addition to strategic consulting roles at The Polk Company.    He holds a bachelor’s degree (Hons) in economics, an MBA from the University of Illinois, a CPA designation and is a CFA charter holder.

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Pam Dodaro
Head, Consumer and Commercial Credit Solutions
TransUnion Canada
Pam Dodaro
Pam Dodaro Head, Consumer and Commercial Credit Solutions TransUnion Canada

Pamela joined TransUnion Canada in 2016 bringing 25 years of financial services product management, marketing and strategy from organizations including TD Canada Trust, Canadian Tire Bank, Genworth Financial and Paradigm, spanning mature businesses, turnaround and start up.  At TransUnion, Pamela leads new product innovation for consumer and commercial credit solutions including our market leading CreditVision and CreditView suite.

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Lauren Chittenden
Manager, International Research and Consulting
TransUnion
Lauren Chittenden Manager, International Research and Consulting TransUnion

Lauren Chittenden is responsible for financial services research and consulting for our international markets, exploring trends and insights in consumer credit. She works on research studies for the Financial Services Summits and Seminars, cultivating trends for advisory boards and customer meetings. Before joining TransUnion, she gained experience in financial strategies and loss forecasting.

Chittenden earned a bachelor’s degree in business administration and statistics with a concentration in finance, along with a master’s degree in statistics from Carnegie Mellon University.

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Dr. Cristián Bravo
Associate Professor and Canada Research Chair in Banking and Insurance Analytics
University of Western Ontario
Dr. Cristián Bravo Associate Professor and Canada Research Chair in Banking and Insurance Analytics University of Western Ontario

Dr. Cristián Bravo is Associate Professor and Canada Research Chair in Banking and Insurance Analytics at the University of Western Ontario, Canada, where he serves as Director of the Banking Analytics Lab. Previously, he served as Associate Professor of Business Analytics at the Department of Decision Analytics and Risk, University of Southampton, Research Fellow at KU Leuven, Belgium, and as Research Director at the Finance Centre, Universidad de Chile. His research lies at the intersection of data science, analytics, and credit risk, researching how techniques such as multimodal deep learning, causal inference, and social network analysis can be used to understand relations between consumers and financial institutions. He has over 75 academic works in high-impact journals and conferences in operational research, finance, and computer science. He serves as an editorial board member in Applied Soft Computing and the Journal of Business Analytics and is the co-author of the book “Profit Driven Business Analytics”, which has sold over 6,000 copies to date. Dr. Bravo has been quoted by The Wall Street Journal, WIRED, CTV, The Toronto Star, The Globe and Mail, and Global News. He is also a regular panelist at CBC News’ Weekend Business Panel and guest in national shows where he discusses the latest news in Banking, Finance and Artificial Intelligence.

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Nidhi Verma
Vice President, International Research and Consulting,
TransUnion
Nidhi Verma Vice President, International Research and Consulting, TransUnion

Nidhi Verma currently leads International Financial Services Research and Consulting — supporting thought leadership efforts globally. Previously at TransUnion, she led the customer consulting team within the Innovative Solutions Group, responsible for diagnosing underlying business issues and imparting strategic insights from credit and alternative data assets. Verma also led the U.S. Financial Services Research and Consulting Group, delivering insights relevant to the consumer credit marketplace, and conducting research studies to address critical themes informing business strategies.

Prior to TransUnion, Verma held prominent positions at Discover Financial Services, Citigroup, Citi EMEA, and Fifth Third Bank where she served as CFO of the bank card business. She received her bachelor's and master's degrees in commerce from the University of Delhi and an MBA in finance from the Loyola University of Chicago.

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Yassir Jiwan
Director Financial Services & Insurance
Deloitte
Yassir Jiwan Director Financial Services & Insurance Deloitte

Yassir is passionate about empowering consumers with financial products and services that enable them to realize their full economic potential. As part of Deloitte Monitor’s open banking practice, Yassir helps clients identify and activate insights from open banking data to deliver enhanced financial services to consumers. Prior to Deloitte, Yassir worked in 3 of Canada’s Big 5 banks across retail products and distribution, including 10 years leading Retail Deposit solutions and pricing in the Canadian and International markets. He then transitioned to a multinational credit bureau where he engaged with clients on solutioning for new products & processes to benefit underserved populations leveraging deposit transactional data and led open banking readiness initiatives in the industry.

