A. Michael Andrews

1148 Kilmarnock Road

Jasper Ontario Canada  K0G 1G0

613-283-3043 (W)
613-867-9743 (Mobile)

mike@amandrews.ca


Principal

A. Michael Andrews and Associates Limited

 

 

 

A financial services professional with a unique combination of private and public sector experience:

  • Financial sector policy development, legislation and regulation
  • Banking, credit unions and cooperatives, deposit insurance
  • Supervisory intervention in and resolution of troubled deposit-taking institutions
  • Governance, restructuring and privatization of state-owned banks
  • Commercial bank lending and operations
  • Applied research, strategic and operational consulting
  • Competition and antitrust law applied to the financial services sector
  • Comfortable and effective in dealing at the most senior levels of business and government
  • A record of accomplishments both as a leader and manager of professionals, and as a team member
  • International experience in Africa, Asia-Pacific, China, India and the former Soviet Union
  • A strong communicator specializing in effective oral and written presentation of complex issues to a general business audience

Previous experience
1999-2003 International Monetary Fund

1998
Competition Bureau

1997-98
Department of Finance Canada

1990-97
The Conference Board of Canada

1987-90 Deposit Insurance Corporation of Ontario

1981-87 Toronto Dominion Bank

Education

 

Fellow of the Institute of Canadian Bankers

MBA, Queen’s University, Kingston, Canada

B.A. (honours), Laurentian University, Sudbury, Canada

 

Selected publications

Broadening the Investor Base for Local Currency Bonds in the ASEAN+2 Countries (2013) Manila: Asian Development Bank (with Brent Sutton and Robert Hannah).

Rwanda:  Financial Sector Development Program II (2012) Kigali:  Ministry of Finance and Economic Planning (with Keith Jefferies, Robert Hannah and Paul Murgatroyd).

Regulatory Reform in Response to the Global Financial Turmoil:  Finding the Middle Ground Between Over-reaction and Complacency (2009) Ottawa:  The Certified General Accountants Association.

"Financial Sector in South Asia:  Recent Developments and Challenges" (2009)  South Asia Economic Report No. 4, Manila:  Asian Development Bank (with Shunsuke Bando and Angelo Tanningco).

 Strengthening Ontario Communities:  The Contribution of Credit Unions and Caisses Populaires to Economic and Social Development in Ontario (2007) Report prepared for Credit Union Central of Ontario

"Uzbekistan:  Financial Sector Development Strategy" (2007) Manila:  Asian Development Bank.

"Uzbekistan:  Banking Sector Diagnostic Review" (2007) Manila:  Asian Development Bank.

Don't Drown the Seedlings:  Lessons for Savings and Credit Union Development from the Experience in East and Central Asia (2006) Manila:  Asian Development Bank.

The Soundness of the Zimbabwe Banking System” (2005) Zimbabwe Selected Issues and Statistical Appendix IMF Staff Country Report 05/359, Washington:  International Monetary Fund (with Jennifer Mbabazi-Moyo)

“The Banking Sector” (2005) Sri Lanka:  Financial Sector Assesment, Manila:  Asian Development Bank.

State-Owned Banks, Stability, Privatization and Growth:  Practical Policy Decisions in a World Without Empirical Proof ” (2005) Working Paper 05/10 Washington:  International Monetary Fund

Strengthening Ontario Communities: The Contribution of Credit Unions and Caisses Populaires to Economic and Social Development in Ontario (2004) Report prepared for Credit Union Central of Ontario

Issuing Government Bonds to Finance Bank Recapitalization and Restructuring: Design Factors that Affect Banks’ Financial Performance” (2003) Policy Discussion Paper 03/4, Washington: International Monetary Fund.

What Happens After Supervisory Intervention? Considering Bank Closure Options” (2003) Working Paper 03/17, Washington: International Monetary Fund (with Mats Josefsson).

Addressing the Prudential and Antitrust Aspects of Financial Sector Mergers and Acquisitions” (2002) in Charles Enoch, David Marston and Michael Taylor, eds, Building Strong Banks, Washington: International Monetary Fund.

A System on the Move: Internationalization and Adaptation in the Austrian Financial Sector” (2002) Austria: Selected Issues IMF Staff Country Report 02/183, Washington: International Monetary Fund.

Uganda’s Financial Sector” (1999) Uganda: Selected Issues and Statistical Appendix IMF Staff Country Report No. 99/116, Washington: International Monetary Fund.

Kazakhstan’s Financial Sector” (1999) Republic of Kazakhstan: Selected Issues and Statistical Appendix IMF Staff Country Report No. 99/95, Washington: International Monetary Fund.

“Review of Canadian Federal Financial Services Legislation: Commentary on the June 1996 White Paper” (June 1997) Journal of Banking and Finance Law and Practice (with Brent Sutton).

"More Green Than White: A Preliminary Review of Federal Proposals for Changes to Financial Services Legislation," (March 1997) Banking and Finance Law Review (with Brent Sutton).

Electronic Distribution Systems in the Canadian Retail Financial Services Industry (January 1997) Ottawa: The Conference Board of Canada (with Chris Roth).

Comments on Commitment to Change: Eliminating Overlap and Duplication in the Regulation of the Trust and Loan Industry in Canada (December 1996) a submission by The Conference Board of Canada to the Government of Ontario (with Brent Sutton). 

"Banking Reform in China: The Growth of Financial Intermediation in a Socialist Market Economy" (May 1996) paper prepared for AERIL project no. 3, Reforming China’s Financial Sector (with Brent Sutton).

Competing Globally: The International Success of the Canadian Life and Health Insurance Industry (March 1996) Ottawa: The Conference Board of Canada (with Jane McIntyre).

The Regulation of Financial Services in Saskatchewan: Market Developments and Policy Options (December 1995) Ottawa: The Conference Board of Canada (with David Brown and Brent Sutton).

Initial Public Offerings: The Experience of Eight Canadian Growth Companies (May 1995) Ottawa: The Conference Board of Canada.

Roles and Responsibilities in the Nova Scotia Credit Union System  (September 1994) a report prepared for the Nova Scotia Credit Union Stabilization Fund Board and Credit Union Central of Nova Scotia (with Brent Sutton and Carolyn Conner).

“Small Business Financing in Canada” (March 1994) Canadian Financial Services Alert (with Pierre Vanasse)

Credit Union Capital Adequacy Issues (March 1994) a report prepared for Stabilization Central Credit Union of British Columbia (with Brent Sutton and Indira Gangasingh).

"Why Antiquated Backrooms Threaten the Existence of Canada's Capital Markets" (Fall 1993) Canadian Investment Review.

Reform of Quebec Financial Services Legislation (April 1993) A Submission to the Government of Quebec by The Conference Board of Canada (with Brent Sutton).

Size, Competition and Concentration in the Canadian Financial Services Industry (April 1993) Ottawa: The Conference Board of Canada.

Reform of Ontario Loan and Trust Legislation (February 1993) A Submission to the Government of Ontario by The Conference Board of Canada (with Brent Sutton).

Current Issues in Clearing, Payment and Settlement Systems (January 1993) Ottawa: The Conference Board of Canada (with Jacqueline McGinn).

Depositor Protection and Systemic Integrity in the Saskatchewan Credit Union System: A Strategic and Operational Overview (October 1991) A Report Prepared for the Saskatchewan Credit Union Deposit Guarantee Corporation (with Steve Handfield-Jones).

"Reform of Federal Financial Institutions Legislation", Assurances (July 1991) (with Guy Glorieux).

The Canadian Securities Industry: A Decade of Transition (April 1991) Ottawa: The Conference Board of Canada.


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