Michael Follett

Experienced Financial Services Professional with 8+ years in retail banking, wealth advisory, and regulatory compliance, complemented by hands-on experience in safety-critical, highly regulated engineering environments. Proven ability to manage complex client relationships, assess risk, ensure procedural compliance, and perform under pressure. Recognized for integrity, sound judgment, strong documentation practices, and accountability in high-liability roles.

Seeking a return to financial services in an advisory or wealth management capacity.

Signal Maintenance & Engineering Technician at Canadian National Railway (CN) (2020-01 – Present)

• Operate in a safety-critical, regulated environment requiring strict adherence to procedures, documentation, and compliance standards
• Identify operational risk, assess hazards, and take corrective action to protect public and organizational safety
• Perform inspections, testing, and preventative maintenance on critical infrastructure systems
• Complete detailed reports and compliance records subject to internal and external audit
• Coordinate with supervisors, dispatch, and external agencies while respecting chain of command
• Demonstrate calm judgment and accountability during urgent call-outs and time-sensitive incidents

Financial Advisor / Backup Branch Compliance Officer at The Bank of Nova Scotia (Scotiabank) (2016-08 – 2022-02)

• Managed a multimillion-dollar client portfolio providing investment, credit, and financial planning solutions
• Served as Backup Branch Compliance Officer supporting AML, KYC, fraud prevention, and internal control processes
• Conducted structured client interviews and reviews to assess suitability, risk tolerance, and financial objectives
• Identified irregular activity and supported mitigation of compliance and reputational risk
• Prepared accurate documentation supporting audits, reviews, and regulatory requirements
• Mentored peers on compliance standards, documentation quality, and professional conduct

Financial Advisor (Entry Level) at The Bank of Nova Scotia (Scotiabank) (2014-02 – 2016-07)

• Conducted financial needs assessments and built long-term client relationships
• Applied the 5 C's of Credit to support objective lending and risk decisions
• Delivered banking, lending, and basic investment solutions aligned with client goals

Insurance Agent at American Income Life (2013-06 – 2013-10)

• Conducted one-on-one consultations explaining insurance products and risk protection
• Built trust through ethical conduct, transparency, and clear communication

Bachelor's Degree in Accounting & Business Management – University of Western Ontario

Diploma in Business Administration – Lambton College

Accreditation in Accounting & Payroll Administration – Toronto School of Business