Vishal Gossain

Vishal is the Risk Analytics and Balance Sheet Management Leader for EY Canada. He manages a team of 125 consultants.

Backed by over 20 years of experience working in Canada, the US and Latin America, Vishal and his team focus on artificial intelligence (AI) applications, lifecycle models and risk strategy, regulatory model development, risk appetite and policies, and ESG risk.

Prior to joining EY, Vishal was Vice President of Global Risk Management for Scotiabank, where he built lending models, retail regulatory models and money laundering models for the bank’s global portfolios. Vishal was also head of credit risk for HSBC in Latin America and Capital One Canada, and held several risk management positions with Capital One and HSBC in the US.

An avid champion of AI and machine learning (ML), Vishal served on the board of the Machine Learning Applications program at the Massachusetts Institute of Technology’s Computer Science and Artificial Intelligence Laboratory. He represented Scotiabank in the Real-time Secure Explainable Systems (RISELab) at the University of California as well as at Vector.AI in Canada.

Vishal holds a Bachelor of Technology from the Indian Institute of Technology in Kharagpur and a Master’s in Engineering from the University of Texas in Austin.

How Vishal is building a better working world

"Vishal is helping build a better financial world by applying cutting-edge AI and privacy-enhancing technologies. Through AI, financial services organizations can fulfill their customers’ needs with hyperpersonalized and optimized lending decisions, optimized capital allocation, 24/7 service with automated customer lifecycle processes, enhanced data protection, and exceptional and trustworthy lending services."