As President and Chief Executive Officer, Mr. Ranson is responsible for setting the strategic direction and the operational performance of the Bank. He is accountable to the Bank’s Board of Directors for delivering appropriate economic returns and for creating an entity capable of sustainable value creation. In addition, Mr. Ranson is responsible and accountable for performance consistent with the interests of its clients, the general public, employees and its owners.

Mr. Ranson joined Canadian Home Income Plan (CHIP, the predecessor to HomEquity Bank) as Chief Financial Officer in 1997 and was appointed President in 1998 and CEO in 2001. He continued in his role through the public offering of Home Equity Income Trust in 2002, the conversion of the Trust to a corporation in June 2009, and the subsequent creation of HomEquity Bank in October 2009.

Mr. Ranson, a Chartered Accountant, graduated from the University of Toronto with a Bachelor of Commerce and he also holds a Masters, Business Administration from York University.

As EVP & CFO, Mr. Chandra is responsible for the Finance, Treasury and Credit functions supporting the growth and development of the Bank. He provides oversight and leadership for a team that manages all accounting, financial and regulatory reporting, budgeting and planning, internal and external audit, underwriting, capital management and funding requirements of the Bank, and is a member of the Executive Committee.

Mr. Chandra joined HomEquity Bank in 2016, and has previously served as CFO in the financial services industry for 10+ years.

Mr. Chandra has served as a Director on the Boards of The Scarborough Hospital and Oakville Hydro Corporation, where he was also the Chair of the Audit Committee.

Mr. Chandra, a Chartered Professional Accountant, graduated from an Indian Institute of Technology with a degree in Chemical Engineering, and holds an MBA from Queen’s University.

As Executive Vice President, Operations and Legal, Ms. Cuthbertson is responsible for all mortgage operations and information technology. In addition, as the Bank’s general counsel and corporate secretary she is responsible for legal affairs and the Bank’s overall corporate governance. Ms. Cuthbertson is a member of the Executive Committee.

Ms. Cuthbertson joined Canadian Home Income Plan (CHIP, the predecessor to HomEquity Bank) in 2002.
Ms. Cuthbertson graduated from Queen’s University with a Bachelor of Commerce and Bachelor of Law and she is also a member of the Ontario bar.

As Vice President, Chief Risk Officer and Chief Compliance Officer, Dr. Haddad is responsible for corporate-wide risk oversight and internal control policies and practices, and for ensuring compliance with all regulatory obligations and requirements. Dr. Haddad provides leadership and direction with regards to the Bank’s enterprise and business risk management and compliance strategies.

Dr. Haddad joined HomEquity Bank in 2012.

Dr. Haddad graduated from St-Joseph University with an MD degree.

As a Executive Vice President, Marketing & Sales Ms. Ziomecki is responsible for developing marketing and sales strategies to drive origination growth. She leads a large national sales team focused on growing the referral partner network. In her marketing capacity Ms. Ziomecki is responsible for Public Relations, brand and communications, call centre acquisition and product management. Ms. Ziomecki is a member of the Executive Committee.

Ms. Ziomecki joined HomEquity Bank in 2013.

Ms. Ziomecki serves as a Board Member for Canadian MedicAlert.

Ms. Ziomecki graduated from University of Toronto with a Bachelor of Arts and she also holds a Masters of Business Administration from Schulich School of Business.

Eric Bisaillon joined HomEquity Bank in 2007 and as Senior Vice-President of National Sales he is responsible for managing the entire B2B sales and sales support organization across the country.  This involves overseeing all referred channels of distribution through the direct reporting relationships of the Sales Leadership Team. A member of the Executive team, the role requires active participation at the senior management level, as well as working to define and achieve corporate objectives including growth and profit initiatives.

Before joining HomEquity Bank, Eric was Regional Manager of Eastern Canada for ING Bank Financial Advisors Services, working in partnership with financial advisors and their clients, where he lead and implemented the strategy for the bank’s entry in Quebec. He has also worked many years, in both Quebec and Europe, for various institutions in the financial services sector. He holds an MBA in International Finance from the School of Management at UQAM.

As Vice President, Finance, Mr. Cameron is responsible for financial reporting, cash management, and mortgage underwriting. He also has oversight of the deposit business.

Mr. Cameron joined Canadian Home Income Plan (CHIP, the predecessor to HomEquity Bank) in 2000 as Director of Finance and became Vice President, Finance in 2001.

Mr. Cameron, a Chartered Accountant, graduated from Ryerson Polytechnical Institute with a Bachelor of Business Management.