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Krista Broughton
Director, Open Banking
Mastercard
Krista Broughton Director, Open Banking Mastercard

Krista brings over a decade of experience developing the emerging payment landscape, working closely with partners to bring new lines of business to market. Krista has driven growth within in issuing, acquiring, tech incubator, start up and mobility environments, working with organizations including Scotiabank, Moneris, ElementAI and Telus.

She brings a passion for data driven collaborations and a curiosity about innovation within connected finance. Krista holds an MBA from the Richard Ivey School of Business at the University of Western Ontario.

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Marvin Daley
Vice President, Diversified Markets & Partnerships
TransUnion Canada
Marvin Daley Vice President, Diversified Markets & Partnerships TransUnion Canada

Marvin Daley is responsible for the Diversified Markets segment business development team which includes industries such a Fintech, Automotive, Telco, Alternative Lending, Credit Unions, Tenant & Employment screening and Gaming.  Daley also oversees the Strategic Partnership mandate for TransUnion Canada.

Prior to joining TransUnion in 2019, Daley was with Laurentian Bank, and prior to that was Head of Canadian Sales (CRO) at First Canadian Title. He spent most of his Financial Services career at TD Bank, where he held various executive roles in both the U.S. and Canada.  Senior roles in retail banking and wealth management, including President of TD Wealth Management Services U.S (VP TDBFG) in Cherry Hill, New Jersey.  Daley holds an Honours Bachelor of Commerce (Finance) from the University of Windsor. 

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Tony Zhuang
Head, Data Strategy
TransUnion Canada
Tony Zhuang Head, Data Strategy TransUnion Canada

With credit risk and product experience from banks to fintech, Tony Zhuang's passion for data culminates in his role as the lead for TransUnion's data strategy, where he maximizes the value of existing and alternative data for product development while bolstering data quality and integrity.

Prior to TransUnion, Tony was the head of risk management at the fintech Snaplii, where he built the full lifecycle credit risk management strategy and launched Snaplii digital wallet’s virtual credit card. He also brings experience from PC Financial, Tangerine, and CIBC. Tony holds a Master of Finance from Rotman School of Management, University of Toronto, and a Bachelor of Mathematics from University of Waterloo.

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SESSIONS

8 a.m. – 9 a.m.

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BREAKFAST AND NETWORKING

9 a.m. – 9:15 a.m.

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WELCOME TO THE 2024 SUMMIT AND INTRO

 

Juan Sebastian D'Achiardi: President, TransUnion Canada

9:15 a.m. - 10 a.m.

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CANADA'S ECONOMY: KEY THEMES AND OUTLOOK

 

Benjamin Tal: Deputy Chief Economist of CIBC World Markets

10 a.m. - 10:45 a.m.

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INDUSTRY UPDATE, TRENDS AND INSIGHTS

 

Matt Fabian: Director, Research & Consulting, TransUnion Canada

This session will delve into the Canadian credit market, offering insights and expert commentary on the key trends and potential dynamics shaping market movements. We will explore the behaviour and performance of credit-active consumers in Canada, providing a thorough analysis of the significant product classes. Additionally, we will emphasize the implications lenders must consider as they navigate a period of recalibration for growth and portfolio management. 

10:45 a.m. - 11:15 a.m.

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NETWORKING BREAK

11:15 a.m. - 12:00 p.m.

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SMART GROWTH: ENHANCED RISK STRATEGIES TO BOLSTER SUSTAINABLE GROWTH 

 

Lauren Miller: Manager, International Research and Consulting, TransUnion

Canada’s credit sector is operating in highly uncertain times and an increasingly interconnected world where newer risks are emerging. In such a scenario, building further resilience would be the best insurance against shocks and uncertainties. Strong underwriting process-focused, regular monitoring of consumer behaviours and robust credit risk management practices are essential if these opportunities are to be nurtured for long-term, profitable growth.

