Our dedication to regulatory compliance

EBCFX is built with its integrated Compliance Verification System (CVS) at the core of the software.

Farzana Esmail

Interim Chief Compliance Officer, Chief Anti-Money Laundering Officer and Ombudsman

Ms Esmail brings over 15 years of AML and Compliance to EBC. Prior to joining EBC, she oversaw the Capital Markets AML at BMO for four years, and was involved in several projects with the AML and Risk advisory services with Deloitte for over 12 years within the financial industry segments, including mid and large size banks, in all three lines of defence. In her most recent role at EBC as a Deputy CAMLO, she was responsible for overseeing the AML Program and remediating Regulatory findings.

Ms Esmail holds the Certified Anti-Money Laundering Specialist (CAMS) designation and received a degree in Chemistry and Environment Sciences from McGill University.


Dennis Winkel

Chief Risk Officer, Interim Chief Privacy Officer

Mr. Dennis Winkel is the Chief Risk Officer of EBC and its parent company, CXI. Mr. Winkel has more than 20 years of risk management experience comprising financial and non-financial risk in a variety of cultural and linguistic contexts: Netherlands, Australia, Spain, Japan, and Canada. Mr. Winkel started his career in a Dutch business of ING Group in the Netherlands, followed by roles at the corporate headquarters of ING Group, ING Direct, and ING Direct Australia. Mr. Winkel subsequently worked as market and operational risk manager at ING Direct Treasury in Spain and was the head of financial risk management for over two years in Japan during the start-up of ING Direct Japan. In 2009, he continued his career in Canada at ING Direct in financial risk and enterprise risk management. He moved to Scotiabank in 2013 as Vice President of liquidity and interest rate risk. His responsibilities included the compliance with Liquidity Adequacy Requirements (LAR), BoC Collateral Reporting (H4), and Interest Rate risk of the Banking book (IRRBB). He was the secretary of the Bank ALCO at Scotiabank and the recognition ambassador of the global risk management group in 2017 and 2018.

Mr. Winkel subsequently worked as a market and operational risk manager at ING Direct Treasury in Spain and was the head of financial risk management for over two years in Japan during the startup of ING Direct Japan. In 2009, he continued his career in Canada at ING Direct in financial risk and enterprise risk management. He moved to Scotiabank in 2013 as Vice President of liquidity and interest rate risk. His responsibilities included compliance with Liquidity Adequacy Requirements (LAR), BoC Collateral Reporting (H4), and Interest Rate Risk of the Banking Book (IRRBB). He was the secretary of the Bank ALCO at Scotiabank and recognition ambassador of the global risk management group in 2017 and 2018.

Mr. Winkel has a Master of Financial Economics from the Free University in Amsterdam and is a Certified EFFAS Financial Analyst (“RBA”). He is a member of the Canadian Asset and Liability Management Association (CALMA), and the North American Asset and Liability Management Association (NALMA). He has been teaching a banking simulation course at the Advanced Risk Management Program of Wharton University / RMA since 2011.