Election for Crosstown Civic Credit Union’s Board of Directors

Each year Crosstown Civic Credit Union members elect candidates to the office of Director on the Board of Directors. Voting for these Board positions can be completed online through our secure voting website or by mail-in ballot which you will receive within the first two weeks of February.




It is the practice of the Nominations Committee to reach out to our membership to encourage all qualified candidates to consider running for our Board. On September 10, 2018, the Committee sent out a call to the membership for qualified candidates to serve on the Board. At the close of the Call for Nominations on October 19, 2018, and after applicant interviews, the Board has put forward four nominees to fill three vacancies.

Through a structured review and interview process, the Nominations Committee considered the candidates against the specified skills and experience needed for the Board. It was concluded that these four individuals met all of the qualifications as set out in our bylaws, and best matched the Credit Union’s needs. These individuals included incumbent Directors Don Enns, Ingrid Loewen, and John Zacharias, and a new candidate, Donovan Toews. These candidates demonstrate a great fit with our values, and possess the required skills and experience, particularly in the areas of community leadership, and financial and business acumen.

Don Enns


Don Enns

As a member of our credit union for more than thirty-five years, I would very much appreciate the opportunity to return to the Board of Directors and continue serving the membership of Crosstown Civic Credit Union.

I possess a Master of Business Administration (MBA) degree, a Post Baccalaureate Diploma in Management, and an Honours Certificate in Project Management ultimately completing course work in economics, organizational behavior, structural leadership, financial management, and ethical decision making. Consequently, I was originally elected as a Civic Credit Union director in 1999, and was later instrumental in the Crosstown and the Civic Credit Unions merger of 2007. Having served with both boards, I believe I bring considerable credit union administrative experience to the membership in addition to being fully qualified as a director having successfully completed the Credit Union Director Certification Program.

Presently I am a Fire Operations Chief with the Winnipeg Fire Department having continuously served the citizens of the City of Winnipeg for many years. I also possess considerable emergency mitigation and risk management expertise having also served as the Emergency Social Services Manager for the East St. Paul Emergency Preparedness Committee. I instruct eLearning fire service-related undergraduate degree courses in organizational strategic planning and in financial management for the Justice Institute of British Columbia (JIBC), and for Dalhousie University.

If elected I would be deeply honoured to serve the membership subsequently promising to bring enthusiasm and unwavering dedication to this position.


Ingrid Loewen


Ingrid Loewen

A long-time member of Crosstown Civic Credit Union and a professional accountant with extensive leadership experience and knowledge of the financial services industry, I am honoured to be nominated to serve a second term on the Board of Directors.

With a B. Comm (Honours) and a Chartered Accounting designation from Clarkson Gordon (now Ernst & Young), I started a 25-year career with a large Manitoba crown corporation, holding leadership positions, including Chief Audit Executive and Chief Financial and Strategy Officer. Responsibilities included governance, strategy, internal audit, privacy, social responsibility, and communications. Thereafter I spent three years assisting Great-West Life’s internal audit leadership in addressing escalating requirements of regulators of financial institutions and successfully completed several small contracts with not for-profit organizations, providing assistance with board governance and strategic planning.

Throughout my career I held numerous board positions for professional associations, church council, Multi-Material Stewardship Manitoba, which funds blue box programs, and the Bethania Group, which provides care and housing to seniors. At Crosstown Civic, I served on the Governance, Audit and Risk, and Board Evaluation Committees. I currently serve as Board Chair and recently completed the Credit Union Director Achievement Program.

My husband Rick and I are members of Douglas Mennonite Church and enjoy spending time at our cottage with family and friends. I am excited about the opportunity to continue to serve the members of Crosstown Civic as the Credit Union continues to adapt to meet member needs in our ever-changing environment.


Donovan Toews


Donovan Toews

I’ve been a member of the Credit Union for 30 years and appreciate the quality, personal service provided to members amidst the growth we have seen in the recent past. There are two areas of focus that I think are important for the credit union going forward.

First, we need to continue finding ways to attract younger generations by meeting the unique expectations they have of the financial services sector. Second, we need to continue to find ways to stay technologically current, while being mindful of the costs of pursuing such excellence.

