Flagship Conference on
REGULATORY COMPLIANCE for
Financial Institutions
November 19–20, 2024
One King West Hotel
Toronto, ON
Mastering Regulatory Change: Canada’s Complete Guide to Compliance Excellence
CONFERENCE CO-CHAIRS:
Denise T. Carson, CFE, ACAMS, CPA, CMA Chief Compliance Officer
BMO Global Asset Management Legal, Regulatory Compliance & Procurement
BMO Financial Group
Dwayne King AML Compliance Officer WFCU Credit Union
KEYNOTE ADDRESSES:
Tolga Yalkin Assistant Superintendent, Regulatory Response Sector Office of the Superintendent of Financial Institutions (OSFI)
Supriya Syal, Ph.D. Deputy Commissioner, Research, Policy and Education Financial Consumer Agency of Canada (FCAC)
Office of the Superintendent of Financial Institutions (OSFI)
Ontario Ministry of the Attorney General Toronto Police Service
PROGRAM HIGHLIGHTS FOR 2024:
and Credit Union
BMO Financial Group
Canadian Western Bank
Cash App & Afterpay
Tackling Foreign Interference: Navigating New Regulatory Expectations for Integrity and Security
Implementing Open Banking: Ensuring a Robust Customer-Driven Framework
Artificial Intelligence: Crafting a Governance Framework and Exploring Practical AI Use Cases
Payments Regulation and Law: Preparing for Retail Payment Activities Regulations (RPAR) for Payment Service Providers (PSPs) in Canada
Cybersecurity and Data Privacy: Managing Incident Reporting Under OSFI’s Guideline B-13
COME CELEBRATE OUR 30 th
Anniversary!
Don't miss this rare opportunity to engage with the best in the field and commemorate three decades of excellence in regulatory compliance.
VENDOR SHOWCASE
FAQ When to Hire a Forensic Accountant or Consulting Firm
ETHICS FOCUS Breaking Up with Your Financial Services
INDUSTRY BENCHMARKING ROUNDTABLE
Mastering Third-Party Risk: Assessing Inherent Money Laundering and Terrorist Financing Threats
Early Riser Interactive Roundtable Discussions
30th Anniversary Champagne Toast and Sponsored Networking Cocktail Reception
OSFI has intensified its focus on liquidity risk management, cybersecurity, and integrity and security risks, underlining the critical need for robust compliance strategies.
Financial institutions in Canada are bracing for an onslaught of new regulations and compliance demands. Major developments in AI, cybersecurity, privacy, open banking, third-party risk, and anti-money laundering are setting new expectations for compliance professionals. As the regulatory landscape shifts, the challenge lies in understanding how enforcement will unfold and how teams can effectively meet these new demands amid regulatory uncertainty.
Join us in celebrating the 30th Anniversary of the Canadian Institute’s Flagship Conference on Regulatory Compliance for Financial Institutions on November 19 and 20, 2024. This landmark event brings together prominent regulators and industry leaders to explore strategies for mitigating risks and ensuring current and impending regulatory standards are met.
Missing this event means falling behind on critical regulatory updates and best practices. Join top compliance, risk, and AML professionals as they share practical solutions and essential tools to keep your organization ahead of regulatory challenges.
