For newcomers to Canada, the process of building a new life is exciting—and filled with unexpected challenges.
Adjusting to a new country means navigating unfamiliar systems—financial, professional and cultural—all while trying to establish a sense of belonging. Maj Dafinone, Leader of Product Management at Interac, knows this journey well. When she emigrated from the United States to Canada in 2018, she arrived with an impressive resume and years of professional experience. Yet, like many newcomers, she found that breaking into the Canadian job market required more than just qualifications—it required networks, mentorship and an understanding of the “unwritten rules” of Canadian hiring practices.
According to a recent survey by Interac Corp., 85% of newcomers report facing at least one economic barrier that impacts their financial confidence. These hurdles can be compounded by the emotional toll of starting over in an unfamiliar environment.
Today, Dafinone not only thrives in her career but also mentors other newcomers, helping them navigate the same challenges she once faced.
Central to Dafinone’s success was her connection with ACCES Employment, a workforce development organization dedicated to helping jobseekers from diverse backgrounds integrate into the Canadian labour market. Over the past six years, ACCES and Interac have worked together to connect newcomers with programs and resources to help them build confidence and achieve their goals. The organization helped Dafinone start out on the right foot; today, as a leader within Interac, she’s brought that connection full circle by serving as a mentor for other newcomers through ACCES.
We spoke with Dafinone and Barbara Gray, Manager of Corporate Engagement at ACCES, about the experience of newcomers and how partnerships like the one between Interac and ACCES can help open doors and help them build financial literacy and navigate challenges.
Q: What was your biggest challenge as a newcomer to Canada?
Maj Dafinone, Interac: I thought I was prepared. I had lived in five different U.S. states and visited several Canadian cities before deciding to settle in Toronto. But once I arrived, I felt culture shock that I hadn’t anticipated. Despite my qualifications and experience, I quickly realized that the Canadian job market operated differently than what I was used to. It wasn’t just about having an impressive resume—it was about building the right networks and understanding the unspoken rules. That was the hardest part for me.
Barbara Gray, ACCES: Many newcomers face this same challenge. The lack of ‘Canadian experience’ is often cited as a barrier, but it’s really about understanding how things work here—whether it’s tailoring resumes, navigating interviews or building professional connections. That’s why programs like those at ACCES Employment are so important. They help bridge that gap and provide newcomers and those who find themselves outside of the labour market with the tools they need to succeed.
Q: How did you find support through ACCES Employment?
Dafinone: I first heard about ACCES through a Columbia Business School alumna who connected me with their team. I enrolled in the Empowering Women program, which turned out to be a game-changer. It was a one-week intensive program focused on building confidence, networking and practical skills like resume writing. But beyond the technical skills, it gave me a sense of community. I was surrounded by women from all over the world who were going through similar challenges, and we supported each other every step of the way.
Q: How did ACCES Employment prepare you for success in the Canadian job market?
Dafinone: The program helped me tailor my approach—including my resume and LinkedIn profile —for the Canadian job market. ACCES also helped expand my network through events with financial institutions, and organizations like The Canadian Association of Urban Financial Professionals (CAUFP). The more connections I made, the closer I got to landing that interview and offer. Although I didn’t land my first job directly through ACCES, the connections I made there were instrumental in building my professional network.
Gray: What makes our programs effective is the combination of practical training and emotional support. One of our newcomers, for example, was struggling to secure a job in her field. We were able to show her how to fix her resume and connect her with mentors. Now she’s a leader in her field. These stories remind us of the power of change created through the right guidance and support. Many of our mentors are former newcomers themselves, and when participants see someone who has been in their shoes and succeeded, it gives them hope and motivation.
Q: Why are partnerships like the one between Interac and ACCES so important?
Gray: We can’t do this alone. Each year, ACCES works with over 56,000 jobseekers, and partnerships with organizations like Interac allow us to extend our reach and offer more tailored support. Interac sponsors key programs like the Conscious Economics Mindfulness and Money series and connecting clients with industry professionals.
Dafinone: At Interac, I feel empowered to go beyond my work and get involved in the community. I’ve been able to mentor other women and newcomers, both through the Interac Women’s Employee Resource Group and our partnership with ACCES. It’s incredibly rewarding and allows me to pay forward the guidance and support I received as a newcomer.
Q: What role does financial literacy play in empowering newcomers?
Dafinone: Financial literacy is critical for anyone, but especially for newcomers who are adjusting to a new financial system. At Interac, we’re passionate about helping people take control of their finances. Through initiatives like the Mindfulness and Money program, we provide practical tools to help newcomers manage their money, avoid fraud and build financial confidence. Personally, I’ve seen how financial literacy can transform lives—it’s not just about numbers; it’s about empowerment.
Gray: Many newcomers arrive without a clear understanding of the Canadian financial system. Programs like Mindfulness and Money teach them how to prioritize needs over wants, plan for the future and make informed decisions. As a former newcomer myself, I know how overwhelming it can be to navigate finances in a new country. These workshops break it down into manageable steps and give participants the confidence to take charge of their financial well-being.
Maj’s financial cheat sheet:
- Budgeting basics: Financial Consumer Agency of Canada’s budget-building tool
- Savings solutions: Government of Canada’s guide to savings and pension plans
- Employment essentials: e-ACCES online resource for job-search success
Q: What advice would you give to newcomers looking to build a career in Canada?
Dafinone: Don’t underestimate the power of networking! Reach out to alumni, attend industry events and don’t be afraid to ask for coffee chats. Building genuine connections is key to unlocking opportunities.
Gray: My advice is to invest in networking, stay persistent and be open to learning. Don’t let the ‘Canadian experience’ barrier discourage you—there are ways to overcome it by highlighting transferable skills, acquiring local certifications and seeking mentorship. Most importantly, take advantage of resources like ACCES. We’re here to guide you every step of the way.
Learn how to build your financial literacy through the expansive portfolio at Interac.
