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Crystal Mo is an accomplished IT risk and governance professional with over 20 years of experience in the financial services industry. Currently serving as Director of IT Risk & Governance at Scotiabank, Crystal leads the IT governance function, develops frameworks, and manages IT and cybersecurity risks. Previous roles include Director of IT Risk at Canadian Banking Technology, Senior Audit Group Manager at TD, Senior Audit Manager at RBC, and Audit Manager at BMO, where responsibilities encompassed audit strategy development, risk management, and team leadership. Crystal began a career in technology as a Technical Specialist at HP, focusing on information security consulting. Crystal holds a B.Eng. in Electrical Engineering from Queen's University and Guangdong University of Technology.