Desiree Finhert Senior Conference Producer Canadian Institute
WHO
YOU WILL MEET
ç Chief Compliance Officers (CCOs)
ç Chief Risk Officers (CRO)
ç Chief Anti-Money Laundering Officers (CAMLOs)
ç Regulatory Delivery Officers
ç VPs and Heads of Compliance
ç Heads of Legal and Compliance, and other compliance officers and compliance professionals from Financial Institutions
ç Privacy, Operations and Risk professionals with a focus on enterprise risk management
ç Insurance professionals
ç In-house counsel from Financial Institutions
ç Internal Auditors
AGENDA-AT-A-GLANCE
Main Conference Day 1 | November 19, 2024
8:00 Networking Breakfast and Registration
9:00 Opening Remarks from the Co-Chairs
9:15 KEYNOTE ADDRESS: Focus on Non-Financial Risk
9:45 Tackling Foreign Interference: Navigating New Regulatory Expectations for Integrity and Security
10:15 Networking Break
10:30 FCAC KEYNOTE ADDRESS
10:45 Implementing Open Banking: Ensuring a Robust Customer-Driven Framework
11:30 Practical Applications for Navigating Incoming Privacy Legislation
12:30 Networking Luncheon
2:00 Payments Regulation and Law: Preparing for Retail Payment Activities Regulations (RPAR) for Payment Service Providers (PSPs) in Canada
2:45 Networking Break
3:00 ETHICS FOCUS Breaking Up with Your Financial Services
4:00 INDUSTRY BENCHMARKING ROUNDTABLE Mastering Third-Party Risk: Assessing Inherent Money Laundering and Terrorist Financing Threats
4:45 30th Anniversary Champagne Toast and Sponsored Networking Cocktail Reception
Main Conference Day 2 | November 20, 2024
7:30 Networking Breakfast and Registration
8:00 Early Riser: Interactive Roundtable Discussions (IN-PERSON ONLY)
8:55 Opening Remarks from the Co-Chairs
9:00 Artificial Intelligence: Crafting a Governance Framework and Exploring Practical AI Use Cases
9:45 Preparing for a FINTRAC Exam
10:45 Networking Break
11:00 Cybersecurity and Data Privacy: Managing Incident Reporting Under OSFI’s Guideline B-13
12:00 VENDOR SHOWCASE FAQ: When to Hire a Forensic Accountant or Consulting Firm
12:45 Networking Luncheon
1:45 Environmental and Social-Related Risks: Building Resilience
2:30 Scoring and Benchmarking Elevating Your Environmental, Social, and Governance (ESG) Performance
3:00 Networking Break
3:15 Follow the Bitcoin: Crypto Regulations, Assets, Investigations and Reporting
4:00 What Happens to Your STR? Working with Investigators and Prosecutors when Filing Suspicious Transaction Reports
4:45 Closing Remarks from the Co-Chairs and Conference Adjourns
Speaker Faculty
CONFERENCE CO-CHAIRS
Denise T. Carson, CFE, ACAMS, CPA, CMA
Chief Compliance Officer
BMO Global Asset Management Legal, Regulatory Compliance & Procurement
BMO Financial Group
Dwayne King AML Compliance Officer WFCU Credit Union
GOVERNMENT SPEAKERS
Asya Boskovic Senior Manager, Financial Institutions Unit FINTRAC
David Coffey Detective, Financial Crimes Unit Toronto Police Service
Joseph Dixon Senior Manager FINTRAC
Sarah Neville Director, Policy Development Canadian Coalition for Good Governance
Jeffrey Simser Barrister and Solicitor, Former Legal Director Ministry of the Attorney General Office of Ontario
Supriya Syal, Ph.D. Deputy Commissioner, Research, Policy and Education Financial Consumer Agency of Canada (FCAC)
Gary Valiquette
Assistant Crown Attorney, Guns and Gangs Task Force Ontario Ministry of the Attorney General
Emiel-Johan van der Velden Head, Depositor Solutions, Insurance and Compliance Canada Deposit Insurance Corporation (CDIC)
Tolga Yalkin
Assistant Superintendent, Regulatory Response Sector Office of the Superintendent of Financial Institutions (OSFI)
INDUSTRY SPEAKERS
Safiya Adenekan Chief Compliance, Officer, Canada Cash App & Afterpay
Sudhanshu Bahadur Head of Technology, Global Asset Management BMO Financial Group
Alana Barnes Director, Digital Canadian Bankers Association (CBA)
Suzanne Blanchard Senior Counsel Manulife
Nick Bray Head of Sales, Americas CUBE
Eric Brock Chief Operating Officer PNC Bank, Canada Branch
Karen Creen CAMLO and Senior Compliance Manager Bank of China, Toronto Branch
Punit Dwivedi
Senior Cyber Security Delivery Consultant CIBC
Nalini Feuilloley Head, Responsible Investment (RI) BMO Global Asset Management
Sara Gelgor, LLB, LLM, MBA, ICD.D, GCB.D Grad. Dipl SRS Senior Director, Reconciliation and Human Rights RBC
Delaney Greig Director, Investor Stewardship University Pension Plan
Theo Ikonomou Chief Compliance Officer KEB Hana Bank Canada
Dr. Jianjian Jin, PhD Associate Director, Quantitative Research University Pension Plan
Jessica Kim Director, Third Party Risk Management Sun Life
Wendy Morgan Director, Enforcement, Retail Payments Supervision Bank of Canada
Sarah Morris Lang Manager, Social Equality Initiatives, Responsible Investment BMO Global Asset Management
Asad Rauf Senior Vice President SBI Canada Bank
Katherine Ruta Chief Compliance Officer Equitable Bank
Ruzanna Shatiryan
Deputy Chief Compliance Officer Alterna Savings Bank and Credit Union
Jared Siddle
Director of Risk, North America Protecht Group
Nancy Sullivan Founder Islington Consultants Inc.
