Established within the alternative financial services sector, this expert brings over 20 years of consulting and operational experience with a focus on payday lending, auto title lending, and online consumer finance. His areas of specialization include industry licensing, regulatory compliance, operational procedures, capital structuring, business formation, and sales and acquisitions, along with lobbying efforts and legislative engagement. He began as an operator, building a two-person online payday loan startup into a multi-million dollar enterprise with both retail storefront and online operations, providing firsthand experience in scaling financial service businesses across multiple markets.

A substantial portion of his consulting work involves advising companies on compliance with state and federal regulations, including preparation for regulatory examinations, development of loan documentation and disclosures, and evaluation of operational practices. He has supported the launch of several dozen startups and has worked with more than 100 companies through his consulting firm, providing services that include market research, business modeling, operational structuring, and strategic growth planning for payday and auto title lending businesses operating in multiple jurisdictions.

In leadership capacities, he serves as president of a financial services consulting and brokerage firm and as president of a trade association representing over 40 companies within the alternative financial services industry. In these roles, he acts as a spokesperson for industry participants, coordinating communications, organizing industry events, and representing stakeholder interests in legislative and regulatory matters at both city and state levels. His experience includes direct engagement with policymakers and regulatory bodies, as well as oversight of initiatives related to compliance frameworks, operational standards, and industry best practices.

His professional background also includes ownership and management of a multi-state payday and auto title loan business, with responsibility for daily operations, call center management, collections, and financial performance. In a litigation context, he has prior experience providing services as a finance expert witness, including consultation on industry practices, compliance standards, and operational procedures within the payday lending sector. He holds a bachelor’s degree in radio-television-film and has completed a business foundations program, supporting his work in financial services operations, consulting, and regulatory compliance.