As Vice President and Treasurer, John Garofano is responsible for interest rate and liquidity risk management, coordination of bank financing activities, and oversight of banking and cash management, cash forecasting and short-term investing activities.

John joined HomEquity Bank in 2014.

He is a Chartered Accountant, holds an MBA from the Yale School of Management and has a Certified Treasury Professional designation.

As Vice President, Information Technology, Mr. Predko is responsible for all technology areas: strategic direction, technology selection, development, deployment and support.

Mr. Predko joined HomEquity Bank in 2013.

Mr. Predko graduated from the University of Waterloo with a Bachelor of Applied Science in Systems Design Engineering.

As Senior Vice President, Human Resources, Ms. Sone-Cooper is accountable for providing Human Resources counsel and advice to the business. As a strategic business partner and coach, Ms. Sone-Cooper provides leadership, direction and support for all aspects of the Human Resources portfolio for HomEquity Bank.

Ms. Sone-Cooper consulted to Canadian Home Income Plan (CHIP, the predecessor to HomEquity Bank) and HomEquity Bank for nine years before joining the organization in 2010 in her current role.

Ms. Sone-Cooper graduated from York University with a Bachelor of Arts (Honours) and holds her CHRP designation. She has also completed the Coaches Training Institute's Advanced Coaching Program.

Mr. Valentine is HomEquity Bank’s Vice President of Marketing. He is responsible for helping thousands of Canadians seniors use their biggest asset to help them live a better retirement.  Richard is driving the expansion of the CHIP Reverse mortgage program by educating other banks, mortgage brokers, and Canadian seniors directly on how to access the equity available in homes while retaining home ownership.

Mr. Valentine joined HomEquity Bank in 2014

Mr. Valentine holds a Bachelor of Business Administration from Wilfrid Laurier University, and has more than 15 years working in the Financial Services industry.

Mr. MacIntyre is a partner at Birch Hill Equity Partners and has over 33 years of experience in private equity and investment banking.  From 1995 to 2000, he was head of TD’s Global Private Equity business and President of TD Capital.  From 2002 to 2004, Mr. MacIntyre served as a Senior Advisor to TD Capital and was an active member of the advisory committee of TD CPEP, Birch Hill’s predecessor company. He was also on the advisory committee of other alternative investment funds within TD Capital, including TD Capital Private Equity Investors, TD Capital Technology Ventures and TD Capital Mezzanine Partners.

From 1987 to 1994 and from 2000 to 2002, Mr. MacIntyre was with TD Securities, most recently as Vice Chair and Global Head, Investment Banking. Prior to joining TD Securities in 1987, Mr. MacIntyre practised with Ernst & Young LLP.  John also serves on the Board of the St. Michael’s Hospital Foundation, and the Community Foundations of Canada.

Mr. MacIntyre is a Fellow of the Institute of Chartered Accountants of Ontario, a Chartered Business Valuator and he holds an Honours Bachelor of Commerce from Queen’s University.

After a distinguished career of 40 years in investment banking, John retired in December 2015 from Scotiabank where he held the role of Vice-Chairman, Global Investment Banking.  John was responsible for senior executive relationships with major Canadian corporations as a trusted advisor. John established and led the foremost Financial Services Group on Bay Street, which was instrumental in a number of landmark transactions, notably the demutualization of the Canadian life insurance industry and played a lead role on the largest IPO in Canadian corporate history: $2.4 billion IPO of Manulife Financial.

John has been actively involved in a wide range of board and philanthropic activities:

Executive Committee, Institute of Corporate Directors

Chair, Children’s Aid Foundation

Vice-Chair, Bridgepoint Health Foundation

Director, Mt. Sinai Health Foundation

Director, Toronto Foundation

Trustee, Toronto Symphony Foundation

Director, SMC Alpha Man Holdings

Director, Sunnybrook Hospital & Foundation

Director, Duke of Edinburgh Award for Canada, Charter For Business

National Board of Governors, Canadian Centre For Diversity

Major Gifts Cabinet, United Way of Toronto

John was educated in the UK at Oxford University and the City of London Business School before emigrating to Canada in 1974.

He holds the ICD.D form the Canadian Institute of Directors and the F.C. S. I. from the Canadian Securities Institute.

