Manager Management

KENNETH J. WOJTACH

**** ****** ****

WATERVILLE, OHIO 43566

Home Phone - 419-***-**** / Cell Phone 440-***-****

E-mail - ********@***.***

OBJECTIVE: To join a growing financial organization where I can utilize my

experience and assist in maximizing production, profits and shareholder's

value. My years in the credit industry at all facets will enable me to

maximize my complete talents while focusing on utilizing my exceptional

analytical and motivational skills in a challenging management position.

QUALIFICATIONS AND SKILLS:

. Formulating monthly and annual budgets including multi-year planning

. Exceptional coaching and motivational skills for large (75-150 FTE)

call center staffing

. Strong organizational skills in analyzing, planning and problem

solving

. Exceptional written and verbal communication skills

. Team player and open-door management style to maximize profitability

Managing, analyzing, and assigning large volume workloads and

portfolios utilizing Dialer technology for optimal coverage

Collection strategies based on various scoring and segmentation tools

. Effective integrating management and people with processes and

technology

. Continue updating professional, technical and legal knowledge from

professional publications, personal networks and professional

societies

. Review compensation and incentives to adjust for increased production

and fees.

EMPLOYMENT HISTORY

2007- 10/2009 Alliance One Incorporated - Maumee, Ohio

SITE MANAGER

I was recruited to oversee the operations in Anderson, Indiana with a

collection staff of approximately 50-60 FTE collectors and an overall staff

of 75 employees.

. Corporate management requested after 30 days of my employment

assistance and recommendations to help secure us in winning the RFP

for Alliance One on a new telecommunication client, Helio

Communications. They requested my input because of my past experience

in both sales and operations in the telecom industry.

. The client portfolio would be split into an Early-Out program of 75

FTE in Jamaica and a 3rd party collections of 75 FTE in Maumee, Ohio.

I was offered a promotion to be project client manager for the

complete Helio project including collections and client service

liaison. I would be commuting every two weeks between Jamaica and

Maumee, Ohio.

. During the next 60 days management requested my assistance in

stabilizing and addressing some problems with the complete Maumee,

Ohio site.

. Alliance One proceeded to relocate my family and me to the Maumee,

Ohio office within the next 60 days to become Site Manager.

ACCOMPLISHMENTS:

. Manage successful a profitable and competitive operations of a

collection call center, inclusive of human and material resources.

. Focus personnel and manage the vision, required goals and successful

direction of a call center.

. Responsible that all personnel meet and exceed all KPI's and client

requirements.

. Develop, coordinate and manage key supervisory personnel to assist in

the success of the call center and the complete company operations.

. Support clients to meet all of their expectations including service,

quality, performance and goals.

. Project and manage a P&L budget that will achieve profitability and

service all goals and client requirements.

. Work closely with supervisory staff in monitoring and critiquing

collection representatives to assure all corporate policies, standards

and procedures are being met on each call.

. Daily interaction with any vendor when issues arise to provide

stability and uninterrupted service to all clients.

. Reviewing with the management staff daily dialing campaigns to assure

proper penetration, collector efforts, desired recovery results and

due diligence is being met for all clients.

. Coordinating the different client markets with the correct and

appropriate supervisory and collection staff.

. Number one on recovery scorecards of many various clients and hence

increased placements.

. Responsible for final results on wide range of collection services.

Includes calling as client on first party collections, Early-Out pre-

charge off accounts, medical billing follow-up, Early-Out fixed per

account charge, primary, secondary, tertiary, servicing debt buyers

and legal collections.

. The client industries consist of Medical, Utilities, Bankcard,

Telecom, commercial, NSF checks, miscellaneous debt buyers, city and

State governments.

05/2005 -12/2006 C.J. Consulting - Cleveland, Ohio

PRESIDENT

C.J. Consulting was formed with the goal and objective of assisting various

in-house collection operations with meeting their collection requirements.

We are able to review the operations and give an analysis of areas we feel

the organization can improve in meeting both their clients and internal

results. My years of experience in all facets of a collection operation

provide an organization an outside review and opinion to maximize the

overall production and staffing goals and requirements.

1989 - 2005 Global Automated Recoveries - Cleveland, Ohio

CEO, CFO, PRESIDENT

Global Automated recoveries were formed in 1989 with the goal of providing

credit granters a reliable, consistent and productive service to assist in

the managing of their Accounts Receivable portfolio. Our company offered

many solutions to our clients from the initial billing to, the complete

collection process including if client requests, the final recommendation

of legal action. Any Request for Proposal (RFP), sales material as well

as operation and production results available upon request.

. Recruiting and hiring of all personnel unless delegated to department

management

. Final approval on appraisal of branch employee performance, rewards or

disciplinary actions, addressing major complaints and resolve

escalated problems.

. Final responsibility for all collections, skip tracing, and litigation

and compliance to all legal standard including FDCPA and HIPAA.

. Monthly monitoring and reviewing the various collection benchmarks

with management staff

. Ability to effectively manage multiple issues with the resources and

time available

. Analyzed operational efficiency, cost per account and trending

analysis to determine client profitability.

. Multi year strategic budgeting, annual operating and capital budgeting

. RFP preparation and new project analysis to meet standards

ACCOMPLISHMENTS:

. Experienced in providing services ranging from client in-house

staffing, initial insurance filing, insurance follow-up, 30 day self

pay programs, charge-off 3rd party, secondary and older accounts or

any combination of the above.

