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Work experience

Cofounder / Counsel


Co-launched technology start-up that featured WINK, an application and hardware device to eliminate overdraft fees by providing real-time bank account balance notifications to consumers without requiring account log-in. Other products in development included advanced encryption technologies.


Mileage Genius

Co-launched Travel Services company with a focus on maximizing frequent flier mileage award tickets for consumers. Designed and developed custom search and booking techniques to enable the best return on miles. Set the company apart from its competition through its ability to locate flight availability and find the best equipment/seats on the top airlines.


Chief Operating Officer

Finefectivo Lending Corporation

Initially brought on board as a consultant to assess underperforming operation and provide recommendations for improvement. Earned subsequent promotion to direct operations, manage legal affairs and act as de facto Chief Financial Officer. Charged with expanding business in Mexico, the Philippines and other emerging markets including Indonesia, Malaysia and Singapore. Oversee daily lending activities; work jointly with the sales team on preparing and delivering presentations; and develop and implement new lending products, services, and markets.

• Increased profits 20% to 30% through remarketing of consumer data for use in marketing discounted goods and services to the borrowing pool.

• Created and instituted all operations and procedures, automating processes, developing procedural manual and ensuring accounting was on par with a US financial institution.

• Reduced costs 45% and increased timeliness of repayments by instituting new methods that included collecting postdated checks for all loan payments, creating electronic warehousing of checks, and working with mobile carriers to access their payment networks for loan funding/repayment.

• Facilitated 200% increase in profits through development of loan model that demonstrated improved price competition with the market and convinced owners to replace existing problematic model.

• Developed and structured a series of private debt offerings to raise additional lending capital.


Principal Consultant

Client Relation Specialists

Co-founded firm, holding full P&L accountability for projects and organizational functions, including sales, marketing, legal, finance and operations activities. Directed operations in the US, Singapore, Panama, Switzerland and the Philippines. Currently serve in consulting capacity.

• Provided operational insight and strategic guidance for formation of global marketplace and exchange-listed fund for peer-to-peer loans for a UK investment bank. 

• Assisted US based financial services firm's expansion into Mexican and other international markets..

• Created consumer-friendly collections process along with partner bank (JP Morgan) to resolve mortgage portfolio problem. Adapted credit card solution previously developed through Global NPO, to allow borrowers to remain in homes while paying off mortgages.

• Developed proposals for clients involving debt collection operations that included consumer-centric collection practices for a Mexican debt buyer. Set up a collections operation for Garanti Bank in Turkey that increased repayment rate on delinquent debt from 12% to 40%.


Co-Founder / Director of Business Operations and Legal Affairs

Global NPO Management Group

Conceptualized, founded and propelled business growth, directing staff and operations in the US and Philippines. Fully accountable for business development and P&L and debt portfolio management.

• Built business from zero to $100M revenue in less than 24 months, growing debt portfolio to a peak of $500M.

• Set up four client call centers, 100, 200, 50 and 500 seats, respectively. Scouted locations, staffed local management, process mapped services to be outsourced and ensuring telco and Internet connectivity.

• Established state-regulated trust company in South Dakota for potential client, which represented a breakthrough, game-changing strategy within the consumer collection industry.

• Established joint venture between Global and UNIFIN, a large Mexican finance and leasing company, to bring US collections practices to Mexico, enabling UNIFIN to collect on bad car leases and debt.

• Collaborated on a joint venture with Citibank for the implementation and adoption of a holistic approach to consumer collections that focused on working with borrowers, cutting costs and driving the recoverable amount on delinquent debt from 22% to 55%.


VP - General Counsel

Debt Settlement USA

Managed all general legal matters, including supervising external counsel and providing in-depth legal research into the business. Additionally, maintained oversight of all call center operations.

• Influenced owners to institute key HR functions and benefits previously non-existent within the company.

• Secured full buy-in to implement paperless system that represented tremendous potential cost savings and efficiency/productivity improvements.



Private Law Practice

Managed all aspects of a private law practice, including P&L, marketing, case management, client intake, and finance/accounting functions. Gained exposure to various cases that eventually led to a career in the financial services industry.


Aug 2001May 2004


Southwestern Law School
Aug 1997May 2000


The University of Arizona


Travel, Cycling, Horology


Success driven, entrepreneurially spirited Senior Business Executive/Leader who leverages deep and broad legal, financial services, product development, consumer lending and operational expertise to create profitable and sustainable enterprises. Formulates and implements business strategies, processes and controls that overcome challenges and conflicts while ensuring compliance with wide-ranging federal and local regulations, domestically and internationally. Possesses a sense of urgency, innovative thinking and client focus that spurs organic and inorganic growth while mitigating risk for internal and external stakeholders within multimillion-dollar, start-up, fast growth and/or turnaround environments. Notable accomplishments and strengths:

Market Penetration: Launched regulated consumer credit business to serve underserved, middle class populations within Philippines market, contributing 300% growth to Finefectivo Lending Corporation.

Risk Mitigation: Achieved and maintained less than 1% bad debt of Finefectivo's Philippines loan portfolio through the development of culturally tuned credit scoring matrix. Collaborated with local experts to create credit analysis system that has optimized smart lending decisions.

Business Expansion: Facilitated Finefectivo's growth beyond the network of family-owned factories, into a non-

bank depository institution (SOFOM) in Mexico. Analyzed regulatory and legal challenges; identified corporate organizational structures and licenses; and worked with outside counsel to formalize company.

Technological Solutions: Leveraged cloud-based technology to automate data information gathering for

Finefectivo's targeted companies, which reduced time and effort required to implement salary loan product and enabling expansion from one to 11 factories, with tens of thousands of employees.

Lobbying: Played integral role in the removal of a Dodd-Frank amendment that negatively impacted client of Client Relation Specialists. Worked with lobbying firm and client to develop presentations to members of Congress and Federal regulators reflecting position.

Tailored Business Solutions: Increased collections 233% and improved consumer goodwill for major multinational bank by steering away from traditional collection methods and working with customers to plan out repayments on reduced balances.

Consumer-Centric Collections Methods: Expedited the negotiation, settlement and collections of 75,000+ individual accounts valued at $375M, for Global NPO client. Assembled highly specialized team, set up 100-seat call center and redesigned phone and ticketing systems to drive debt negotiation operations.

Top and Bottom-Line Improvement: Reduced costs 70%+, increased membership 100% and attained 95% retention rate at consumer cooperative. Increased offerings, leveraged technology to customize daily deals for each member and optimized email, telephone and auto-generated reminder systems.Honest. Direct. Forthcoming. Curious. Adaptable.

Leveraging Business, Financial and Marketing Acumen for Sustainable Results • Strategic and Tactical Planning • Business Development• Market Analysis and Penetration• Program / Project Lifecycle Management• Multichannel Marketing• Risk Assessment / Management• Regulatory Compliance• Negotiating Complex Legal / Lending Structures• Consumer Credit, Finance and Investment Banking• Operations Management• New Product Development• Business Process Improvement / Optimization• Strategic Alliances and Partnerships• Cross-functional Team Development and Leadership• High-level Presentations


Machine, Manufacture, Process, Product for Mitigating Debt, 61/257,271  Processing Machine, Manufacture, Process and Product to Facilitate a Transaction, 12/938, 350    Mobile Device External Display System, 61/623,383