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Stephen Karpiuk's work experience includes:

- Senior Vice President Credit & Portfolio Management at FIRST Insurance Funding of Canada since August 2023 (ongoing)

- Vice President, Credit Risk at FIRST Insurance Funding of Canada from 2019 to August 2023

- Director, Commercial Credit Risk at Manulife Bank of Canada from 2015 to 2018

- Director, Small Business Adjudication at Manulife Bank of Canada in April 2014 to December 2014

- AVP, Credit at FIRST Insurance Funding of Canada, A Wintrust Company from June 2012 to April 2014

- Manager, Credit Risk at Macquarie Group from March 2009 to June 2012

- Structuring Manager at GE Capital from July 2008 to January 2009

- Credit Officer at Citicapital Commercial Corp from March 2005 to July 2008

- Analyst, Commercial Banking at TD from 2000 to 2005.

Stephen Karpiuk received a bachelor's degree from Wilfrid Laurier University, where they studied from 1993 to 1997. Stephen then attended the Odette School of Business at the University of Windsor from 1997 to 1999, but the degree and field of study are unspecified.