We are defined by our people and we’ve attracted some of the best in the business. Each member of our team has exceptional knowledge and unique experience, which is shared among their colleagues, at speaking engagements and most importantly with our clients.
Director, Lender Insurance Services
Chief Executive Officer
Risk Analyst, Lender Insurance Services
Manager, Lender Insurance Services
Sr. Risk Analyst, Risk & Insurance Services
Managing Director, Risk & Insurance Services
Senior Vice President
Risk Management Consultant, Lender Insurance Services
Manager, Lender Insurance Services
Junior Risk Analyst, Lender Insurance Services
Risk Analyst, Risk & Insurance Services
Director, Risk & Insurance Services
Risk Analyst, Lender Insurance Services
Director, Risk & Insurance Services
Ariana Dalie is INTECH Toronto's Director of Lender Insurance Services. She brings to INTECH a deep understanding of the insurance market and the project finance industry, as well as strong relationships across both the insurance and construction industries.
Ariana leads the Lender’s Insurance Services team in Toronto. She is responsible for overseeing all the activities in this division, including the services provided to Lenders involved in commercial mortgages, construction finance, Public-Private Partnerships and Project Finance. She also assists our Risk and Insurance Services department on large construction placements for high-rise office and condo developments.
Prior to joining INTECH, Ariana worked at Aecon Construction Group Inc. as a Senior Manager of project insurance and risk. She was responsible for leading the company’s insurance due diligence and placement activities on all of their P3 bids. Previous to progressing to this role, Ariana was project risk manager and claims and insurance analyst at her former employer.
Ariana began her insurance career over 15 years ago as a claims adjuster and prior to that was a Law Clerk working in Accident Benefits. She has her Canadian Risk Management Designation (CRM) from the University of Toronto and is fluent in both English and Spanish.
Fraser holds a Bachelor of Arts from the University of Toronto, Trinity College, and a Canadian Risk Management (CRM) designation from the University of Toronto’s School of Continuing Studies. He is also a licensed insurance broker through the Registered Insurance Brokers of Ontario and is a member of the Global Risk Management.
Fraser joined INTECH in 2005, after working as an insurance and financial analyst in the Surety and Construction Services Division of Aon Reed Stenhouse. Since then, Fraser has gained considerable experience advising Lenders on insurance matters related to a variety of transaction types, including Commercial Mortgages, Public Private Partnerships, Commercial Mortgage Backed Securities, Mergers and Acquisitions, Construction and Project Finance. He also acts as an outsourced Risk Manager to a number of prominent real estate owners and developers, where he consults on issues such as claims management, broker services, insurance program design, contractual risk transfer and alternative risk financing, among others. More recently, Fraser has also been engaged to advise companies in the Healthcare, Renewable Energy and Education sectors on insurance and risk management issues, where he has helped companies reduce their cost of risk, while also improving their ability to both manage and finance that risk.
In addition to the work he does for clients, Fraser also actively participates in the furthering of risk management education in the financial services and commercial real estate industries, where he regularly speaks at industry events and conducts private seminars for Lenders, Lawyers, Contractors and Developers.
Gordon Tulloch, Risk Analyst of the Lender Insurance Services team, brings to INTECH strong technical knowledge of the commercial insurance market.
Gordon’s international background in commercial insurance are a great addition to our Lender Insurance Services team. He supports senior management in the provision of lender insurance advisory and due diligence services to commercial banking and commercial mortgage clients.
Gordon is responsible for identifying risk exposures inherent in a commercial transaction and designing additional insurance requirements to address the exposures. He also reviews, negotiates and critiques insurance and indemnity provisions in contracts, including leases, construction contracts and other material agreements on behalf of clients.
Prior to joining INTECH, Gordon worked in Scotland, offering both insurance and risk management advice. He worked as an Insurance Administrative Assistant, where he quickly progressed to Risk Analyst.
Gordon holds a BA in Risk Management, a Certificate of Insurance from Chartered Insurance Institute (CII) in the U.K, and is a member of the Board of Certified Safety Professionals.
Heather Chatham, Manager of the Lenders Insurance Services team, brings to INTECH over 25 years of industry experience primarily as a commercial insurance broker.