I believe that the skills and accomplishments gained throughout my career and life, will position me well for serving on the board. I can help the board by providing important strategic insight, analytical ability and by lending communication and facilitation skills to the group.

I am an urban planner and principal owner of Landmark Planning & Design, a local land use planning consulting firm in operation since 1996. I hold a Bachelor of Science in Geography and a Master’s Degree in City Planning. I have served on a number of boards - as Vice President of the Canadian Institute of Planners, President of the Manitoba Professional Planners Institute and Deputy Presiding Member of the Manitoba Surface Rights Board. I am married with three children and have enjoyed volunteering in the community as an athletic coach for various sports. I would consider it both an honour and a significant pursuit to serve as a member of the board.


John Zacharias


John Zacharia

I am a Chartered Professional Accountant and have been in private practice since 1978. During those years, I have worked with many businesses in manufacturing, construction, retail and service industries helping them with their accounting, financial and tax planning needs.

I have served on various boards including the Society of Management Accountants of Manitoba, Westgate Mennonite Collegiate and as treasurer of the North Kildonan Mennonite Church.

As a Director of Crosstown Civic Credit Union, I have participated on the Nominating Committee, Credit Committee and currently I serve on the Audit and Operational Risk Committee, as well as, the Credit and Market Risk Committee.

My experience with the business community has been an asset to the Board. I have been a member of Crosstown Civic for more than 45 years and I believe in the value our credit union has to offer our community.
I have enjoyed my work on the board and would be honored to continue serving the membership with integrity and enthusiasm.

The financial service industry is continually evolving and I look forward to meeting the challenges of the future in the coming term.





Annual Report available March 4, 2019

Jascha Boge

Jascha is a P. Eng., and graduated from the University of Manitoba with a B. Sc. degree in Civil Engineering. He is a member of the Association of Professional Engineers and Geoscientists of Manitoba. Jascha’s principal occupation is Secretary-Treasurer of Langreen (2005) Ltd., a construction company that builds commercial and industrial projects in Manitoba and North West Ontario. He serves Crosstown Civic Credit Union as Chair of the Board of Directors and sits on the Executive and Governance, as well as the Loan Committee. Jascha also serves the community at large as a member of the Executive Committee of Rainbow Stage, Winnipeg’s well-known musical theatre company. Jascha and his wife, Hildi enjoy spending family time with their 6 children and 14 grandchildren.

Henry Dyck

Henry has had a career with the City of Winnipeg as a senior manager in the Planning, Property and Development Department, as well as consulting in areas of Legal Land Surveying, Property Development and Real Estate. Henry is a Professional Land Surveyor and has served as President of the Association of Manitoba Land Surveyors. He has served on various boards including Chair of the Westgate Mennonite Collegiate Board of Directors.

Henry has and continues to be involved in a variety of community organizations and/or projects that include Charleswood Mennonite Church, Westgate Mennonite Collegiate, Canadian Mennonite University, Mennonite Central Committee (MCC) and Community Housing developments. Major property development and building projects were undertaken during his leadership. Henry’s experience, knowledge and dedication in this area has been an asset to the Board and in the strategic planning and the establishment of the St. Anne’s Road, Pembina Highway, Portage Avenue (St. James) and the McPhillips Street branches. Crosstown Civic CU now has nine branches to better serve its members throughout the City.

Henry is a long time Crosstown Civic member, an active Board member and has been on the Executive, Nominating, Branching, Building (Chair) and Loans Committees. Henry has the vision, experience, energy, time and motivation needed to help continue leading Crosstown Civic to move forward into the future and stay strong. Henry and his wife Elsie have two married children and six grandchildren. Henry and his wife enjoy spending time with family, the Arts, sports, volunteering, travelling and the cottage.

Catherine Burns

Catherine Burns has served on the Board of Crosstown Civic Credit Union for six years. She Chairs the Audit and Risk Committee and has participated in the Performance Review and Evaluation Committee and Nominations Committee. Catherine has recently completed the Institute of Corporate Directors-Rotman Director Education Program and attained her ICD.D.

