Skip to main content


A true north partner.

  • 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

Member focused.

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

We get stuff done.

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

We own our growth.

  • 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

Our executive team


Richard Adam, CPA, CA

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.


Tammy Buchanan

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.


Brandy Heikoop

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.


Abid Khawaja

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.


Liisa Woolley

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.


Marry Gunaratnam

Vice President, Information Technology


Marry is a seasoned technology executive with over 15 years of experience driving digital transformation and delivering innovative IT solutions. As the head of IT and PMO, Marry actively seeks to identify opportunities to leverage emerging trends to drive business value and streamline operations.

Prior to joining Northern, Marry held several leadership positions at leading organizations including JP Morgan Chase. As the Vice President of Implementation, Marry was responsible for overseeing the Project Management Office for the Canadian business, as well as through her various other roles she played a pivotal role in shaping the technology landscape and fostering a culture of innovation. She has a strong track record of building and managing high-performing teams, cultivating strategic partnerships, and aligning initiatives with the overall business strategy.

Marry holds a Master of Engineering at Carleton University, and is PMP, PM-LPC, SSBBP, and P.Eng certified. She is a thought leader in the IT industry and frequently speaks at conferences, contributes to industry publications, and participates in technology forums.

Marry's visionary leadership, technical expertise, and passion for leveraging technology to drive business outcomes makes her an invaluable asset to Northern, where we are committed to improving the lives of our members by offering innovating banking solutions tailored to our member’s financial needs.


Your board of directors

Tim Foster
Board Chair (2024)

Sue Klatt
Vice Chair (2026)

Amber Aird-Williams

Peter Beaucage

Jeannie Kilgour
Chair (2026)

Max Liedke

John Mangone

Lori Martin

Daniel McCoy

Cameron Ross

Reg St-Amour


Annual reports


Growing with purpose. 2022 Annual Report. Northern Credit Union.

Previous years


Become true north strong.

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?​

Select Image

Want to talk to us?

You’re never far from Northern. Whether you’re making enquiries, booking an appointment, reporting a lost card or just want to hear a friendly voice, we’d love to hear from you.

Select Image

Find what you're looking for.

If you’re looking for the nearest Northern Credit Union location, branch hours or the closest ATM, you’ve come to the right place!

Select Image

​Your banking, your way.

​Wherever you are and however you choose to bank, we have a secure option to meet your needs.

Select Image