Meet Our Team

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About

PHL Financial Group Ltd. is registered as an Exempt Market Dealer (“EMD”) in British Columbia for the purpose of offering investments in syndicated mortgages originated by PHL Capital Corp. and Class A Preferred shares, being prospectus-exempt securities, issued by MortEq Lending Corp., and Oakhill Lending Corp. to persons (individuals, corporations and other legal entities) that are relying on an exemption available to them from the prospectus requirement under NI 45-106.

Meet Our Team

CEO & Ultimate Designated Person

Steve Ponte

Mr. Ponte is the Ultimate Designated Person (UDP) of the Firm. He is also a Co-Founder and Director of MortEq Lending Corp, Oakhill Lending Corp, and PHL Capital Corp. Mr. Ponte is also the current President of the BC MIC Managers Association (BCMMA), whose membership includes some of British Columbia’s largest and most reputable Mortgage Investment Corporations. He is on the Credit Committee for MLC & OLC with over 15 years of combined financing, construction and development experience. Mr. Ponte holds a Bachelor of Business Administration degree from Simon Fraser University with a focus on Finance and Marketing.

Chief Compliance Officer

Sanj Westin

Mrs. Westin manages the compliance department at PHL Financial Group Ltd. (PFG). Some of her responsibilities include: supervision of Dealing Representatives, approve/reject all new accounts, review KYC documentation, provide oversight on marketing materials, provide guidance on the Firm’s Know-Your-Product process, communicate all regulatory changes to personnel and investigate any client complaints.

Prior to joining PHL, Mrs. Westin was part of the Audit & Assurance Group at PricewaterhouseCoopers LLP in Vancouver. Mrs. Westin has obtained her Chartered Professional Accountant (CPA) designation. She also holds a Bachelors of Business Administration (BBA) from Simon Fraser University with a concentration in Accounting and Entrepreneurship & Innovation. During her undergraduate studies, she served as Vice President of the Young Women in Business (YWiB) organization.

Vice President & Dealing Representative

Ravi Munday

Mr. Munday is registered as a dealing representative of the Firm and offer clients of PFG an opportunity to invest in MLC & OLC where it is suitable for them to make the investment. Mr. Munday is the Vice President of Investments and has been with the Firm since 2015. He oversees and manages the quarterly share offerings and reports filed in accordance with the British Columbia Securities Commission, communicating with investors with any questions regarding their investment in PFG, and preparing portfolio reporting provided directly to the executive team. He has over 10 years of real estate experience in commercial financing, development and construction. Mr. Munday holds a Bachelor of Commerce degree from the University of Northern British Columbia with a double-major in Finance and Business Administration.

Dealing Representative

Karmel Hasel

Ms. Hasel is registered as a dealing representative of the Firm and offer clients of PFG an opportunity to invest in MLC & OLC where it is suitable for them to make the investment. She oversees the documentation process to ensure compliance. Ms. Hasel has in-depth knowledge of the mortgage side of the business as she previously managed the mortgage renewal process. She brings extensive experience in event coordination to the company, using her attention to detail and planning skills for the Annual Investor Meeting’s. Ms. Hasel is currently the chair of The Lending A Hand Society charitable fund committee and thinks it is very important to give back to the community. She also volunteers as a Big Sister for the Big Sisters of BC Lower Mainland.

DEALING REPRESENTATIVE

Brianna Ahluwalia

Ms. Ahluwalia is registered as a dealing representative of the Firm and offer clients of PFG an opportunity to invest in MLC &OLC where it is suitable for them to make the investment. She helps coordinate the execution of essential documents for PFG shareholders. Ms. Ahluwalia comes from a background of retail banking at TD Canada Trust, gaining extensive and valuable knowledge about the finance industry. She also holds a Bachelor’s of Sociology from Simon Fraser University.