Walden University

Graduate Student, Applied Management & Decision Sciences

Other Affiliations: Carleton University, Biology
McMaster University, DeGroote School of Business

PhD (AMDS) Student, Finance Specialziation

College of Management and Technology

Thesis Title: The effects of Basel II and OSFI regulations that saved Canadian Banking: Key learnings for other banks and regulators.

About

I am currently a PhD student at Walden University in the AMDS programme, Finance specialization. I am passionate about applying my individual strengths and competencies as a researcher and I feel my best contributions to society will be in the field of research and education.

As a former Finance Analyst in CIBC's Finance and Retail Markets groups, one of the projects I was involved in around 2001 was to develop a comparative analysis database and populate it with metrics relevant to bank stability and performance, such as Tier 1 Capital Ratio. I was to include all Canadian and US Banks and Broker/Dealers. The difference in regulatory capital structures between Canadian and US banks was already apparent at the time; even as recently as 2009, Tier 1 Capital Ratios of Canadian Chartered Banks hovered around 10%--well higher than the OSFI requirement of 7% and more than twice the required amounts by Basel II.

My future research interest--and hopefully dissertation topic--will focus on elucidating the impacts of regulation in the banking industry, such as Basel II, and the specific contribution of the various metrics that were instrumental in Canadian bank stability; hopefully, this will lead to future research to optimize regulatory requirements for performance.

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