Father of a 2 year old boy, from whom I am learning to try new things, fail and develop further. Karnan has demonstrated experience in Financial Services including retail banking, payments and digital transformation. Skilled in strategy planning, portfolio management, developing and executing complex cross-divisional initiatives to deliver growth and superior customer experience. Karnan joined Tangerine and Scotiabank in 2023 to lead Open Banking, customer onboarding and money management tools. Before joining Tangerine, Karnan led both the corporate strategy practice as well digital transformation initiatives in Financial services industry.