About First Commons Bank

Founders

We refer to them as "founders". These are the individuals who have invested, directly or indirectly, to pay the pre-opening organizational expenses and capital expenditures of the new Bank.

Anthony G. Nuzzo is the Chairman, President & CEO of First Commons Bank and was the Bank's Primary Organizer during its organizational phase. He is Chairman of the Loan Committee and the Corporate Governance and Nominating Committee. He is also a member of the Investment and Asset-Liability Management Committee. Prior to First Commons Bank, Mr. Nuzzo started an Internet Bank for Marsh & McLennan as Chairman, President & CEO and separately, he has founded his own start-up businesses. His career includes serving as CEO of two established banks, Chemical Bank Delaware and Fidelity Trust Company where he also became Chairman. He also ran small business divisions for two regional banks, Citizens and TD Banknorth. His career began with ten years in packaged goods marketing with Procter & Gamble and Johnson & Johnson before transitioning into financial services with American Express. In 2010, Mr. Nuzzo was the recipient of American Business Awards’ prestigious Stevie Award for Financial Services Executive of the Year. In 2012, Mr. Nuzzo released his now award-winning book, The Business PACT: Connecting Business Thinking with Daily Living. He is a member of the Board of Overseers at Newton-Wellesley Hospital and is a Board Member of both the Wellesley Chamber of Commerce and the Newton Community Pride organization. He has a BA from Boston College where he graduated as a “Scholar of the College” and an MBA from Columbia University where he graduated with “The Business School Service Award.”

Daniel M. Boone was an organizer of the Bank. He is an experienced Information Technology executive with thirty-two years of experience in the financial services industry. His experience spans banking, securities trading and processing, asset management, retail lending and insurance. He has held senior positions with The First Marblehead Corporation, Fidelity Investments, Booz Allen Hamilton and Credit Suisse. His expertise is in IT Strategy and Transformation, Enterprise Architecture, Applications Development, data warehousing and business intelligence. His current focus is on regulatory compliance and policy management for the banking industry and he is working with leading global banking groups to implement new solutions. Mr. Boone leads the Advisory Services consulting practice for Avanade, a subsidiary of Accenture and a joint venture with Microsoft. He holds a BA and MBA degrees from Rutgers University and has taken executive education at the Wharton School, University of Pennsylvania.

John A. (Fred) Brothers II is Executive Vice President of Enterprise Strategy at FIS. He has overarching responsibility for strategy throughout the FIS global enterprise, including competitive differentiation, industry thought leadership, research, pricing and portfolio management with the specific objective of maximizing client value and return on assets. Before joining FIS in April 2010, Brothers was Founder and Managing Partner of eCom Advisors, a consulting firm to the online banking, billing and payments industry. Prior to founding eCom Advisors, Fred held senior leadership positions at CheckFree Corporation from 1994 to 2005, helping the organization grow from a privately held company with $20 million revenue and 200,000 users to a public corporation with $750 million revenue and 20 million users. Fred holds a BS degree from Ohio State.

Brian M. Cashin, was an organizer of the Bank, and became Chief Information Officer in April 2009 while the Bank was in formation until his retirement at the end of June 2013. Prior to First Commons Bank, Mr. Cashin had twenty years of experience as a Senior Technology Executive both domestically and internationally. While serving as Chief Information Officer at First Marblehead Corporation and Fidelity Investments, and Chief Technology Officer at Chase Manhattan Bank, he managed staffs of 50 to 500 with over $200 million in budget responsibility. Mr. Cashin has successfully architected and managed technology infrastructures to support major changes in organization and market focus. He has developed and implemented IT strategy for global venture capital endeavors. He has negotiated large, complex outsourcing contracts and partnership agreements. Mr. Cashin has a BA from St. Francis College and an MBA from Fordham University.

David P. Chodirker, MD resides in Newton Centre and practices family medicine. He is the founder of Family Care Associates with offices in Wellesley. He attended the University of Toronto, where he graduated with honors. He studied medicine at the University of Toronto Medical School; and completed his training in family medicine at Mount Sinai Hospital in Toronto in 1991. Dr. Chodirker is a member of the American Academy of Family Physicians. Dr. Chodirker is an Assistant Clinical Professor at Tufts University in the Department of Public Health and Family Medicine. He is also a member of the Department of Family Medicine at Newton-Wellesley Hospital. In February 2003, Dr. Chodirker was named by Boston Magazine as one of the "Top Doctors" in Family Medicine in the Boston area.

