• Willing to step forward and actively participate in your financial success
  • Partnering internally to provide you with a strong team of experts
  • Working hard, have fun and celebrate your success


  • We step up to support you
  • We make an impact in your financial journey
  • We provide you with a “WOW” experience


  • We honour our commitments to you
  • We work with integrity and professionalism
  • We understand your needs and are prepared to support you


  • We seize the opportunity to learn so we can support you better
  • We commit to learning a little every day, so we can do AMAZING things for you, our members


Truer Better Stronger. 2021 Annual Report




President & CEO

Richard Adam is Northern’s third President and CEO.  Since joining Northern in 1996, Richard has served the credit union in various roles including Senior Internal Auditor, Chief Internal Auditor, Vice President Finance and Administration, and since 2010 as the Senior Vice President Finance and Administration.  Prior to joining Northern Credit Union, Mr. Adam worked for chartered accounting firms in both Windsor and Sault Ste. Marie.  Richard holds an Honours Bachelor of Commerce (Accounting), is a Certified Public Accountant (Chartered Accountant), and holds a Certified Chief Executive designation from the Credit Union Executive Society. 

With over 30 years’ experience in the financial services industry, from both the public accounting and credit union perspective, Richard’s wealth of knowledge has been instrumental to Northern’s growth.  Richard has demonstrated superior skills in the areas of strategic leadership, operational execution and stakeholder relations, and is a proven leader with a keen understanding of Northern’s needs.

Richard has a proven commitment to members, staff and the community.  In addition to serving on various community and credit union committees and initiatives, Richard has been a member of the Financial Services Regulatory Authority of Ontario (FSRA) Enterprise Risk Management Committee and participated on the Central 1 Credit Union’s Act Review Committee.


Senior Vice President & Chief Financial Officer

Tammy has been with Northern Credit Union for over 13 years. Starting as an Accounting Supervisor she quickly moved into more senior positions. As the Vice President & Chief Financial Officer, Tammy is responsible for managing Northern’s finances and financial reporting. She is actively involved in working with the Executive Team to set and track financial goals, objectives, and budgets.  She is also responsible for Strategic Risk. Prior to joining Northern, Tammy spent several years in financial leadership positions at Sears Canada headquarters in Southern Ontario. During this time, Tammy attained her Chartered Professional Accounting (CPA) designation.

With roots originating in Northern Ontario, Tammy is keenly aware of the needs of “Northerners”. She believes in the cooperative spirit and helping others. Tammy volunteers for local sports organizations.


Senior Vice President, Human Resources

Brandy Heikoop is Senior Vice President, Human Resources for Northern Credit Union. As head of Northern’s Human Resources department, Brandy is helping to accelerate Northern through leadership, attracting and developing the best talent and building a culture of engagement, agility, and innovation.

With over 30 years of experience within the financial service industry, Brandy is well versed in many of the key facets needed for running and providing employees with a healthy and prospering business environment.

Prior to her current role, Brandy was Director of Sales at Northern and held the roles with a national financial organization. Through these roles, she contributed to skill refinement, succession planning and performance management and has gained valuable knowledge in areas such as retention, hiring, employee relations, and change management.


Senior Vice President, Credit

Abid came to Northern Credit Union in early 2021 with over 30 years of business, banking, and regulatory experience. He has worked in different industries in the US, UAE, and Canada, including fifteen years with a major Canadian bank.

Prior to joining Northern, Abid spent three years as a regulator with the Financial Services Regulatory Authority of Ontario.

He holds an MBA from the Richard Ivey School of Business and a BBA from the University of Central Oklahoma.

Abid has a passion for making deals and helping build communities. His talent and passion are a great fit with Northern Credit Union, where we believe in Making a Difference in People’s Lives.


Senior Vice President, Innovations and Operations (Interim)

With over 20 years in the credit union space, Jamie is an engaged, change leader who has successfully lead organizations through significant IT implementations, product and service developments, process improvement initiatives, merger integrations, and banking system conversions. Her strengths lie in her ability to conceive and implement strategic plans, negotiate strategic partnerships, drive new delivery channel opportunities, and present creative solutions with profitable outcomes.

Throughout Jamie’s career, she has held a variety of progressively senior roles in the areas of Information Technology, Project Development, and Operations. She brings to Northern Credit Union extensive experience in project and portfolio management, strategic planning, risk management, vendor management, resource utilization, revenue growth, and cost reduction.

She joins Northern as an independent consultant as our Interim SVP, Innovation and Operations, leading the overall direction and evolution of Northern’s Information Technology, Back Office Administration, Continuous Improvement Culture, Business Process Excellence and Facilities Management.

Jamie is actively engaged in the credit union system having served on several committees with a passion for promoting collaboration.  She currently holds the position of Chairperson of the Board for the Ficanex Group of Companies.


Senior Vice President, Member Experience

Liisa’s passion for the Credit Union system started over 25 years ago when she started as a summer student at Northern Credit Union. Since then she has committed her professional career to improving the lives of members by developing and implementing innovative solutions designed to help members succeed financially. As the Chief of Member Experience with Your Neighbourhood Credit Union, Liisa was responsible for overseeing the organization's marketing strategies as well as all member facing channels.  Currently Liisa holds the position of Senior Vice President, Member Experience, and provides guidance and coaching to deliver superior member experience in all channels. Liisa is an advocate for giving back to the community, and believes that credit unions have a responsibility to positively impact the communities they serve.

