About Us

Payment Infrastructure Advisors

Who is North Galt?

There are fewer than 250 payment FMIs worldwide. What they do is mission-critical—and uniquely complex. Their challenges aren’t like those faced by private corporations or government departments. These organizations need advisors who’ve done the work before. Who understand the deep complexity of stakeholder management, legal frameworks, compliance, technology, governance, and risk—not in theory, but in execution.

North Galt is a boutique consultancy specializing in the modernization and governance of payment infrastructure. We work with central banks, regulators, and national payment system operators and the eco system around the world to design, implement, and secure the systems that economies rely on.

We bring unmatched hands-on experience to every engagement. When you work with North Galt, you work directly with experts who’ve led major national and regional payment infrastructure transformations. Our advisors don’t just understand the work. They’ve done it—at scale, in complex stakeholder environments, and under regulatory scrutiny.

Our Leadership

Gerry Gaetz

Managing Partner

Gerry has held executive roles at the Bank of Canada and served as President and CEO of Payments Canada, leading significant transformations in Canada’s payment systems. He currently advises on digital transformation and serves on several boards.

Justin Ferrabee

Senior Partner

Justin has more than 25 years of experience in organizational transformation within the payments and fintech sectors. He has held executive roles at Trustly, Paramount Commerce, and Payments Canada. Justin has advised central banks on financial market infrastructure modernization programs across North America, Europe, and the Middle East. He is also a co-founder of Fintechs Canada and serves on the boards of Peloton Technologies and TaxPay.

Let’s Talk

If you’re navigating modernization, governance, or risk in your national payments infrastructure, we’d love to help.

Our Services

Economic Investment Case

Regulatory Frameworks Design

Governance Models Development

Drive Strategic Decisions

Design Scalable Architectures

Risk Compliance Strengthening

Program Delivery Leadership

Unite the Ecosystem

Contact Information

info@northgalt.com

 +1 613-866-3619

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