Saul B. Cohen, a Newton, Massachusetts native, is a co-founder of Hammond Residential – one of Boston's premier real estate brokerage firms. Prior to establishing Hammond in 1991, he had been president and co-principal of Hunneman & Co., a multi-office regional real estate brokerage firm that he grew from 12 to 35 locations. A graduate of Harvard and the Harvard Business School, Saul is well known locally and nationally in the real estate community having served on the Better Homes and Gardens Real Estate Advisory Board as well as on numerous professional committees over the years.

Michael T. Cowhig retired in December 2006 after a 38-year career with the Gillette Company (now the Procter & Gamble Company – Gillette GBU). At his retirement, Mr. Cowhig held the position of President, Global Technical and Manufacturing, a post he held since October 1, 2005. Prior to this position, he held the position of President, Global Technical and Manufacturing of the Gillette Company. Mr. Cowhig serves on the board of directors of The Newell Rubbermaid Corporation, an S&P 500 company and CCL Industries, a global manufacturer. Mr. Cowhig received his undergraduate degree in operations management from Boston College and an MBA from Babson College.

Jerome A. Deener is the Senior Partner of Deener, Hirsch & Shramenko, P.C., a law firm located in Hackensack, New Jersey, specializing in the fields of individual, corporate, and estate planning, real estate and taxation. He has been practicing tax law since l968. Mr. Deener received a Masters Degree in Taxation from New York University, and was an adjunct professor of taxation at Fairleigh Dickinson University in the Graduate School of Business for five years. He has been regularly listed among top trusts and estate tax attorneys in the State of New Jersey and in New Jersey Magazine. He is also listed in Who's Who in American Law. Mr. Deener is a Fellow in the American College of Trust and Estate Counsel.

Craig D. Divino is a member of three Bank committees: Loan; Compensation; and Corporate Governance and Nominating. Mr. Divino is a Managing Director with Oakmont Partners LLC providing wealth management services to high net worth individuals. For 25 years beginning in 1979, Mr. Divino was a partner with the consulting firm of Pittiglio Rabin Todd & McGrath (PRTM), an operations strategy consulting firm. He led PRTM's international expansion, during which time he spent more than ten years living and working in Europe. Prior to leaving PRTM, Mr. Divino led the Financial Services practice and sat on the firm's Executive Committee. Subsequent to PRTM, Mr. Divino spent several years as the President and CEO of Integrated Development Enterprise, a start up application software company. Mr. Divino received his undergraduate degree in economics from Boston College and an MBA from Boston College.

Christopher S. Doherty is an Owner/Broker of Prudential Howe Doherty Realtors in Andover, the area's eighth largest residential real estate firm according to the most recent ranking by the "Boston Business Journal." He is a member of the Northeast Association of Realtors, the Massachusetts Association of Realtors, and the National Association of Realtors. Mr. Doherty has served as President of the Greater Lawrence Board of Realtors and currently serves as a Director of the Massachusetts Association of Realtors. He has chaired the Professional Standards and Grievance Committees of the Northeast Association of Realtors and has been honored by the M.A.R. as Realtor of the Year in 1990 and, more recently by the N.E.A.R. as the recipient of the Distinguished Service Award. Mr. Doherty holds a B.A. in Economics from Ripon College, as well as several realtor designations.

Joseph B. (JB) Doherty, Jr. is a member of three Bank committees: Loan; Audit and Compliance; and Corporate Governance and Nominating. He is an Owner/Broker of Prudential Howe Doherty Realtors in Andover. Mr. Doherty is a member of the Northeast Association of REALTORS, the Massachusetts Association of REALTORS, and the National Association of REALTORS. He is a past President of Lawrence Boys & Girls Club and the Lawrence Rotary Club. Mr. Doherty received the "Distinguished Citizen of 2001"Award from the Boy Scouts of America. He was also the Greater Lawrence Board of Realtors REALTOR of the Year in 1986. Mr. Doherty is a graduate of Brown University and has numerous REALTOR designations.

