JOAN DAL BIANCO is the VicePresident & Deputy Global Anti-Money Laundering Officer for CanadianBanking, TD Auto Finance, North American Credit Cards (CBAC) and DirectChannels.  Joan joined TD Bank Group in1986 and moved through various Retail Branch Banking management positions. Shecompleted the Certified Management Accounting designation in 1999. In 1996 Joanjoined Finance for the Retail Bank and worked in various Finance roles untilOctober 2003 when she joined the Term Investment group. Her portfolio includedregistered and unregistered Term investments and Retirement Income Fundproducts. In July 2005, Joan became the District Vice President for themid-town branches of the Central GTA region of TD Canada Trust, responsible fordriving results for 19 branches. In November 2006 Joan took on the role of VicePresident of Real Estate Secured Products with responsibility for the Mortgageand Home Equity Line of Credit business. She was later appointed Vice Presidentof Product Delivery and Servicing for the On-line Channel with a mandate toprovide TD Bank Financial Group customers with choice by delivering all TDproducts online.  Joan is a Graduate ofthe University of Western Ontario with a Statistics Degree, is a CertifiedManagement Accountant, an Ivey School of Business Executive MBA and hasrecently completed the Certified Anti-Money Laundering Specialist (CAMS)certification.  Joan is married with twochildren, a marathon runner and a beginner to the triathlon.