Janet Cosier is a fellow chartered professional accountant in Canada. She was previously an adviser to the governor on strategic planning, and chief risk officer at the Bank of Canada. Cosier also served as chief financial officer and chief internal auditor during her 30-year career at the bank. For 10 years, she served as the chair of the board of directors of the Canadian Payments Association. Janet is currently leading, as a session chair, three seminars at the Central Banking Institute.