David R. Fried is the editor and publisher of The Buyback Letter, the only investment newsletter devoted to finding opportunities among companies that repurchase their own stock. The Buyback Letter is often found on Hulbert's Top Ten List for risk-adjusted returns. Mr. Fried also runs an asset management firm, Fried Asset Management, Inc., with managed accounts out-gaining the S&P 500 by a ratio of almost 4-to-1 since inception in January 1998. Mr. Fried has been a featured guest on Bloomberg Television, CNBC's "Market Wrap," and many other shows. He has also been profiled in The New York Times, Los Angeles Times, USA Today, Barron's, Forbes, Fortune, Business Week and numerous other publications. Mr. Fried was listed as one of "50 Great Investors" in Fortune's Investors Guide 2004. Mr. Fried is a Cornell graduate.

Jules M. Fried is a member of two Bank committees: Audit and Compliance, and Corporate Governance and Nominating. He is a Principal at Atlantic VIC, a technology venture development business, and owner of JM Fried & Co., an investment, consulting and recruitment firm. Previously, he was Executive Vice President of The Lappin Company, a Boston-based recruitment firm specializing in hard-to-find life science hires and co-founder of Strictly Personal, Inc., a web-based software company providing correspondence and management tools for non-profit fundraising. Before that, he built and led a two-time Inc. 500 digital printing peripheral equipment manufacturer as a founding management team member. Earlier in his career, Mr. Fried was a partner in the law firm of McDermott, Will & Emery, having co-founded the firm that became their Boston office. Mr. Fried started his legal career in the Antitrust Division of the US Department of Justice and was part of the team responsible for the litigation resulting in the breakup of AT&T. Mr. Fried serves on the Finance and Audit committees of Gann Academy in Waltham, MA, holds a law degree from the University of Michigan Law School, and is a graduate of Princeton University.

Michael S. Gerstein founded Copy Cop, the Boston-based copy/printing chain, in 1967. He was President and "Top Cop" for 38 years before selling the company in 2005. Michael played a major role in retail site selection, corporate strategy, technology decisions, and advertising. He received his master's degree in Chemical Engineering from MIT, and graduated from Harvard Business School's OPM program for owners of closely held businesses.

Robert J. Gilbert, a practicing attorney in Andover, Massachusetts, established Gilbert & Renton, LLC in 1995 to provide sophisticated litigation services to clients – ranging from individuals to recognizable companies such as Reebok, America On-Line, Stop & Shop, Philip Morris, Westfield Corporation, Invensys and more – in complex business, product liability, and insurance coverage disputes. Before establishing Gilbert & Renton, Mr. Gilbert practiced at Goodwin, Procter & Hoar in Boston and Latham & Watkins in San Diego. Mr. Gilbert is an honors graduate of Harvard Law School (J.D., 1987) and Princeton University (A.B., 1983).

James B. Glaser is an attorney who has founded and played key management roles in several businesses focusing on the real estate sector. Currently, Mr. Glaser is a senior advisor and minority investor in The Mortgage Place, Inc., a residential mortgage company. A licensed and practicing attorney, Mr. Glaser is a graduate of Washington University (BSBA 1989) and New England School of Law (JD 1993).

Joseph A. Gordon is a Partner in the Newton, Massachusetts Law Firm of Kline and Gordon, LLP. He has been a practicing attorney for over 40 years and has substantial experience, representing small businesses, commercial and residential real estate transactions and commercial litigation. Over the years, Mr. Gordon has represented numerous greater Boston banks in commercial and residential loan closings, workouts, commercial litigation, and foreclosures.

