Consumer Protection Advisory Committee: member biographies
Millie comes from a unique blend of industry and non-profit experience in providing financial access to low-income Canadians through 15 years of employment with a local credit union and in the current role as Manager of Asset Building Programs at SEED Winnipeg.
As part of the credit union system, Millie worked in various management roles for seven retail branches. She worked in process improvement and in community financial access programs, and supported the credit union through audit and risk procedures, a four-way credit union merge, and banking system conversion. Mille also established a student-run credit union for a Winnipeg inner-city high school.
At present, Millie coordinates the delivery of financial empowerment programs through over 100 community agencies by providing on-site services, service-provider training, and mentorship. Program interventions include financial literacy and access to banking.
Millie is passionate about serving unbanked/underbanked individuals, strengthening relationships within the community, and supporting financial empowerment for all to build a sustainable future.
Lise Estelle Brault
Lise Estelle Brault is Senior Director of Data, Fintech and Innovation at the Autorité des marchés financiers (AMF). She oversees the AMF’s fintech and innovation initiatives, aimed at developing internal expertise with respect to emerging technologies and business models in finance and making the AMF a key member of the local fintech ecosystem. At the national level, Ms. Brault chairs the Canadian Securities Administrators’ Regulatory Sandbox, a committee that works to support fintech businesses seeking to offer innovative products, services and applications in Canada. She is also responsible for developing and implementing data governance at the AMF.
Ms. Brault holds a master’s degree from the London School of Economics and Political Science, where she studied finance and economics. She also has a joint bachelor’s degree in mathematics and economics from the Université de Montréal. In 2017, she won the Rising Star award from the Association of Quebec Women in Finance.
Martin is the Director of the Fair by Design Campaign (UK) which campaigns to end the poverty premium. With a background in consumer advocacy, grant-making and regulation, he has held a range of positions, all with the common objective of placing low income and vulnerable people at the heart of policy-making.
Whilst at the Financial Conduct Authority he created its model for engaging with consumer and special interest groups as well as its consumer vulnerability and financial inclusion programs, leading to nationwide changes for consumers. At the Big Lottery Fund he led the creation of its £31.7 million financial capability and inclusion program.
Martin is a Commissioner for the Commission on Financial Inclusion, a Trustee of Young Scot and an Adviser to the Money and Mental Health Policy Institute. He has been a board member of the Association of Charitable Foundations, the Nationwide Foundation, the Institute of Consumer Affairs, as well as a Commissioner for Scope’s Commission on Extra Costs for Disabled People.
Christian Corbeil has been CEO of Option consommateurs for over three years. Prior to this, he served as Director of Operations, Services and Partnerships with the graduate association of the Université de Montréal (2016). Mr. Corbeil also has over five years’ (2010–2015) experience in supporting entrepreneurs on social economy projects and in developing cooperative businesses. He has also been a Director of the Centre for Sustainable Development since May 2019. Mr. Corbeil holds a master’s degree in political science from the Université de Montréal. While completing this degree, he studied in Mexico and in the United States. He is fluent in English, French and Spanish.
Robin Erica Ford
Robin has many years of experience of policy development and regulatory and public law, and of regulatory supervision and enforcement in the insurance and capital markets sectors and across the financial services spectrum.
Apart from a wide range of legal work for governments in British Columbia and Britain, she has served as head of the insurance legal department at the Financial Services Authority (as was) in the UK and as an executive commissioner with the BC Securities Commission.
She has also advised individual listed companies in Canada and the UK on more effective governance and compliance, and now works with overseas regulators to help to build capacity and to provide technical assistance. She is a member of the Advisory Group of the National Crowdfunding & Fintech Association of Canada and of IIROC’s Crypto-Asset Working Group.
At the heart of all her work is the desire to ensure that consumers are treated fairly in a competitive marketplace.
Dr. Gail Henderson is Associate Professor at Queen’s University Faculty of Law, where she teaches Contracts, Business Associations, Securities Regulation and Corporate Governance. She graduated as a gold medalist from Osgoode Hall Law School in 2005 and clerked for the Honourable Louise Charron of the Supreme Court of Canada. She completed her SJD (Doctor of Juridical Science) at the University of Toronto in 2014. Since a research trip to Dublin, Ireland in May 2014 to study the Irish government’s response to the 2008 banking crisis, her research has focused on the regulation of banks and financial services. More recently, as part of an interdisciplinary SSHRC-funded research project, she has turned her attention to the problems of financial consumer protection. She was the principal investigator on a SSHRC Insight Development Grant focused on financial literacy education at the elementary school level. She is a non-practicing member of the Law Society of Ontario.
George Iny is pleased to be returning to the FCAC's Consumer Advisory Commitee. George is the Executive Director of the Automobile Protection Association, and a co-author of the Lemon-Aid New and Used Car Guide (2019). He has undertaken more 40 field studies of automobile retailing for government and television. George has written and been interviewed extensively on the subjects of auto financing, leasing, sales practices, safety, warranties and other auto-related topics. He has appeared before committees of the Senate and House of Commons, and Quebec's Assemblée Nationale. On his watch, the APA has issued several alerts related to ballooning consumer car debt and the emergence of poorly understood refinancing of negative equity; the APA is currently supporting a class action requested over this issue.
