Seasoned investment strategist and market inteligence analyst with a proven track record of delivering strategic insights that drive value in acquisitions, financing, and private equity.With deep expertise in evaluating investment opportunities, Key Expertise:Investment Analysis & Insights- onducts thorough assessments of investment projects, providing critical insights that inform strategic acquisition and divestiture decisions. Strategic Networking: Leveraging a robust network of banks, hedge funds, brokers, and key industry players, gains access to exclusive deals and private investment opportunities.Financing Solutions: Designs and executes tailored financing strategies, including first and second position loans and Mezzanine financing, aligning with asset-specific needs and market conditions.Private Equity & M&A Evaluation: evaluates the feasibility and stability of private equity and M&A transactions, ensuring strategic investments align with client goals.Opportunity Assessment Critiques offering memorandums, business plans, and new investments, identifying high-potential opportunities and providing strategic guidance.Market Research & Intelligence: Conducts in-depth research into market trends, competitor activities, and industry developments within consumer data and financial services.Stays ahead of industry trends, compiling strategic reports that deliver actionable intelligence to senior leaders and decision-makers.Competitive Intelligence As a competitive intelligence expert, Provides key insights that shape business strategies, positioning his clients for success in a rapidly evolving market.Industry Engagement: Actively involved in industry events and conferences, continually gathering intelligence and staying ahead of market trends to better serve his clients.

As a Strategic Advisor & Fixer, I deliver exclusive, referral-only advisory services across personal and corporate finance, legal strategy, data privacy, and strategic consulting. My approach is highly personalized, leveraging my expertise and network to tackle each client's unique needs.Please Note: New clients are accepted only through referrals, managed indirectly.Key Responsibilities:Finance Advisory: Provide custom financial consulting to optimize personal and business finances, focusing on strategic planning, investment strategy inteligence.Legal Strategy & Guidance: Offer insights and strategic support on both personal and corporate legal matters. I collaborate with legal teams or independently guide clients through complex legal challenges with a goal of achieving favorable outcomes.Data Privacy & Security Consulting: Advise on data protection and privacy, helping clients stay compliant with evolving regulations. I develop security strategies to safeguard sensitive information and minimize risk.Personalized Support: Address sensitive issues, remove obstacles, and deliver prompt, targeted solutions. From discreet problem-solving to strategic introductions, I handle complex situations with precision and discretion.Strategic Partnerships: Leverage my extensive network to ensure clients have access to resources for crisis management, negotiations, and business expansion.Skills & Expertise:Extensive experience in finance, legal advisory, strategic consulting, and data privacyStrong problem-solving and crisis management abilitiesProven skill in discreet, behind-the-scenes work for sensitive issuesAdaptable, results-driven approach to client-centered supportFor clients referred through trusted connections, I provide a high level of expertise, discretion, and commitment to support their personal and professional goals.

At ValidityNow, our mission is to provide you with peace of mind. We offer a range of essential services, including free legal assistance, identity theft protection, fraud prevention, harassment enforcement, and personal finance support. If you’ve faced any of these issues, you might be eligible for compensation.We’re committed to navigating the complexities of consumer lending and data security, equipping you with valuable insights to make informed decisions. You can rely on us to protect your identity and secure your personal information.ValidityNow also served as the beta test for the innovative Three Digits business model, focusing on a direct-to-consumer approach. Our aim was to help consumers manage interactions with fraudulent companies, enhance consumer credit education, and promote best practices in credit management.

In my capacity as Chief Strategy Officer, I was at the helm of steering our organization towards unprecedented growth and market influence. My pivotal responsibilities included:Market Insights and Trends: Conducted thorough market assessments, uncovering trends, opportunities, and critical market gaps.Product-Alignment Strategy: Strategically matched our product offerings with market demands, ensuring a seamless integration that resonated effectively with our target audience.Strategic Business Model Transition: Orchestrated a transition from a direct-to-business model to a consumer-centric approach, significantly enhancing accessibility and broadening our market reach.Strategic Collaboration with Academic Prowess: Formed a strategic alliance with the University of Miami, leveraging their expertise and resources to fortify our strategic initiatives.Fundraising and Capital Mobilization: Directed successful fundraising campaigns, securing vital capital to fuel our growth strategies and meet organizational goals.Collaborative Partnerships: Forged invaluable partnerships with industry leaders, harnessing collective strengths to augment our organizational capabilities and market positioning.Innovative Business Model Evolution: Spearheaded a transformative shift from a B2B model to a B2C model, ensuring direct consumer engagement and wider product accessibility.Diversified Product Reach: Led initiatives to broaden our product's analytical scope, encompassing analysis for over 7,000 rare diseases affecting infants.I played a vital part in ensuring our product directly reached consumers, especially benefiting infants with enhanced disease analysis. The strategic business model shift and the integration of state-of-the-art genomics technologies were instrumental in realizing our organizational objectives.