Kuno Tucker
Chief Compliance Officer Manulife Wealth
Mario Alejandro Matiz Zambrano
Global Incident Responder, Cyber Problems and Operations Reporting Scotiabank
DISTINGUISHED SPEAKING FACULTY
Imran Ahmad Partner, Canadian Head of Technology and Canadian Co-Head of Cybersecurity and Data Privacy
Norton Rose Fulbright Canada LLP
Stephen Cheeseman Head, Legal and Compliance Illustrate Inc.
Vladimir Shatiryan Partner Blakes
Denise T. Carson, CFE, ACAMS, CPA, CMA Chief Compliance Officer BMO
Assistant Superintendent, Regulatory Response Sector Office of
Regulatory Expectations for Integrity and Security
In January 2024, the Office of the Superintendent of Financial Institutions (OSFI) released the Integrity and Security Guideline. This guideline outlines amplified expectations for managing risks related to foreign interference, undue influence, and both physical and electronic threats — ensuring robust security and compliance across institutions. Topics of discussion will include:
• Assessing compliance and mitigating risk per OSFI guidelines
• Overseeing institutions’ adherence and identifying foreign interference
• Ensuring responsible leadership and protecting against threats
• Mitigating undue influence and managing operational and cyber risks
• Detecting red flags and optimizing risk management practices
Theo Ikonomou Chief Compliance Officer KEB Hana Bank Canada
Katherine Ruta Chief Compliance Officer Equitable Bank
Vladimir Shatiryan Partner Blakes
10:45 Implementing Open Banking: Ensuring a Robust Customer-Driven Framework
This session will explore upcoming guidance and developments in the Consumer-Driven Banking Framework, with new legislation expected in the fall of 2024. Topics of discussion will include:
• Ensuring secure access for customers to share their financial data with financial service providers
• Protecting Canadians and the financial system from risky practices like screen-scraping
• Holding parties at fault for any damages or data breaches accountable and liable
• Enhancing focus on consumer protection frameworks and effective complaint handling mechanisms
• Implementing governance oversight and management of the framework
• Safeguarding the integrity and national security of the framework
Alana Barnes Director, Digital Canadian Bankers Association (CBA)
Suzanne Blanchard Senior Counsel Manulife
• Establishing, maintaining and overseeing of technical standards flow of data between Canadians and the financial tools
11:30 Practical Applications for Navigating Incoming Privacy Legislation
Join this session to hear from experts on Bill C-27, the proposed amendments to the Artificial Intelligence and Data Act (AIDA), set to become law by 2025. Explore how Bill C-27 will reshape existing laws, including PIPEDA and the Consumer Privacy Protection Act (CPPA), and what these changes mean for data privacy and AI governance. Topics of discussion will include:
• Predicting how Canada’s privacy protection regime meets the “Adequacy” test with the European Commission and what could happen if we lose this status
» A look at the broad adoption of AI/ML across regulated institutions
» The latest developments in future legislation – the Artificial Intelligence and Data Act (AIDA) – Bill C27
» Understanding the new legal framework
» OSFI's approach to model risk guidance, including AI
» How are FIs applying AI and ML to their business processes?
12:30 Networking Luncheon
2:00 Payments Regulation and Law:
Prepare for the new RPAR in Canada by arming Payment Service Providers (PSPs) with critical insights and strategies to ensure full compliance with the latest regulatory requirements, facilitating smooth adoption and continued success in the dynamic payments sector. Topics of discussion will include:
• Enabling faster, more efficient transactions under an updated payments system and regulatory framework
• Preventing fraud and boosting transaction oversight and security through real-time payments
• Anticipating changes from the proposed Retail Payment Activities Regulations under the Retail Payment Activities Act, and their effect on payment service providers
Sudhanshu Bahadur Head of Technology, Global Asset Management BMO Financial Group
Nick Bray Head of Sales, Americas CUBE
Stephen Cheeseman Head, Legal and Compliance Illustrate Inc.