Mr. Galloway was Chair of the Bank of Montreal from 1998 until he stepped down in 2012.  As well, he served on the audit, human resources, governance and risk review committees of the Board of Directors of the Bank of Montreal.  He has also served on the Board of a number of public companies, including Abitibi, Cognos, Shell Canada, Hudson's Bay Company,Westbourne Inc. and Clearnet Communications.

Mr. Galloway joined Torstar (owner of The Toronto Star, Metroland Newspapers and Harlequin books) in 1981 and served as CEO of Harlequin from 1982 to1988 and CEO of Torstar from 1988 to 2002.  Prior to joining the Harlequin/Torstar group of companies, for ten years, he was a founding partner of the Canada Consulting Group - a leading strategic management consulting firm, which was acquired by the Boston Consulting Group in 1992.

Mr. Galloway is a director of Toromont Industries, GDI Services and Scripps Networks Interactive.

Mr. Galloway holds a Honours Bachelor of Arts in Political Science and Economics from the University of Toronto and a Master of Business Administration from the Harvard Business School.

Mr. Jauernig is the Chief Operating Officer of Element Financial Corporation, one of North America’s leading fleet management and equipment finance companies.  Prior to Element Financial, he served as the  President and Chief Executive Officer of Classified Ventures, LLC, a provider of online classified advertsing products in the United States.  He joined Classified Ventures in 2000 and previously worked with the former Toronto-based Newcourt Credit Group Inc., where he served as Chief Financial Officer and President of the Newcourt Services division from 1991 to 1999.  Prior to Newcourt, Mr. Jauernig worked at Arthur Andersen's Toronto office in its international taxation group from 1986 to 1991.

Mr. Jauernig is a Canadian Chartered Accountant, a Certified Management Accountant and a United States Certified Public Accountant and he holds a Bachelor of Mathematics from the University of Waterloo.

Mr. Lebel has been Chairman of Imperial Metals Corporation since 2003.  Mr. Lebel is also a director of West Kirkland Mining Inc., Business Council of British Columbia, Mining Association of British Columbia, Mining Association of Canada, and Lions Gate Hospital Foundation.

Mr. Lebel holds a Bachelor of Arts from Laurentian University, a Master of Business Administration from McMaster University and a law degree from The University of Western Ontario.  He is also a member of the Law Society of British Columbia (retired from active practice in 2011).

Mr. Mazan is a partner at Birch Hill Equity Partners and has over 19 years of experience in private equity, investment banking and consulting. He was with TD Capital, Birch Hill’s predecessor company, from 1999 to 2005. Previously, he was with Credit Suisse First Boston (CSFB) where he worked on a variety of corporate finance and mergers and acquisitions assignments.  Prior to joining CSFB, Mr. Mazan was the Director of Finance and Business Development for Rogers@Home, the Internet-over-cable venture of Canada’s largest cable television company.  Mr. Mazan also spent three years with McKinsey & Company.

Mr. Mazan holds a Bachelor of Commerce from Carleton University, where he graduated as the gold medalist, and a Master of Business Administration from the Richard Ivey School of Business, University of Western Ontario, where he also graduated as the gold medalist.

As President and Chief Executive Officer, Mr. Ranson is responsible for setting the strategic direction and the operational performance of the Bank. He is accountable to the Bank’s Board of Directors for delivering appropriate economic returns and for creating an entity capable of sustainable value creation. In addition, Mr. Ranson is responsible and accountable for performance consistent with the interests of its clients, the general public, employees and its owners.

Mr. Ranson joined Canadian Home Income Plan (CHIP, the predecessor to HomEquity Bank) as Chief Financial Officer in 1997 and was appointed President in 1998 and CEO in 2001. He continued in his role through the public offering of Home Equity Income Trust in 2002, the conversion of the Trust to a corporation in June 2009, and the subsequent creation of HomEquity Bank in October 2009.

Mr. Ranson, a Chartered Accountant, graduated from the University of Toronto with a Bachelor of Commerce and he also holds a Masters, Business Administration from York University.

Ms. Valiquette is a director of ShawCor Ltd. (a global energy services company) and was previously a director of Western Life Assurance Company, a subsidiary of Western Financial Group, before its sale to Desjardins Group.

Prior to serving on boards of publicly traded companies, specifically related to the financial services sector, Ms. Valiquette held the position of Chief Financial Officer for ING Canada Inc., NN Financial, and Ontario Blue Cross.

Ms. Valiquette, a Chartered Professional Accountant and a member of the Canadian Institute of Chartered Accountants, holds a Bachelor of Mathematics (Statistics) from the University of Waterloo and a Master of Business Administration from the University of Toronto.