Bridgewater Bank
Suite 150, 926 – 5th Avenue SW
Calgary, Alberta T2P 0N7

Who we are

We manage over $2.5 billion in residential mortgages and deposits, representing over 40,000 accounts across Canada. Headquartered in Calgary, we are a Canadian Schedule I chartered bank with Western Canadian roots. We were established in 1997 as a wholly-owned subsidiary of Alberta Motor Association (AMA), the largest membership service organization in the province.

And 25 years later, we’re still rolling up our sleeves and using our expertise to find solutions—no matter how unique or challenging the situation. We’re just getting started.

What we do

We specialize in competitive residential mortgages and deposit products through a select network of brokers. Our alternative lending solutions are specially designed for clients with non-traditional sources of income. Plus, with great rates on Guaranteed Investment Certificates (GICs) and High-Interest Savings Accounts (HISAs), we make it easy to safely grow your money.

Above all, we aim to make homeownership attainable and saving simple.


We listen. Like you, we’re everyday people who understand that real-life is imperfect. Wouldn’t it be nice if we did everything right, all the time, and never took a financial misstep? Sometimes life hands you lemons, and we’re really good at making lemonade. Because we specialize in self-employed clients, those who earn income in less conventional ways, and those who have bruised credit, we’re a non-judgmental financial ally on your journey.

Unlike a traditional bank, we have no branches. This means less time managing logistics and more time focussed on you and our ‘why’ – helping you succeed. Our focus is providing honest, straightforward service and financial solutions for everyday living and important life events.

We’re financial service experts with flexible mindsets. Being a smaller bank makes us nimble, and that means we can respond quickly with innovative approaches that don’t need to go through multiple levels of approvals.

Our customers are everything. When you become a customer of Bridgewater Bank you’re like our neighbour – even family – and we treat you that way.


You can know a lot about people by the company they keep. We’re proud to be members of these excellent industry organizations:


Bridgewater Bank received its bank license on January 1, 2006. As a federally regulated financial institution, we’re subject to the same regulatory and compliance requirements as all Canadian chartered banks. Regulated by the Office of the Superintendent of Financial Institutions (OSFI), we hold membership in these regulatory organizations:

Reach out to us

Whether you need a Smart eSavings Account™ or an alternative mortgage – or even if you just want to run a few questions by us – feel free to contact us. The pleasure would be ours.

Executive Profiles

  • Peter O'Neill, FICB, AMP – Chief Operating Officer

    With Bridgewater Bank since 2004, Peter O’Neill was part of the influential and successful team that obtained the bank’s Schedule I charter. He is responsible for the overall strategic direction and operations of the bank.

    Peter’s career includes more than 40 years of banking experience, with senior roles at RBC and ATB Financial. He has led over 800 employees within multi-disciplinary teams in urban and rural settings. He has significant expertise in the areas of strategic planning, human resources, retail banking, business banking, alternative distribution channels, customer contact centres, wealth management and dealer direct auto financing.

    Peter is a Fellow (Honours) of the Institute of Canadian Bankers, holds the ICB Professional Bankers designation and is an Accredited Mortgage Professional through Mortgage Professionals Canada. Within the Canadian Bankers Association, Peter is a member of the Executive Council and the National Housing Forum. Peter is also Co-Chair of the Domestic Bank Executive Committee.

  • Shelly Flint, CPA, BComm – Vice-President, Strategic Initiatives

    Shelly Flint will lead Bridgewater Bank’s growth relating to strategic initiatives and new opportunities while keeping innovation at the forefront for all new products and services. She is directly responsible for Business Intelligence and Product, Marketing & Communications.

    Shelly has over 25 years of deep expertise in the banking industry. With thoughtful leadership, she has led executive-level teams at ATB Financial, Bank West and most recently at The Calgary Stampede. She is a skilled adapter of innovation for business advantage, with a proven track record for strategic development and successful execution.

    Shelly is a Chartered Professional Accountant, holds a Bachelor of Commerce degree from the University of Alberta, and has an Artificial Intelligence certificate from the MIT Sloan School of Management Executive Education Program.

  • Scott Sanders, BAdmin – Vice-President, Service & Operations

    Scott Sanders is responsible for optimizing operational efficiency of Bridgewater Bank’s products and services. He is directly responsible for operational risk management, mortgage operations, deposit operations, information technology, customer service, direct sales and human resources.

    Scott has over 25 years of experience in customer service management, operations management and project implementation within the banking industry. His early career included a 17-year long stay at CIBC where he held roles at the branch, district and regional levels. Over his career, he has lead portfolios – at the executive level – including human resources, marketing, product and employee engagement.

    He holds a Bachelor of Administration from Lakehead University.

  • Robin Klein, CPA, CA, BComm – Vice-President, Finance

    Robin Klein is responsible for the development and implementation of business strategies, managing the financial and regulatory reporting requirements, managing the liquidity requirements and the asset spread and interest rate risk policies for Bridgewater Bank.

    She has 18 years of experience in public accounting, audit and financial reporting. Prior to joining the bank in 2011, Robin held positions at the Investment Industry Organization of Canada, Global Captive Management and the Provincial Auditor of Saskatchewan.

    Robin is a chartered accountant, holds a Bachelor of Commerce from the University of Saskatchewan and is a member of the Saskatchewan and Alberta Institute of Chartered Professional Accountants.

  • Jason Provencher, BBA – Vice-President, National Sales

    Jason Provencher is responsible for sales delivery and relationship management of the Bank’s B2B channels.  This includes the development, management and execution of the Bank’s various B2B product and service portfolios including mortgages and deposits. Regulatory and compliance responsibilities include analysis of business and impacts to stakeholders.

    Jason has over 25 years of experience in financial services. Before joining Bridgewater Bank, Jason’s career began in retail banking at ATB Financial. Since joining the bank, Jason successfully applied his leadership skills by managing high volume funding operations and helped establish the broker-sourced model that has served the bank for more than two decades.

    He earned his Bachelor of Business Administration in management from Athabasca University. He is an elected Alberta Mortgage Brokers Association board member and has completed multiple programs through the Institute of Canadian Bankers.

  • Dave Fromow, CFA, MBA – Vice-President, Enterprise Risk

    Dave Fromow is responsible for Bridgewater Bank’s enterprise risk management, with specific emphasis on lending policy, risk governance, regulatory compliance, corporate security, internal controls, legal recoveries, and fraud mitigation.

    Over the last ten years in the finance industry, Dave has held senior roles at 1st Choice Savings, Connect First Credit Union and First Calgary Financial. His expertise in securitization, credit assessment, delinquency management and financial analytics, have fueled swift advancement over his career. His career in banking has included leadership in the areas of finance, risk, treasury and analytics.

    Dave is a chartered financial analyst and a member of the CFA Society Calgary. He also holds a master’s degree in business administration from the University of Calgary.

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