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Douglas L. Henkel, Chief Executive Officer
Mr. Henkel has over 20 years of business leadership experience in a variety of industries. Most recently, he served as a Regional Vice President for Wells Fargo Bank. Mr. Henkel’s career began as the Vice President of Corporate Sales for one of the world’s largest fitness center chains, 24 Hour Fitness, where he helped them grow from 13 to 535 locations. The unit managed by Mr. Henkel was responsible for over 25% of total revenue for the near $1B firm at the time of his departure in ’02. From ’95 to ’00, he served as a consultant to a niche-market financial services company and was instrumental in helping them enter into finance opportunities in several different industries. Mr. Henkel later formed a private loan company, Henkel & Associates, which provided a suite of receivables management products and services to the post-secondary higher education industry. This company served as a business partner of Education Lending Group, Inc. (“ELG”), a CIT company. Mr. Henkel was later hired by an ELG subsidiary as a VP of Business Development in their for-profit business segment before leaving to join Wells Fargo Bank. Mr. Henkel holds a BA from the University of Wisconsin and an MBA from San Diego State University.
Laurence (Larry) Chiavaro, Executive Vice President
Mr. Chiavaro has over 20 years of progressive experience in the Consumer Finance industry. Most recently, he developed the BPO Loan Servicing Business for CSC, working with Banks, Investment Banks, Finance Companies, and Credit Unions, on a national level. Prior to CSC, Mr. Chiavaro created and managed a national wholesale sales force for NovaStar Mortgage, and held leadership positions at Household / HSBC Auto Finance and GE Capital, where he was recognized by Jack Welch, the legendary CEO of General Electric for his record setting production. Mr. Chiavaro will be overseeing many areas at First Associates and will maintain an office in the New York City area.
John J. Cruz, Vice President of Operations
Mr. Cruz has over 25 years of experience in Servicing and Operations. He was Senior Vice President of Contract Servicing, managing a $3 Billion subprime auto portfolio over 3 separate locations with more than 450 employees. As Senior Vice President at ACC Consumer Finance Mr. Cruz managed all areas of servicing from customer service to collections, bankruptcy and title control. He wrote all policies and procedures as well. Mr. Cruz will be overseeing all aspects of servicing at First Associates at the San Diego servicing office.
Andrea Sisney, Assistant Vice President
Ms. Sisney joined First Associates in 1994. She is responsible for supervising the following departments within First Associates: customer service, investor reporting and accounting. Prior to First Associates, she held several key positions with Petco Corporation.
Alexa Del Pilar, Director of Operations
Ms. Del Pilar has over 17 years experience in the financial services industry. Most recently, she served as a Risk and Compliance Manager for ARS National Services where she was instrumental in earning their first SAS 70 Type II Certification. Ms. Del Pilar started her career with ITT/Bowest in 1992 in Escrow Administration. Upon their closing in 1995, Ms. Del Pilar began working for Advanta Mortgage which was sold to JPMorgan Chase in early 2000. During that time, Ms. Del Pilar held several loan servicing positions including Data Integrity Manager. In 2003, Ms. Del Pilar moved to Austin, Texas where she was the Loan Servicing Manager for D.R. Horton. Ms. Del Pilar moved back to San Diego in 2005 where she once again worked for JPMorgan Chase as the Lien Perfection and Release Manager until 2007.
Ben Larisch, Information Systems Consultant
Ben is currently the Director of Information Systems for Tetra Financial Group, a Salt Lake City based Equipment Financing Company. Ben has over 12 years of technology and software development experience 7 of which has been the financial sector. He is responsible for strategic planning, network design and infrastructure as well as introducing new technologies to increase efficiency. Prior to joining Tetra, Ben functioned as Senior Vice President, Information Technologies / Management Information Systems Prestige Financial Services, Inc. $500M (receivables) non-prime auto finance affiliate of the Larry H. Miller Group of Companies. At Prestige Financial, Ben managed a team of software developers and network management staff, overseeing all aspects of the company’s technological support systems. He was instrumental in migrating the company from antiquated and unsupported legacy software and network systems to technologies meeting MS standards, and directed the design and development the company’s current proprietary loan origination and loan servicing software. He also headed development of Prestige’s corporate website (GoPFS.com), and created a proprietary call center software application and CRM tool now used by both Prestige and its participating dealerships. Ben oversaw the establishment or optimization of data bridges with Western Union, DealerTrack, the three major credit bureaus, back-up servicer SST, and a global bank to which Prestige sold prime paper in a flow-through relationship. Ben managed processes to ensure compliance with various audits to fulfill financial and securitization needs. He played a central role in conceiving and implementing the company’s business continuity & disaster recovery plan, and in moving Prestige from an 8,000 square-foot office to its 54,000 square-foot headquarters. These efforts, coupled with the application of various third-party technologies throughout the enterprise, helped the company to double its assets-per-employee, while achieving record profits. Ben has developed software for over 12 years, having served previously as a senior engineer for MedQuest Pharmacy and Net-Mercial.com. He has extensive experience in relationship database design and using .NET technologies, with additional expertise in C#, vb.net, HTML, XML, Java and SQL.
David Lamb, Financial Consultant
Mr. Lamb is the Chief Financial Officer of Tetra Financial Group, an equipment leasing company, located in Salt Lake City and First Associates. Prior to Tetra Financial Group he served as Founder of AVID Acceptance and Sr. VP of Prestige Financial. David was instrumental in growing Prestige Financial and maintaining Return on Equity of approximately 25% since the year 2001. While at Prestige, David managed all of the company’s major financial transactions, had responsibility for strategic financial modeling and business intelligence, and developed and managed relationships with monoline insurers, rating agencies, ABS investors, banks and pass-through lenders. Previous positions include: Vice President of Finance and Strategy at Automatic Web, Inc.; Founder/CEO/CFO at Net-Mercial.com, an Internet advertising technology ASP specializing in the development of interstitial ad networks; Founding Executive Director of the Utah Angels, an angel investor network; and Managing Analyst at Venture Analysis, a firm specializing in analytical support for venture capitalists, angel investors and early-stage companies. David has a BS in Economics from the University of Minnesota and an MBA from Brigham Young University and has been awarded the Chartered Financial Analyst professional designation.
David Johnson, Director
Mr. Johnson is a Principal with Clearpath Advisors LLC. Prior to joining the firm he was SVP of Corporate Development at Memec LLC. Prior to Memec, he worked at McKinsey & Company and Bain & Company. David has an MBA from the Stanford University Graduate School of Business.
Scott Scharman, Director
Mr. Scharman is President and CEO of Tetra Financial Group; a Salt Lake City based Equipment Finance Company. Prior to founding Tetra, Mr. Scharman held various management positions within the equipment finance industry. Mr. Scharman received a Bachelor of Science degree in Business Management from Utah Valley University and a Master of Business Administration from Westminster College.
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