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. 

Norm Ayoub
Chair of the Board

Norm is a bilingual, entrepreneurial former senior executive with an outstanding 40 year track record in the financial services sector. He has built and led high performance executive teams successfully in the insurance, investment and banking sectors. He has also built a thriving consulting practice specializing in the development and implementation of strategic plans for maximum market impact.

Norm continues to stay active in the corporate environment with a thriving consulting practice and a number of Board appointments in both public and community organizations. Currently he works with Lorax Systems, an industrial enterprise specializing in clean fuel management. In the Ottawa community, Norm sits on the Board of the Royal Ottawa Hospital Foundation.

Johanne Charbonneau, FCPA, FCGA, MBA, C.Dir
Vice Chair of the Board

Johanne is a senior financial executive with more than 35 years of experience.Her career spanned the private sector, government and Crown Corporations. Most recently she was Vice-President and CFO of CBC / Radio-Canada, the second largest federal Crown corporation with a budget of $1.7 billion and more than 10,000 employees worldwide. Previous to that she was VP Resources and CFO at the International Development Research Centre (IDRC) where she traveled and worked in Africa, Latin America and South East Asia. Previous to that she spent 15 years at Canada Deposit Insurance Corporation (CDIC), the last eight as VP Finance and CFO.

Since 2009, Johanne devotes her time and expertise to the growth and well-being of various organizations through board governance. She is a past Chair of Alterna Savings. She is a member of the board of The Co-operators Group Ltd, a large co-operative Canadian insurance company. She also serves on the board of the Sovereign General Insurance Company, a subsidiary of The Co-operators.

Johanne has been a member of the board of CGA Ontario since 2010. Most recently since the accounting merger in Ontario, Johanne was elected to the Chartered Professional Accountants of Ontario (CPAO) Council for a 3-year term where she is currently Vice Chair.

Past board engagements include the CBC Pension Board of Trustees (Vice Chair), Central 1 Credit Union (Vice Chair), Alterna Bank & Alterna Savings Credit Union, The Royal Ottawa Mental Health Centre, FEI Canada.

Johanne obtained her CGA designation in 1984 and her MBA from Queen’s University in 1994. In 2013 she was awarded the Fellowship CGA designation and very recently she received the accreditation of Chartered Director from The Directors’ College, a partnership for governance education between McMaster’s University and The Conference Board of Canada.

Richard Neville

Richard Neville a Director of the Alterna Savings Board and the Chair of the Finance and Audit Committee. He was elected Chair of Alterna Bank's Board of Directors from April 2008 until May 2010. He has served on the Alterna Savings' Board of Directors for the last 15 years (formerly CS CO-OP) until 2011, and on the Alterna Bank's Board of Directors from 2003 until 2015. He rejoined the Alterna Savings Board in 2015.

Mr. Neville began his career in the Public Service in 1972, where he progressed to hold a number of senior level positions. From 1999 to 2003, Mr. Neville held the position of Deputy Comptroller General of Canada. Mr. Neville was appointed Vice-President, Finance and Administration & Chief Financial Officer, Royal Canadian Mint in June 2003 and remained in that capacity till his retirement in January 2008. Currently, Mr. Neville has an Order-in Council appointment with the Federal Government and sits on several Boards and senior committees. Mr. Neville obtained his designation as a Chartered Accountant while articling with Clarkson, Gordon and Company, Chartered Accountants. Mr. Neville is a member of the C.A. Institutes in Ontario, Quebec and Alberta. In February 2001, Mr. Neville was named a Fellow of the Order of Chartered Accountants of Quebec and conferred the initials F.C.A.

Maria Barrados

Maria retired from the federal public service as President of the Public Service Commission of Canada, having also served as Assistant Auditor General at the Office of the Auditor General of Canada. She is currently Executive-in-Residence at the Sprott School of Business, Carleton University. In her retirement from the federal government she continues to advise governments at home and abroad on public service reform, governance, financial and human resource management.

Maria has been a member of Alterna Savings and its predecessor organizations since the early 1970’s. She serves on a number of boards and advisory committees, including as Chair of Accreditation Canada International, Chair of the Finance Committee of Champlain Community Care Access Centre, and member of the Executive of the Rothwell Heights Community Association. She has a Ph.D. in Sociology and continues to pursue her research interests.

