Agnelo Fernades

Agnelo Fernades is a seasoned professional with over 35 years of experience in Canada’s real estate finance industry. His expertise lies in ensuring the highest portfolio quality through adeptly managing investment criteria, leading capital deployment, and establishing exposure limits within risk appetite parameters. He boasts extensive experience in researching, underwriting, and skillfully negotiating new deals.

Agnelo’s illustrious career began at the Canadian Imperial Bank of Commerce (CIBC), where he honed his skills before taking on the role of a sales mortgage account manager at Laurentian Bank. Currently, he serves as a mortgage lender and insurer with the esteemed Mortgage Alliance of Canada.

Agnelo holds a Bachelor of Commerce degree from the University of Bombay. He is also a registered mortgage broker with the Financial Services Regulatory Authority of Ontario (FSRA) and has successfully completed CGA Level 4, Law Clerk courses, and the Canadian Security Course. Overall, Agnelo’s wealth of experience and diverse skill set make him an invaluable asset in the dynamic world of real estate finance.

Mary Mahallati

Mary Mahallati is a highly accomplished real estate and financial advisor with over 15 years of extensive experience in the financial industry. Her career in finance began as a Mutual Funds Representative at a leading wealth management firm, where she developed a deep understanding of investment strategies and risk management. This foundational experience equipped her with the skills to analyze market trends, design tailored investment portfolios and deliver strategic financial solutions to her clients.

Mary is recognized for her expertise in comprehensive financial planning, investment management, retirement planning, risk management, and insurance. Her client-centric approach underscores her belief in the importance of fostering strong, long-lasting relationships, built on trust, transparency, and a deep understanding of her clients' unique financial goals. Mary’s ability to translate complex financial concepts into actionable strategies has made her a sought-after advisor for individuals and families seeking financial security and growth.

Her academic credentials reflect her dedication to continuous learning and professional excellence. Mary holds a Diploma in Accounting, which has strengthened her ability to assess financial statements and develop effective budgeting strategies. She also earned a Diploma in Auto Electric, further showcasing her versatile skill set. Additionally, she is mutual funds certified and a Licensed Life Insurance Agent (LLQP) accredited by the Financial Services Commission of Ontario, ensuring her compliance with the highest industry standards.

Nisar Patel

Nisar Patel is an accomplished legal and engineering professional with over two decades of experience spanning prestigious organizations such as Jacques Whiteford Ltd. (Stantec), Hatch Mott MacDonald, McCormick Rankin Corporation, Toronto Transit Commission, City of Toronto, and MEC Global Group Ltd. His extensive career is marked by a unique combination of legal acumen and technical expertise, making him a trusted authority in managing complex infrastructure projects, including buildings, bridges, and various large-scale structures.

As Corporate Counsel, Nisar excels in the nuanced areas of contract law and construction law, with a proven ability to assess, negotiate, and resolve intricate contract disputes. His deep understanding of relevant legislation, coupled with his strategic approach to stakeholder engagement, ensures successful outcomes in environments of medium to high complexity. Nisar’s strength lies in bridging legal frameworks with practical solutions, effectively mitigating risks while safeguarding project objectives.

Nisar’s technical expertise complements his legal proficiency, enabling him to evaluate constructability, conduct thorough technical assessments, and prepare comprehensive technical reports. His analytical skills allow him to identify and address potential challenges with precision, offering innovative solutions that enhance project efficiency and compliance.

A committed professional, Nisar is a licensed attorney with the Ontario Bar Association and the Federation of Law Societies of Canada. He is also a member of the Professional Engineers of Ontario and holds a Bachelor of Science in Civil Engineering. Additionally, he is a certified project management professional, further underscoring his multidisciplinary capabilities.

Francis Okhankhue

Francis Okhankhue is a seasoned finance professional with extensive experience in accounting and financial management. He began his career at the Securities and Exchange Commission (SEC) in Nigeria as an Investment Analyst, where he gained critical insights into financial markets and investment strategies. He later joined United Bank for Africa (UBA) Plc, where he ascended to the position of Regional Controller, managing complex financial operations and ensuring organizational efficiency.

At Oceanic Bank, Francis gained significant international exposure, serving as Chief Inspector on secondments to Ghana, Gambia, Cameroon, and São Tomé and Príncipe. These assignments allowed him to navigate diverse regulatory landscapes, oversee cross-border financial operations, and implement robust controls that contributed to organizational success. His ability to adapt to complex and dynamic environments underscore his strength in managing multi-jurisdictional projects and diverse stakeholder relationships.

A graduate of the prestigious Auchi Polytechnic in Nigeria. His academic foundation has been instrumental in shaping his expertise in financial analysis, regulatory compliance, and strategic decision-making. He is a certified Income Tax Professional and an Investment Funds Advisor, earning certifications from the Canadian Securities Institute. Licensed by the Government of Canada to provide income tax services, he collaborates with the Canada Revenue Agency to assist clients with tax compliance and advisory needs. Additionally, he provides tailored accounting and financial advisory services to businesses, leveraging his extensive experience in financial planning and risk management.

Francis's blend of international banking expertise and Canadian financial advisory credentials enables him to bring a unique, multidimensional perspective to underwriting and financial management.