Heather's technical understanding of commercial insurance programs and the insurance
marketplace are a great asset to INTECH’s Lenders Insurance Services division. She provides insurance due diligence and advisory services to commercial banking clients in both Canada and the United States. Heather is responsible for managing large lender accounts. Heather reviews and negotiates contractual insurance requirements, evaluates the borrower’s insurance programs and identifies gaps in coverage to advise clients through commercial mortgage transactions.
Prior to joining INTECH, Heather worked at Thistle Underwriting, a division of JLT, as Team Lead for Commercial Property and Casualty business. Prior to that, Heather worked for over 12 years at Jones Brown where she managed the commercial portfolio in a management position with 4 Commercial Account Managers which included US and Canadian business. Heather was responsible for overseeing the profitability of the department, claims, and retention. Prior to that, Heather held Commercial Account positions with Stevenson & Hunt, BF Lorenzetti and Sinclair-Cockburn.
Heather is licenced by Registered Insurance Broker of Ontario (RIBO) in Ontario, AIC in Alberta and ICBC in British Columbia. She is currently working towards her Canadian Risk Management (CRM) designation.
Jamie began her insurance career in 2008 after graduating from Ryerson University with an honors degree in Contemporary studies and Globalization with a minor degree in Sociology. Jamie is a licensed Insurance Broker under the Registered Insurance Brokers of Ontario, and has obtained her Canadian Accredited Insurance Broker (CAIB) designation from the Insurance Brokers Association of Ontario (IBAO).
At INTECH, Jamie is part of the Risk and Insurance Services team. Due to her commercial insurance experience, she manages the day-to-day activities of the risk and insurance programs for Real Estate, Construction and Public Sector clients. She also performs insurance reviews on lender agreements, leases and contracts, as well as coverage analyses on insurance policies and programs.
Prior to joining INTECH in June 2015, Jamie spent the first five years of her career with HUB International as a placement broker focused on mid to large commercial accounts. Jamie also was a member of the claims advocacy team where she assisted in claim settlements and risk analysis. Jamie also worked at Totten Insurance Group in a business development role, and in 2013 she joined Arthur J. Gallagher (Canada) Group as an Account Manager within the U.S/International Brokering Division, where her focus was on the local placement and servicing of large multinational insurance programs.
Janet is a graduate of the University of Western Ontario (BA – Commercial Studies), a member of the Risk Management Consultants of Ontario (RMCO) and holds both the American Risk Management (ARM) and Chartered Insurance Professional (CIP) designations.
She joined INTECH in 2014, bringing with her over 25 years of progressive risk management experience, both in the public and private sectors. Janet is involved in the formation of Risk Management strategies and renewal negotiations for Commercial Real Estate Developers and Investors. She has extensive background in developing comprehensive and cost-effective insurance programs, identification and deployment of proactive risk management techniques (including contractual risk transfer), as well as in the design and integration of Enterprise Risk Management (ERM) and Business Continuity Planning (BCP) programs.
Prior to INTECH, Janet spent ten years with the Greater Toronto Airports Authority, who manage Canada’s largest airport, developing the Owner Controlled Insurance Program (OCIP) placed on the multibillion-infrastructure program, and managing the Corporate Risk department. Janet started her career as an underwriter and broker, and has worked offshore licensing and managing insurance captives for global clients. With a solid foundation in insurance and claims management, Janet has held senior roles with mid-sized to multi-national organizations within the chemical, automotive, construction, aviation and healthcare industries, advocating and integrating effective risk assessment practices into decision making.
Lisa is a graduate of the University of Western Ontario (B.A.). She is licensed by the Registered Insurance Brokers of Ontario and holds a Canadian Risk Management (CRM) designation. Lisa conducts seminars in Canada for INTECH clients on Insurance and Indemnification Clauses in leases and other contracts.
