Lois Tullo is in her 20th year of teaching Financial Services and Risk Management at the executive, MBA and undergraduate level. She was the keynote speaker at the Risk Canada Conference this summer, and teaches in the Professional Risk Certificate Program. Previously she was CFO at CIBC Finance Inc a non-wholly own subsidiary of CIBC, responsible for Finance, Accounting, HR, and interim Risk Management. CIBC FI had a portfolio of $6 billion student and car loans. Previously she was Director of Process redesign at Unitel, Management Consultant at Nolan, Norton Canada a Business Strategy and Technology Architecture firm, Accountant for Food for the Hungry Ethiopia, Data Analyst TCPL, Chartered Accountant E&Y, and PWC.