Peter N. Gordon is Chairman of the Investment and Asset Liability Management Committee; and a member of two additional Bank committees: Audit and Compliance; and Corporate Governance and Nominating. He is a Senior Vice President of Payment Network Solutions at FIS supporting the strategic direction, profitability and long-range growth of the Payment Network Solutions group. Mr. Gordon’s responsibility also includes PayNet, the industry’s first global real-time non-card based payments network for domestic and international money movement. FIS is a leading global provider of technology and services to the financial services industry, serving more than 14,000 clients in more than 100 countries. Previously, Mr. Gordon was a partner at eCom Advisors, which was sold to FIS in April of 2010. eCom Advisors was a strategic financial services consulting firm specializing in developing the next generation of direct banking services, including applications for online and mobile banking, online account opening for loans and deposits and electronic bill payment. Mr. Gordon has more than 20 years of experience in strategy, IT and banking and is a recognized speaker on e-commerce, direct banking and CRM related topics. Prior to joining eCom Advisors, Mr. Gordon served as a Senior Vice President of the Direct Bank for RBS Citizens, where he was responsible for online banking, bill payment and the bank’s web and phone banking sales channels. Prior to working at RBS Citizens, Mr. Gordon spent 15 years as a consultant for EDS, KPMG, Renaissance and ZEFER serving leading financial services companies as well as several early and mid-stage companies. Mr. Gordon has a bachelor’s degree in finance and a bachelor’s degree in management information systems from Syracuse University and has an MBA from Babson College. He has also completed Executive Education at the MIT Sloan School.

Salvatore Guerrera is the founder and President of Sajo - the premier global company providing services to finish high-end Retail Chain Stores. Clients include Williams-Sonoma, GAP, Apple, Tommy Hilfiger, Aldo Shoes, and more. Sajo has its corporate headquarters in Montreal with two offices in the US and one in London. Sajo has three manufacturing plants worldwide and the company just started a new division for Asia in China. Mr. Guerrera is active in causes that will benefit the human race. For example, he and his wife started the CURE Foundation for helping to find a cure for breast cancer. He and some friends started PRO CURE for helping to find a cure for prostate cancer. He helped to start National Denim Day in Canada - where company employees could wear jeans one day per week. He also sits on many boards.

Joseph Hare is co-founder of Hammond residential, a regionally-based real estate brokerage firm with offices throughout greater Boston. The company generates between 1 and 1 ¼ billion dollars in sales volume annually and is considered by industry standards to be one the most productive real estate firms in New England. Originally from New Jersey, Joe came to Boston in 1984 from the Meredith Corporation to join the management team at Hunneman & Co. Realtors. He is a graduate of Dickinson College.

Eric Hirschberg is Executive Vice President of the Colorado Division of Lockton Companies, LLC. Lockton is the world's largest privately held insurance brokerage firm. Its 3,800 employees, in 45 offices worldwide, specialize in business insurance risk analysis and insurance broking for small, mid-size and large companies and public and charitable organizations. Lockton's commercial broking expertise is comprehensive. Prior to joining Lockton, Mr. Hirschberg was the practice leader for the employee benefit consulting divisions at Towers Perrin, Aon, and Watson Wyatt. He received his Bachelor of Arts degree from Stanford University, attended Trinity College, Oxford University and completed the Leadership Development Program at Harvard University's Graduate School of Business.

David Karcher is Vice President Business Development for Diversinet. Diversinet is a leading provider of secure mobile wallets, secure mobile vaults, and secure mobile payments. Mr. Karcher has managed sales, business development, and strategic alliances in companies including Metavante, iPay Technologies, and startup companies in the payments vertical. He has significant experience in developing deals with large, strategic partners such as IBM Global Services, Fiserv, and Fidelity National Information Services. Mr. Karcher holds a BBA in Finance from the University of Wisconsin.

Jay Kroopnick is Vice President and part owner of W & G Machine Company in Connecticut. With offices in the US and Australia, the core business of W & G Machine Company is to provide spare parts support and related logistics services to the US military helicopter fleet of Sikorsky and Boeing aircraft. This is achieved through the various US Defense Logistics Agencies (DLA's) that have been delegated the procurement tasks by the Pentagon and also the individual Service Logistics Commands. Mr. Kroopnick has his BSc from Northeastern University and his MBA from Boston College.

Frederick C. Lane joined Raymond James & Associates in 2009 as Vice Chairman from Lane Berry & Co. International where he had been Chairman, CEO and Founding Partner. Previously, Mr. Lane was a Managing Director of Donaldson Lufkin & Jenrette (DLJ), as well as of Credit Suisse First Boston upon CSFB's acquisition of DLJ in 2000. When Mr. Lane joined DLJ in 1976, he was one of only eight investment bankers at the Firm. He was instrumental in the growth of DLJ's investment banking business as reflected in his installation to DLJ's Hall of Fame. From 1989 to 1995, Mr. Lane was co-head of DLJ's Mergers and Acquisitions Department. An active private equity investor, Mr. Lane was a founding investor of Staples, Inc. and has invested successfully in numerous other private companies, including Seven-Up; VMX; Bitpipe; Online Resources; and MediaVast. Mr. Lane received his BA, Cum Laude, from Harvard College in 1971, and his MBA, with distinction, from Harvard Business School in 1973.