Lisa brings over 30 years of expertise in the Insurance industry to INTECH. Her current consulting focuses on the analysis of insurance clauses in credit agreements and/or trust indentures; lease agreements; construction and/or management contracts; and other material contracts relative to Real Estate transactions. She assists in the drafting of insurance and indemnification language in contracts, review of insurance coverage and policy wordings, special risks analysis (including but not limited to environmental, aviation and nuclear risks) and providing advice and/or consulting services on various general insurance matters. Lisa provides insurance consulting services on behalf of Lenders for various Private Public Partnerships (PPP) projects in Alberta, British Columbia, Ontario and Quebec.
Prior to joining INTECH in 1994, Lisa worked as Assistant Risk Manager and Risk Manager for two major real estate companies based in Toronto. For over 18 years, Lisa’s main focus has been to provide insurance consulting services on behalf of Lenders and Owners/Developers for Canadian and U.S. Real Estate transactions. These included operational and construction risks for vacant land, sports stadiums and power production facilities.
Malcolm has been part of the Insurance & Risk Management industry for over 40 years. He is a licensed Insurance Broker under the Registered Insurance Brokers of Ontario and a member of the Global Risk Management Institute, Inc. Malcolm first obtained a Chartered Insurance Professional (CIP) designation, and subsequently earned his Fellow Chartered Insurance Professional (FCIP). He also has a Canadian Risk Management (CRM) designation.
In 2001 Malcolm joined INTECH bringing significant experience to the areas of property and casualty insurance. Currently, Malcolm provides risk management services and expertise to clients in Canada and The United States. He works primarily with INTECH’s large financial services clients, assisting in the due diligence process of a wide variety of commercial mortgage property types such as office buildings, shopping centers/plazas, multi-unit residential complexes, hotels, industrial & flex buildings.
Malcolm first worked as a Lloyd’s of London Broker and then as a Risk Manager. He transferred from London, England to Toronto, and worked for one of the world’s largest Insurance Broker’s in wholesaling operations. Subsequent to that, from 1998 until 2001, Malcolm worked in Ontario as a Consultant providing Risk Management services to Agricultural-Chemical Manufacturing companies and Manufactured Housing companies in the United States.
Ning holds a B.A. from China Youth University for Political Science and a diploma in Mastery of Business Administration (Certificat d’aptitude à l’administration des entreprises; CAAE-DESS) from IAE Poitier University (France). She is a licensed Insurance Broker under the Registered Insurance Brokers of Ontario, a Chartered Insurance Professional (CIP) and holds a Canadian Risk Management (CRM) designation. Ning speaks English, French, Mandarin and Cantonese and is involved in Chinese Market research, communication and development.
Ning joined INTECH Risk Management as Risk Management Consultant in 2001. She currently performs insurance reviews for a number of large financial institutions and is in charge of evaluating the insurance requirements for financing in order to ensure compliance to lenders’ insurance requirements prior to funding. Ning has developed expertise in Mid-Marketing financing (small, medium, large size loans transaction), CMBS, Conventional and Mezzanine Lending. She also has experience providing insurance services in Construction, Retail and Hotels.
Prior to joining INTECH, Ning worked at Toronto Hydro as a Risk Control Assistant. Her focus was on upgrading pole inspection systems through Visual Basic and Access; pole inspection system database administration; and assisting the Loss Control Supervisor in updating and organizing aspects of Safety Control.
Ryan Brown, Manager of Lender Insurance Services, brings to INTECH detailed technical analysis of insurance wordings, innovative thinking and intimate knowledge of the current insurance market.
Ryan plays an integral role in the Lenders Insurance Services group where he is responsible for researching changes in the insurance market and establishing INTECH standards. He is the lead consultant to over a dozen lending institution across Canada and the United States for financings ranging from small commercial real estate to large infrastructure and Public-Private Partnership projects. Ryan has acted as the insurance advisor on over 200 financings totalling over $1 billion ranging from commercial acquisition to large urban construction financings.
Prior to joining INTECH in July 2015, Ryan worked as a claims adjuster at an independent insurance adjusting firm Crawford & Company, where he gained experience in personal and commercial lines insurance claims. He then moved to KRG Insurance Brokers as a Commercial Marketer and Account Executive, where he was responsible for coverage placement in the marketplace, customized programs, and new client prospecting.
