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I am a multi-disciplined business intelligence professional with extensive experience in data analytics, reporting solutions, and risk management for financial institutions, financial services providers, government agencies, and other regulated industries. I help organizations build scalable analytics frameworks, develop methodology and governance, and translate complex data into actionable insights that inform capital, risk, and strategy decisions.…I am a multi-disciplined business intelligence professional with extensive experience in data analytics, reporting solutions, and risk management for financial institutions, financial services providers, government agencies, and other regulated industries. I help organizations build scalable analytics frameworks, develop methodology and governance, and translate complex data into actionable insights that inform capital, risk, and strategy decisions.

James Todd Fraser

Data Analyst, Data Scientist, Data Visualizer, +3

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I am a multi-disciplined business intelligence professional with extensive experience in data analytics, reporting solutions, and risk management for financial institutions, financial services providers, government agencies, and other regulated industries. I help organizations build scalable analytics frameworks, develop methodology and governance, and translate complex data into actionable insights that inform capital, risk, and strategy decisions.…I am a multi-disciplined business intelligence professional with extensive experience in data analytics, reporting solutions, and risk management for financial institutions, financial services providers, government agencies, and other regulated industries. I help organizations build scalable analytics frameworks, develop methodology and governance, and translate complex data into actionable insights that inform capital, risk, and strategy decisions.

Available to hire

I am a multi-disciplined business intelligence professional with extensive experience in data analytics, reporting solutions, and risk management for financial institutions, financial services providers, government agencies, and other regulated industries. I help organizations build scalable analytics frameworks, develop methodology and governance, and translate complex data into actionable insights that inform capital, risk, and strategy decisions.

Skills

Experience Level

Expert

Expert

Expert

Expert

Work Experience

Director at Fraser Mercantile Ltd.

March 1, 2024 - Present

Director and principal operator delivering data analytics, business and risk intelligence solution development (including MS Fabric, Power BI, and Tableau); builds capacity and framework, performs business analysis and development, and provides enterprise risk management consulting. Led phase 1 and phase 2 Nova Scotia Department of Fisheries and Aquaculture engagements, delivering exploratory analytics, metrics/benchmarks, interactive reporting, and user guides. Also developed a proof-of-concept portfolio return metrics, credit risk capital analytics, and stress testing reporting solutions.

Senior Specialist IC, ERPM – Enterprise Stress Testing at Bank of Montreal

August 1, 2016 - January 31, 2024

Multi-faceted role delivering capital demand assessments on enterprise and regulatory stress tests, and climate risk impacts on internal credit risk ratings. Provided ongoing requirements development, methodology analytics (SQL/SAS), and reporting/design (Power BI) to meet regulatory changes and industry best practices. Supported Basel III reforms and climate risk framework initiatives, including portfolio-level analytics for metals/mining, oil & gas, CRE, steel, and transportation.

Senior Manager, ERPM – Risk Capital & Stress Testing at Bank of Montreal

June 1, 2014 - August 31, 2016

Led development of credit risk stress testing infrastructure, post-default continuity methodology, parallel streams for capital and loss calculations, and risk-rating migrations. Collaborated across business, technology, and external vendors to design, test, and present results to stress testing committees and regulators.

Senior Manager, ERPM – Independent Review: AIRB Credit Risk at Bank of Montreal

December 1, 2012 - June 30, 2014

Managed annual independent review of AIRB risk-rating models (PD, LGD, EAD) per OSFI CAR Guidelines. Led resource planning, model validation activities, and produced quarterly content for governance committees and Board reporting.

Senior Manager, ERPM – Economic Capital at Bank of Montreal

September 1, 2011 - December 31, 2012

Performed economic capital production and enterprise analytics, delivering quarterly and monthly EC forecasts and targets. Collaborated across Operating, Risk and Finance to revamp target/limit processes and built scalable data-marts for analytics and reporting.

Senior Manager, ERPM – Regulatory Capital at Bank of Montreal

April 1, 2008 - January 31, 2012

Managed ad hoc and production regulatory capital analyses, detailing drivers of market conditions, parameter changes, risk weights, and capital implications. Led Basel II/III-related analytics, back-testing of expected losses, and cross-functional communications with OSFI and internal stakeholders.

Senior Manager, Credit Information Systems at Scotiabank Group

July 1, 2005 - April 30, 2008

Analysis, calculation, and validation of data for quarterly credit risk reporting; designed regulatory and economic capital systems for wholesale portfolios; developed Basel Wholesale technical requirements and data-extract logic, including exposure derivations, defaulted exposure logic, and capital impact reporting.