Earl Campbell

Earl Campbell is Past Chair of the Alterna Bank Board and former Chair and Interim Executive Director of the Ontario Credit Union Foundation Board.  He is a Director of the Alterna Savings Board having served as Chair of both Alterna Savings and the former Metro Credit Union.  The retired Director of Education and CEO of the Scarborough Board of Education, one of Canada’s largest urban school systems, Mr. Campbell is the President of Earl G. Campbell Consulting and he is an entrepreneur, business coach and mentor for leadership development and strategic planning.With extensive Board experience and leadership in the community, Mr. Campbell has served as Chair of the Board of the Scarborough Walk of Fame Association.  Mr. Campbell is a Vice Chair and Tribunal member of the Province of Ontario’s Consent and Capacity Board, an independent body created under the Health Care Consent Act to conduct hearings under a number of health related Acts.

Mr. Campbell has a Bachelor of Arts Degree from York University and a Master of Education Degree from the University of Toronto. He has completed mediation training at Osgoode Law School and has served on appeal and grievance committees.

Mr. 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, University of Toronto.

Marianne Johnson

Marianne Johnson is an independent consultant with extensive experience in economic analysis and forecasting, as well as financial sector risk and regulation analysis. Marianne is retired from the Bank of Canada, where she worked as an Assistant Chief and Economist from 1990-2011. She holds a Masters of Arts (Economics) from Carleton University and a Bachelor of Arts from Queens University.

During her time at the Bank of Canada, Marianne had the opportunity to lead the Financial Institutions Division, the division tasked with economic analysis and forecasting of the United States-Mexico, and the Financial Sector and Monetary Policy Analysis Division. These leadership roles involved direct domestic and international collaboration with many other policy institutions and with financial sector participants and regulators. Marianne frequently represented the Bank of Canada on international committees tasked with various global economic and financial analysis projects (including the Bank of International Settlements and the Organization for Economic Co-operation and Development) and spent a number of months as Visiting Scholar at the International Monetary Fund.

As a result, Marianne has considerable expertise in forecasting, model development, and analysis of macro-economic and financial sector market and policy issues, as well as in managing teams of economists conducting similar work. Much of the advice provided through this time was based on forward-looking analysis, and included model-based and data-driven forecasting, risk identification, and evaluation. As a result, Marianne has demonstrated success in conducting and presenting analysis and research in Canadian and international forums and has collaborated on a wide range of published papers.

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 brings leadership experience from the business, non-profit and government sectors to Alterna. Ken has served on Alterna Savings’ Board of Directors since 2012 and Alterna Bank’s Board of Directors since 2013. Currently an Assistant Deputy Minister with the Ontario Ministry of Tourism, Culture and Sport, Ken’s previous roles in government include Chief of Staff to Ontario's Minister of Natural Resources, Senior Advisor in the office of the Mayor of London (UK), Assistant Director with the British Department for Business, and Director of Policy and Legislative Affairs for Ontario's Minister of Health. 

In the private sector, Ken was Public Affairs Director at Vertex Pharmaceuticals Incorporated where he led government affairs, community relations and communications for the company’s Canadian business unit. Ken also worked in the non-profit sector where he was Vice President of Advocacy, Research and Healthcare at Cystic Fibrosis Canada, one of the country’s leading health charities. Earlier in his career, Ken served as a police officer with the Peel Regional Police.

Ken is Chair of Sherbourne Health Centre’s Board of Directors and has previously served on University of Toronto’s Academic Board, North York General Hospital’s Board of Governors and the City of Toronto’s Licensing Tribunal. Following the 2014 local elections, Ken was on Toronto Mayor John Tory’s Transition Advisory Council and Brampton Mayor Linda Jeffrey’s Transition Team. Ken has completed the Directors Education Program at the University of Toronto's Rotman School of Management and holds the ICD.D designation from the Institute of Corporate Directors.

Marilyn Conway Jones

Marilyn is a Director of the Alterna Savings Board. She is a lawyer and has practised in Bolton, in the Town of Caledon, for many years.  Born and raised in Toronto, Marilyn attended the University of Toronto, earning a B.A. with a specialist in Philosophy.  Marilyn worked in the accounting field prior to her graduation from Osgoode Hall Law School and, after being called to the bar, worked for a time in the tax department of Ward Mallette, Chartered Accountants, part of the BDO group.  Marilyn returned to her own general law practice in Bolton, where her husband has spent his career as a teacher and where she has lived for some time, raising twin daughters.  She joined the credit union and different community groups in Bolton, also spending time in the Districts of Parry Sound and Muskoka, where she helps support the swimming programme run by the Dunchurch Lions Club. 