David Lowe, Ph.D. considers himself a life long entrepreneur with over 10 years experience as a business operator. He was one of the original owners of Stacy's Pita Chip Company along with his sister Stacy. Dr. Lowe was intimately involved in all aspects of developing Stacy's into a multinational brand. During a short eight-year period, Stacy's annual sales grew from $100,000 to $65 million; distribution expanded from regional to international, and a 180,000 sq/ft manufacturing plant was designed and executed. In 2006, Dr. Lowe was one of the key players in the acquisition of Stacy's Pita Chip Company by PepsiCo. Currently, Dr. Lowe is involved in private equity, and is an operating partner at Fireman Capital Partners. Dr. Lowe received his Ph.D. in clinical psychology when he was 26. His charitable interests are in Dana Farber, The National MPS Society, and Rosie's Place.

Stacy Madison is currently an operating partner at Fireman Capital Partners. Ms. Madison founded Stacy's Pita Chip Company in 1997, a top selling natural snack food brand. In 2006, with sales topping $65 million, Stacy's Pita Chip Company sold to PepsiCo. Ms. Madison holds Bachelors and Masters Degrees in psychology and social work, respectively. She was honored with a White House invitation during the Clinton administration as an example of a successful woman owned business. She has also received numerous local and national awards including: the Governor's Entrepreneurial Spirit award, the Sam Walton Award for business leadership, the Boston Business Journal's "Best Places to Work" Award, and was inducted into Boston's Small Business Hall of Fame. She also has been featured on the Today Show, Inc. Magazine, USA Today, Chronicle and numerous other local and national media outlets.

Michael A. Manzo is a Partner of The Beal Companies and a Senior Vice President of Beal and Company, Inc. Mr. Manzo's activities include negotiating major leases, project and deal structuring, and securing equity and debt for clients and the Company's own projects. Prior to joining The Beal Companies as Vice President in 1975, Mr. Manzo was Vice President for Commercial Operations with Spaulding and Slye Corporation, now Jones Lang LaSalle. Mr. Manzo has also been an investor and a director in a number of operating businesses including a computer business; a regional Jiffy Lube Master Franchisee; and a corporate licensee for Sav-A-Lot food stores. Mr. Manzo received an M.B.A. and a B.S. from Pennsylvania State University. He is very active in professional groups and the Boston community.

Edward P. Marram is responsible for all administrative activities and programs led by the Arthur M. Blank Center for Entrepreneurship at Babson. Dr. Marram has also been an adjunct professor at Babson for 20 years, lecturing on entrepreneurship. Dr. Marram was the founder, president and CEO of GEO-CENTERS, INC., a high technology, professional services firm which he sold in 2005 – after it was recognized twice by Inc. Magazine as one of the fastest growing, privately-held companies in the United States. He currently serves on numerous boards. He has a Ph.D. from Tufts University and M.S. and B.S. degrees from the University of Massachusetts, Amherst. He was named a Price-Babson College Fellow and received the Edwin M. Appel Prize for Bringing Entrepreneurial Vitality to Academia.

Peter F. Mawn is Chairman of the Compensation Committee; and a member of the Corporate Governance and Nominating Committee. He is a founding partner of Oakmont Partners, LLC, a Boston based wealth management firm. Mr. Mawn has had over thirty years of experience in the financial services industry, including senior positions at John Hancock, Fidelity Investments and Sun Life Financial.  He has held executive positions in personal trust services, capital markets, mergers and acquisitions, hedge funds and private equity products. Mr. Mawn has a BS from the University of Massachusetts, Lowell and an MBA from the University of Massachusetts, Amherst.

