Michael Kadel is a transformational financial services executive with over 25 years of experience driving strategic growth, operational excellence, and culture evolution. A visionary leader in banking, fintech, and organizational transformation, he has successfully led large-scale teams, executed high-impact growth strategies, and played a pivotal role in multiple mergers and acquisitions. His expertise spans Retail, Business, and Digital Banking, Private and Commercial Banking, and Wealth Management, with a strong focus on client experience, talent development, and technology integration. A servant leader committed to diversity, equity, and inclusion, Michael fosters high-performance cultures that prioritize innovation, engagement, and long-term success. His ability to align strategy with execution has consistently delivered measurable results, making him a trusted leader in financial institutions and board governance.

Larry Rodrigue is a highly accomplished financial professional with over 40 years of experience in the Canadian banking and mortgage industry, known for his expertise in risk management, credit assessment, and financial analysis. As a **Mortgage Agent Level 2 at Better Mortgage Choice Ltd.**, he leverages his extensive background to provide tailored mortgage solutions that meet the needs of homeowners and investors. Previously, Larry held numerous senior leadership roles at **CIBC**, including Director for Governance, Risk, and Management Controls, where he was instrumental in implementing financial oversight frameworks and leading high-performing teams across multiple regions. His strong analytical skills, strategic decision-making, and commitment to excellence have made him a respected leader in the industry. With a **Master of Business Administration from Athabasca University** and prestigious certifications such as the **Fellowship of the Institute of Canadian Bankers**, Larry continues to bring unparalleled knowledge and professionalism to his work, ensuring clients receive expert financial guidance with integrity and precision.

AI: Transforming Challenges into Opportunities for U.S. Banks The U.S. banking sector faces mounting pressures: escalating fraud, rising customer expectations, inefficiencies, and stricter regulations. But there’s a game-changer—Artificial Intelligence (AI). By harnessing AI’s ability to analyze data, detect patterns, and automate workflows, banks can turn obstacles into competitive strengths. Fraud Prevention: AI detects anomalies in real-time, adapting to evolving threats and safeguarding customer trust. Customer Experience: AI-powered tools offer personalized, 24/7 service, enhancing satisfaction and loyalty. Credit Risk Assessment: Smarter, data-driven lending decisions reduce defaults and expand financial inclusion. Regulatory Compliance: Real-time monitoring transforms compliance from a burden into a strategic advantage. Operational Efficiencies: AI-driven automation cuts costs and accelerates processes like loan approvals. For banking leaders, adopting AI isn’t just about survival—it’s about thriving in an industry poised for transformation. Those who act now will lead tomorrow’s financial landscape.

With over five decades of experience in banking, finance, and community development, I’ve had the privilege of leading transformative initiatives that empower communities and drive growth. My focus has always been on fostering equity, innovation, and collaboration to create lasting impact. Here is my biography.