Marilyn served for ten years as a director on the board of the Caledon Parent Child Centre and for several years was a member of the Bolton branch of BNI, a local business group.  She has done pro bono work for the local chapter of Abbeyfield, a charitable organization involved in innovative housing for seniors who wish to continue to live in their communities.

As well taking courses in board development and corporate governance, Marilyn has taken training with lawyers and social workers in general and in family law mediation.  She has worked with diverse clients, meeting the legal commercial and corporate needs of small and medium sized businesses, non-profit organizations, and delivering legal services to individuals in the areas of real estate, and wills and estate planning, including families whose members have special needs.

Bianca Garofalo

Restaurant owner and operator, Bianca Garofalo has been involved in the business community in Thunder Bay for over 10 years. Starting her first successful business at the age of 31, Bianca exhibits all the definitive characteristics of an entrepreneur. By the time she was in her early 30ʼs, she had already taken a leap of faith by entering into the highly risky and competitive restaurant business. Biancaʼs incredible personal drive would lead her to continually look for opportunities for expansion, relocation and new business ventures which might progress her business career. In 2012, with her proven track record in the restaurant industry, Bianca embarked on the groundbreaking development at Thunder Bayʼs Prince Arthurʼs Landing, Marina Park. Bight Restaurant & Bar opened its doors in December of 2012 to an enthusiast market and has seen continued success ever since, having been awarded the New Business Excellence Award in 2015 by the Thunder Bay Chamber of Commerce. As well, Bight has received countless other accolades and has been featured in several tourism magazines & travel publications such as Porter Airlineʼs “Billy”.

In November of 2014, Bianca acquired Giorg Ristorante, a Thunder Bay “landmark”, fine-dining Italian restaurant which had been in business for over 26 years. With careful thought, Bianca & her business partner renovated, rebranded & rebuild the businessʼ reputation as Giorg Cucina é Barra, now with two years of successful operation under this new ownership. Expansion plans are on the horizon again, as Bianca is currently working on the third restaurant, scheduled to open in November of 2016.

As well as being extremely personally motivated, Bianca has always exhibited a strong understanding of her businessʼ financial position as well as her market. Her business philosophy involves extensive tourism partnerships and support of local farms & suppliers, which in turn has a direct economic impact on her community. These businesses are also responsible for the creation of over 80 new jobs, with the expansion of more job opportunities when her third restaurant opens later this year.

For these efforts, Bianca was awarded Young Entrepreneur of the Year award at the Influential Women of Northern Ontario Awards in 2013. She also provides mentoring to the participants in the   Canadian   Youth   Business   Foundation,   which   supports   young entrepreneurs looking to start their own business.

Andy Cragg

Andy Cragg

Andy Cragg works as the Manager of Knowledge Exchange for the Canadian Partnership for Women and Children’s Health, a network of Canadian organizations working internationally to empower and improve the lives of all women, children and adolescents.  Andy was a member of the Board of Directors of the Peterborough Community Credit Union (PCCU) and helped to negotiate its merger with Alterna Savings in 2016.  Andy is the Chair of the Peterborough Immigration Partnership, a community-based organization that brings together a broad cross-section of individuals and organizations working to ensure meaningful integration in a welcoming community.  Having worked as a professional 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 also served as Vice President of a labour union, where he led the overhaul and codification of operational and governance procedures and negotiated collective agreements on behalf of members.  Andy also co-founded a local food buying club through the Ontario Natural Food Cooperative and coordinates collective orders for the group.

Andy has worked in the government, not-for-profit, and post-secondary sectors, and has worked as a paid facilitator for various organizations aiding in the creation of strategic plans.  He has a Master of Arts degree from Trent University, in Canadian Studies and Indigenous Studies, where he wrote his thesis on Canadian immigration policy.  As well, Andy has a Bachelor of Arts degree in Philosophy and Political Science from Dalhousie University.  Andy is passionate about life-long learning and has recently taken courses in human resources management and accounting, and has 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