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

About

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Who we are

We manage over $3.3 billion in residential mortgages and deposits, representing over 53,000 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 today, 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.

WHY US?

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.

Partners

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

IN CASE YOU’RE WONDERING

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

  • Dave Fromow, CFA, MBA – President

    Dave brings over fourteen years of senior leadership experience in the financial services industry, with a deep expertise in securitization, credit assessment, delinquency management, and financial analytics. Throughout his career, he has successfully led critical functions across finance, risk management, treasury, and analytics, showcasing his versatility and strategic banking insight. 

    Dave is a Chartered Financial Analyst (CFA) and a member of the CRA Society of Calgary. He holds a Bachelor of Commerce degree, Finance Specialized, and a Master of Business Administration (MBA), both from the University of Calgary. These academic achievements have solidified his foundation in leadership and financial management. 

    As President of Bridgewater Bank, Dave oversees the bank’s overall strategic direction, ensuring that all functions align with the institution’s long-term vision. He plays a pivotal role in guiding Bridgewater Bank through the complex financial landscape, with a focus on driving growth, enhancing operational efficiency, and ensuring regulatory compliance. 

  • Robin Klein, CPA, CA - Chief Financial Officer

    Robin brings over 20 years of experience in public accounting, audit, and financial reporting, making her a vital asset to Bridgewater Bank. Her extensive financial management and compliance expertise has been key to her success in the industry. 

    Robin is a Chartered Accountant and holds a Bachelor of Commerce from the University of Saskatchewan. She is a member of both the Saskatchewan and Alberta Institutes of Chartered Professional Accountants, demonstrating her strong commitment to the accounting profession. 

    As Bridgewater Bank’s Chief Financial Officer (CFO), Robin is responsible for developing and implementing the bank’s business strategies, managing financial and regulatory reporting, overseeing liquidity requirements, and guiding the bank’s asset spread and interest rate risk policies. Her financial stewardship ensures the bank’s stability and long-term growth while meeting all regulatory requirements. 

  • Graham Kent FSA, FCIA, CERA - Chief Risk Officer, Chief Compliance Officer

    Graham holds a Bachelor of Science degree in Actuarial Science and Economics from the University of Waterloo, which has laid a strong foundation for his expertise in both financial and non-financial risk. Over the course of his career, Graham has gained a wealth of experience in risk management, serving in various senior leadership roles within the financial services industry. 

    Graham is a Fellow of the Society of Actuaries, a Fellow of the Canadian Institute of Actuaries, and a Chartered Enterprise Risk Analyst, reflecting his deep commitment to the discipline of risk management. 

    As Chief Risk Officer at Bridgewater Bank, Graham is responsible for overseeing the bank’s risk governance, regulatory compliance, corporate security, internal controls, and fraud mitigation efforts. His leadership ensures that risks are properly identified and addressed, safeguarding the bank’s stability and integrity. 

  • Patrick Rea B.A, LL.B, J.D - General Counsel, Chief Privacy Officer, Chief Anti-Money Laundering Officer

    Patrick holds a Bachelor of Arts in Political Science and Economics from the University of Calgary, an LL.B from the University of Windsor, and a J.D from the University of Detroit. With a solid legal education and background, Patrick joined Bridgewater Bank in 2016 as Manager of Legal Services. His expertise and leadership quickly propelled him to Senior Manager, Legal and Recoveries and later to Director of Legal where he became an integral part of the executive team.

    As the bank’s General Counsel, Chief Privacy Officer (CPO), and Chief Anti-Money-Laundering Officer (CAMLO), Patrick manages and oversees Bridgewater Bank’s legal affairs. As CPO, he leads the development and implementation of policies designed to safeguard employee and customer data.

  • Steve Leishman - Director, National Sales

    Steve has been an integral part of the Bridgewater Bank family for the past five years, beginning his journey as a Business Development Manager. His consistent success in exceeding targets, combined with his broad industry knowledge, has been instrumental in his rise within the organization. With nine years of experience in mortgage origination, Steve has developed deep expertise in financial services.

    A dedicated member of Mortgage Professionals Canada (MPC), the Alberta Mortgage Brokers Association (AMBA), and the Canadian Mortgage Brokers Association (CMBA), Steve actively contributes to the advancement of the mortgage industry.

    As Director of National Sales, Steve leads the bank’s sales team, driving the development and implementation of products, policies, and mortgage broker programs that foster successful, long-term partnerships.

     

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