Inverite Insights

The word “veritas” originates from Latin, signifying “truth” or “verity.” In Roman mythology, Veritas is personified as the goddess of truth, often depicted holding a mirror to symbolize reflection and transparency. This concept has transcended linguistic boundaries and continues to emphasize the fundamental principle of truthfulness. Drawing from this rich history, Inverite diligently embodies the essence of veritas in the contemporary business landscape. By meticulously unveiling the authentic financial portrait of individuals, Inverite serves as a sentinel of veracity in the dynamic realm of identity and financial verification. It echoes the ancient pursuit of truth, ensuring transparency and accuracy in navigating the intricacies of modern verification processes.

Why Inverite?

In an era where financial landscapes are rapidly evolving and the need for dynamic, reliable lending solutions is more critical than ever, Inverite Insights was born out of a vision to revolutionize the way lending decisions are made.

Traditional credit assessment methods often fall short, failing to consider the full spectrum of a borrower’s financial situation. This gap in the lending industry sparked the inception of Inverite, driven by the ambition to revolutionize lending decisions through advanced technology. Our foundational goal was to integrate the power of machine learning with comprehensive data analysis, moving beyond conventional financial histories to include a wider range of predictive indicators of creditworthiness.

This innovative approach is at the core of why Inverite was created. We aim to provide lenders with a more complete understanding of a borrower’s financial health, uncovering deeper insights and patterns that traditional methods overlook. This not only aids lenders in making more informed decisions but also broadens the opportunities for a diverse range of borrowers to gain access to necessary financial resources. Inverite stands as a beacon of financial inclusivity and innovation, continually enhancing our algorithms and data analysis techniques to meet the evolving needs of both lenders and borrowers. 




Data points




Financial Institutions

Our Team


Karim Nanji



Mr. Nanji is an accomplished senior growth, strategy, product and technology leader with a proven track record for building and commercializing world-class financial technology.

He has a significant background in retails financial services for underbanked, underserved and credit-challenged consumers in Canada, the United States and international markets. Mr. Nanji is a concept through execution leader with over 25 years of experience across start-up, growth, enterprise and Fortune 500 organizations.

Karim has a Bachelor of Arts in Economics from The University of British Columbia and a Master of Business Administration in the Management of Technology from Simon Fraser University.

Jim Chan



Mr. Chan is a well-versed technology executive with a great reputation for building world-class technology teams and infrastructures. He has over 20 years of experience leading technology teams in developing some of the most advance financial technology solutions at one of Canada’s fastest-growing companies.

Jim has a Bachelor of Applied Science from the University of British Columbia and is a registered Professional Engineer in BC.

Dallas Pretty



Mr Pretty holds a CPA, CA designation and received his BBA degree from Simon Fraser University and is a finance and management professional with over 20 years of experience in both public and private companies. Mr. Pretty and his firm, Black Tusk Advisory Services possess extensive experience in Operations, Strategic Business Development, Mergers & Acquisitions, Public and Private Financing, Internal and External Financial Reporting, Human Resources, and Facilities Management.

Estelle L’Heureux



Ms. L’Heureux has specialized in the alternative lending space for seven years with diverse experience in fund management, sales & operations management, marketing and product development.  Estelle has previously managed mortgage investments of ~$425M, including administration and defaults, cash requirements and a team of brokers. She has also spearheaded and managed a business focused on monetizing private mortgages, consumer loans and insolvency prospects.

Ms. L’Heureux completed her Bachelor of Business Administration in Accounting at Douglas College and the Mastering Fintech course at Ivey School of Business. She is a CFA charter holder and has been volunteering with the CFA Society of Vancouver since 2013.

Board of Directors

Mike Marrandino

Executive Chairman, Director


Mr. Marrandino is an experienced C-Level business consultant with a demonstrated history of over 30 years working in the management consulting industry.

His expertise includes business planning, corporate development, mergers & acquisitions, start-ups and transitioning private companies into becoming public companies on the TSXV and CSE. He currently serves as an Independent Director of Playgon games Inc., a publicly-traded company listed on the TSX Venture Exchange.

Mr. Marrandino obtained his Mechanical & Industrial Engineer Technologist education from the British Columbia Institute of Technology.

Jason Scharfe

Director of Marble, TPFM, and The Phoenix Fund


Mr. Scharfe has over 30 years of insurance broker experience including the role of Managing Director of Marsh Canada Inc., an insurance brokerage company and wholly owned subsidiary of Marsh and McLellan Companies (NYSE:MMC).

He has worked with Marsh Canada Limited for 23 years. Since mid- 2009, Mr. Scharfe has held the position of Pacific Zone Leader of Marsh Canada (Vancouver) and since 2014 he has run the Western region. Mr. Scharfe is a member of the Executive Committee of the Canadian company and of Marsh Inc. globally. His role includes that of senior insurance market liaison which entails relationship management between Marsh and the insurance market within Canada; senior relationship officer in respect to some of the major western clients and programs; responsibilities for business development and growth of the region.

Farhan Abbas



Mr. Abbas has significant entrepreneurial and financial services experience. His early career included roles at RBC Capital Markets, Manulife and State Street. Today, he serves on the Board of Directors of FutureVault Inc., a B2B2C white label digital Personal and Business, Life Management solution utilized by financial services organizations to acquire, retain and reward customers. He has consulted and provided capital markets advice to a number of publicly listed companies. His primary occupation is as CEO of PLK Holdings Inc., a private company which owns and operates fast food franchises across, Alberta, BC and Ontario. Mr. Abbas, also serves as an Advisory Board Member of the Merry Go Round Children’s Foundation which operates the Kids, Cops & Computers program providing new laptops and mentoring to students in six provinces who lack consistent access to technology in their home environment.

Mr. Abbas has a Bachelor of Commerce in Finance and Accounting from McGill University, Montreal, completed his CPA in the United States and is a CFA Charterholder.

Advisory Board

Jason Wang


Mr. Wang brings significant industry experience in senior risk, analytics and compliance roles in the financial industry. He first established his management career as Vice President at Citigroup Inc. Since then, he has worked for major financial companies CIBC, American Express, and TransUnion in nearly two decades. Currently Jason serves as the Chief Risk Officer & Privacy Officer at Synergy Credit Union, the fourth largest credit union in Saskatchewan.

Jason received his Bachelor of Science, Physics from Beijing University and his Master of Business Administration from New York University.  In addition, Jason is a CFA charter holder.

Lawrence Rhee



Lawrence Rhee, founder of RHEETHINK Inc., has been actively involved in the Canadian technology industry for over 20 years. Lawrence has advised many technology companies in Canada as he has held senior positions in both investment banking and equity research at several firms including Haywood Securities, GMP Securities and Genuity Capital. Lawrence’s experience providing in-depth research analysis related to the technology sector has consistently generated investment ideas that are well-received by investors. He received a Top 3 ranking in each of the annual 2006, 2007 and 2009 StarMine surveys in the Canadian Software and IT Sector. Lawrence graduated with an MBA from the University of Toronto and also earned his CFA and CPA professional designations.

Narayan Sainaney


Narayan loves the intersection of technology and business strategy. He has a passion for all things technology and his motto is: if it runs on silicon, I can master it. With a career spanning desktop applications, web, mobile and now cloud computing, Narayan has shipped products that run on numerous platforms (Mac, Windows, Linux, iOS, Android, AWS, Azure).

Prior to CodeZero, Narayan founded Mojio, the first company to connect cars to the internet and has held roles at Microsoft and Aldus.