Board of Directors

Your Board Members

Alterna Savings' Board of Directors is the decision-making team behind your credit union. The President and CEO reports directly to the Board, and Directors are voted in by the members. By exercising your right to vote in Alterna Savings' elections, you are participating in the democracy of your financial co-operative. 

Maria Barrados
Chair of the Board

Maria has been a member of Alterna Savings and its predecessor organizations since the early 1970’s.  She is the Immediate Past Chair of Alterna Bank and is Chair of Alterna Savings.  She has also served and Chaired a number of other Boards and advisory committees.

Maria retired from the federal public service as President of the Public Service Commission of Canada.  Before that she was Assistant Auditor General at the Office of the Auditor General of Canada.  She has a Ph.D. in sociology and is currently Executive-in-Residence at the Sprott School of Business, Carleton University.  

In her retirement from the federal government she continues to serve as a community volunteer and to pursue her interests in public service reform, governance, financial and human resource management.

Norm Ayoub
Vice Chair of the Board

Norm is a bilingual, entrepreneurial, former senior executive with more than 40 years of experience in the financial service sector.  He has built and led high performance executive teams in the insurance, investment, and banking industries.  

Norm built a thriving consulting practice advising senior executives in the area of strategic planning and implementation.

In recent years, Norm has continued to be active in governance roles in both public and private institutions serving as Chair, Committee Chair, and Director on a number of corporate Boards.  Norm has also been active in his communities serving on numerous hospital and charitable Boards

Richard Neville

Richard is a fluently bilingual Fellow Chartered Professional Accountant and Fellow Chartered Accountant in Ontario, Québec and Alberta. He has served as past Chair of the Alterna Savings and Alterna Bank’s Boards of Directors. Richard is currently the Chair, Finance and Audit Committee for Alterna Savings. Richard joined the Federal Public Service in 1972 and held Senior Executive Positions culminating in being appointed Deputy/Comptroller General for Canada (Chief Financial Officer for the Federal Government).

He was also appointed the Vice-President and Chief Financial Officer for the Royal Canadian Mint. Richard is on several Boards of Directors and has received Order-in-Councils appointments.

He is a Knight in the Order of St-John Ambulance and is the Vice-Chancellor on their Board of Directors.

Earl Campbell

Earl Campbell is a Past Chair of Metro Credit Union, Alterna Savings, Alterna Bank and Interim Executive Director, Ontario Credit Union Foundation.  Formerly CEO and Director of Education, Scarborough Board of Education, he is the President of Earl G. Campbell Consulting, an entrepreneur, business coach and mentor for leadership development and strategic planning.  Mr. Campbell is a former Vice Chair of the Ontario Consent and Capacity Board.

Mr. Campbell has Bachelor of Arts and Master of Education Degrees along with mediation training at Osgoode Law School.

Earl Campbell has served as an Executive Committee Member for a number of National and International education organizations.  He has been recognized with a number of professional and community awards including a Star on the Scarborough Walk of Fame and as a Distinguished Educator of the Ontario Institute for Studies in Education.

Marianne Johnson

Marianne Johnson is proud to have been an active member of Alterna Savings since 1986 and a member of the Board since 2016.

Marianne is retired from the Bank of Canada, where she worked for over 20 years.  While at the Bank, her career focused on economic forecasting and modelling as well as financial sector issues and regulation.  Over the years, Marianne also took the opportunity to work and lead in the areas of mentoring and change management.  More recently, she has taken on interesting assignments with the Government of Canada.  Marianne holds a Masters of Arts (Economics) from Carleton University and a Bachelor of Arts from Queens University.

Marianne also has first-hand knowledge of the challenges facing small business in Canada, owning a family plumbing and heating business, with her husband since 1987.  She is married with four children and three grandchildren.

Ken Chan ICD.D 

Ken Chan has served on the Board of Alterna Savings since 2012 and Alterna Bank since 2013.

Ken is Vice President, Administration at Brock University. His previous roles included Assistant Deputy Minister for the Ontario Government’s COVID-19 Vaccine Distribution Secretariat and Assistant Deputy Minister for Transformation and Delivery at the Ontario Ministry of Heritage, Sport, Tourism and Culture Industries. Ken also held senior roles at Vertex Pharmaceuticals Incorporated and at Cystic Fibrosis Canada. His international public service experience included positions with the UK Department for Business, Enterprise and Regulatory Reform and at London City Hall. Ken is on the boards of ALS Canada, FirstOntario Performing Arts Centre, Pathstone Foundation and Open For Business (UK). He holds the ICD.D designation from the Institute of Corporate Directors.

Since 2019, Ken has volunteered with the Directors’ Forum Co-operative, a non-profit organization that has provided professional development, education and networking opportunities to credit union directors in Ontario for over thirty years. 

Ken is currently completing his PhD studies at ESCP Business School. He has a Master of Forensic Accounting from the University of Toronto, a Master of Business Administration from the City University of Seattle and a Bachelor of Arts in Political Science from Simon Fraser University.

Marilyn Conway Jones

Marilyn Conway Jones started her career as a tax lawyer in a large accounting firm, but for many years has worked in her own practice as a real estate, mortgage and estates lawyer in the Greater Toronto Area.  She has also been counsel to various non-profit and business corporations.  Marilyn is Alterna’s representative and a Director on the Board of the financial corporation, Home Ownership Alternatives, and has done pro bono work for an organization dedicated to keeping seniors in their communities, both corporations operating in the non-profit housing sector. 

Marilyn served for many years on the Board of the Caledon Parent Child Centre and has been a member of various business and community organizations.  She is a firm believer in aquatic safety education and long time supporter of the swim programme sponsored by the Dun Church Lions Club in the District of Parry Sound.

Bianca Garofalo

As the owner of three local restaurants, Bianca Garofalo has been involved in the business community in Thunder Bay for over 10 years.  Her business philosophy involves extensive partnerships with local purveyors and the tourism sector.  These businesses are also responsible for the creation of over 100 jobs.  For these efforts, Bianca was awarded “Young Entrepreneur of the Year” at the Influential Women of Northern Ontario Awards in 2013.  She also provides mentoring for the Canadian Youth Business Foundation.  

Bianca believes strongly in the philosophies of the credit union system and held a Board of Director’s position with Northern Lights Community Credit Union over 2 years ago where she Chaired both the Audit Committee & Commercial Credit Committee and has been involved in merger negotiations with Thamesville Community Credit Union & Alterna.  Bianca currently resides in Thunder Bay, ON with her husband and two sons.

Andy Cragg

Andy Cragg

Andy Cragg is a certified Project Manager (PMP®) and works for the Canadian Partnership for Women and Children’s Health, a network of organizations working together to achieve greater impact in improving women and children’s health around the world.  Andy was a member of the Board of the Peterborough Community Credit Union before its merger with Alterna Savings in 2016.  Having worked as a musician since the age of 17, Andy is passionate about the arts and in 2014 was made a citizen appointee to Peterborough’s Arts, Culture and Heritage Committee.

Andy has a Master of Arts degree in Canadian Studies and Indigenous Studies from Trent University and a Bachelor of Arts degree in Philosophy and Political Science from Dalhousie University.  Andy has also taken courses in human resources management and accounting and completed the Foundations of Governance course through the Credit Union Director Achievement Program.

Your Board of Directors would like to hear from you! What would you like to know from your Board? Do you have any comments, concerns, or inquiries about Alterna Savings? Let your Board know what you think by emailing the Chair of the Board directly at