Ruzanna Shatiryan Deputy Chief Compliance Officer Alterna Savings Bank and Credit Union
Wendy Morgan Director, Enforcement, Retail Payments Supervision Bank of Canada
Emiel-Johan van der Velden Head, Depositor Solutions, Insurance and Compliance Canada Deposit Insurance Corporation (CDIC)
• Predicting how the changes will foster increased competition and innovation in the financial services sector
2:45 Networking Break
3:00 ETHICS FOCUS
Breaking Up with Your Financial Services
Join this session as industry leaders address the complexities and best practices of terminating client relationships while maintaining regulatory compliance, risk management, and other ethical considerations. Topics of discussion will include:
• Ensuring institutions understand their obligations
• Ramifications of severing a business partnership
• Navigating ethical implications with greater confidence and clarity
Safiya Adenekan Chief Compliance, Officer, Canada Cash App & Afterpay
4:00 INDUSTRY
BENCHMARKING ROUNDTABLE
Mastering Third-Party Risk: Assessing Inherent Money Laundering and Terrorist Financing Threats
Join industry leaders to benchmark best practices for mitigating third-party risks. This roundtable will discuss evaluating and managing inherent threats of money laundering and terrorist financing, providing actionable insights to strengthen your compliance and risk management strategies. Topics of discussion will include:
• Clarifying and meeting the risk assessment criteria
• Updating existing arrangements made before May 1, 2024, or at the earliest appropriate contract renewal, to meet the expectations of the Guideline
Jessica Kim Director, Third Party Risk Management Sun Life
Karen Creen CAMLO and Senior Compliance Manager Bank of China, Toronto Branch
Eric Brock Chief Operating Officer PNC Bank, Canada Branch
4:45 30th Anniversary Champagne Toast and Sponsored Networking Cocktail Reception
Legal Accreditation
EARN CPD CREDITS
This program can be applied towards 4.5 hours of Substantive Credits and an additional 4 hours of Professionalism credits of annual Continuing Professional Development (CPD) required by the Law Society of Upper Canada.
Members of the Law Society of Saskatchewan seeking accreditation for an out of province activity are requested to submit the CPD Activity Application Form and agenda directly to the LSS for approval. The form is available on the LSS Website.
The same number of hours may be applied toward your continuing legal education requirements in British Columbia.
The Barreau du Quebec automatically recognizes the same number of hours for this training activity, the latter having been accredited by another Law Society subject to MCLE.
Attendance at this program by members of the Law Society of Alberta may be submitted to the Law Society for Continuing Professional Development credits.
Day
Two | November 20, 2024
7:30 Networking Breakfast and Registration
8:00 Early Riser: Interactive Roundtable Discussions (IN-PERSON ONLY)
New for CI’s 30th Anniversary! Join smaller group discussions designed to facilitate the exchange of experiences and lessons learned in the FI compliance sector. Facilitators will guide conversations to uncover the latest best practices. Choose your preferred table topic and feel free to move between discussions for a comprehensive learning and networking experience!
Table One: Fostering a Culture of Compliance and Behaviour
• Anticipating OSFI’s Culture and Conduct Guidelines
• Ensuring whistleblower programs are supported
• Overcoming organizational challenges
• Promoting compliance best practices
Table Two: Strengthening Your Customer Complaints Handling Process
Denise T. Carson, CFE, ACAMS, CPA, CMA
Chief Compliance Officer
BMO Global Asset Management
Legal, Regulatory Compliance & Procurement
BMO Financial Group
Nancy Sullivan Founder
Islington Consultants Inc.
Mario Alejandro Matiz Zambrano
Global Incident Responder, Cyber Problems and Operations Reporting
Scotiabank
The Financial Consumer Protection Framework (FCPF) under the Bank Act offers important and evolving protections to customers of banking services.