Donald J. Musso, an organizer of First Commons Bank, is the founder and president of FinPro, Inc., a consulting firm that is an industry leader in working with start-up banks and advising organizing groups across the country in all stages of the de novo bank process. FinPro works with over 400 financial institutions nationwide. Mr. Musso is a frequent speaker at various trade association functions and teaches at the Stonier Graduate School of Banking, Graduate School of Banking at Colorado, and the Graduate School of Bank Investments and Financial Management. Mr. Musso is also an organizer and director of a de novo bank in Long Island and was a founder of one recently sold in Pennsylvania. He is a significant investor in many others. He has served in board, managerial and advisory roles with all types of financial institutions.

Mark J. Pasculano is the Chief Supply Officer at Tickets for Charity, working directly with the corporate market to better utilize their excess ticket inventory for social good, benefitting both their corporate aligned charity of choice and the buyer's charity as well. Mr. Pasculano previously served as the Chief Credit Officer of First Commons Bank from June 2010 through August 2012. Prior to First Commons Bank, Mr. Pasculano spent 14 years at Silicon Valley Bank (SVB), most recently as the Senior Credit Officer for the Northeast Division. At SVB, he was also a loan officer, managed a lending team and was a SVP, focusing on the early stage, venture backed, technology market. Prior to completing his MBA at Boston University, he spent 2 years at Bank of Boston in their Retail Banking Group. He also worked at Banc of America Securities in their Private Client Group, and worked as a Subcontractor to the Risk Strategy & Regulatory Consulting practice at Deloitte & Touche LLP. Mr. Pasculano previously served on the board of the New England Children's Foundation. He received his BA from Tufts University. Mr. Pasculano is also a founder of First Commons Bank.

Robert L. Reynolds is President and Chief Executive Officer of Putnam Investments. Mr. Reynolds was Vice Chairman and Chief Operating Officer of Fidelity Investments from 2000 to 2007. From 1996 to 2000, he was President, Fidelity Investments Institutional Retirement Group. Previously, Mr. Reynolds held various senior management roles within the Fidelity Investments organization, beginning in 1984. A native of Clarksburg, West Virginia, Mr. Reynolds graduated from West Virginia University College of Business and Economics in 1974 with a bachelor’s degree in business administration, majoring in finance. Mr. Reynolds is also a founder of First Commons Bank.

Scott Rossborough was an organizer of the Bank, and is a leading marketing and sales professional. He previously served as a senior executive and board member at Saatchi & Saatchi, a multinational communications company. Mr. Rossborough was president of Nathan/Tyler, a joint venture with Harvard Business School and FORTUNE Magazine that published and distributed distance learning products for senior executives.  Mr. Rossborough was also a partner at Trinity Marketing, a marketing consultancy that provides market research, marketing planning and creative services to companies throughout the U.S. Currently, he is a Senior Consultant with Ipsos Vantis, a leading market research and strategy consultancy specializing in innovation services for FORTUNE 500 companies. Mr. Rossborough received his BA/BS from Union College.

James K. Schmidt is the retired lead portfolio manager of the John Hancock Regional Bank Fund, the largest financial sector mutual fund. Mr. Schmidt launched the fund in 1985 and under his tenure it grew to over $2 billion in assets. He was also the lead manager of the John Hancock Financial Trends Fund, the John Hancock Financial Industries Fund, and the John Hancock Real Estate Fund. He served as Executive Vice President and Senior Investment Strategist of MFC Global Investment Management (U.S.), a subsidiary of Manulife Financial Corporation. Mr. Schmidt is a Chartered Financial Analyst and a past President of the BancAnalysts Association of Boston. He currently serves on numerous boards, including Keefe Bruyette, & Woods, a global investment banking firm specializing in the financial sector.

Arnold D. Scott is the Vice Chairman of the Bank and Lead Outside Director. He was also an organizer of the Bank. Mr. Scott is Chairman of the Audit and Compliance Committee. He is Vice Chairman of the Corporate Governance and Nominating Committee. He is also a member of the Compensation Committee. He is a financial services executive who enjoyed a 32 year career with MFS Investment Management, a major US investment management firm located in Boston. For his last ten years at MFS, he served as a board member and management committee member. Mr. Scott currently serves on the boards of directors of Pneuron Corp, Sevo Nutraceuticals, Inc. and Hub Management. He also is active in the Boston area “angel” investing community as a member of Hub Angels, an Advisory Board Member of The Capital Network, and as an adviser to early stage companies. Mr. Scott received a BA from Alderson-Broaddus College and a JD from Rutgers Law School.

