CAROLYN IBELE is Manager,Compliance, AML & Compliance Division,with the Office of the Superintendent ofFinancial Institutions (OSFI). Carolyn has been with OSFI since July 2013 inthis role and she leads and supports assessments of regulatory compliancecontrols at FRFIs and assessments of compliance policies of new entrants. Shealso monitors emerging regulatory compliance risks and has been involved in therevision of OSFI’s legislative compliance management guideline.  Prior to joining OSFI, Carolyn spent over 12years in the private sector with Equitable Life Insurance Company and FaithLifeFinancial, holding positions as Governance and Compliance Counsel, CorporateSecretary, Chief Compliance Officer, Chief Anti-Money Laundering Officer, ChiefPrivacy Officer, and most recently, General Counsel. She has also been activelyinvolved with the Institute of Chartered Secretaries and Administrators(Canada), the International Association of Privacy Professionals, and theAssociation of Certified Anti-Money Laundering Specialists.  In addition to a Bachelor of Laws degree(Western), Carolyn holds a Master of Laws degree (Securities) (Osgoode Hall).She is a certified Privacy Professional (CIPP/C), a Certified Anti-MoneyLaundering Specialist (CAMS), a Fellow (FCIS) of the Institute of CharteredSecretaries and Administrators (Canada), and she has successfully completed theLOMA Insurance Immersion program and the Financial Institution Supervisionprogram.