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.

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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