In this session, we’ll explore the insights, tools and strategies needed to effectively navigate growth amid these uncertain times.

12:00 p.m. - 1:00 p.m.

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LUNCH AND NETWORKING

1:00 p.m. - 1:45 p.m.

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INNOVATION, DISRUPTION AND TRANSFORMATION: NAVIGATING OPEN FINANCE 

 

Moderator: Pam Dodaro; Vice President, Head of Solutions Canada

Panelists: Tony Zhuang; Head, Data Strategy, TransUnion Canada

Yassir Jiwan; Director Financial Services & Insurance, Deloitte

Krista Broughton; Director, Open Banking, Mastercard Canada  

In this session, industry experts come together to share their expertise and insights on the state of Open Banking in Canada. We’ll dive deeper into how lending landscapes have changed in regions where the Open Banking framework been developed, as well as regions like Canada where the journey is just beginning. We’ll look at the evolution of lending dynamics, providing forward-looking guidance on how to best extend the principles of Open Finance and concentrate efforts to ensure financial inclusion. Finally, we’ll unravel some of the complexities and opportunities Canadian lenders might face. 

1:45 p.m. - 2:30 p.m.

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EMPOWERING MINDS AND WALLETS: CONSUMER MOTIVATIONS AND BENEFITS OF CREDIT MONITORING 

 

Nidhi Verma: Vice President, International Research and Consulting, TransUnion

This session delves into the multifaceted reasons consumers monitor their credit. Understanding these motivations is critical to fostering financial education and broadening credit inclusion. This discussion will explore the dynamics of credit monitoring, focusing on how consumers use this tool to safeguard against identity theft and keep informed about their credit health. It will reveal the importance of credit monitoring for those considering major purchases or aiming to enhance their credit profiles.

2:30 p.m. - 3 p.m.

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NETWORKING BREAK

 

3:00 p.m. - 4:00 p.m.

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FIRESIDE CHAT: BEYOND THE HYPE - CAPTURING THE POTENTIAL OF AI IN BANKING

 

Matt Fabian; Director, Financial Services Research and Consulting, TransUnion Canada

Dr. Cristián Bravo; Associate Professor and Canada Research Chair in Banking and Insurance Analytics at the University of Western Ontario

This intriguing discussion will explore the transformative role of generative AI in shaping the future of banking. Delving into the applications of AI-driven technologies, we'll examine how generative AI is redefining customer experiences, risk management, and decision-making processes within the financial sector. We’ll share global insights on the challenges and opportunities presented by this technology, addressing ethical considerations, regulatory implications and the potential for fostering innovation. Join us for a robust contemplation of the evolving intersection between generative AI and financial services.

4:00 p.m. - 4:30 p.m.

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CLOSING REMARKS AND EVENT WRAP-UP

 

Marvin Daley: Vice President, Diversified Markets and Partnerships, TransUnion Canada

4:30 p.m. - 6:00 p.m.

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COCKTAIL RECEPTION AND NETWORKING

The Globe and Mail Centre
351 King Street East, Suite 1600
Toronto ON M5A 0N1
416-585-5172
globeandmailcentre.com

TransUnion is pleased to cover your meals throughout the event. Attendees are responsible for their travel to and from Toronto, but there is no cost to attend the Summit. 

On Thursday, June 20, we ask attendees arrive as early as 8 a.m. for breakfast and no later than 8:45 a.m. to be seated before the day kicks off at 9 a.m.

Attire for the Summit is business casual. Temperatures vary greatly in conference rooms, so please pack accordingly. A light jacket or sweater is recommended.

2024 TRANSUNION CANADA SUMMIT REGISTRATION

This event is by invitation-only and non-transferable.

Registration Closed

Please contact Ivana Kreckler at ivana.kreckler@transunion.com if you have any questions about registration.