James M. Scott is CEO and owner of On-Line Data, a printing and mail sorting business in Indiana. He started his business career as a bank lending officer, working in banks in West Virginia and Indiana. Then in 2002 he left banking and commenced his career as an independent business person in South Bend, IN. Mr. Scott is also an investor in early stage companies. He is an active member of the Rotary Club in South Bend and is past president of the LaSalle Council of the Boy Scouts of America. Mr. Scott holds a BS and a BA from Fairmont State University and an MBA from the University of Charleston.

Richard Serrins is President of MAi - Marketing Analysts, Inc. – one of the largest Market Research Companies in the United States according to the most recent report by Ad Age Magazine. MAi is headquartered in Charleston, South Carolina and the firm provides value-added, custom-designed primary marketing research to a wide variety of Fortune 500 and New Economy clients. At Mai, Mr. Serrins has worked with clients including AT&T, IBM, Northwestern Mutual, Kraft Foods, Owens-Corning, EuroRSCG, and more. Mr. Serrins joined MAi in 1986 and has been a partner since 1988. Prior to MAi, he held positions at American Express, NW Ayer, one of the leading national Advertising Agencies at the time, and Audits and Surveys in New York, where he began his career. He is a graduate of Hofstra University.

Robert L. Swanson, Jr. is currently a private investor after having spent 24 years with Pittiglio Rabin Todd & McGrath (PRTM), a general management consulting firm serving technology-based industries. He joined PRTM in 1978 and was instrumental in building the firm into a global organization with 14 offices worldwide before he retired in 2002. As a partner and a very early member of the firm he was involved with all aspects of running the firm. Currently Mr. Swanson is associated with the firm as he chairs Atlantic Ventures, a venture capital fund which PRTM helped start and fund. In addition, he is involved in a number of private investments and sits on numerous private and non-profit boards including Stanford University's Graduate School of Business Management Board. He received his BS from Cornell University and his MBA from the Stanford University Graduate School of Business.

Joe Wheeler is the Executive Director of The Service Profit Chain Institute, a Boston-based consulting firm dedicated to helping companies achieve better performance by improving the linkage between employees, customers and profits. The Service Profit Chain Institute was founded by Mr. Wheeler and Professors James Heskett and W. Earl Sasser of the Harvard Business School, to partner with companies to bring the concepts associated with The Service Profit Chain® to life in their own organizations. Mr. Wheeler has co-authored two books on the Customer Experience: The Ownership Quotient, Putting the Service Profit Chain to Work for Unbeatable Competitive Advantage (HBS Press Dec 2008) and Managing the Customer Experience – Turning Customers into Advocates (FT Prentice-Hall 2002). Prior to launching The Service Profit Chain Institute, Mr. Wheeler was the Managing Director of Customer Experience for FleetBoston Financial/Bank of America where he was responsible for customer experience, quality and productivity. Prior to this, he was an Executive Vice President with The Forum Corporation where he held various roles from heading the firm's Customer Experience Consulting Practice to leading the company's Canadian Division. Mr. Wheeler's consulting experience includes implementation of customer experience, service management and total quality initiatives for many organizations including Kraft General Foods, Irving Oil Ltd, Fairmont Hotels and Resorts, Manulife Financial, Export Development Corporation, Sun Life of Canada, Canadian Imperial Bank of Commerce, Scotiabank, The Steak n Shake Company and CA (formerly Computer Associates). Mr. Wheeler completed his Master’s in Business Administration at the Edinburgh Business School and studied Arts and Science at the University of Toronto and Queen's University in Kingston.

Howard Wolk is Co-President of The Cross Country Group, LLC (CCG), a privately-held organization comprised of several independent, entrepreneurial, technology-enabled service companies. CCG's companies currently include Cross Country Automotive Services, Cross Country Home Services and Financial Recovery Technologies. CCG also has an investment arm with a range of investments. Prior to joining CCG, Howard was an attorney at Simpson Thacher & Bartlett in New York City and Associate Counsel in the White House during the Clinton Administration. Howard has a B.A. (Intellectual History) and B.S. (Finance) from the University of Pennsylvania, a J.D. from Columbia Law School and an M.P.A. from Harvard's Kennedy School of Government. Howard also serves on several non-profit boards.

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