Your PenFinancial Board of Directors

David Veres

Board Chair

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  Director since 2025

  David joined PenFinancial’s Board of Directors in 2025 and currently serves as Board Chair. He is a Partner at The Centre for Leading and Living and a Senior Consultant with Academica Group, supporting leadership development, strategic planning, and organizational effectiveness across Canada’s post-secondary sector.

  With more than 25 years of experience in education and leadership, including senior roles at Niagara College, David brings expertise in governance, strategy, risk oversight, and policy development. He holds a PhD in Leadership and Policy from Niagara University, a Master of Arts in Leadership from Royal Roads University, and a Bachelor of Arts (Honours) from Queen's University.

  A dedicated community volunteer, David has served on numerous boards and charitable organizations throughout Niagara and is committed to supporting the long-term success of the region and its communities.

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Darryl Veld

Board Vice-Chair; Chair of the Governance, Ethics and HR Committee

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  Director since 2026

  Darryl joined PenFinancial’s Board of Directors in 2026 and serves as the Board Vice-Chair and Chair of the Governance, Ethics and HR Committee. He currently serves as Director, Student Affairs at Brock University. Darryl is also the owner and principal mediator at Niagara Mediation.

  A lawyer, educator, and community leader, Darryl brings expertise in leadership, governance, mediation, policy development, and conflict resolution. He holds a Bachelor of Arts and Master of Business Administration from Brock University, as well as a Juris Doctor from Michigan State University.

  He has served on several community boards, including NEXTNiagara and Birchway Niagara, and is an active member of professional legal and mediation associations.

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Sandy Brown

Chair of the Audit and Operational Risk Committee

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  Director since 2025

  Sandy joined PenFinancial’s Board of Directors in 2025 and serves as Chair of the Audit and Operational Risk Committee. She retired in 2021 following a 42-year career with Niagara Credit Union and Meridian Credit Union, where she held senior leadership roles in real estate, facilities management, finance, and information technology.

  Sandy brings extensive experience in risk management, information technology, governance, mergers and acquisitions, project management, and business continuity planning. Throughout her career, she led major organizational initiatives, including system conversions, technology governance, and operational integration projects.

  She has completed executive education through the Schulich School of Business and holds multiple professional certifications in IT governance, information security, risk management, and business continuity. Her expertise helps support the Board's oversight of operational and enterprise risk.

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Tim Curtis

Chair of the Credit and Market Risk Committee

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  Director since 2026

  Tim joined PenFinancial’s Board of Directors in 2026 and serves as the Chair of the Credit and Market Risk Committee. He serves as President of Niagara-on-the-Lake Hydro and brings more than three decades of financial and executive leadership experience. Prior to joining Niagara-on-the-Lake Hydro, he held senior finance roles with organizations in the utility, financial services, and equipment finance sectors.

  A Chartered Accountant and business leader, Tim brings expertise in strategic planning, financial management, treasury, governance, customer service, and people leadership. He has extensive board experience, having served on numerous corporate and charitable boards throughout his career.

  Tim holds a Master of Business Administration from McGill University and a Bachelor of Commerce from Queen’s University. His combination of financial expertise, governance experience, and community involvement supports the Board’s oversight of PenFinancial’s long-term strategic and financial success.

  In addition to his volunteer Board work, Tim is active in a number of community sports including hockey, soccer and golf. He also enjoys travel.

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Laurie Ryan-Hill

Chair of the Nominating Committee

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  Director since 2021

  Laurie has served on PenFinancial’s Board of Directors since 2021 and currently chairs the Nominating Committee and is a member of the Credit and Market Risk Committee.

  Laurie brings experience in human resources, strategic planning, and credit union operations. She currently works for Marathon Community Services as the Director of People and Culture and previously held leadership roles at HMECU, including branch management and senior human resources positions. Her background provides valuable insight into organizational culture, workforce planning, and member service.

  Laurie holds a Bachelor of Arts (Honours) from Brock University and earned her Certified Human Resources Leader (CHRL) designation in 2007. She is also a Certified Credit Union Director and has contributed to numerous community and professional initiatives, including the Niagara Region DEI Community of Practice.

  Laurie is proud to be a Board member at PenFinancial and firmly believes that cooperatives are the best-kept secret in the financial world. She never misses an opportunity to tell people that banking with a credit union can make a real difference!