. Our firm has receivables management experience in many industries

including oil credit cards, bank credit cards, retail credit cards,

educational loans, bank and credit union loans, Telcom, B2B, NSF

checks and medical clients.

. Our many medical clients included Doctor offices, Clinics, Emergency

Rooms, Group practices and Hospitals

. 600% increase in yearly recovery for GTE Wireless from $1 million to

$6 million dollars in an early-out pre-collection program for total of

$25 million

. GTE reduced the age of placements turned over to us from 105 days past

due to 45 days because of our superior results

. Customer call attempt at 46 days past due were intercepted and routed

to a GAR representative to represent GTE for resolution and possible

reactivation of phone

. Trained as a consultant over 200 GTE call center representatives on

FDCPA and collection techniques

. Increased outsourcing from one GTE call center to multiple regional

locations

. Also contracted with GTE to receive accounts at 120 days as 3rd party

collections

. 300% increase in yearly recoveries for BP OIL from $1 million to over

$3 million dollars in a 60 day early out program for total of $15

million

. Consulted BP Oil and assisted on installation of a new A/R collection

software

. Originally collecting only BP Oil credit cards. This was expanded to

all areas of Accounts Receivable for BP OIL (NSF checks, heating oil,

bulk sales, etc.)

. Produced 80% recovery rate for over $5 million for ADENA Health

Systems on a 90 day outstanding insurance follow-up program

. Many other accomplishments of our company can be discussed in more

detail in future communications

1986 -1989 Central Adjustment Bureau (CAB) / Nationwide Credit (Credit,

Claims and Collections) - Oklahoma City, Oklahoma

AMERICAN EXPRESS NATIONAL DISTRICT BRANCH MANAGER

I was offered a promotion in 1986 to District Branch Site Manager of our

Oklahoma

City, Oklahoma branch. When I arrived the Oklahoma City branch was ranked

28 out

of 28 in production and was operating at a loss. The office proceeded to

become the 3rd highest profit center of the company. Central Adjustment

Bureau was sold

in 1988 to Credit Claims and Collections which was a division of Nationwide

Credit

located in Atlanta, Georgia.

ACCOMPLISHMENTS:

. The Oklahoma branch in 1986 was receiving only 2 states in new

placements from our premier client, American Express. During my 3

years, we increased our placements of American Express to 18 states

and became one of company's six American Express National call centers

. In 1986 we received the Oklahoma Tax Commission as a new client. We

increased production to over $100,000 per month.

. The Oklahoma branch was operating at a loss when I arrived in 1986.

By 1988 we increased revenue 300% and produced profits of over 40%.

. In 1989 our branch was rated in the top 5 for our company in total

collected and profit margin.

. We set a new record for 12 consecutive months in revenue and profits.

Our office consistently had a profit margin in excess of 40% monthly.

1986. Central Adjustment Bureau - Cleveland, Ohio

UNIT MANAGER / COLLECTION MANAGER

I was hired in 1984 as a Unit Manager. I was promoted in less than

one year to

Collection Manager

ACCOMPLISHMENTS:

. We increased our American Express placements for this office

from one state to 6 states during my tenure.

. We were at break-even when I arrived in 1984. By the time I was

promoted to Oklahoma we consistently produced 10-20% profit

margins.

. I was assigned to hiring, training and evaluating new employees.

I was responsible for all new placement allocation and

readjusting files when needed.

. I continued to work an American Express file while in management

training and finished numerous times in the top 5 of collectors

nationally.

. I was in training for District Branch Site Manager during 1985-

1986. In 1986 I received my promotion to the Oklahoma City

branch.

1984. American Creditors Bureau (ACB) - Cleveland, Ohio

AMERICAN EXPRESS AND OIL CARD COLLECTOR

I was a phone representative responsible to make arrangement with past due

charged off accounts

ACCOMPLISHMENTS:

. I was assigned in my first three months reassigned 2nd placements. My

production and results on this file earned me a promotion to primary

American Express and Shell Oil credit card portfolio.

. I earned many awards for being punctual and perfect attendance.

. District Manager presented me with the collector of the month award.

1983. First Investors Corporation - Cleveland, Ohio

MUTUAL FUNDS AND ANNUITY SALES

I sold Mutual funds and investment annuities for straight commission.

ACCOMPLISHMENTS:

. I received my Series 6 license to enable me to sell the above

investments

. I finish testing at a 97% correction rate

1993- 1997 Ken's World of Cards - Cleveland, Ohio

OWNER

I was owner and sole proprietor of a sports card and memorabilia store. My

store manager handled the day to day operations. The store was sold in

1997.

TECHNICAL SKILLS

FACS system CUBS system Debtmaster

Meditech

Medisoft RMS CPT-ICD9 HIPPA rules

Word Excel Powerpoint Publisher

Outlook Express VPN set-up FTP site set-up Mosaic

Various Dialers PC Anywhere Zip Drives Reflections

EDUCATION:

BBA in Finance, Cleveland State University, Cleveland, Ohio

. Ohio University, Athens, Ohio - Financial Management Coursework

. Previous Series 6 License - 97% correction rate

. American Collectors Association continual education

COMPENSATION: Package of salary, bonus, commission and or profit sharing.

A reduced package can be acceptable with the availability of stock options.

All compensation is negotiable.

REFERENCES: Personal and industry references available upon request

* WILLING TO CONSIDER RELOCATION *

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