Ryan began his insurance career shortly after graduating from Wilfrid Laurier University in 2011. Ryan is a licensed Insurance Broker under the Registered Insurance Brokers of Ontario (RIBO) and has obtained his Canadian Accredited Insurance Broker (CAIB) designation from the Insurance Brokers Association of Ontario (IBAO) and Chartered Insurance Professional Designation (CIP) from the Insurance Institute of Canada.
Sam Chu, Junior Risk Analyst of Lender Insurance Services division brings to INTECH a comprehensive understanding of the commercial insurance market, with a desire to develop strong technical insurance knowledge.
Sam provides administrative support to INTECH consultants involved in the commercial banking and commercial mortgage industry. He is responsible for the overall processing of new insurance loan review requests received from our commercial banking clients. Sam also assists track certificates of insurance renewals as well as in the issuance of reports.
Prior to joining INTECH, Sam worked at Aon Risk Solutions as an Underwriting Specialist I- Property & Casualty, where he provided critical analysis on incoming risk and analyzed policies for risk exposures, assessing risk appetite and determining risks of insuring clients.
Sam holds a B.Sc., Bachelor of Health Policy & Epidemiology, is a Registered Insurance Broker of Ontario (Level I) and holds his CRM designation. He is currently studying for his Chartered Insurance Professional designation with aspirations to achieve his Master of Business Administration.
Sarah holds a B.A. Hons from the University of Toronto and a MBA from Norwich University. She is a a member of the Risk Management Consultants of Ontario (RMCO) and a member of the Risk and Insurance Management Society where she earned her Canadian Risk Management (CRM) designation, and a member of the Global Risk Management Institute. Sarah is fluent in English and German and is able to work in French. Sarah frequently speaks at a number of educational seminars & conferences for the Real Estate industry such as the Canadian Hotels Conference, First Nations Energy Conference, and seminars for several large banking, infrastructure, property owner and developer clients in North America and Europe. She is also a lecturer in Risk Management at the Technical University of Vienna’s Master’s Program for Real Estate Management.
Sarah joined INTECH in 2001 and has been involved in over 60 Public Private Partnership (PPP) projects including roads, bridges, tunnels, other civil works, hospitals &, schools, courthouses and other major publicly funded projects. Sarah manages INTECH’s Global P3 and Project Finance Practice. She also has extensive experience in energy projects including renewable energy. Sarah also works with clients in Mid-Market Loans (up to €100 million) and Large Loans (over €100 million); CMBS, Conventional and Mezzanine lending and European portfolio lending. She is active in Risk Management for Real Estate portfolios, Commercial Leases, Specialty Risks including Directors and Officers, Environmental Liability and Professional Liabilityand Political Risks. In 2005 Sarah transferred to Vienna, Austria to open INTECH’s European office to deal with the growing business out of the EU, and EEC.
Sarah began her career working for one of the world’s largest Insurance Brokers where she gained significant experience in Commercial Property and Casualty Insurance for multifamily residential and non-profit Real Estate. Sarah also has experience in designing, implementing and managing insurance programs for large property owners / property managers, with a focus on loss control, risk transfer and loss prevention.
Scott Badali, Risk Analyst of the Risk & Insurance Services team, brings to INTECH a solid background in real estate and construction insurance solutions.
Scott’s strong commitment to client services and knowledge in real estate and construction are a great asset to INTECH’s Risk & Insurance Services division. He supports management in providing consulting services and guidance to Construction and Real Estate clients on insurance and risk management matters.
Scott is responsible for reviewing and analyzing insurance policies, proposals and quotes to identify discrepancies, provide explanations, recommendations and prepare reports on the findings. Scott communicates with insurance brokers on a daily basis with respect to the renewal process and ongoing account administration. Moreover, Scott also assist with the development, analysis and responses to Request For Proposals (“RFPs”).
Prior to joining INTECH, Scott worked at Aon Risk Solutions. Scott started as a Process Analyst in Client Support Services, moving to Account Coordinator in the Real Estate division and then to the Construction Services group.
Scott is a licensed insurance broker under the Registered Insurance Brokers of Ontario (RIBO).
