(Parry Sound, ON) black (Lady bug size) with yellow squares. ??
Great job with your Id! It is a lady beetle. The 14 spotted lady beetle is also called the Chess-board lady beetle. Even the larva has the checkerboard look.
This lady beetle and its larva like all other lady beetles love to eat aphids.
This is another introduced species (in 1960’s from Europe near Quebec City) of lady beetle that is spreading its range. Currently it is found in SE Canada and New England south to Florida then west to the Great Lakes.