Kathy began her career with The Co-operators in 1978. Prior to her appointment as President and Chief ExecutiveOfficer of The Co-operators Group on March 1, 2002, Kathy served as Chief Operating Officer of The SovereignGeneral and L’Union Canadienne. From 1998-2002, she was in charge of operations for these companies and theirsubsidiaries under the umbrella of The Co operators Group Limited.A graduate of McMaster University’s M.B.A. program, Kathy also holds a Bachelor of Science degree inMathematics from the University of Manitoba. An industry leader, Kathy is a board member of the Institute of Catastrophic Loss Reduction. Equally active in theco-operative sector, Kathy serves as Chair of the International Cooperative and Mutual Insurance Federation and amember of the Credit Union Central of Canada’s CEO committee. Kathy’s corporate board positions include seats with The Sovereign General, L’Union Canadienne, Co-operatorsInvestment Counselling Ltd., HB COSECO, and Co-operators Development Corporation. She is also a member ofthe executive committee of The Conference Board of Canada, and the Board of Directors for the Burlington Economic Development Corporation. Kathy is a former member of the University of Guelph’s Board of Governors.

Dr. Yahya is the former Chairperson of the Islamic Shura Council of Southern California, which is the umbrella organization of 57 Islamic Centers and 500,000 Muslims in Southern California. He is also the founder and CEO of American Finance House (LaRiba.com). He is also the author of Lariba Bank Book. LARIBA was established in 1987 in the City of Pasadena, California, USA. The company founders are a group of business men and women who believe in the LARIBA system of banking as the true expression of "halal" Banking and Financing. LARIBA is the acronym for “Los Angeles Reliable Investment Bankers Associates." American Finance House is licensed in the state of California as a Finance lender. The company's main goal is to provide "LARIBA" financing to all people regardless of their national origin, religious beliefs, gender or color.

Warren Edwardes, CEO, Delphi Risk Management Ltd, London, UK
Governor, Institute of Islamic Banking & Insurance

Warren Edwardes is CEO of Delphi Risk Management Ltd., the London-based financial instrument innovation and risk management consultancy. Prior to founding Delphi he was on the board of the British merchant bank, Charterhouse Bank as Director, Financial Engineering. He has also worked for the Equitable Life Assurance Society, the UK Government Actuary's Department and the treasuries of British Gas, Barclays Bank and Midland Bank as a strategist, dealer, asset/liability risk manager and product developer.
Edwardes' best-selling book "Key financial instruments: understanding and innovating in the world of derivatives" (FT Prentice Hall) includes an Appendix on Islamic Banking as a case study on financial innovation.
Edwardes has applied his innovation skill to Islamic Banking since 1985 and is Board Governor of London-based The Institute of Islamic Banking and Insurance and has published, been quoted widely and is a frequent conference speaker, moderator and chairman on Islamic finance.
Edwardes’ well received speeches include: “How to capture the big new IDEA”, “Overcoming Hindervation: Removing the corporate road blocks that Hinder Innovation” “Demystifying Islamic Banking and Finance”, “Demystifying Derivatives”, “50 Ways to Lose Your Money - A Practitioner's Risk Check-List”, “Less Technophilia – Have Faith in Fools”.
Contact: we@dc3.co.uk | Website: www.dc3.co.uk | Publications and speeches: www.dc3.co.uk/publish

Syed Husain is one of the founding members of the Centre for Islamic Economics. He was a member of the State Bank of Pakistan's high powered Commission for Transformation of Financial system and he is presently a member of the ministry of Finance Task Force for Transformation of Government Finance - both the organization established trough Supreme Court's Judgment on Riba.
He a Jurist Consult to the Supreme Court for Riba Judgment.
Syed Husain has also served as a Trustee of Accounting and Audit Organization for Islamic Banks (AAOFI).
Syed Husain also served as a Chairman and Member of the Institute of Chartered Accountants' Committee for Accounting Standards for Islamic Financial Institutions.
Syed Husain also led the efforts for design and implementation of first Shari'ah Compliant Musharkah Corporate Bond in Pakistan.
Syed Husain is a frequent speaker on Islamic Corporate and Government Finance.

Guy David is a former head of the Business Law Department in the Ottawa office of Gowlings. His areas of practice include banking, corporate finance and international law. His practice covers both transaction-oriented assignments and advising on financial legislation.
Over the years he has participated in many international transactions in various jurisdictions as counsel to the Export Development Corporation, Canadian banks and commercial enterprises. His corporate finance/M&A practice includes public bond financings as well as negotiated and hostile acquisitions of private and public companies.
Mr. David has considerable experience in structuring and negotiating financial transactions, including Government of Canada financings, international equipment financings with complex security and inter-lender arrangements, infrastructure and privatization-related project financings and asset securitizations. Among other accomplishments he has drafted legislation for Cambodia on contract with the International Monetary Fund, co-ordinated the firm's advice to the Government of Mexico in the field of financial services in connection with the North American Free Trade Agreement, and acted as project leader on a number of IFI-funded international development projects in Asia and the Caribbean region.