Stefan obtained his Ausbildung zun Versicherungsmakler (broker’s license) in Austria, his CRM from the University of Toronto and is a member of the Global Risk Management Institute, Inc. (GRMI). He is fluent in English and German, working with European countries such as Austria, France, Germany, Spain and the United Kingdom. Additionally, Stefan has several years working with North American clients in Canada and the United States.
Mr. Vospernik joined INTECH in 2007 and has experience dealing with financial loans and all types Real Estate transactions, including the construction and operating of office buildings, shopping centers/plazas, multi-family residential complexes and multi-use luxury developments. Stefan is a member of INTECH’s PPP/PFI team and has been involved in many PPP transactions, including hospitals, roads, bridges, tunnels and other Public Financing Projects. He is also an active member in the Risk Management for Real Estate portfolios, Commercial Leases and Specialty Risks.
Tim started his insurance career shortly after obtaining his Bachelor of Applied Science in Business Administration and Economics from the University of Kansas. Tim is a licensed broker in Austria and has held an active broking license in Hong Kong. He is a member of the local chamber of commerce (Wirschaftskammerösterreich) and is involved in several social networks in Vienna including founding the English Speaking Group in the Austrian Alpine Federation,
Tim joined INTECH in 2015, bringing with him over 20 years of commercial client management and broking experience in direct insurance and reinsurance. As part of the Lenders’ Insurance Services team, his role centers on relationship management, client service and business development for this division of INTECH. As a Director of Risk & Insurance Services, Tim focuses on providing INTECH’s wide range of services to clients outside of North America, including the review of contractual insurance requirements between entities involved the loan agreement process; facilitating communication between various stakeholders and suppliers of information; and management of the client facing team based in Austria.
Prior to joining INTECH, Tim was the Head of Co and Reinsurance at Zurich Insurance Company in Vienna. During his time at Zurich, he was responsible for the analysis and implementation of reinsurance treaty detachments as well as the administration and management of reinsurance and coinsurance contracts. He’s also worked as a Client Executive for Aon Jauch & Hübner, an Insurance Specialist at Greco International AG, and as a Client Executive for Marsh Austria GmbH. At Marsh, Tim held the position of Eastern European Coordinator, servicing a large petrochemical group based in the UK prior to relocating to Marsh Hong Kong. While in Hong Kong, he was responsible for retaining and expanding existing client relationships.
Tjaša joined the INTECH Europe team in January 2015 after completing a Bachelor of Arts degree in English from Graz University specializing in English Studies. She is fluent in Slovenian, German and English, with working knowledge in Spanish and Italian. Tjaša recently completed her CII Foundations exams at the Chartered Insurance Institute (CII) in the United Kingdom and is currently working towards her insurance broker license in Austria.
At INTECH, Tjaša is part of the Lenders’ Insurance Advisory team, assisting senior management with the administration of large accounts. Moreover, Tjaša supports senior consultants in the review and negotiation of contracts, including leases and construction agreements on behalf of Real Estate, Construction and P3 clients, including those in the energy and infrastructure sectors. Moreover, Tjaša is responsible for all project administration and coordination which involves meeting all deliverables required by INTECH’s clients.
Tyler Townsend began his insurance career 6 years ago as a Process Analyst at Aon and prior to that was a Supervisor at a major Law Firm in Toronto. He is a Chartered Insurance Professional (CIP) and a Registered Insurance Broker of Ontario (RIBO). Tyler has a Bachelor of Arts Degree from Carleton University, where he specialized in Business Law.
Tyler is INTECH Toronto’s Senior Manager of Risk & Insurance Services. In this role, he will be responsible for the day-to-day management of Risk & Insurance Services (“RIS”) accounts and will assist with special projects including RIS business development initiatives. Tyler brings to INTECH a deep understanding of the Real Estate and Construction insurance market with strong relationships across the insurance industry, a very strong work ethic and engaging personality.
Prior to joining INTECH, Tyler worked at Aon Risk Solutions as an Account Executive within their Strategic Risk Advisory team. He was responsible for the day to day management of key Real Estate and Construction accounts while also responsible for identifying, developing and managing their Risk and Insurance solutions. Previous to this role, Tyler acted as both an Associate Account Executive and Account Coordinator within Aon’s Real Estate Practice.