Maria‑Gilda Guerra is a Senior Legal Counsel at Desjardins, specializing in group retirement plans. Since 2013, she has advised on a wide range of legal issues involving pension products, plan administration, and regulatory compliance. She works closely with the Canadian Life and Health Insurance Association (CLHIA) to support advancements in pension legislation, regulation, and industry guidelines, and actively contributes to industry submissions. Holding a law degree from Université du Québec à Montréal and a Juris Doctor (JD) from the Université de Montréal, Maria‑Gilda has been a member of the Quebec Bar since 2008. She brings over a decade of experience and a deep understanding of the evolving pension environment to her work and to industry discussions.