Karine is a seasoned industry professional with over 15 years of solid industry experience. After beginning her career in the finance departments of Avon Products and Kraft Foods, she held Senior Management positions at three major Canadian Banks – Royal Bank of Canada , Bank of Nova Scotia, and Bank of Montreal. Her career has spanned many functional areas including accounting, finance, capital markets, project management, re-engineering, and strategic management. She has performed consulting work, developed financial courses, and trained thousands of professionals from a wide variety of industries. In addition to her corporate training activities, Karine has been teaching undergraduate and MBA courses at several leading universities which include University of Toronto, Concordia University, and Ryerson University. She is a highly acclaimed industry expert, has presented at national industry conferences, and has been facilitating seminars for the Society of Management Accountants for the past 10 years. She helped develop and mark professional accounting exams for the Society of Management Accountants. She also trains bankers throughout Canada and the US for the North American Risk Management Association on financial statement analysis, cash flow, and credit risk assessment. Karine has an MBA from McGill University, a CMA, and a US CPA.