Niro Kandasamy joined TD Insurance in 2016 and brings 16+ years of insurance experience spanning finance, performance management, and strategy. Niro leads the end-to-end fraud lifecycle, overseeing SIU, fraud operations, and intelligence, and advances technology-enabled detection through analytics, ML/AI, and digital forensics. A regular voice in fraud awareness, he translates complex schemes into practical guidance for colleagues and customers, strengthening referral quality, timely triage, and collaboration across TD and industry partners.

Heather leads the Fraud Awareness Strategy at TD Insurance, where she’s driving national efforts to strengthen fraud education and prevention. She’s passionate about helping people protect themselves and has created practical programs that make it easier for customers and colleagues to spot and respond to emerging fraud risks. Heather has built strong networks of fraud champions and delivered impactful campaigns that keep awareness front and center. With a forward-thinking approach, she’s committed to creating a more fraud-resilient insurance industry.

David Bedard is a senior learning and cybersecurity awareness leader known for transforming complex risk and security concepts into engaging, behavior-changing experiences. He has led high-impact cybersecurity and risk education programs for large, regulated organizations, driving measurable increases in engagement, adoption, and security-first mindsets.

Blending deep expertise in learning science, change management, and human-centric security, David delivers insight-packed sessions that resonate with audiences at every level. His dynamic, story-driven speaking style brings cybersecurity to life, turning awareness into action and culture into capability.

David is widely recognized for launching innovative awareness campaigns, modern microlearning portfolios, and experiential programs that are relevant and impactful.