Islam Ali

Islam Ali is a seasoned professional who plays a pivotal role in shaping the strategic direction of the firm and leading its client engagement initiatives. With over 12 years of diverse experience across financial, operational, and business advisory roles, Islam brings a wealth of expertise and a results-driven approach to every engagement.

Holding an academic background in Business Studies and having progressed to the final level of Chartered Accountancy (CA Final), Islam possesses a strong foundation in financial management, risk assessment, and operational efficiency. His analytical mindset, combined with a deep understanding of both traditional and modern business practices, allows him to offer insights that drive value and long-term growth for clients.

Islam is instrumental in ensuring seamless service delivery across projects, focusing on aligning the firm’s solutions with each client’s unique objectives. He is known for his ability to translate complex financial and operational challenges into clear, actionable strategies. His collaborative leadership style fosters trust, transparency, and sustained success.

Beyond his technical expertise, Islam is committed to building and maintaining strong, long-term client relationships. He is passionate about understanding client needs at a granular level and positioning the firm as a trusted partner in their journey. His dedication to excellence and professional integrity has significantly contributed to enhancing the firm’s reputation and impact within the industry.

Islam’s leadership continues to drive innovation, accountability, and a client-first culture at the firm, making him an invaluable part of the executive team.

Dipak Kharel

Dipak Kharel is a highly accomplished Chartered Accountant, holding dual qualifications from both the Institute of Chartered Accountants of Nigeria (ICAN) and the Institute of Chartered Accountants of India (ICAI). With over 11 years of professional experience, he brings a wealth of expertise in financial consulting, business advisory, and corporate structuring, offering clients comprehensive guidance through today’s dynamic financial landscape.

Dipak’s core competencies lie in helping businesses navigate complex financial and regulatory environments. He specializes in developing and implementing strategic financial plans that drive sustainable growth, improve operational efficiency, and ensure long-term value creation. His advisory services span a wide spectrum, including budgeting and forecasting, capital structuring, M&A advisory, tax planning, compliance, and risk management.

Having worked across both local and international markets, Dipak possesses a unique global perspective that enhances the quality and relevance of his insights. He understands the nuances of cross-border transactions, international accounting standards, and diverse business environments, making him a valuable asset to clients operating in multiple jurisdictions.

Throughout his career, Dipak has built a strong reputation for his analytical rigor, integrity, and results-oriented approach. He is deeply committed to helping organizations—from startups to large enterprises—align their financial practices with strategic objectives, manage change effectively, and achieve their business goals with confidence.

At RECCMOX, Dipak plays a pivotal role in strengthening the firm’s consulting capabilities, ensuring that clients receive high-quality, tailor-made solutions that are both innovative and practical.

Rajan Kumar Mahatra

Rajan Kumar Mahatra plays a key leadership role at the firm, overseeing audit engagements and ensuring strict compliance with national and international regulatory standards. With over a decade of professional experience in auditing and financial reporting, Rajan brings a wealth of knowledge and a commitment to excellence that consistently strengthens the firm’s reputation for accuracy, integrity, and reliability.

Rajan holds a Bachelor’s degree in Business Studies, complemented by advanced training through the Chartered Accountancy (CA – Final) qualification. His academic background and professional credentials have equipped him with a robust understanding of complex audit methodologies, risk assessment frameworks, and evolving financial regulations.

Throughout his career, Rajan has successfully led numerous audit projects across various industries, including manufacturing, services, real estate, and technology. His ability to analyze financial statements with precision, identify discrepancies, and provide actionable recommendations has been instrumental in helping clients maintain transparency and improve internal controls.

Rajan is known for his analytical mindset, meticulous attention to detail, and strong organizational skills. He consistently ensures that audit engagements are executed efficiently, on schedule, and in alignment with the latest compliance standards. His client-centric approach fosters long-term relationships built on trust and mutual respect.

As a dedicated audit professional, Rajan Kumar Mahatra continues to drive quality, uphold ethical standards, and contribute to the strategic growth and credibility of the firm’s audit practice.

Kamal Kumar Mahatra

Kamal Kumar Mahatra plays a key role in supporting the audit team at our firm, contributing to the seamless execution of assignments with precision and professionalism. With a Bachelor’s degree in Business Studies and over six years of hands-on experience in the field, Kamal brings both academic insight and practical knowledge to every engagement.

Kamal specializes in assisting with financial analysis, audit report preparation, and compliance reviews, ensuring that all deliverables meet the highest standards of accuracy and regulatory adherence. His strong analytical skills and attention to detail make him a valuable asset during critical stages of the audit process, from planning and fieldwork to final reporting.

Known for his commitment to excellence, Kamal is instrumental in identifying discrepancies, assessing internal controls, and supporting the implementation of best practices within client organizations. His ability to work collaboratively with both internal teams and client personnel enhances the effectiveness and efficiency of the audit function.

By combining technical competence with a proactive and solutions-oriented mindset, Kamal contributes meaningfully to the firm's mission of delivering high-quality, reliable audit services. His work not only strengthens audit outcomes but also reinforces client confidence and long-term value.