Speakers

Dexter John became the second CEO of the Financial Services Regulatory Authority of Ontario (FSRA) on March 1, 2025. He brings more than 25 years of leadership experience in governance, risk management, and regulatory oversight.

Before joining FSRA, Mr. John served as the President and CEO of Morrow Sodali (Canada) Ltd., where he advised boards and executives on corporate governance, environmental, social and governance (ESG) initiatives, shareholder engagement, executive compensation, and strategic investor voting analytics.

His previous leadership roles include Senior Vice President and Executive Vice President of D.F. King Canada (formerly CST Phoenix Advisors) and Executive Vice President & General Counsel of Kingsdale Shareholder Services Inc., where he provided strategic guidance to public company issuers and boards on governance matters and corporate strategy.

Mr. John has also held several roles at prominent organizations including the Investment Dealers Association, the Ontario Securities Commission, and the Toronto Stock Exchange. He began his career by practicing corporate law at Stikeman Elliott, where he developed a strong understanding of regulatory and governance frameworks.

An expert in corporate governance, Mr. John has served on the boards of Organigram Holdings Inc, Prosper Gold Corp, Augustine Ventures Inc., and Partners Real Estate Investment Trust. He was also appointed to The Committee on the Future of Corporate Governance in Canada to contribute to the development and modernization of national governance policy.

Mr. John currently sits on the Organigram Holdings, CanPR Board and the Institute of Corporate Directors (ICD) Board.

Mr. John also has experience in regulatory governance, having served on FSRA's Board of Directors from 2021-2025. During his tenure, he was an active member of the Human Resources & Governance Committee and the Statutory Funds Advisory Committee.

Antoinette Leung is Executive Vice President, Market Conduct, at the Financial Services Regulatory Authority of Ontario (FSRA).

Antoinette previously served as Head of the Financial Institutions and Mortgage Brokering Conduct team, which is responsible for conduct supervision of credit unions, mortgage brokerages and mortgage administrators, and related policy making. She also has oversight over FSRA’s Complaints and Risk Assessment Unit, which is responsible for handling public complaints.

She chairs the Mortgage Broker Regulators’ Council of Canada (MBRCC) and the Market Conduct Working Group of the Credit Union Prudential Supervisors Association (CUPSA).

Prior to joining FSRA, Antoinette was a member of the senior management team at the Ontario Securities Commission (OSC). She has extensive experience in compliance, risk and policy making with respect to various financial sectors, such as dealers, portfolio managers and clearing agencies. She chaired and represented the OSC on various international and domestic regulatory committees.

She completed a secondment at Payments Canada in 2017-2018 as Director of Financial Market Risk, where she was responsible for leading the development of the risk and settlement models for Canada’s wholesale, retail batch and real time payment systems in collaboration with the financial sector and the Bank of Canada.

Antoinette is also a CPA, CA and a CFA charter holder.

Gina Stephens is a financial services sector policy leader with nearly 20 years of experience in strategic stakeholder management and the design, implementation, and supervision of regulatory regimes for the mortgage brokering sector.  As Director of Mortgage Brokering Conduct at the Financial Services Regulatory Authority of Ontario (FSRA), Gina is responsible for the development and delivery of mortgage brokering sector conduct supervision programs and initiatives within FSRA’s Market Conduct Division. Prior to joining FSRA, Gina worked at the Ontario Ministry of Finance (MOF) in the Financial Services Policy Division where she supported the legislative and regulatory policy work that led to the implementation of the Mortgage Brokerages, Lenders and Administrators Act (MBLAA) and its subsequent legislative reviews. 

Tamara Kido is the Senior Manager, Forensic Investigations, at FSRA. A second-career investigator with nine years of investigative experience, she brings a unique perspective, strong analytical skills, and a commitment to protecting consumers and upholding regulatory integrity. 

Tamara leads and supports complex investigations, distilling large volumes of evidence into clear, fact-based findings that support regulatory decision-making. She has testified before the Financial Services Tribunal in matters she investigated, contributing to decisions that advanced FSRA’s mandate. 

When she's not working, Tamara can usually be found on a golf course, in a sea kayak, curling, planning her next adventure, or experimenting with new recipes in the kitchen. 

Michael Scott is Senior Legal Counsel with the Financial Services Regulatory Authority of Ontario (FSRA). He litigates complex files in the mortgage brokering, insurance, and pension sectors. He is a graduate of the University of Toronto, Queen’s University, and Osgoode Hall. Outside of work, he enjoys soccer (football), birdwatching, and travel.

Yovanka McBean is currently Director of Licensing at the Financial Services Regulatory Authority of Ontario (FSRA) and prior to that managed a team of Regulatory Discipline Officers within the Market Conduct Division. Before her tenure at FSRA, she spent more than two decades working in professional regulation with a focus on enforcement. Yovanka is currently an active member of the Complaints Committee for the College of Immigration and Citizenship Consultants (CICC). 

Jennie Hodgson is Senior Manager of Mortgage Brokering Conduct within FSRA's Market Conduct division, where she leads a team responsible for the supervision of Ontario's mortgage brokering sector.

Jennie brings more than two decades of experience in the mortgage industry, having worked in mortgage underwriting, servicing, private commercial lending, education, and industry association leadership roles before joining FSRA in 2019. She has contributed to regulatory supervision, stakeholder engagement, and the development of regulatory guidance for the mortgage sector.