Catherine is a Chartered Accountant with over 30 years of experience in consulting, finance and administrative leadership positions. Her industry experience includes insurance, post-secondary education, telecommunications, health care, retail and publishing in private, public and non-profit organizations.

Catherine is currently the Interim CFO for Diagnostic Services Manitoba (DSM), a $200 million operation providing laboratory and imaging services at 77 diagnostic sites throughout Manitoba. She has worked for DSM for over seven years in a variety of leadership positions related to financial governance, organizational performance, change management and enterprise risk management.

Alan J. Janzen
Vice Chair

Alan is currently "self-deployed" after a career in education which involved teaching at all levels of public school and culminated in 23 years with Manitoba Education's Curriculum Branch as a consultant, assistant director and director. He has also been a long standing credit union board member, having served 12 years as Board Chair (president) of Crosstown Credit Union, and subsequently has been active in every aspect of committee work with Crosstown Civic Credit Union. He is currently Board Vice-Chair and Chair of the Performance Review Committee. Alan holds B.A., B.Ed., and M.Ed. degrees from the University of Manitoba. Alan enjoys spending quality time with his family, is active in his church community, and enjoys choral singing and volunteering with The MCC.

Ellie Krahn

Ellie became a member of the credit union in 1971 and joined the Board in 2000. She has served in many capacities including the Personal Committee, President of the Safeway Credit Union Board from 2003 until amalgamation with Civic, as Vice President of Civic Credit Union from the Civic/Safeway amalgamation to the Crosstown Civic amalgamation. With Crosstown Civic she has served on the Executive, Loans, Nominating, and Building Committee's. She has completed the required Credit Union Director Achievement Program as well as many optional training modules.

Randy Schartner

Randy has founded/co-founded four entrepreneurial start-ups over the past 15 years. The most successful one was purchased by Priceline.com, a public, multi-national company. He is currently the President of Priceline Partner Network and oversees its Winnipeg office and manages key accounts for the company, which has seen tremendous growth over the past six years. Randy is also a Real Estate and Development entrepreneur.

Don Enns

Don has been a member of our credit union for more than thirty five years. Don possesses a Master of Business Administration (MBA) degree, a Post Baccalaureate Diploma in Management, and an Honours Certificate in Project Management. Don has also completed extensive course work in organizational behavior, strategic planning, financial management, and ethical decision making. Don is a District Chief with the Winnipeg Fire Department and an instructor for both Dalhousie University and the Justice Institute of British Columbia, facilitating fire service based administrative course delivery to students across Canada while utilizing an online platform.

John Zacharias

John is a Chartered Professional Accountant and has been in private practice since 1978. During those years, he worked with many businesses in manufacturing, construction, retail and service industries assisting them with their accounting, financial and tax planning needs. He also served on various boards including the Society of Management Accountants of Manitoba, Westgate Mennonite Collegiate and treasurer of the North Kildonan Mennonite Church. John and his wife Helen have been members of Crosstown Civic Credit Union for more than forty-five years.

Ingrid Loewen

Ingrid is a Chartered Accountant (1986) with a Bachelor of Commerce, Honours Degree (1983) from the University of Manitoba. For 25 years she worked for one of Manitoba’s largest crown corporations in leadership positions including the Chief Audit Executive and Chief Financial and Strategy Officer with a wide range of responsibilities including governance, strategy, finance, internal audit, privacy, social responsibility, and communications. Ingrid has extensive experience with board governance as an executive responsible for board processes and a board/committee member for various professional associations, not-for-profit organizations and Church Council.

Mona Forsen

Chief Executive Officer

Prior to joining Crosstown Civic, Mona held executive leadership roles within the Manitoba credit union system, and a variety of management roles with a major Canadian bank. She holds a Master of Business Administration and Bachelor of Commerce (Honours) degree from the University of Manitoba. As Chief Executive Officer, Mona believes that Crosstown Civic is all about helping our members achieve their financial goals and that this is only accomplished by caring about and investing in CCCU employees, members and the local communities we serve. Mona and her husband Ward enjoy traveling and participating in many sporting activities.