As a Risk Strategist, I leveraged years of professional experience to minimize financial losses from fraud attacks in a fast-paced and complex payments environment. My role focused on analyzing accounts and transactions to predict and mitigate risky behaviors, ensuring a secure payment ecosystem for both Stripe and its users. I collaborated closely with internal teams across Engineering, Product, Data Science, and Operations to design and implement scalable strategies, ranging from manual review processes to advanced machine learning model features, to address fraud risks globally across various payment methods and products.Key Responsibilities:Analyzed accounts and payment transactions to identify high-risk patterns and predict fraudulent activities, preventing potential losses.Developed and scaled risk processes to address the growing complexity of fraud in the payment landscape, ensuring effective strategies and solutions.Partnered with cross-functional teams including Engineering, Product, and Operations to build solutions that mitigate fraud risk on a global scale.Engaged with users to educate them on potential risks, fostering a safer environment for online businesses.Drove innovative approaches to fraud prevention, challenging the industry's traditional practices to support thriving online businesses.Key Skills and Accomplishments:Strong analytical abilities with a passion for data-driven decision-making and problem-solving.Demonstrated decisiveness in making critical business decisions while balancing user experience and risk management.Empathetic to the challenges of new businesses, ensuring scaled risk enforcement while maintaining positive user interactions.Excellent communication skills and team collaboration, effectively presenting complex ideas and working cross-functionally.Proven project management skills, leading and executing multi-team projects to reduce fraud risks and improve business processes.

Founder: Launched the company as a beta test and research initiative, providing services to prominent companies and organizations.Strategic Consultant: Offered independent, expert advice on business strategies, optimizing approaches for clients such as Chase, Synchrony, American Express, Discover, and others in the consumer debt sector.Capability Assessor: Conducted thorough evaluations of company capabilities, partnering with organizations across subprime and prime lending markets, including Global Client Solutions, Crossroads, RAM Reliant Account Management, Americor, Freedom Debt Relief, Strategic Financial Services, Merchant Cash, and Advance Operations.Budget Developer: Crafted practical budgets for product/service development and launch, leveraging insights from diverse business collaborations.Market Researcher: Conducted in-depth market research to assess competition, target audiences, and marketing strategies, enhancing research quality through experience with leading organizations.MVP Scope Definer: Established the scope for minimum viable products (MVPs), drawing on insights from various business collaborations to ensure a well-informed strategy.Product and Service Developer: Contributed to the refinement of product, service, and solution offerings for clients, utilizing extensive consulting experience across multiple business sectors.Dual-purpose Founder: Created the company to explore the MVP concept and conduct research across market sectors. This involved collaborating with reputable organizations to gain insights into marketing underwriting, lead generation, and consumer lifecycle management, providing a comprehensive understanding of business requirements in these areas.

Provide an accounting analysis to the court which will form the basis for discussion, debate and ultimately dispute resolution for both Litigation Support and Investigative Accounting.Duties and responsibilities:Investigating financial data from a company suspected of engaging in fraudulent activityAssembling and analyzing evidence of criminal activityFinancial data interpretation and evaluationConducting interviews with personnel in order to uncover and collect evidenceCreating a criminal hypothesis based on the information.Presenting the findings of the investigation to the appropriate personnelRecommending actionable steps to address and prevent future fraud incidents.Preparing documentation and evidence for court presentation.

Develop and implement a tactical marketing approach specifically designed to bring in and secure a key client for a targeted engagement period.

Specialized in Market Intelligence, providing crucial on-site support to our client base.Conducted comprehensive competitive analyses of major debt relief and debt settlement operations in the marketplace.Acted as a bridge between the Consumer Debt purchasing industry, consumer debt collection industry, and direct creditor relationships, including major institutions like Capital One, Discover Card, American Express, Citibank, Synchrony Bank, Chase Card Services, and Wells Fargo.Contributed to Account Connect Limited, a cross-industry strategic consultancy focused on accounts receivable management and debt relief within the financial services sector.Leveraged expertise as a subject matter expert in debt collection, debt purchasing, debt settlement, and operational transformation.Facilitated collaboration with clients, aiming to transform adversarial relationships into synergistic strategies, revolutionizing collections and recovery of consumer accounts enrolled in debt relief programs

Reliant Account Management, also know as RAM Servicing, is a specialized independent third party payment processor and trust accounting company. We provide the necessary bridge between corporations and their client to ensure accurate, reliable and secure commercial transactions.Our expert staff using our technology-based systems guarantees the highest standard of professional excellence to service companies involved amongst others in the debt relief industry, legal and medical industries.