A graduate of Brock University with a BA in Adult Education, Jennie is passionate about helping mortgage professionals understand regulatory expectations and strengthen consumer outcomes through effective compliance practices.

Julie Leclerc is Acting Managing Director of the Financial Entities Unit within FINTRAC’s Supervision sector, where she provides national leadership for the oversight of multiple financial sectors, including the mortgage sector, and their compliance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). With more than 20 years of experience in anti-money laundering and anti-terrorist financing (AML/ATF), Julie brings extensive regulatory, compliance and leadership experience to her role. 

Elaine Taylor is a licensed Mortgage Broker, President of Mortgage Alliance and Managing Director, Full Service Brokerages at M3 Financial Group. She has more than 40 years of experience spanning the real estate, mortgage and financial services industries, including more than 20 years in the mortgage broker channel. Her career includes senior leadership in the relocation industry and a leadership role with CIBC’s Home Loans Canada. A former Chair of Mortgage Professionals Canada, Elaine was inducted into the Canadian Mortgage Hall of Fame in 2022 and the Canadian Mortgage Brokers Association (CMBA) - Ontario Hall of Fame in 2025, and is a five-time Woman of Influence.

Mark is CEO of TMG The Mortgage Group and has been in a leadership role there since 2009.  Prior to that, he worked on 'Top Teams’ at various lenders in executive leadership roles in Sales, Marketing, Corporate Development and Operations.

In 2014, Mark was elected as a Director of the Board at Mortgage Professionals Canada (MPC). During his four years on the Board, he served as Treasurer, Vice Chair, Chair and Past Chair. At MPC, Mark led Government Relations efforts and took an active role in helping the industry navigate through a very challenging regulatory environment.

In 2021, Mark was inducted into the Canadian Mortgage Hall of Fame.  

Before starting his mortgage career in 1999, Mark was trained as a high school history and special education teacher. 

Leah Zlatkin is an award-winning Mortgage Broker and Chief Operating Officer of Mortgage Outlet, a leading Canadian mortgage brokerage supporting more than 200 mortgage professionals across the country. Still an active Broker, Leah brings a frontline perspective to her leadership, combining hands-on client work with the day-to-day operation, growth and development of the brokerage. She is a member of FSRA’s Mortgage Brokering Technical Advisory Committee and an active voice in Canada’s mortgage industry. A frequent media contributor and industry speaker, Leah is passionate about raising professional standards, developing brokers and helping Canadians make smarter mortgage decisions.

Sadiq is the Principal Broker of Approved Mortgages, with over a decade of brokering experience and over 17 years in financial services with TD Bank. A University of Toronto graduate in Economics, he has held senior leadership roles within the Canadian Mortgage Brokers Association at both provincial and national levels. Sadiq has received numerous industry accolades, including recognition among the Top 100 Mortgage Professionals Globally and the Canadian Mortgage Professional (CMP) Hot List. Since 2021, he has served on FSRA’s Technical Advisory Committee and consulted for numerous federal organizations. He is also a Teranet Purview ambassador and founding Director of the Durham Family Advisory Board.

Athena brings more than 27 years of experience in the Canadian mortgage industry. She began her career with RBC before co-founding Sherwood Mortgage Group, where she served as Chief Operating Officer and helped grow the organization from nine employees to more than 160. She also co-founded and served as Executive Director of Sherwood Capital MIC. Today, Athena remains an active mortgage broker, bringing the TAC a practical perspective spanning mortgage origination, underwriting, operations, organizational leadership and regulatory compliance.

Deren Hasip is the Principal Broker and founder of Mortgage Scout, an award-winning mortgage brokerage serving clients across Ontario and British Columbia. A seasoned mortgage professional, Deren is passionate about raising industry standards through education, mentorship, and strong brokerage leadership. He is an instructor with Real Estate and Mortgage Institute of Canada Inc. (REMIC) and has served on FSRA’s Mortgage Brokering Technical Advisory Committee, contributing his industry perspective to regulatory discussions. Under his leadership, Mortgage Scout has built a reputation for professionalism, client advocacy, and responsible mortgage advice. Deren remains actively engaged in the industry, with a focus on compliance, education, and helping mortgage professionals build sustainable, client-focused

Sue-Ling is a subject-matter expert in regulatory compliance and financial crimes within the financial services sector. Her expertise spans both advisory engagements and hands-on, front-line operations, including building and managing enterprise risk management and compliance programs, internal audits, investigations, and remediation projects. The depth and breadth of her experience was acquired through serving in roles across all three lines of defence, including within institutions’ Audit Divisions and Global Anti-Money Laundering Compliance teams. She has also served as Chief Compliance Officer for a broker-dealer and a GSIB commercial bank, as well as a Compliance Examiner for a regulatory agency.

With 25 years in the industry, and 23 years spent with The Mortgage Professionals, Leigh Graham began his lending career after being drafted from the ranks of TD Canada Trust. Mentored under the founders and previous owners of The Mortgage Professionals, Leigh opened a successful branch office in Gananoque in 2006 where he has operated now for over 20 years. Leigh is a sitting board member of Mortgage Professionals Canada, a member of FSRA’s Technical Advisory Committee, and a strong advocate for consumer awareness in the home finance world. When not working, you may find Leigh on stage with any number of recreational music projects or attempting to entertain his four kids.