• Resolving complaints within 56 days
• Ensuring whistleblower programs are supported
• Providing an appeal process for complaints
• Regularly communicating the existence and effectiveness of your whistleblowing program to employees, stakeholders, and the public
Table Three: Enhancing Cybersecurity and Data Privacy Measures
• Implementing OSFI’s Guideline B-13
• Preparing for the impact of Bill C-27
• Strengthening cybersecurity frameworks and incident response plans
Discover the transformative power of the AI Act, the world’s first comprehensive AI legislation, provisionally agreed upon by European institutions in December 2023. This session will explore how this groundbreaking law can guide and enhance AI implementation in Canada’s financial sector. Topics of discussion will include:
• Defining AI and Machine Learning and their alignment across sectors and nations
• Assessing AI risks to determine which systems require stringent governance
• Exploring the regulatory potential within Canada’s financial sector
• Ensuring robust governance, compliance, and innovation within the industry
Kuno Tucker
Punit Dwivedi Senior Cyber Security Delivery Consultant
9:45 Preparing for a FINTRAC Exam
Hear directly from regulators and representatives who have navigated a FINTRAC exam, while diving into the critical — and often unexpected — steps taken to identify, communicate, and enhance compliance standards. Gain practical insights from real-world experiences to ensure your organization is fully prepared and compliant, avoiding penalties and improving your AML framework. Topics of discussion will include:
• Preparing for examinations and where financial institutions should put emphasis
• Exploring how FINTRAC is evolving with examining entities
• Examining what an audit can reveal about your organization and where improvements can be made observations from their regulatory examinations
• Identifying key risk areas, where are the most risks, the most deficiencies
• Anticipating what questions FINTRAC can ask and what is an overreach
10:45 Networking Break
Cybercrime is increasing unabated. Join this panel as speakers discuss OSFI’s final Guideline B-13 — Technology and Cyber Risk Management, which became effective in January 2024. Topics of discussion will include:
• Preparing for the impact of Bill C-26, an Act respecting cybersecurity, amending the Telecommunications Act, and making consequential amendments to other Acts
• Meeting the expectations for OSFI’s final Guideline B-13 — Technology and Cyber Risk Management, including:
» Corporate Governance Guidelines
» Operational Risk Management
» Third-Party Risk Management
» Technology and Cybersecurity Incident Reporting Advisory
» Cybersecurity Self-Assessment Tool
When to Hire a Forensic Accountant or Consulting Firm
Discover expert insights on the most frequently asked questions when engaging forensic accountants and consulting firms. Learn the critical moments to seek professional help and the risks of waiting too long. Join industry leaders in this interactive session as they share proven tips on timing and maximizing the benefits of these essential services. 12:45
Asya Boskovic Senior Manager, Financial Institutions Unit
FINTRAC
Joseph Dixon Senior Manager
FINTRAC
Dwayne King
AML Compliance Officer
WFCU Credit Union
Asad Rauf Senior Vice President
SBI Canada Bank
Imran Ahmad Partner, Canadian Head of Technology and Canadian Co-Head of Cybersecurity and Data Privacy
Norton Rose Fulbright Canada LLP
David Coffey Detective, Financial Crimes Unit
Toronto Police Service
Moderated by:
Dwayne King
AML Compliance Officer
WFCU Credit Union
1:45 Environmental and Social-Related Risks: Building Resilience
Federally regulated financial institutions face growing regulatory, legal, and stakeholder expectations to prevent, mitigate and remediate adverse environmental and social impacts associated with their business activities.
The panel presentation will focus on human rights impacts and will provide an overview of the rising expectations from employees and shareholders and the foundation for human rights risks in international human rights law, including an introduction to the frameworks businesses can use to understand their relationship to impacts, obligations for identifying and addressing human rights risks and impacts in their own operations and value chains, how to prioritize efforts, and conduct due diligence. The panelists will share insights gained from experience leading human rights programs at financial institutions.
