RH_LinkedINRubina Havlin

Former CEO, Bank of America, Canada Bank

 Inspiring Leader and Business Builder

An experienced C.E.O and Director with a proven track record of creating profit and shareholder value by maximizing resources, strong P&L management, streamlining processes and budgets while building organizational capacity. With over 20 years in financial services Rubina has managed multi-billion dollar portfolios, repositioned businesses onto sustainable growth trajectories and guided complex regulatory relationships at premier global financial institutions. Acknowledged for developing and championing market-focused business transformation strategies based on in-depth customer and financial analysis.Fluent in English & French.

SKILLS & Expertise

Governance and Risk

  • Seasoned Director advising on governance, enterprise risk management, compensation, board structure and evaluations
  • Significant experience in managing credit risk, systemic risk, underwriting and lending.
  • Deep knowledge in risk portfolio analytics

Regulatory compliance and Government Relations 

  • Deep technical expertise in Dodd Frank, FACTA, Basel 111, ICAAP, AML and CDIC.
  • Created value through complying with regulations and managing relationships with CDN ad US regulators and government officials

 Industry Knowledge

  • Banking
  • Consumer & Commercial financial services
  • Information Technology
  • Transaction- based businesses

Driving Growth

  • Strong P&L management and oversight
  • Transformed strategy, product suite and talent resulting in a tripling of their profits of the multi-billion dollar portfolio.
  • Led M&A activity across financial institutions, Fin Tech, Oil & Gas and retail industries.
  • Recognized for doubling asset base, increasing net income by 30%, divesture of large lending assets and expanding market share.

Operational Excellence and Leadership

  • Spearheaded risk-based technology large-scale initiatives resulting in operational efficiency and strengthened profitability.
  • Led retail banking products, lending, white label banking platform, data analytics, sales, product and marketing business lines for global financial institutions.
  • Acknowledged expert in transaction-based businesses across banking, processors and technology solution environments.

Professional Experience

Bank of America, BofA Canada             2012-2013                      


Havlin Consulting Group                          2010-2012

Partner, Financial Services

Scotiabank                                                   2007-2010

Managing Director, Head of credit cards

National Bank of Canada                       1999-2006

Vice-President, Payments & White label Bank


Board Member, Province of Ontario, Ontario Medal of Good Citizenship,             2010 – Present

CEO and Director, Bank of America, BofA Canada Bank                                            2012 – 2013

Board Member, ViSA Canada             2007 – 2010

Vice-Chair, Canadian CHIP Council   2003 – 2006

Board Member, MasterCard Canada  1999- 2006

Board Member, Interac Association   1999– 2006


Bachelor of Commerce (BCom), John Molson School of Business, Concordia University

Queens Executive Development Program

Institute for Corporate Directors, ICD.D