Our team has over 50 years of combined experience in mortgage underwriting, risk management, and mortgage investments. We have a strong understanding of the type of residential real estate and borrowers to lend to, in order to reduce the risk to RiverRock and our investors. We also have excellent long term relationships with our mortgage brokers.

Our experienced team of underwriters at RiverRock MIC mitigates risk by using our priority underwriting model. This model puts a tremendous amount of weight on the marketability of real estate. Our disciplined approach to underwriting creates a portfolio that can endure tougher economic cycles.


Nick Kyprianou

President/CEO, Director

Nick is a seasoned executive with over 30 years of experience in the mortgage industry. Prior to founding RiverRock in 2014, Nick was the CEO at Equity Financial Trust. Before joining Equity Financial, Nick was the President and also a director at Home Trust Company for over 18 years, where he was instrumental in the company’s national expansion, mortgage growth, and operations. Nick obtained his degree from McMaster University in 1986, has completed the Executive Program at the Queen’s School of Business as well as the Institute of Corporate Directors Program at the Joseph L. Rotman School of Business.

Ali Jaffer


Ali has over 15 years of financial and administrative management experience in the software, alternative energy, and real estate sectors, working in both public and private companies. Prior to joining Donville Kent, Ali was the Chief Financial Officer of a software company ranked as one of North America’s Fastest Growing Companies in Deloittes’ Fast 500 program. Ali is a Chartered Professional Accountant and holds a Master of Business Administration in Investment Management from the Goodman Institute, Concordia University.

Anthony Pistillo

Senior Vice President

Anthony is a dedicated mortgage professional with over 20 years of industry experience. He graduated from the Seneca College Financial Services Underwriting Program in 2002. Just prior to joining RiverRock, Anthony was a Director of Underwriting with Home Trust. In that role, he worked closely with the senior management team to help grow the mortgage portfolio while ensuring files met company guidelines. Prior to making the switch to the lending side of the business, Anthony ran a successful mortgage brokerage operation.

Phil Braginetz

President of P. Braginetz Associates

Chairman of RiverRock Mortgage Investment Corporation & RiverRock Management Inc.

Phil Braginetz is the President of P. Braginetz Associates, a provider of consulting services to small and medium-sized financial institutions. Since 2008, his practice has focused on balance sheet risk assessments and regulatory compliance requirements. Over a prior career in treasury and capital markets, he held the positions of Chief Financial Officer of Home Capital Group Inc., Chief Operating Officer of Credit Union Central of Ontario, and Treasurer of Deutsche Bank Canada. Phil is a graduate of Montreal’s Concordia University, holds the Chartered Financial Analyst designation, and serves on the board of directors of motusbank, Canada’s newest Schedule 1 chartered bank.

David Guiney


David practiced corporate law for 15 years, mostly in his own firm, Tanner & Guiney Associates. He specialized in credit union and cooperative law on the local, provincial, and national levels. He was legal counsel on many credit union mergers and spent his entire legal career providing advice on corporate governance matters. In addition, David represented the credit union system in the drafting of Ontario’s credit union legislation and Canada’s cooperative credit association legislation.

In the final 10 years of his career, David was the COO of Ontario’s private, not-for-profit, new home warranty program.

David is a board member of: Lumenus Community Services,  GTA’s largest not-for-profit mental health, developmental, and community services, as well as, Xenia Concerts Inc., and Markland Wood Golf Club.

Jason Donville


Jason is currently President and CEO of Donville Kent Asset Management Inc. He has had an illustrious career as an award-winning analyst and portfolio manager. Prior to founding DKAM, Mr. Donville was consistently ranked as one of the top financial services analysts in the country. In 2004 and 2005, Mr. Donville was ranked in all three financial services research categories (banks, insurance, and diversified financial services) in the annual Brendan Woods surveys. Mr. Donville was also recognized as the Top Stock Picker in Diversified Financial Services in the 2004 and 2005 National Post/Starmine surveys, and ranked number 3 for forecast accuracy in 2004 in the same survey.