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Our Leadership Team

Trudy Fahie

Trudy Fahie

Chief Executive Officer

Trudy was the driving force behind Walmart Canada’s expansion into the financial services space. Walmart Canada Bank launched in 2010 with the Walmart Rewards Mastercard®, a high-performing portfolio with best-in-class risk-adjusted returns.

Trudy’s executive experience includes roles at American Express and CIBC. She was president, CIBC Trust and head of global private banking, leading teams across Canada, the Caribbean and Asia. Before her career in the financial services industry, Trudy held various retail management roles with Hudson’s Bay.

Trudy serves as a board member of Duo Bank, Ivey Business School Advisory Board, and Kensington Health Centre. She is a graduate of the Ivey Business School at Western University and holds the Institute of Corporate Directors designation.

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Hal Khouri

Hal Khouri

Chief Financial Officer

Hal is responsible for all finance functions and leads strategic planning.

Hal joined Walmart Canada in 2011 as the Chief Financial Officer of its banking and financial services business including leadership of insurance, warranty and strategy.

Prior to joining Walmart, Hal served as CFO and head of insurance and business development with JPMorganChase Canada Bank’s credit card and consumer lending business that included key retail partnerships.

Hal holds Canadian CPA and CGA accounting designations and a Bachelor of Commerce degree from the University of Ottawa.

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Horace Saunders

Horace Saunders

Chief Operating Officer

Horace is accountable for Operations including the Project Management Office, Vendor Outsourcing, Technology, and contact centres nationally and internationally.

Horace joined Walmart’s financial services team in 2008 as Chief Operating Officer and played a leadership role in the launch and growth of Walmart Canada Bank. Prior to joining the financial services team, Horace was head of internal audit for Walmart Canada and previously director of loss prevention.

Prior to joining Walmart Canada, Horace was an operations executive in the retail industry in Canada and the US. Just prior to joining Walmart, Horace was the head of operations for the Canadian division of SportDepot.

Horace is a Ryerson University Business Admin graduate.

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Vivek Kumar

Vivek Kumar

Chief Risk Officer

Vivek is responsible for the bank’s risk management strategy including effective governance of strategic, reputational, operational, credit and compliance risks.  Vivek joined Walmart Canada Bank as Chief Risk Officer in 2018.

Vivek has expertise in risk management, customer management and strategy development for retail lending products and credit card portfolios. Prior to joining Walmart, Vivek was VP, Head of Canada Cards Risk Management at TD Bank. Vivek’s experience also includes roles in credit card management and data analytics at Capital One Bank Canada.

Vivek earned his MBA from Indian Institute on Management, Calcutta and his Bachelor’s degree in Engineering from Indian Institute of Technology. He is also a Chartered Financial Analyst.

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Kevin Pearce

Chief Compliance Officer

Kevin has responsibility for Regulatory Compliance Management, Consumer Protection, Complaints Handling, Privacy and the Bank’s Anti-Money Laundering (AML) program. 

Kevin is also the bank’s Chief Anti-Money Laundering Officer (CAMLO), Privacy Officer and Ombudsman.

Before joining Walmart Canada Bank as Chief Compliance Officer in 2012, Kevin spent 15 years with American Express where he most recently was responsible for Compliance and AML oversight for the Consumer Card, Commercial Card, Foreign Exchange, and Merchant Services businesses.

Kevin holds a Bachelor of Commerce degree from McMaster University and is a Certified Project Management Professional (PMP®).

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Jim Kozack

Jim Kozack

Vice President, Product, Marketing and Sales

Jim is responsible for the development and implementation of strategies and plans for product development, brand, marketing and omni-channel sales for Duo Bank.  Jim joined Duo Bank as VP, Product, Marketing and Sales in 2019.

Jim is an experienced leader in financial services.  Prior to joining Duo Bank, Jim was most recently VP, Credit Cards for Home Trust Company. Jim’s experience also includes nearly 20 years at Canadian Tire with leadership roles in loyalty, digital, retail and financial services product and marketing.

Jim holds a Bachelor of Business Administration from Brock University.

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Colleen Nunnaro

HR Director