It's a challenging job being a CEO of Smaller Financial Institution. You have all the challenges of large banks but few of the resources.

OpFin is a specialized advisory firm that works with the CEOs of financial institutions with less than US$5 billion in assets. We help optimize the key processes that drive revenue and reduce risk.


Why? Because experience has shown us that this is the most effective way of driving margins in the short term without adding cost to the business.

As you will see from our profiles below, the team has deep expertise in revenue optimization, risk and credit. We are straight-talking and we get things done.


Fred Kelly


Financial services growth specialist. As CEO, Fred led the turnaround of Conister Bank, tripling sales from £6.5 million to £19.8 million

Fred has worked in many areas of banking (including mergers & acquisitions, corporate, asset and leverage finance) in Australia, Chile, the Netherlands and the UK


Jonathan Woods


Financial services process engineer having worked in PricewaterhouseCoopers, Deloitte and Commonwealth Bank.


Jonathan has deep expertise in Technology Risk, Enterprise Risk Management, Internal Audit, and Operational Risk Management


Chris Gifford


Credit risk modelling expert. Chris has held the roles of Chief Credit Officer, Chief Risk Officer and lead credit rating analyst. He was also senior manager at the Office of the Superintendent of Financial Institutions of Canada (OSFI), manager internal risk ratings systems for SunLife and a credit rating analyst at DBRS. Chris possesses highly developed data science skills, applied to uncovering risk insights and building risk rating and pricing models