This is the personal blog of Ross McDonald. Publications relate to system-level developments in the Canadian financial services industry, with a focus on finance; strategy; treasury; regulation; governance; and risk management. They seek to stimulate curiosity, to frame perspective, and to ultimately support strategic innovation and effective regulatory oversight within the financial services industry.

Ross is Principal of Wiser Together Advisors, and engages as interim executive; on-demand contractor; and/or fractional executive, directly with clients or through partner organizations.

All comments reflect the personal opinion of the Ross McDonald and do not represent the views of any corporate organization, credit union, regulatory body, government ministry or any other organization or person. Although the author has made significant effort to ensure that presented information was accurate at the date of completion then the author does not assume any liability to any party for any loss, damage, or disruption caused by errors or omissions, whether such errors or omissions result from negligence, accident, or any other cause. Ross recognizes numerous system veterans that generously offered system memory, technical expertise and professional encouragement to support authorship of these publications. They are better, and I am wiser, for your thougthful insight. Thank you.

‪Your mind is like a parachute: If it isn’t open, it doesn’t work.
— Buzz Aldrin, US astronaut

Recent Publications (more)


You can’t rely on your eyes when you imagination is out of focus
— Mark Twain