Bhavna Kaushal

Bhavna Kaushal is a seasoned executive with extensive experience across the Banking, Retail, Financial Services, Payments, Loyalty, and Fintech sectors. Currently serving as Principal & Lead Executive at BK Advisory & Fractional, Bhavna provides specialized advisory and management services, focusing on strategy development, business partnerships, product innovation, and digital financial services. Prior roles include Vice President positions at Scotiabank, overseeing strategic partnerships and payments, as well as at Berkeley Payments, where Bhavna led payment strategy and partnerships. Engagements with the Canadian Prepaid Providers Organization and ACT Canada demonstrate a commitment to industry leadership. Bhavna holds an MBA from Schulich School of Business and a B.Com from Ryerson University, along with specialized executive education from Duke University.