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I am a multi-disciplinary business intelligence professional with in-depth experience in data analytics, reporting solutions, methodology and framework development, process transformation and change management, and business analysis for financial institutions, financial service providers, and government agencies. I currently lead Fraser Mercantile Ltd as Director, delivering data analytics, risk intelligence, and enterprise risk management consulting—including MS Fabric, Power BI, and Tableau—along with capacity and framework builds and change management. My previous roles at Bank of Montreal centered on enterprise stress testing, climate risk impacts on credit risk, capital demand analytics, and regulatory reporting, with a focus on delivering scalable analytics and robust reporting to meet Basel III/ICAAP requirements.…I am a multi-disciplinary business intelligence professional with in-depth experience in data analytics, reporting solutions, methodology and framework development, process transformation and change management, and business analysis for financial institutions, financial service providers, and government agencies. I currently lead Fraser Mercantile Ltd as Director, delivering data analytics, risk intelligence, and enterprise risk management consulting—including MS Fabric, Power BI, and Tableau—along with capacity and framework builds and change management. My previous roles at Bank of Montreal centered on enterprise stress testing, climate risk impacts on credit risk, capital demand analytics, and regulatory reporting, with a focus on delivering scalable analytics and robust reporting to meet Basel III/ICAAP requirements.

James Todd Fraser

Data Analyst, Data Scientist, Data Visualizer, +6

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I am a multi-disciplinary business intelligence professional with in-depth experience in data analytics, reporting solutions, methodology and framework development, process transformation and change management, and business analysis for financial institutions, financial service providers, and government agencies. I currently lead Fraser Mercantile Ltd as Director, delivering data analytics, risk intelligence, and enterprise risk management consulting—including MS Fabric, Power BI, and Tableau—along with capacity and framework builds and change management. My previous roles at Bank of Montreal centered on enterprise stress testing, climate risk impacts on credit risk, capital demand analytics, and regulatory reporting, with a focus on delivering scalable analytics and robust reporting to meet Basel III/ICAAP requirements.…I am a multi-disciplinary business intelligence professional with in-depth experience in data analytics, reporting solutions, methodology and framework development, process transformation and change management, and business analysis for financial institutions, financial service providers, and government agencies. I currently lead Fraser Mercantile Ltd as Director, delivering data analytics, risk intelligence, and enterprise risk management consulting—including MS Fabric, Power BI, and Tableau—along with capacity and framework builds and change management. My previous roles at Bank of Montreal centered on enterprise stress testing, climate risk impacts on credit risk, capital demand analytics, and regulatory reporting, with a focus on delivering scalable analytics and robust reporting to meet Basel III/ICAAP requirements.

Available to hire

I am a multi-disciplinary business intelligence professional with in-depth experience in data analytics, reporting solutions, methodology and framework development, process transformation and change management, and business analysis for financial institutions, financial service providers, and government agencies.

I currently lead Fraser Mercantile Ltd as Director, delivering data analytics, risk intelligence, and enterprise risk management consulting—including MS Fabric, Power BI, and Tableau—along with capacity and framework builds and change management. My previous roles at Bank of Montreal centered on enterprise stress testing, climate risk impacts on credit risk, capital demand analytics, and regulatory reporting, with a focus on delivering scalable analytics and robust reporting to meet Basel III/ICAAP requirements.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Language

English

Fluent

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.

Senior Manager, Credit Information Systems at Scotiabank Group: Global Risk Management

July 1, 2005 - April 1, 2008

Analysis, calculation, and validation of data for quarterly credit risk reporting; designed regulatory and economic capital system reporting, including data warehouse extraction logic, defaulted exposure logic, and exposure-weighted ACL and credit risk mitigants; developed problem loan data capture system and supporting data algorithms; collaborated with risk, finance, and technology groups to improve processes and reporting.