INNOVATIVE & EXPERIENCED TEAM
Supporting the business engine that drives our economy
Troy Wright is a globally recognized leader and trusted ‘go-to’ industry expert with a proven 30 year plus track record in the financial services industry. During his career, Troy has met with thousands of companies across Canada and has developed a very clear understanding of the challenges and opportunities faced by business owners in this country. In his current role as CEO of Lendified, he oversees the vision, strategic direction, risk management and leadership of the company.
Prior to Lendified, Troy was the President and CEO of the Scotiabank Group Mexico, the largest subsidiary of Scotiabank outside of Canada, a full service bank with 2.4 million customers, US $23 billion in assets, 900 branches and 15,000 employees. Previous to this, Troy was Executive Vice President, Canadian Retail Branches and Channels at Scotiabank, having, among other skills, extensive experience in risk management, overseeing all retail and commercial risk management processes, compliance and regulatory risks.
Troy has lived and worked domestically and in several international locations and is multi-lingual. He is a graduate of the Harvard Business School, Advanced Management Program; Western University with a BA; and, the Harvard Business School YPO Presidents` Program.
“I have met business owners across Canada from all walks of life, and have always been impressed with their big picture thinking and courage to realize their entrepreneurial dreams. They are truly the life blood of our economy and their innovativeness and creativity are boundless.”
Bringing Marketplace Lending Investment Opportunities to the Canadian Market
Mark Stewart has extensive experience in global wealth management with a strong track record of success of strategic business planning and implementing innovative product strategies across multiple distribution channels and countries. With over 25 years of experience in financial services, Mark brings his leadership and knowledge of financial markets to Vault Circle as the Managing Director, where he will oversee the development and strategic growth of the investment company.
Previously, Mark was the Director of International Product Development of Scotiabank’s International Asset Management division with responsibility for product strategy and development, investment product oversight and relationship management with seven global asset management businesses in Latin America and the Caribbean.
Prior to this, Mark headed up the Product Development Team at BMO Investments where he was responsible for developing and implementing the overall product vision and launching various investment products to meet customer needs, including structured notes and ETF portfolios.
Mark has a strong business acumen developed through diverse experiences across banks, insurance and mutual fund companies. Mark has a BA from the University of Western Ontario and a MBA from Dalhousie University.
“The emergence of marketplace lending has created a new investment opportunity for income-seeking investors. Vault Circle will provide investors with access to high-yield Canadian small business loans from creditworthy businesses. Our investment platform will offer a simple and transparent way to build a diversified portfolio of quality loans, tailored across business sectors, credit grades and investment yields.”
Connecting small business with capital efficiently and effectively
Spanning over 30 years in domestic and international banking, Kevin brings extensive business development and leadership skills from his experiences across all customer segments to his position as President. His passionate views for economic growth and business development in Canada positions him well in delivering Lendified’s products and services to the small business marketplace.
Most recently, in his capacity as Senior Vice President and Global Head of Sales for Scotiabank’s Transaction Banking business, Kevin held responsibility for the delivery of trade finance and cash management products to the Small Business, Commercial and Corporate segments both domestically in Canada and internationally. Previous to this, Kevin was Senior Vice President, International Corporate and Commercial Banking, leading lending activities across the Caribbean, Central and South America and the Asia Pacific markets. In these positions, Kevin held membership in credit, compliance and regulatory committees.
Kevin has lived in a number of international locations, is a graduate of the Executive Leadership Program, The Richard Ivey School of Business, Western University, and holds an MBA also from The Richard Ivey School of Business. Kevin has served as Vice Chair & Director, Canadian Counsel of the Americas, an association promoting Canadian investment in the Americas since 2009 and held a number of public and private board positions.
“There are tremendous opportunities here in Canada to support small business and providing efficient capital to this segment is necessary and achievable. I believe our platform is truly designed with the small business owner in mind to help this core segment of our economy grow”.
Chief Revenue Officer
Building a lending platform enabling frictionless small business loan adjudication
Monique Morden has a data driven background combining 20+ years of experience in customer intelligence and 10+ years in technology. Monique relished playing a role in disrupting the market research industry while a senior executive at Vision Critical, where their cloud based customer intelligence platform created an innovative alternative to traditional market research.
Inspired by the transformative power of technology, Monique co-founded Mentio in 2014, where the goal was to leverage machine learning algorithms to analyze trends and patterns in the cloud accounting data of small businesses. The result was a mobile first automated cash flow forecasting tool for small business owners, acting as an early warning system for cash flow issues. While taking part in Techstars (Seattle 2015), Mentio realized the value of their application to the alternative lending space leading to Lendified recognizing the power of Mentio’s cash flow algorithm to their credit engine, spurring an acquisition in March, 2016.
Monique helped expand Vision Critical into Australia, Asia, the UK and Europe, providing her with invaluable international business experience. Monique is a graduate of the Masters of Business Administration at Beedie School of Business, Simon Fraser University; and an Honours B.Sc graduate from the University of Guelph. Monique is based in Vancouver with her husband and three teenage daughters where they spend many hours ripping powder at Whistler.
“I’m fascinated by technology’s ability to disrupt and positively evolve an entire industry. Lendified’s credit engine will democratize small business lending, not just for small businesses, but for all sizes of lenders involved.”
Chief Financial Officer
Creating operational efficiencies through technology
Sean Wilson has a unique blend of entrepreneurial DNA, financial expertise and lean startup mentality. Sean’s finance background has given him a data driven passion for strategic decision making. From tip to tale, Sean gathers and analyzes metrics from the organization that feed into financial models aimed at optimizing profits and efficiencies. Sean has operated this way, largely influenced by his time at KPMG but embedded in his approach to business management whether his own startup (mydealbag) or an international clothing retailer (Aritzia).
Inspired by technology’s ability to help small businesses, Sean co-founded Mentio in 2014, where the goal was to leverage machine learning algorithms to analyze trends and patterns in the cloud accounting data of small businesses. The result was a mobile first automated cash flow forecasting tool for small business owners, acting as an early warning system for cash flow issues. While taking part in Techstars (Seattle 2015), Mentio realized the value of their application to the alternative lending space leading to Lendified recognizing the power of Mentio’s cash flow algorithm to their credit engine, spurring an acquisition in March, 2016.
Sean is a graduate of the Bachelor of Commerce program at the University of British Columbia; international business competition first place winner at the Rotterdam School of Management; a member of the Institute of Chartered Accountant of British Columbia (CA, CPA); and was top 1% performer at KPMG Canada. Sean spent all of 2014 travelling the world and still can’t keep his feet in one place. While based in Vancouver, you could find him anywhere!
“My financial background and technical affinity enables me to identify extra dollars in every system, process and corner. Technology gives me the tools to create operational efficiencies that benefit Lendified and our customers.”