Don Coulter, BSc, MSc, CPA, CA, ICD.D
President and Chief Executive Officer
Don brings a talent for bold and innovative thinking, superior strategic insight and an energetic, engaging leadership style. He is known for motivating teams around fact-based change initiatives, demonstrating leadership through simplicity and service. Don has a unique ability to zero in on critical initiatives to enhance organizations and advance their missions. He is a life-long learner who shares his passion for knowledge as a university lecturer.
Joining Concentra Bank in March 2018, Don possesses a wealth of industry experience from financial institutions in Canada and around the globe. As President and Chief Executive Officer, Don is a visionary who enables Concentra to deliver business results and growth by concentrating on strategy. He heads the executive leadership team, empowering and enabling Concentra to achieve sustainable, long-term success. A member of the Concentra Bank Board of Directors, Don engages regularly with the Board to continually advance Concentra’s strategic position in the financial services industry.
Before leading Concentra, Don served as CFO, and most recently CEO of Coast Capital Savings. Prior to that, Don held senior executive roles with several global financial institutions.
Dave Baldarelli, MBA, CPA, CMA
Chief Digital Officer
Dave joined Concentra in 2021 to develop our digital business. He is a motivational leader with a demonstrated ability to guide an organization through innovation and extensive business transformation. He is passionate about creating value for customers and offering products that drive business results. Dave has more than 25 years’ experience working for banks, credit unions, and Fintechs. Dave is active in the community, serving on two not-for-profit boards, one of which he is the Treasurer.
Ben Douangprachanh, CPA, CA, CFA
Vice President Internal Audit
Ben leads Concentra’s internal audit team, providing independent assurance on the effectiveness of Concentra’s internal control, risk management and governance processes to the Audit Committee and Senior Management. Ben joined Concentra in April 2020, with more than two decades’ experience in financial services as an external auditor, as well as an internal auditor in the brokerage and full banking environment. A Chartered Professional Accountant (CPA Canada) and a Chartered Financial Analyst (CFA), Ben is an alumnus of Wilfrid Laurier University and holds a Bachelor of Business Administration.
Prior to joining Concentra, Ben held the Chief Internal Auditor role with CIBC Mellon and CIBC FirstCaribbean International Bank, and worked in increasingly senior roles at PWC and Merrill Lynch in Toronto, New York, Singapore, Hong Kong and Thailand.
Ryan Graham, CPA, CMA
Chief Banking Officer
Since 2003, Ryan has honed his professional expertise with Concentra, progressing through increasingly challenging management and leadership roles. In April 2017, he was appointed Executive Vice-President to lead the retail and commercial banking divisions, assuming responsibility for residential, commercial, leasing, consumer, and credit union consulting and relationship management.
In collaboration with the executive team, Ryan brings dedication and a deep commitment to continually improve the value Concentra delivers to stakeholders. Ryan is accountable for developing, overseeing and executing strategy to provide a full suite of retail and commercial banking products and service offerings, with an eye for continuously broadening Concentra’s portfolio. Through Ryan’s leadership, Concentra’s banking teams work to foster success through partnerships and participation in complex banking and financial intermediation activities.
Ryan is active in his community though his involvement on the Board of Hope’s Home, which provides daycare services in Saskatchewan for children with medically complex needs.
Jayleen Groff, Chief People Officer
Jayleen Groff joined Concentra in July 2019 with 25+ years of experience in Human Resources. As Chief People Officer, she will drive a culture of high performance via a people strategy that supports the bank’s growth, change and innovation.
With expertise in organizational transformation including mergers and acquisitions, Jayleen promotes business success through her focus on leadership and organizational capabilities. A pragmatic leader, she has developed HR teams to support companies across North America through change and growth. She has developed and redesigned employee programs and processes, operating models and performance-based compensation programs. She has also introduced HRIS technology to improve efficiency, employee engagement and metrics.
Prior to joining Concentra, Jayleen held a senior leadership role in Human Resources at a large North American grain handling company. She also spent three years managing global corporate M&A integration programs.
Jayleen lives enjoys travelling with her family, exploring as many different places as possible. Closer to home, she enjoys camping, hiking and outdoor activities with her two dogs.
Paul Masterson, CPA, CA, MBA, ICD.D
Chief Financial Officer
Concentra Bank welcomed Paul in May 2017. A strategic thinker with strong technical capabilities, Paul’s precision and results-driven focus combined with his collaborative leadership style enable him to shape strategy and accelerate growth.
As Executive Vice-President, Chief Financial Officer, Paul is a cornerstone advisor to Concentra’s CEO and executive team, bringing strategic financial insight and his sharp acuity for analysis and evidence-based decision-making. Paul is accountable for ensuring effective management of Concentra Bank’s capital resources for achieving long-term goals. Paul oversees Financial Reporting and Analysis, Treasury, Corporate Analytics as well as Institutional Deposit Raising. Paul also has primary leadership accountability for business insight and intelligence, pairing nicely with his responsibility for the Concentra Strategy portfolio.
Prior to joining Concentra, Paul held senior executive positons with financial services and wealth management providers in the United Kingdom, Canada and the United States.
Sandra Meinig, MBA
Chief Risk Officer
With 25+ years of experience in financial services, Sandra is an accomplished risk executive. Her career encompasses both commercial and corporate banking, enterprise risk management (ERM) and large-scale project management. Within ERM, she has expertise in credit risk management, governance and compliance, risk analytics, AIRB implementation, risk reporting and risk strategy and framework development. As a strategic thinker and champion of continuous improvement, she has also led large, complex transformational change initiatives throughout her career. Sandra is responsible for our Risk Management Group and for helping us move the bank forward while balancing risk and growth.
Chief Technology and Operations Officer
Wendy joined Concentra in 2021 to develop synergies among the digitization, automation and operations of our company. An Agile expert, she is digitally savvy and business focused—a former CIO with global experience and a background in banking, insurance and wealth management.
Throughout her career, Wendy has championed diversity and inclusion, and she has worked to bring STEM events to youth in under-represented communities. Wendy is chair of the Salvation Army’s IT Committee to the Board and an advisor to a startup biotech that supports mental health. She completed her undergraduate studies at the University of Edinburgh and post-graduate studies in Technology at Napier University in Scotland.
Neal Oswald, CPA, CFA
Chief Operating Officer
Neal is a senior executive leader and execution specialist with over 30 years of extensive global financial services experience in retail, wholesale banking and asset management. Prior to joining Concentra in August 2018, Neal held executive positions with a large national bank and was a partner with both Ernst & Young and PwC. He is an analytical and data-driven transformation specialist who brings exceptional insight to transform processes and existing technology in support of modern architectures and digital business models. Neal is known for collaboratively working with cross-functional teams to execute transformational change.
As Concentra Bank’s Chief Operating Officer, Neal provides leadership and oversight to enterprise operations, controls and internal processes, with primary accountability for facilities, internal consulting, outsourcing relationships and program execution.
Tanya M Postlewaite, BA, LLB
VP Governance and Corporate Secretary, Chief Compliance Officer, Interim Head of Trust
Tanya has been with Concentra since 2013 and has leveraged her strong legal, regulatory and leadership background to develop and mature Concentra’s regulatory programs. Tanya advises on strategic, regulatory and governance matters and, as Interim Head of Trust, she is responsible for the strategic development of our Trust business, with a view to growing the national presence of Concentra Trust.
Tanya has been called to the Bar in four jurisdictions. Prior to joining Concentra she practiced corporate restructuring in Toronto and mutual fund law at a leading international firm. She has written on a number of legal and governance issues and is involved in numerous professional organizations.