Mr. Hasan A Bilgrami is the Chief Executive Officer and Director of BankIslami. His association with the BankIslami started as a consultant to the sponsoring shareholders right at the inception of the project where he was responsible for developing the business plan, arranging permissions, staffing and capital raising. Previously he worked as the Head of Asset Management with the National Investment Trust (NIT), as Country Manager Consumer Banking & Corporate Business with Gulf Commercial Bank (now PICIC Commercial Bank Limited) as General Manager Corporate Finance with ORIX Investment Bank and as Director and Head of Corporate Finance with Khalid Majid Husain Rahman, then a member firm of Deloitte & Touche.

Hasan has hands on experience in structuring Islamic modes of financing while he worked as a Secretary of the Financial Instruments Committee of the Islamic Finance Commission. His specific task was development of model financial instruments that could be used by the financial services industry in Pakistan. The scope of work not only included both asset and liability side products, but also included areas such as risk management and capital adequacy. Model agreements were also part of the mandate. His work of model agreements has been approved by the Shariah Board of the State Bank of Pakistan and have become the industry standard.

He has also been a Director on board of PICIC, Soneri Bank Limited, Fauji Fertilizer Company Limited and National Refinery Limited. He is also a Director on the Board of KSB Pumps Limited as well as a Chairman of the Audit Committee. He has overall 17 years of professional experience.

Dr. Monzer Kahf is currently working as an independent Consultant/Trainer on Islamic Banking, Finance, Zakah, Awqaf, Islamic Inheritance, Islamic estate planning, Islamic family law, and other aspects of Islamic Economics, finance, Islamic transactions (Mu'amalat).Dr. Kahf has developed several copyrighted modules in Islamic Banking and finance that include: “Islamic Sukuk and capital markets,” “risk management and compliance with Basel II Accord,” “Shari’ah-based wealth management,” “financial engineering in accordance with Shari’ah,” “conversion of conventional securities into Islamic securities,” “structuring Islamic financial products,” “fundamentals of Islamic banking and finance,” “Islamic estate planning,” “Islamic Leasing,” Takaful and Insurance,” etc. Dr. Kahf gives training seminars in cooperation with several companies such as Euromoney, and directly to Islamic and conventional financial institutions.
For more than 34 years, Dr. Kahf has been touring the Muslim communities in North America and overseas and lecturing on a variety of issues of community concern especially in the financial and economic areas. Dr. Kahf gave lectures at conferences, seminars, meetings and gatherings on the theory of Islamic finance and its practices in North America and the rest of the world, Islamic economics and banking, Awqaf, Islamic Trusts, Islamic estate planning, charities in the Islamic Religion (Zakah), Friday Sermons in mosques and Islamic centers, etc.Since 1999 Dr. Kahf has been an English-speaking resource person for Islam-On-Line Website and dialogue. Dr. Kahf gives Shari’ah opinions on Islamic finance, banking and other issues of Islamic economics and financial transactions. Dr. Kahf answers questions from English speaking individual Muslims in the US and in other parts of the world. Dr. Kahf has his own website that provides information to US and Canadian Muslims on issues of property and ownership, Trusts, family financial relations and responsibilities, estate planning, charity giving and Awqaf (Islamic charitable foundations).

Dr. Tariqullah Khan, born in Chitral, Pakistan (1954) is currently Senior Economist at IRTI. Before joining IRTI in 1983, he was in the faculty of the Economics Department, Gomal University, Pakistan (1976-81), and International Institute of Islamic Eocnomics, International Islamic University, Pakistan (1981-83), teaching in particular, monetary, development and international economics. He has an M.A. (Economics) degree from the University of Karachi, Pakistan and a Ph.D. degree from the Loughborough University, United Kingdom.

At IRTI, Dr. Khan's research interest has been in the area of theoretical development in Islamic finance and its practical challenges in an international, mixed and competitive environment. In this area, his research works published by IRTI include: "Alternative Strategies for International Financing" (1988), Principles of Islamic Financing (1992), both with Monzer Kahf, Economics of Diminishing Musharakah (1995) with Boualem Bendjilali, Islamic Financial Instruments for Public Sector Resource Mobilization (ed., 1997) with Ausaf Ahmad, Contractual International Investments: Relevance for Islamic Economics (1992), Redeemable Islamic Financial Instruments for Capital Participation in Enterprises (1995), "Demand for and Supply of Mark-up and PLS Funds in Islamic Banks: (1995), and Performance and Practices of Modaraba Companies with Special Reference to Pakistan (1996).