Karl has broad international experience in respect to Asset Liability Management, Funds Transfer Pricing, Capital Management and Balance Sheet optimization. Areas of expertise include Treasury, Market and Credit Risk Management, Financial Analysis, Regulatory Reporting and Merger & Acquisitions. In his previous roles, Karl was Vice President – Balance Sheet and Capital Management with The Bank of Nova Scotia (Scotiabank – Canada), where he lead the Funds Transfer Pricing, Basel III implementation and Capital Management for the International Division. Prior roles within Scotiabank include CFO for a Consumer Lending Joint Venture; Comptroller for Central America and Caribbean Region; and Director of Mergers and Acquisitions. Before moving to Canada Karl was the Head of Asset / Liability Management and Basel Office for Scotiabank Inverlat, the Mexican unit of Scotiabank. Karl has a BSc. in Economics and a Master’s degree in Finance from ITAM (Mexico), and is also a CFA Charterholder. He currently lives in Toronto, Ontario with his wife and two kids and enjoys motorcycle riding.