• Performed detailed financial analyses on potential acquisitions, leveraged Market Intelligence • Constructed valuation models, comparable company, and precedent transaction analysis • Assessed the effects of multiple operational scenarios and capital structure alternatives on potential mergers, created client presentations illustrating strategic alternatives• Worked closely with management to prepare offering materials, including management presentations • Evaluated companies’ defense profiles for vulnerabilities for both hostile buy-side and hostile defense transactions • Became familiar with multiple industries and subsectors • Advised a company on the acquisition of a supplier - Created a dynamic, bottom-up financial model for valuation based on public information and key metrics, incorporating sum-of-the-parts discounted cash flow, leveraged buyout, and pro forma merger analyses - Performed potential interloper analysis, analyzing the accretion/dilution and value impact on numerous possible bidders - Organized materials to prepare an indicative bid • Advised company on the sale of approximately $1.5 billion in assets – • Advised company on the divestiture of approximately $3 billion in assets - Created a model to value the assets using both base-case metrics and bidders’ implied assumptions, particularly those revolving around the valuation of a major outstanding pension liability - Managed the flow of information between the company and interested parties • Advised company on hostile defense planning - Analyzed pro forma accretion/dilution impact to potential bidders based on internal company financials and public information - Prepared management presentation describing detailed financial and qualitative analysis of potential bidders and potential synergies as seen by bidding parties - Worked with the client to establish measures to defend against a hostile bid

Provided product, service, and technical information. Established new Initiatives and identified potential strategic relationships. Serve as key subject matter expert related to internal operations.

Collins Asset Group, LLCFounded in 2011, Collins Asset Group, LLC ("CAG") was built on a foundation of trust and integrity. Our management team, with over 90 years of collective industry leadership, came together to leverage this extensive experience. Our primary goal was to deeply understand how consumers navigate and manage debt. By analyzing millions of data points, we aimed to uncover the psychology behind consumer debt and the precise mechanisms driving consumer behavior in the marketplace. This pioneering research broke new ground in a field that had not seen such in-depth analysis before, yielding highly gratifying results. Collins Asset Group was founded with the primary purpose of providing in-depth industry knowledge to support initiatives from the consumer debt perspective. Utilizing this platform, we analyzed and understood millions of data points, focusing on customer attributes, buying behaviors, and consumer data. This comprehensive analysis formed the basis for several business models that we developed.

eChoice Group is a full-fledged consulting firm with an infrastructure capable of supplying a wide range of services from business development to production strategies as well as strategic growth in the ARM Industry.

Early stage startup helped Establish consumer channels in the prime and near-prime consumer markets for introduction to consumer data and credit protection service.Was able to connect existing relationships for potential strategic partnerships as well as co-branded marketing programs.

Helped management, filtering, prioritization and execution of inbound/outbound new business development and special projects across ’s products and channels. Help establish an outreach program to identify portfolios and partners for consumer adoption in in the subprime lend space. Closed three significant deals over 12 months (reviewed > 120 companies and law firms)• Worked with Prepaid and innovation teams to expand distribution and run various build / buy partner reviews, including funds transfer, loyalty, and rewards• Help designed and the business development cross-functional team approach to assist all business units with build / buy / partner evaluations and strategic partner selection.

“The mission of DebtXS™ is to empower consumers with honorable alternatives to bankruptcy through personalized and proven services.” The mission of DebtXS™ is to empower consumers with honorable alternatives to bankruptcythrough personalized and proven services.Provided industry insight and introductions to leadership in the ARM industry.

Consulted on customer & competitive insights on data collection from customers, worked with sales team and reviewed competitor’s go-to-market strategy. Made recommendations on how to win, assisting in product strategy development.Collaborated with marketing and sales, sales operations, to ensure product information, key information was communicated for effective sales training, product positioning, and customer promotion for initial go-to-market launches and ongoing activities.Consulted with product teams, including Product Development, Business Systems, Fulfillment, and Customer Support, to ensure the segment's requirements are surfaced and incorporated in the product roadmap, and that the systems and supported mechanisms developed were consistent with the adoption needs.Helped develop and defined tactical product plans for each segment and drive action by collaboratively working with network of peers.

Improved Law Firm's profitability and efficiency using legal practice knowledge. Advise solutions for client development strategies, marketing, and productivity.