Bernice McClintock

Chief Operating Officer

Bernice has worked within the credit union system in various leadership roles for over 20 years. She is passionate about optimizing our members’ experiences within our credit union. She holds her Certificate in Management (Honours) and a Professional Management designation, and has been recognized as a leader in her field. Bernice is actively involved in the community, and has served on the board of The Elizabeth Fry Society, Community Credit Counselling, and The Manitoba Marathon. Bernice volunteers for Manitoba Cancer Care, Siloam Mission and Canadian Blood Services. Bernice and her husband Phil are actively involved in the many outdoor sporting events Winnipeg has to offer.

Brent Berzuk

Chief Governance & Risk Officer

Brent has been employed in the financial services field his entire career, initially in various branch banking roles with major Canadian Chartered Banks, and more recently for almost a decade in the Manitoba Credit Union system in areas of specialized project work and risk management. Brent is a graduate of the University of Manitoba where he obtained his B.Comm (Hons) degree, and he also holds his Canadian Risk Management designation (CRM) awarded through the Global Risk Management Institute. Brent was born and raised in Winnipeg and enjoys raising his two boys with his wife Cindy.

Joël Bosc
Chief Financial Officer

Joël joined Crosstown Civic Credit Union in 2007 as its Chief Financial Officer. Prior to joining the credit union, Joël held various senior accounting and finance roles, including five years as director of finance at a Manitoba caisse populaire. Joël is a CPA,CA, having attained his Chartered Accountant designation while working with Ernst & Young’s Winnipeg office, and also holds a Bachelor of Commerce (Honours) degree from the University of Manitoba.

Neil Enns
Commercial Department Manager

Neil Enns is the Manager of the Crosstown Civic Commercial Department and has been employed by the credit union for over 26 years. He has seen the commercial department grow from about $2,000,000 in size to its current portfolio of over $700,000,000. Neil has a degree from the University of Manitoba, Faculty of Business with a major in Finance. He is married to his wife Patty and they have three wonderful daughters.

Rick Yallits
Chief Information Officer

Rick is the CIO of CCCU. He has been employed by CCCU since 2010 but has been involved with CCCU and their IT since the early 90’s, when there were only four branches. Prior to 2010, Rick spent the previous 17 years working for another company which provided IT services to many CU’s within the province, of which CCCU was one. Rick has a diploma from RRCC in Business Administration as well as a Certificate from RRCC in Computer programming.

Deborah Harri

Deborah’s is a corporate governance professional with over 20 years of experience. She was formerly an executive and member of the leadership team of the Canadian Wheat Board. Deborah also served as Corporate Secretary of the CWB for 10 years, which involved advising and working closely with an elected board. She has formal director training and is an accredited director with an ICD.D designation from the Institute of Corporate Directors (ICD)-Rotman School of Management Directors Education Program.

Deborah is currently chair the board of the Manitoba Lung Association and also serves on the Executive of the Manitoba Chapter of the ICD, on the advisory board of NovaTuri Group and on the Governance Renewal Subcommittee of the Canadian Lung Association.

Deborah holds a Bachelor of Commerce (Honours) degree from the University of Manitoba and has taken numerous corporate governance courses.

Ken Braun

Ken Braun is the General Manager of a large home builder in Winnipeg. Previously he spent most of his career in the concrete business, culminating in a General Manager role. In this role he oversaw four production facilities and a large logistics network. He obtained a Bachelor of Commerce (Honours) and a Master of Business Administration from the Asper School of Business at the University of Manitoba. To enhance his formal education, Ken broadened his leadership skills through numerous courses including the Dale Carnegie Leadership Training for Managers as well as a Mannaz Management Program in Malaysia. These training opportunities, along with escalating managerial responsibilities, gave him tools needed to lead an organization. In addition to his professional experience, Ken has served on the board of directors for three not-for-profit organizations, which include two separate roles as committee chair. Serving in his local community has been fulfilling and rewarding. Ken has been a Crosstown Civic Credit Union member since his parents first took him to open an account as a child. This is the only financial institution he has ever used. His 10 and 8 year old daughters recently became members, proudly carrying on the family tradition. When he is not working or volunteering, he enjoys golf, travelling with his family or simply watching Netflix with his wife.