2:30 Scoring and Benchmarking
Sara Gelgor, LLB, LLM, MBA, ICD.D, GCB.D Grad. Dipl SRS
Senior Director, Reconciliation and Human Rights RBC
Sarah Morris Lang Manager, Social Equality Initiatives, Responsible Investment BMO Global Asset Management
Elevating Your Environmental, Social, and Governance (ESG) Performance
The focus on ESG disclosures is intensifying, with financial institutions now expected to integrate and report on ESG risks. Upcoming mandatory disclosure requirements are crucial. In this session, topics of discussion will include:
• Exploring the CSA Corporate Diversity Reporting Rule (2020) and its impact
• Aligning with regulations and conducting material assessments
» Collecting and reporting ESG data
• Learning from CSA’s ESG Reporting and Disclosure guidelines
• Assessing S-211’s impact on forced labor and child labor reporting
• Navigating CSA’s requirements for investment funds
3:00 Networking Break
Nalini Feuilloley Head, Responsible Investment (RI) BMO Global Asset Management
Delaney Greig Director, Investor Stewardship University Pension Plan
Sarah Neville Director, Policy Development
Canadian Coalition for Good Governance
3:15 Follow the Bitcoin: Crypto Regulations, Assets, Investigations and Reporting
In May 2023, the Canadian government issued a series of new guidelines for cryptocurrency exchanges, including investor limits and mandatory registrations. Further to the joint statement released by Canada and other participating jurisdictions in November 2023, Budget 2024 proposes to implement the framework of the Organisation for Economic Co-Operation and Development (OECD) for the automatic exchange of tax information relating to crypto-asset transactions, referred to as the Crypto-Asset Reporting Framework (“CARF”), in Canada. In this session, topics of discussion will include:
• Discussing tools and techniques to investigate and interdict crypto assets
Jeffrey Simser
Barrister and Solicitor, Former Legal Director Ministry of the Attorney General Office of Ontario
• Exploring how reporting expectations are changing under the amendments to the Common Reporting Standard
• Determining how non-compliant companies will face potential enforcement action
• Reconciling when taxpayers engage in tax-relevant transactions, holds, or Relevant Crypto-Assets, as the CRS does not have adequate visibility
• Ensuring consistent domestic and international application and effective implementation of the CARF
4:00 What Happens to Your STR? Working with Investigators and Prosecutors when Filing Suspicious Transaction Reports
Discover what happens when a bank files a Suspicious Transaction Report. Where does it go? Who sees it? What happens next, and where are the gaps? Topics of discussion will include:
• Calculating reporting trends, including how many reports are filed, whether the report was warranted, and whether it was well-constructed
• Determining what is reasonable grounds and what does it look like in a financial crime context
• Examining the structure of an STR and how to comply the data requirements
• Exploring when there are, or are not actionable results from an STR, regulator or criminal
• Debating the possibility of joint reporting by different financial institutions
• Disclosure expectations to other financial institutions
• Comparing reporting statistics and practices with international regimes
4:45
Asad Rauf Senior Vice President
SBI Canada Bank
Gary Valiquette
Assistant Crown Attorney, Guns and Gangs Task Force
Ontario Ministry of the Attorney General
Closing Remarks from the Co-Chairs and Conference Adjourns
Global Sponsorship Opportunities
With conferences in the United States, Canada, Latin America and Europe, the C5 Group of Companies: American Conference Institute, Canadian Institute, and C5 Group, provides a diverse portfolio of conferences, events and roundtables devoted to providing business intelligence to senior decision makers responding to challenges around the world.
Don’t miss the opportunity to maximize participation or showcase your organization’s services and talent. For more information please contact us at: SponsorInfo@CanadianInstitute.com
Upcoming Events
February 26–27, 2025
April 2025
June 2025
Can’t Attend In-Person?
Attend the livestream from the comfort of your home or office.
Immerse yourself in live presentations, panel discussions, specialized breakout sessions and networking opportunities.
Engage in meaningful dialogue with attendees and speakers in an interactive format.
Expand your network to a global audience.
Meet 1-on-1 with attendees you select and exchange contact information for lasting connections and true engagement.
Visit solution providers and learn about the latest technologies, services and products.
The C5 Group, comprising American Conference Institute, the Canadian Institute and C5 in Europe, is a leading global events and business intelligence company.
For over 40 years, C5 Group has provided the opportunities that bring together business leaders, professionals and international experts from around the world to learn, meet, network and make the contacts that create the opportunities. Our conferences and related products connect the power of people with the power of information, a powerful combination for business growth and success.
VENUE INFORMATION
ACCOMMODATIONS
The Canadian Institute is pleased to offer our delegates a limited number of hotel rooms at a negotiated rate. To take advantage of these rates, please contact the hotel directly and quote “CI’s Regulatory Compliance”.
Please note that the guest room block cut-off date is November 3, 2024 After that date OR when the room block fills, guestroom availability and rate can no longer be guaranteed.
Book with Confidence!
Register and pay to lock in your early rate and be eligible for a full refund until November 8, 2024
If you are unable to attend for any reason, you will have the following options:
y A full credit note for you, or a colleague to attend another event.
y A full refund.
All cancellations and changes must be submitted to CustomerService@CanadianInstitute.com by November 8, 2024