TRAK provides a single source and cost-effective solution for all client recovery strategies. Our superior network is comprised of exceptional suppliers with a proven track record of success and compliance. TRAK is committed to creating a culture of compliance throughout the organization, meeting the most stringent compliance standards in the industry. Our investment and focus on developing a rigorous infrastructure sets us apart from our competitors. TRAK has positioned itself to effectively lead change in our industry from a regulatory and customer experience perspective.TRAKAmerica also offers unparalleled analytics utilizing their proprietary FASTRAK Model. The FASTRAK model identifies accounts with the highest propensity to liquidate during the life of the treatment strategy and provides accurate cost and revenue forecasting.

Held the position of AVP/Senior Consultant from July 2004 to February 2007, spanning 2 years and 8 months.Faced distinctive challenges in this role due to the nature of the operation and resource limitations, driving creative solutions.Pioneered the establishment of a MasterCard Servicing Center in collaboration with MetaBank and Card Acquisitions Group, aiming to provide consumers with an alternative bill payment method.Introduced an innovative Balance Transfer (BT) program designed to enhance recoveries. This program allowed consumers to transfer old debt to a new performing loan, attracting those less likely to pay debt through traditional means, all while being zero-interest for the consumer.Orchestrated an effective direct mail program that achieved an exceptional response rate of over 20%, a notable success for the initiative.Managed the in-house Balance Transfer Program, treating it akin to handling collections placements. This involved sophisticated analytics, industry-leading execution, exceptional customer care, and a strong commitment to debt collection and credit card laws and regulations.Demonstrated an entrepreneurial approach in dealings with clients, offering commission-based or profit-sharing structures, ensuring a mutually beneficial partnership.

Investment Analysis & Insights: Conducted thorough evaluations of potential investment projects, emphasizing soft asset assessments and providing critical insights that drive acquisition decisions.Operational Analysis & Due Diligence: Performed in-depth analysis of operational structures and internal due diligence, ensuring informed and strategic investment choices.Strategic Networking: Built and maintained a robust network with banks, hedge funds, brokers, and politicians, facilitating access to proprietary information and exclusive opportunities within deal structures.Financing Strategies: Designed and executed tailored financing strategies, including first and second position loans and Mezzanine financing, aligning with specific asset evaluations.Private Equity & M&A Feasibility: Assessed the stability and feasibility of private equity and M&A transactions, ensuring that strategic decisions align with investment goals.Opportunity Assessment: Critiqued offering memorandums, business plans, and investment opportunities, leveraging proprietary information to identify sound prospects.Industry Research & Market Intelligence: Conducted deep dives into market trends, competitor analysis, and industry intelligence within the consumer data and financial services sectors.Primary Research Oversight: Coordinated primary research with third-party vendors, defining scope and SOW for targeted insights.Trend Monitoring & Reporting: Tracked industry developments, compiled intelligence, and provided strategic insights to drive decision-making.Executive Communication: Delivered detailed presentations to C-Level Executives, Brand Teams, and Business Units, effectively communicating key findings and strategic recommendations.Competitive Intelligence Leadership: Provided expert insights into competitive intelligence, guiding brand strategies and decision-making processes.

Overseen Portfolios with clients including Direct Merchants Bank, Associates Bank/Citi Bank, Calvary. Responsible for Team Budgets/Forecasts, Management Training, Liquidations, Production Monitoring.Constantly compiling/analyzing information to improve performance.Define and closely monitor short and long term goals for each client/department.Attend client conference calls daily/weekly to ensure compliance.Coordinate with each department to ensure maximum potential/collections.

Oversaw collection management team to ensure maximum efficiency and effectiveness of each department. Oversaw many clients-Mellon Bank, AT&T Commercial and Residential, Finger Hut Early-Outs. Improved team through training, motivation and leadership. Effective time management, capable of analyzing production and offering decisive solutions.Assists in development and implementation of company policies and procedures.Provide senior management with monthly and year-to-date comparisons of business results and financial forecasting information.Ability to gather, compile and analyze information from many different sources.Attend corporate planning meetings and assist in writing policies and procedures.Closely coordinate with all departments to ensure successful operation.

Distinguished 4-year career participating in "Operation Just Cause," "Operation Desert Shield," and "Desert Storm." Held Top Secret Security Clearance and advised command on logistics, training, personnel, and unit mobilization plans. Responsibilities included preparing vehicle load plans, unit movement plans, convoy clearance requests, and mobilization directives and regulations.Cross-trained as an intelligence analyst, overseeing and coordinating the management, analysis, processing, and dissemination of both strategic and tactical intelligence. Analyzed intelligence holdings to identify gaps and directed subsequent intelligence collection efforts. Supervised the receipt, analysis, dissemination, and storage of intelligence information.