
Mitchell Chad
Managing Director, Head of Balance Sheet Modeling, Royal Bank of Canada
Mitchell Chad is a senior Risk and Treasury practitioner with over 20 years of financial services experience built on a foundation of technical expertise, thought leadership, and change management. Throughout his career, he has focused on a holistic and comprehensive approach rather than the siloed one traditionally adopted by financial institutions.
Mitch and his team developed RBC’s suite of models and methodologies for IFRS 9, CECL, CCAR and EWST, including the underlying technology architecture. Prior to joining RBC, Mitch held progressively senior roles at multiple Canadian and international financial institutions in treasury and FTP (ALM and SIRR strategy, enterprise-wide implementation of LCR, NSFR and BCBS 239), market risk (MVS, EaR, VaR and PFE), structuring complex financial instruments and credit risk analytics (pricing/strategy models, AIRB, ICAAP, economic capital and stress testing).
Mitch holds a Master of Science degree in Mathematics, Statistics, and Actuarial Science from the University of Western Ontario.
BSM
Integrating Capital, Liquidity and Funding for a Unified Balance Sheet Strategy
- Creating dashboards linking capital, liquidity and profitability
- Aligning treasury, finance and risk incentives
- Translating regulatory metrics into commercial decisioning
- Lessons from 2025 market volatility
