Jim was born and raised in Toronto, Canada, and on a farm about 50 miles to the north of the city. Jim attended Upper Canada College in Toronto, where he was a lieutenant in the cadet core. He spent his senior year learning French in Switzerland. Jim then attended the University of Toronto, receiving a BA in political science and economics. He then attended the University of Western Ontario, receiving an MBA in 1976. Jim’s career started with Price Waterhouse in Toronto, then switched to banking when he joined Chemical Bank. After two years in NY, he returned to Toronto with responsibility for business development from western Ontario to Alberta. He joined Credit Lyonnais in 1982 to open a branch in Calgary. There, Jim developed corporate business with agricultural companies. He then joined Citicorp, where he worked primarily financing oil and gas. His career with Citicorp took him to Toronto, and then New York. When he retired in 2009, he was a managing director responsible for the firm’s global business with US-based chemicals companies.