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Leadership Team

Don Coulter 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.


Ben Douangprachanh 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 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 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.

Brian Guillemin Brian Guillemin, MBA
Chief Digital Officer

Brian began his career 40 years ago as an Engineering Assistant with SaskTel, a telecommunications company in Saskatchewan, Canada. The unique opportunity to work with some of the first North American fibre installations and expand his technical skills across numerous communication formats gave Brian an appreciation for how rapid change can be a motivator for exploring new horizons. At SaskTel, Brian transitioned between engineering and data processing, and in 1992 he joined CUETS, an electronic transaction processing company.

At CUETS, Brian served the Canadian co-operative system in various leadership roles and he is credited with leading several payment industry and card association firsts within the system. These distinctive credit card offerings and payment solutions resulted in an acquisition by MBNA Canada (2007) and later TD Bank (2011), providing Brian expanded leadership opportunities and insight into the rapidly advancing payments industry in Canada.

In 2013, Brian joined Concentra Bank as the Executive Vice-President, Chief Information Officer. He has held a few roles in his career at the bank, including Interim President and CEO. Today, as Chief Digital Officer, Brian is key to the technical development and support of the critical business enablers required for the bank’s growth and long-term success. Brian leads Concentra’s IT security and business technology teams, with a corporate focus to advance digital strategy, mature business intelligence, improve internal performance, efficiency and collaboration, and establish a digital banking foundation for customer growth and a competitive customer experience.

Brian is also a long-time member of the Saskatchewan Science Centre Board of Directors. Outside of his family and grandchildren, Brian’s personal interests are many, including woodturning and blacksmithing.

Paul Masterson 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.

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Neal Oswald 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 Postlewaite Tanya M Postlewaite, BA, LLB
VP Governance and Corporate Secretary, Chief Compliance Officer

Tanya has been with Concentra since 2013. With her strong legal, regulatory and leadership background she has developed and matured Concentra’s regulatory programs, ensuring effective management of Concentra’s prudential obligations. She also plays a role in our strategic initiatives and advises on regulatory and governance matters. Tanya collaborates closely with the Board of Directors and Executive Leadership Team. Her various roles touch every corner of the bank and her wide-angle perspective is beneficial to Concentra’s dynamic and diverse operations. An inspiring leader to her teams, Tanya takes a ‘one team’ approach that allows her to excel at execution and collaboration.

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.


Philippe Sarfati Philippe Sarfati, BComm, MBA
Chief Risk Officer

In June 2018, Concentra welcomed Philippe to oversee the bank’s comprehensive risk strategy. Over his nearly three decade career in the financial services industry, Philippe served in myriad roles including within the Canadian credit union system, Bank of Montreal, Canada Pension Plan Investment Board, the Office of the Superintendent of Financial Institutions, and most recently with Promontory Financial Group.

As Chief Risk Officer, Philippe ensures sound governance and effective controls for enterprise risk management, compliance, corporate policy, credit adjudication and regulatory framework to meet Concentra’s strategic and business objectives, while also enhancing shareholder value. He provides strategic leadership to support a prudent risk culture focused on growth, development, and market relevance.

Philippe brings extensive domestic and international experience in risk management governance and regulatory compliance, with a particular focus on integration of credit, market, operational, reputational, legal and regulatory risks.


Diane Tom Diane Tom, M.Sc., LL.B, TEP
Head of Concentra Trust

Diane is responsible for overall management and strategic execution across all business lines within Concentra Trust, including Registered Plans and Estates & Trusts Planning. Since joining Concentra in 2019, she has been instrumental in helping to launch new products such as RDSPs, Indigenous Trusts, and CADT, a blockchain-anchored stablecoin.

An engaging and inspiring professional, Diane is highly regarded in the Canadian trust industry. Prior to joining Concentra, Diane was in-house counsel at RBC, managing a team of legal professionals who support estate, trust, registered and locked-in pension plans, banking operations and payments issues. She has also held trust company and wealth management roles supporting business, sales and risk strategies at TD Wealth and Fiduciary Trust Canada.