Meet the People Behind Your Financial Success

What sets Sarah apart is her ability to translate complex credit algorithms into everyday language. She started her career at TD Bank in 2013, where she quickly became known for her thorough credit assessments and client education approach. By 2018, she was leading a team of analysts at RBC, developing new frameworks for credit risk evaluation that are still used today. Sarah holds a Master's degree in Financial Economics from the University of Toronto and is a certified Credit Risk Professional (CRP). She's particularly passionate about helping newcomers to Canada understand the unique aspects of building credit in the Canadian system. Her weekend workshops have helped over 500 families establish their first credit profiles successfully.

Emily's background in education gives her a unique perspective on how people learn about money. She spent eight years teaching mathematics before transitioning to financial counseling in 2017. Her teaching experience helps her break down complex financial concepts into digestible lessons that stick with clients long after their sessions end. She's a certified Financial Counselor Canada (FCC) and holds additional certifications in debt management and financial coaching. Emily has developed educational programs that have been adopted by three major credit unions across British Columbia. Her approach combines practical budgeting techniques with behavioral psychology to help clients build lasting financial habits. What Emily finds most rewarding is working with young adults who are just starting their financial journey. She's created a popular workshop series called "Credit 101" that runs monthly at community centers throughout the Lower Mainland. Over 800 participants have attended her workshops since 2019.

Before joining deltarionovaos, Michael spent six years developing fintech solutions at Vancouver-based startups. His experience includes building credit monitoring systems, payment processing platforms, and financial analytics tools. He has a unique understanding of how credit data flows through different systems and can spot inconsistencies that others might miss. Michael holds a Bachelor's degree in Computer Science from UBC and a Graduate Certificate in Financial Technology from BCIT. He's particularly skilled at explaining technical concepts in plain language, which makes him invaluable when clients need to understand how credit scoring actually works behind the scenes. His current focus is on developing tools that help people track their credit improvement over time. Michael believes that showing progress in visual, easy-to-understand ways motivates people to stick with their financial goals. He's working on a system that will launch in late 2025 to help deltarionovaos clients monitor their credit journey more effectively.