Born and largely raised in Canada, Andy has also lived in other parts of the world. He is a Certified Risk Manager (CRM), Chartered Insurance Professional (CIP) and a graduate of both the University of Western Ontario (MA) and Trent University (BA, Honors). Andy considers himself to be a ‘jack of all trades,’ and currently resides with his family in Whitby, Ontario. A believer in restoration, he can often be found tinkering on some old cars in the garage. As a former plumber’s assistant and history teacher, who is well-versed in enterprise-wide risk management, he also knew where to look for “what’s wrong” with the faulty structures behind the façade of ailing institutions worldwide!