Jackie Aird

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  Director since 2026

  Jackie is a retired educator and longtime community volunteer who spent her career supporting students in special education with the Hamilton-Wentworth District School Board. She has been the owner of Ambron Properties, a University of Waterloo student housing complex. Jackie is a two-time recipient of the Prime Minister’s Award for Teaching Excellence.

  Jackie brings valuable governance and credit union experience, having served on numerous boards in the housing, education, and financial services sectors. She was a Director of Tandia Credit Union from 2014 to 2020, where she served on the Audit and Operational Risk Committee and chaired the Strategic Planning Committee. Her background provides expertise in strategic planning, risk oversight, and community engagement.

  An Accredited Canadian Credit Union Director, Jackie has been actively involved in community service throughout her career, including volunteering with local soccer organizations and assisting seniors with income tax preparation. She remains committed to supporting individuals and strengthening communities through volunteer leadership.

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Dr. Brad Davis

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  Director since 2026

  Brad retired in 2024 after a distinguished academic career spanning more than 30 years at Wilfrid Laurier University’s Lazaridis School of Business and Economics, where he taught marketing, strategy, consumer behaviour, and management. He has also taught at Brock University and has contributed to business research through published journal articles, conference papers, and case studies.

  Brad brings expertise in marketing, strategic planning, brand management, consumer behaviour, and organizational leadership. His experience helping students, organizations, and future leaders understand business strategy provides valuable perspective in supporting PenFinancial’s long-term success.

  He holds a PhD in Marketing and an MBA from York University, as well as graduate and undergraduate degrees in History and International Relations. Brad is also deeply committed to the Niagara community as co-founder and president of Pet’s Alive Animal Rescue Niagara, a charitable organization dedicated to animal welfare and rescue.

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Todd Harrison

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  Director since 2026

  Todd is a senior municipal executive and professional accountant with more than 25 years of leadership experience in municipal government and public finance. Most recently, he served as Commissioner of Corporate Services and Regional Treasurer for the Regional Municipality of Niagara, where he oversaw corporate services, financial planning, and strategic initiatives across the organization.

  Todd brings expertise in financial management, budgeting, governance, risk oversight, strategic planning, and organizational leadership. Throughout his career, he has held senior finance positions with the Region of Niagara, the City of Niagara Falls, Niagara Falls Hydro Holding Corporation, and the City of St. Catharines.

  He holds a Bachelor of Arts (Honours) in Management and Accounting from Brock University and earned his Certified Management Accountant designation in 2001. A strong supporter of community involvement, Todd has volunteered with various local sports organizations in St. Catharines and remains committed to serving the Niagara community.

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John Lamberink

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  Director since 2026

  John is a small business owner, operating Aquality Irrigation & Illumination since 1996. He brings more than 25 years of credit union governance experience and a deep commitment to the cooperative banking model.

  Throughout his board service, John has held director and leadership roles with Prosperity One Credit Union, Tandia Credit Union, and Education Credit Union. He brings expertise in corporate governance, audit, CEO evaluation and compensation, board effectiveness, policy development, director nominations, and mergers and acquisitions.

  In addition to his credit union governance work, he has contributed to his industry through volunteer leadership with Landscape Ontario’s Irrigation Commodity Group. His board experience provides valuable insight into effective governance and long-term organizational success.

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Nicole Perreault

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  Director since 2026

  Nicole is a strategic human resources leader with more than 25 years of experience in organizational planning, labour relations, talent management, and workforce strategy. She spent much of her career at Niagara College, where she held progressively senior leadership roles, including Director of Human Resources.

  Nicole brings expertise in governance, policy development, employee relations, organizational effectiveness, and operational leadership. Her experience supporting large and complex organizations provides valuable insight into people strategy, compliance, and organizational culture.

  She holds a diploma in Personnel Management and Industrial Relations from Niagara College and earned the Certified Human Resources Leader (CHRL) designation. A dedicated community volunteer, Nicole has supported numerous local organizations, including United Way South Niagara, the Niagara 2022 Canada Summer Games, the Welland Hospital, and Out of the Cold. Her commitment to community service reflects the cooperative values that guide PenFinancial.

  Outside of her professional and volunteer commitments, Nicole enjoys spending time with her husband, three children and four grandchildren, and remains deeply connected to the Niagara community she has called home throughout her life.

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