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Chief Executive Officer

John MacKinlay

John MacKinlay is a senior executive in the financial services arena. He focuses on Fintech, Payments and the Innovative Lending products’ space. John has 25 years of experience in the IT and Financial Services industries as an entrepreneur, executive, investor, senior advisor and board member.

John led the Financial Services platform for OMERS Growth Equity, undertaking investments in technology enabled Financial Services firms and developing the thesis and strategy around growth. John previously led PwC Canada’s Financial Services Consulting Practice, corporate development for global banks and the FS Strategy Practice for IBM Canada.

Chief Strategy Officer

Pat Finerty

Pat Finerty is a senior executive in software, artificial intelligence, data, partnerships and go-to-market strategy. In addition to Pat's experience consulting and advising in these areas, Pat has 25 years as a software industry executive, board member, investor, and management consultant.

Pat was most recently the Chief Development Officer for Daisy Intelligence - a SAAS based AI player in the retail and financial services space.

Chief Risk and Finance Officer

Chris Whyte

Chris Whyte is a senior executive specializing in finance and risk, fintech, digital transformation and credit risk management. In addition to his consulting and advisory experience, Chris has spent over 30 years leading change and innovation as a senior executive including:

Chief Operating Officer at Home Trust
Senior Vice President Lending Technology at D+H (now Finastra)
Vice President and Head, Alternate Channels at CIBC
Vice President Personal Lending at CIBC

Chief Financial Officer

Sabrina Pilbauer

Sabrina is a seasoned finance executive and business leader with a strong track record in developing and supporting ambitious business strategies focused on achieving short-term and long-term sustainable growth. Prior to joining CAARY, Sabrina was an external expert with the International Monetary Fund, supporting central banks around the world with financial management and complex accounting matters.

Prior to that, Sabrina led the financial operations function for the Bank of Canada, including financial policies, external financial reporting and accounting operations. Previously, Sabrina led the Financial Planning and Analysis department at the Bank and built financial business cases for major strategic investments. She also held executive positions at Bank of America (previously MBNA, now TD), leading the Financial Planning and Analysis function. She has strong understanding and insights in the credit card industry.

Chief Technology Officer

Saim Zuberi

Saim is an experienced Engineer having led Fintech Product Development in Canada, South East Asia and MENA regions for over 15 years -specializing in technical product development with integrated cloud technologies in Banking & Telecom industries. He has served in executive capacity(CEO, Director) for Venture Capital/Asset Management portfolio companies. He is also a certified Project Manager.

Chief Revenue Officer

Dan Budreau

Dan is a B2B payments leader with over 18 years experience at American Express. He has created champion/challenger vendor models in order to drive aggressive long term growth with over 100 sales resources. Dan has created 360 Industry strategies in order to drive 10X market share in strategic verticals. He has become an acquisition specialist by maximizing a sales and marketing Omnichannel approach.

Chief Product Officer

Salil Vijay

Salil is a digital product development and business growth leader in the financial services industry with over 15 years with HSBC, AMEX, CIBC and RBC, specializing in P&L management and growth in Credit Cards and Retail Lending products as well as business strategy development in Retail Distribution and Business Analytics.

Chief Operating Officer

Khurram Khalil

Khurram is a 20-year veteran of the technology and financial sector. After a successful career in technology with Oracle and SAP and starting his first Fintech in 2000, he has worked in the financial sector with Manulife, Scotia Bank, CIBC & Meridian Credit Union in multiple executive roles

In the Press

With $1.6mm Seed Raise, CAARY Appoints Senior Fintech Investment Strategist John MacKinlay as CEO to Lead U.S./Canada Equity Crowdfunding Campaigns

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CAARY closes $4.1 million late-seed equity round to bring innovative corporate credit card and payments platform to small and medium-sized enterprises (SMEs) in Canada

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Our Location


186 Bartley Drive, Toronto, Ontario, M4A 1E1

Second Location

Suite 201, 1300 Cornwall Drive, Oakville, ON, L6J 7W5

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