Liisa has a Bachelor of Arts, with a major in Communications and also holds various other managerial and banking credentials.  She is actively involved in the credit union system, serving on several System Committees and Boards including the Ontario Credit Union Foundation.


Jeannie Kilgour
Chair (2023)

Kevin Eccles
Vice Chair (2022)

Louise Ahrens

Peter Beaucage

Brian Cairns

Tim Foster

Sue Klatt

Max Liedke

John Mangone

Lori Martin

Daniel McCoy

Cameron Ross



Interested parties should contact the Corporate Secretary at

Nominations are now open. If interested, please download the Candidate Information Package.

For the 2021 Board year, the Nominating Committee is actively looking for individuals to sit on Northern’s Board with expertise in the following areas:

  1. Accounting/ Finance expertise (designation CPA or CFA) in the following areas:
    a.    Experience with accounting and reporting standards including financial instruments and International Financial Reporting Standards (IFRS)
    b.    Experience with capital markets financing instruments (e.g. securitizations, interest rates, on balance sheet financing etc.)
    c.    Experience in the field of economics, finance, treasury or investment services.
  2. Risk expertise with experience with enterprise risk management
  3. Experience / expertise in IT governance, digital strategy, overseeing complex technologies, cyber-security and IT projects.
  4. Governance and ethics expertise as evidenced by graduation from a recognized, advanced directorship program (ICD.D)
  5. Human Resource professional as evidenced by a CHRP designation and experience working in a senior Human Resources position.

Are you interested in becoming a Director on the Board of Northern Credit Union

  1. Do you have experience serving on a Board?
  2. Do you have a demonstrated reputation of valuable community involvement?
  3. Do you have core knowledge of, or experience in the cooperative system and an understanding of the cooperative principles?
  4. Do you have the time commitment to attend at least 2 Committee meetings and 1 Board meeting on a quarterly basis?  Each Committee meeting is approximately 1-1/2 hours in duration – with the Board meeting approximately 3.0 hours.  Reading and preparation time is approximately 1-2 hours and 3-5 hours respectively per meeting.
  5. Do have the time commitment to read the material and prepare for each of these meetings; approximately 300-400 pages of information for each meeting?
  6. 6.    Do you understand the difference between governing vs. managing as it pertains to the role of the Board and of a Director?


It is mandatory that a director:

  • Be a member of the credit union in good standing as defined in Northern Credit Union’s By-Laws – Section 1.01 (7).
  • Be at least 18 years of age.
  • Have Northern Credit Union as your primary financial institution.
  • Have never been employed by Northern Credit Union.
  • Meet qualifications under Section 91 of the Act.
  • Not be disqualified under Section 92 of the Act.
  • Meet qualifications under Section 4.02 of the By-laws.
  • Understand the principles behind and share the vision of Northern Credit Union, and have the ability to reflect the values and commitments of Northern Credit Union as well as acting in Northern Credit Union’s best interest at all times.
  • Demonstrate the ability to bring a perspective of external business, finance, and social issues to Board deliberations.
  • Understand corporate governance and the fiduciary duties, role and responsibilities of the Board as a whole and as an individual director of a credit union, including the willingness to ask probing questions and challenge management within the governance framework.
  • Commit to regular attendance at Board/Committee meetings, and to full preparedness and willingness to contribute to meeting content.
  • Understand the importance of credit unions in their communities.
  • Demonstrate the ability to provide leadership and be an effective communicator.
  • Demonstrate personal integrity and high ethical standards.
  • Be willing to commit to continuous learning and undertake appropriate director training and development initiatives.
  • Have the ability to understand and assess implications of financial statements and auditors reports.
  • Agree to abide by the additional time commitment, including travel time and work load associated with being a director of Northern Credit Union.


  • One whose membership in any credit union has been terminated, other than voluntarily.
  • One who has been found under the Substitute Decisions Act, 1992 or under the Mental Health Act to be incapable of managing property or who has been found to be incapable by a court in Canada or elsewhere.
  • One who is an undischarged bankrupt or who has been discharged as a bankrupt in the five years preceding the date on which he or she may be elected as a director.
  • One who is unable to obtain a bond of an insurer licensed under the Insurance Act to write surety and fidelity insurance.
  • One who is more than ninety days in arrears in the payment of a debt owed to the credit union unless the credit union has agreed to extend the time for repayment.
  • One who is a listed person within the meaning of the United Nations Suppression of Terrorism Regulations under the United Nations Act (Canada).
  • One who has been convicted of an offense, in the five years preceding the date on which he or she may be elected as a director and who has not received a pardon for the offence.
  • One whose membership in a professional association has been terminated, in the five years preceding the date on which he or she may be elected as director, for professional misconduct.
  • An employee of the credit union or a league in which the credit union is a member, or an employee’s spouse, parent or child.
  • A professional advisor who provides services to the credit union in his or her professional capacity or who has provided such services in the three years preceding the date on which he or she may be elected as a director.
  • An employee of the Authority.
  • A public servant employed under Part III of the Public Service of Ontario Act, 2006, whose employment duties include regulating credit unions.
  • One who has not met the training requirements or qualifications for directors established by the credit union.
  • One who has not met any reasonable condition or qualification set out in the by-laws of the credit union.

See the FSRA/DICO website for more information


We take pride in investing in the communities we call home. That’s why we’re the one true financial institution of the North. If you’re a member, you know what we mean. If you’re not, well, what are you waiting for?​


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