Mitchell Chad is a senior Risk and Treasury practitioner with over 20 years of financial services experience built on a foundation of technical expertise, thought leadership, and change management. Throughout his career, he has focused on a holistic and comprehensive approach rather than the siloed one traditionally adopted by financial institutions.

Mitch and his team developed RBC's suite of models and methodologies for IFRS 9, CECL, CCAR and EWST, including the underlying technology architecture. Prior to joining RBC, Mitch held progressively senior roles at multiple Canadian and international financial institutions in treasury and FTP (ALM and SIRR strategy, enterprise-wide implementation of LCR, NSFR and BCBS 239), market risk (MVS, EaR, VaR and PFE), structuring complex financial instruments and credit risk analytics (pricing/strategy models, AIRB, ICAAP, economic capital and stress testing).

Mitch holds a Master of Science degree in Mathematics, Statistics, and Actuarial Science from the University of Western Ontario.

Jonathan Liu is a seasoned Risk and Treasury professional with over 10 years of experience across multiple financial institutions in Canada, currently with RBC as a Director. Throughout his career, he has supported strategic change initiatives through stakeholder education, explanation, and evangelization of sound banking practices in the areas of enterprise risk and asset liability management.

Jonathan was a key member of programs such as RBC's inaugural CCAR filing, transforming RBC's automotive financing portfolio, and reinventing ALM at Scotiabank.

Jonathan studied Philosophy at the University of Toronto, where he led the Hart House Investment Fund in his final year.