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David Cluff

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David Cluff, Executive Vice President, Enterprise Risk Management and Chief Risk Officer

David Cluff joined Home Capital in 2012 and has since held senior positions including Vice President Enterprise Risk Management and Chief Credit Officer. Mr. Cluff brings an extensive background in credit and risk management. He was responsible for developing and leading the implementation of a credit governance framework for Home Trust Company. Prior to joining Home Capital Mr. Cluff spent 12 years at the Office of the Superintendent of Financial Institutions where his last role was Director, Credit Risk Division. During his tenure with OSFI, Mr. Cluff developed a deep understanding of the regulatory landscape for financial institutions. Mr. Cluff obtained a BComm from Mount Allison University and an MBA from St. Mary's University and is a CFA charterholder.