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Executive Leadership Team

Gavin Toy FCPA, FCA, ICD.D

President and Chief Executive Officer

Gavin is the president and CEO of Prospera Credit Union. Widely respected as a collaborative relationship builder and strategic business leader, Gavin has spent the past 25 years committed to growing BC member-based organizations. With an equal focus on delivering value for members, engaging employees, and supporting local communities, Gavin is passionate about the power of financial cooperatives.

In 2019, Gavin helped lead the merger of Prospera and Westminster Savings, garnering overwhelming member approval. Upon completion on January 1, 2020, this merger was the largest in Canadian credit union history and Prospera became the sixth largest credit union in Canada with more than $9.5 billion in assets under management. Gavin joined the credit union eight years ago and under his leadership, assets under management nearly doubled and the credit union was was consistently recognized for its strong organizational culture. Prior to joining the credit union, Gavin held several executive positions with the British Columbia Automobile Association (BCAA). Spanning a 16-year career at BCAA, he was most recently senior vice president and chief operations officer with responsibility for all member-facing operations.

Gavin is a chartered accountant by training and a KPMG alumnus. In 2020, Gavin was elected as a fellow of the Chartered Professional Accountants of BC. He is a graduate of the Queen’s University Executive Leadership program, holds a business degree from Simon Fraser University, and is an accredited director through the Rotman School of Management Corporate Directors Program.

Gavin is deeply committed to supporting his profession and giving back to his local community. He currently serves as vice chair of the board of the Canadian Credit Union Association, the national credit union trade association and has served on the Credential Financial Inc. board and as board chair for two national finance companies. From 2013 to 2020, Gavin was on the board of Canuck Place Children’s Hospice serving two years as board chair.


Greg Dyck

Chief Digital and Information Officer

As Prospera’s chief digital and information officer, Greg is a progressive and transformative technology leader whose portfolio includes information technology, digital transformation, business process innovation (BPI), the Enterprise Project Management Office (EPMO), and the Integration Management Office (IMO). Greg is a leader in the credit union system, and in the IT industry. He is passionate about technology and innovation and has led many technological innovations and “firsts” in the financial services industry. He is a strategic partner, bridging the digital and physical delivery of Prospera’s compelling value proposition by leveraging technology and innovation.

Greg is committed to personal learning and growth, continuously challenging himself and others to achieve their best. In 2014 he obtained his Advanced Executive Certificate from the Queen’s University Executive program.

He is active within the credit union system and represents Prospera in the Large Credit Union Coalition (LCUC) CIO group and is board chair of the Co-operative EFT Development Association (CEDA). Greg is actively involved in the community as a member of the City of Abbotsford’s Community Innovation Partnership, as well as Character Abbotsford.


Mary Falconer

Chief Financial Officer

As chief financial officer for Prospera Credit Union, Mary provides financial oversight, leadership and strategic expertise for the credit union and its subsidiaries and plays a key role in helping position the organization for long-term sustainable growth and success. Mary has executive oversight for all financial and fiscal management aspects of the credit union’s operations including finance, audit, treasury, business intelligence, and centralized services. She also oversees procurement and facilities.

Mary has more than 30 years of financial management experience. She has worked in the British Columbia credit union system for the past decade. Mary also spent seven years as the chief financial officer of an international Swiss bank based in various jurisdictions including Europe, the United States, Asia and the Caribbean. She also spent 13 years in professional services firms, largely in senior audit management roles with Pricewaterhouse¬Coopers and Ernst & Young.

Mary is a Chartered Professional Accountant (CPA, CA) and holds a Bachelor of Commerce degree with Distinction from the University of Alberta. Mary completed the Institute of Corporate Directors program and holds the ICD.D designation. She currently serves as a director and the Audit Committee chair of Central 1 Credit Union. Mary is involved in both personal and corporate fundraising for the Juvenile Diabetes Research Foundation.


Greg Oyhenart

Chief Operating Officer

As the chief operating officer (COO), Greg has oversight of Business Banking (Commercial and Leasing), Wealth Planning, Personal Banking, and Marketing/Member Service Centre activities. Greg has a track record as a collaborative innovator and people-oriented leader with more than 25 years of diverse industry and business experience.

Prior to joining the credit union in 2015, Greg held the position of senior vice president and chief member experience officer at the British Columbia Automobile Association (BCAA). Before joining BCAA, he was a director at TELUS Ventures with responsibility for identifying and sourcing investments aligned to TELUS’ technology and business unit strategies. Greg holds an MBA from Queen’s University, an MA in Urban Planning from the University of British Columbia and a BA in History from Simon Fraser University.

Greg has been an active member of his community through coaching youth soccer and baseball, and as a board trustee of the Stratford Hall Foundation. He currently serves on the board of directors of the Vancouver Public Library Foundation and as chair of the board of directors for Westminster’s leasing companies.


Brian Rogers

Chief Risk Officer

As chief risk officer of Prospera, Brian has executive oversight for the assessment and mitigation of significant competitive, regulatory and technological threats to the credit union. He is responsible for credit adjudication and recovery, enterprise risk management, and compliance.

Brian joined the credit union in 2015. In previous roles within the credit union system, Brian worked most recently as vice president, corporate development at Coast Capital Savings Credit Union and, prior to that, he served as Coast’s vice president, commercial credit risk. Brian came to the credit union system after having held several roles over a 16-year career with HSBC Bank Canada, where his last role was head of business banking. He has a wealth of experience in credit, commercial banking, credit risk management and corporate development.

Brian is a Chartered Financial Analyst (CFA) and has a Master of Business Administration degree from York University and a Bachelor of Commerce from the University of British Columbia.


TJ Schmaltz

Chief People and Legal Officer

As chief people and legal officer, TJ has executive oversight for organizational culture and employee engagement, recruitment and workforce planning, training and leadership development, compensation and benefits, employee relations, internal communications, governance and corporate support, and legal affairs.

TJ started his career as a labour and employment lawyer, but transitioned into the human resources and people experience field, where he has worked in progressively more senior roles since the early 2000s. Prior to joining the credit union in June 2017, TJ was chief human resources officer for a large rapidly growing multi-national organization of more than 10,000 employees located in nearly 200 cities across North America. This experience included significant merger, acquisition, and integration work. His previous experience includes leading the HR function for the District of West Vancouver, work with BC’s largest retailer, and within maximum security jails.

A passionate advocate for people-focused human resource management, TJ has been a part-time instructor at the British Columbia Institute of Technology where he has been teaching law and HR management courses since 2005. In 2020, TJ co-published one of the pre-eminent textbooks on employment law for business and HR professionals in Canada.

TJ is currently the chair of the board for the Chartered Professionals in Human Resources Canada. He also serves as a board member with Ocean Wise, a global ocean conservation organization. He’s designated as a Chartered Professional in Human Resources (CPHR) as well as a Senior Certified Professional (SCP) with the US Society for Human Resource Management. TJ also holds a Bachelor of Common Law (LLB) and a Bachelor of Civil Law (BCL) from McGill University, and a Bachelor of Social Science from the University of Ottawa. In 2018, TJ was granted the honorary title of Fellow Chartered Professional in Human Resources (FCPHR) by CPHR Canada.