Kelley Keehn is a personal finance educator, media personality, speaker and best-selling, award-winning author of 10 books. She’s on a mission to “Make Canadians Feel Good About Money”. She currently travels across the country speaking to some of Canada’s largest corporations. She has made thousands of radio and TV appearances around the globe, and is the finance educator for the Marilyn Denis Show. Kelley additionally serves on a number of government committees and non-profit boards. Her newest book is called Talk Money to Me, published by Simon and Schuster.
Marc Lacoursière has been a professor of economic law in the Faculty of Law at Université Laval since 2000. He was called to the Bar of Quebec in 1993. He is a founding member of the Centre d’études en droit économique (CÉDÉ) of the Faculty of Law at Université Laval. He obtained his Ph.D. in banking law at York University in Toronto in 2001. In 1998, he was awarded the Prix Minerve for his master’s thesis. Professor Lacoursière is involved in numerous grant-funded research projects on banks, consumer protection and new technologies. He is the co-author, with Professor Nicole L’Heureux, of the sixth edition of Droit de la consommation (Éditions Yvon Blais, 2011) and the fifth edition of Droit bancaire (Éditions Yvon Blais, 2017). Professor Lacoursière has been a member of Université Laval’s human research ethics committee since 2011.
Donald (Don) Mercer
Don Mercer cultivated a professional career focused on competition law development, administration and enforcement with the Competition Bureau of Canada. Subsequently he has pursued an active volunteer career in consumer protection, advocacy, research and representation. After leaving the Competition Bureau, Don joined the Volunteer Board of Directors of the Consumers Council of Canada (CCC) in 2007, serving as President and Chief Executive Officer from 2009-2012 and from 2016 to present.
Since joining the CCC, Don has actively represented consumers on its behalf in a number of Advisory Councils/Committees. Those relating to payments and financial issues directly and indirectly include: Stakeholder Advisory Council, Payments Canada (2014 to present); Financial Consumer Agency of Canada’s External Stakeholder Advisory Committee (2011-12) and Consumer Protection Advisory Committee (2018-2020); the Department of Finance Canada’s FinPay (2020-2022 per appointment); and the Treasury Board of Canada Secretariat’s External Advisory Committee on Regulatory Competitiveness (2020-2022 per Ministerial appointment).
Elizabeth Mulholland is the Chief Executive Officer of Prosper Canada, a national charity dedicated to expanding economic opportunity for Canadians living in poverty through program and policy innovation. Elizabeth joined Prosper Canada in 2011, after a 25-year policy career in the public, private and non-profit sectors, including a decade of independent policy consulting, five years as senior social policy advisor in the Office of the Prime Minister, and five years directing United Ways of Ontario’s government relations program. Elizabeth holds a Bachelor of Arts Degree in Geology and French from Wellesley College and successfully completed McGill University’s Graduate Summer Program in Epidemiology and Biostatistics.
Glen is the Executive Vice President, Policy and Chief Consumer Office for the newly created Financial Services Regulatory Authority of Ontario. He is responsible for working across core regulatory areas to develop rules regulating the following sectors: property and casualty insurance; life and health insurance (including auto insurance rates); credit unions and caisses populaires; mortgage brokers; health service providers (related to auto insurance); pension plans and financial advisors/planners. In addition to leading the strategic policy function, he also has responsibility for the Innovation and the Consumer Office roles within the organization.
Glen has over 20 years in the public sector, with extensive policy, program design, consumer protection expertise and experience, most recently as Assistant Deputy Minister of Consumer Protection Ontario in the Ministry of Government and Consumer Services.
Michelle Pommells has more than twenty years experience working in business development and marketing specializing in product and project management, program development, communications and strategic planning for not-for-profit and for-profit organizations.
Michelle was appointed CEO of Credit Counselling Canada in 2018. Past roles include President and CEO of Home Suite Hope Shared Living Corp., a Halton-based charitable organization working to eliminate poverty through affordable housing, skills development and financial literacy education, Vice President of Development for a family-focused national education charitable organization, and Vice President of Marketing for SMTC, a provider of end-to-end electronics manufacturing services.
Michael Thom, CFA is the Managing Director for CFA Societies Canada. He leads the strategic direction of CFA Societies Canada and advocates the highest standards of integrity and ethics for the ultimate benefit of Canadian investors, while building brand awareness of the CFA designation. Michael comes to CFA Societies Canada with over 12 years of experience in a variety of capital markets positions. His most recent role was as an executive at a Toronto-based hedge fund manager. Previously his career was focused in equity trading and portfolio management at firms in Toronto and Vancouver. Michael brings many years of volunteer leadership experience in advocacy to this role. He has served as a director of CFA Society Toronto’s board, has volunteered in multiple capacities for CFA Institute, and as a member and former chair of the Canadian Advocacy Council. Michael is a graduate of the University of British Columbia and is a CFA charterholder.
Benjamin Wolthers is a lawyer with the New Brunswick Financial and Consumer Services Commission in Fredericton, New Brunswick. Benjamin holds a degree in political science from Memorial University of Newfoundland and a Juris Doctor from the University of New Brunswick. Benjamin has experience working in private legal practice, as well as with the New Brunswick Government in the Department of Justice and Attorney General and Department of Finance and Treasury Board. In his current role, Benjamin regularly advises on legislative proposals impacting consumer protection, the financial services industry and his organization’s other regulatory activities. Benjamin is involved in his community, serving as President of the Fredericton Boys and Girls Club, Past-President of the Friends of the Fredericton Public Library and is also a member of the New Brunswick Public Libraries Foundation Board of Trustees.
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