Anthony James Buda

971-***-**** - adtnhp@r.postjobfree.com

Successful Finance, Accounting, Business Intelligence and Change Manager, Entrepreneur

Founding member CarePayment; grew from startup to a company that manages over $100 million of consumer/medical debt, from two founding members to over 200 people.

Provided support growing several startup companies from early stage to successful operations.

Established and managed a private debt fund to support CarePayment and other consumer and commercial loan activities.

Successfully managed finance functions in highly regulated industries, banking, public company, SEC, medical.

Member of management team that grew First Consumers National Bank (FCNB) to $4 billion assets from $80 million assets, less than 200 employees to over 1,600 employees.

Participated in the private and public sale and responsible for management of over $10 billion asset backed securities.

Developed and implemented risk and response models to enhance marketing programs that helped improve sales, brand awareness and efficiency of sister companies Eddie Bauer, Crate & Barrel and Spiegel, and marketing partners such as Bass Pro Shops, American Golf and Ross.

EXPERIENCE AND SKILLS

Accounting - performed and/or managed all aspects of the accounting function for each company listed.

Finance - performed and/or managed all financial reporting and analysis, including investor, regulatory, board, tax and covenant reporting, for all companies listed. Developed and implemented tax advantaged corporate structures. Structured a private debt fund to support consumer medical and other lending programs. Managed investment portfolio for FCNB.

Planning and Budgets - managed strategic, long-range and short-term planning for all companies listed. Developed and implemented all aspects of financial and operational planning processes.

Treasury/Capital Markets - performed all aspects of cash, treasury and capital markets for all companies listed. Managed several large banking relationships (Deutsche Bank, Wells Fargo, JP Morgan, BofA, Commerzbank, CIT Bank, WebBank, Goldman Sachs) including management of asset-backed securities program, a private debt fund, initial capital raises for startup companies, Federal Reserve Bank relationship, consumer deposit program and jumbo CD program. Participated and led M&A activities, mezzanine finance transactions, DIP and pseudo bankruptcy transactions and other complex transactions.

Risk Management - Developed, implemented and managed consumer and commercial underwriting systems including multivariate risk modeling with credit bureau interfaces. Managed or supported corporate risk management programs including policy development and implementation, regulatory compliance, insurance, etc. Developed, implemented and managed an asset/liability management program and committee for FCNB.

Operations - developed, implemented and managed operational procedures and protocols, training programs and support systems for startup and growth companies.

Management - member of senior management team at each of the companies listed below, managed professional staffs of up to 75 people. Functions managed included accounting, finance, tax, treasury, capital markets, investor relations, risk management (corporate, consumer credit, commercial credit), strategic planning, budgets, regulatory reporting/liaison, treasury, capital markets, operations, IT/Systems, human resources.

IT/Systems - Managed IT function for several companies. Developed, implemented and managed credit, accounting, loan management and analytical systems, typically as the primary user.

Marketing - Participated in the marketing, branding and sales process for all companies listed. Developed, implemented and managed response and existing customer behavioral models to promote credit utilization and retail sales. Developed responses to RFPs.

Human Resources - managed human resources including research, development, implementation and management of employee benefit programs.

EMPLOYMENT HISTORY

Consultant - (02/2018 – Present)

Highlights – Accounting, Finance, M&A, Management, Banking, Process Building and Improvement

Managed medical billing function for Multnomah County through Robert Half

Deposits, on-line banking and electronic funds settlements through several networks, US Bank

Acting CFO, ChoicePayment Services

oSuccessfully implemented a First Electronic Bank sponsorship relationship and policies and procedures to support compliance with consumer lending and applicable banking regulations associated with consumer lending program.

oProspected banking partner and negotiated terms of relationship.

oInterface with the bank through the implementation process.

oDeveloped systems for all aspects of program that met with bank regulatory standards.

oHelped develop client and consumer facing, web-based systems to integrate with operating and servicing systems.

oDeveloped financial plans and models.

oDocumented all systems including written policies and procedures.

Acquisition and Integration of a Company, Lighting Solutions

oSuccessfully acquired and integrated a complementary company for Lighting Solutions, a sister company to Pest Solutions.

oNegotiated and documented all aspects of the sale.

oHelped integrate new company operations and accounting with Lighting Solutions.

PatientCard, LLC – (04/2015 – 11/2017) – Director of Finance, Founding Member, Lake Oswego, OR

Highlights – PatientCard was formed in 2015 to serve large hospitals in their consumer finance business. It is a similar company to one listed below, CarePayment. PatientCard was sold in August of 2017.

Developed business plan and financial forecasts and models.

Participated in initial capital raise.

Developed and implemented accounting system, data warehouse, operating platform and web-based system for client and consumer interface.

Managed all aspects of accounting, finance and operations through implementation of first customers.

Developed business intelligence systems to begin improving products, processes, and systems.

Created written documentation of all processes and procedures.

Pest Solutions, LLC – (04/2012 – 04/2015) – Consultant, Acting CFO, Beaverton, OR

Highlights - Pest Solutions was formed in 2011 to serve the greater Portland area with satisfying client’s pest control needs. The company has grown from a start up to 30+ employees with clients ranging from Eastern Washington to the Oregon coast and Vancouver to Ashland. The company was recently sold to a large national competitor.

Developed business plan and financial forecasts and models.

Developed and implemented accounting system.

Helped create and document operating and servicing systems.

Helped respond to RFPs for several large government contracts.

Developed and implemented logistics system through external vendor.

Developed business intelligence systems to begin improving products, processes, and systems.

Created written documentation of processes and procedures.

CarePayment, LLC - (03/2002 - 03/2011) - Founding Member, CFO, Lake Oswego, OR

Highlights – CarePayment was formed in 2002 to serve hospitals nationwide. The company provides finance options to patients to help them afford large medical bills. CarePayment provides interest free financing to patients with no insurance or insurance limits that represent a significant financial hardship given their current financial situation. CarePayment merged with Destination Capital in November of 2004.

Developed business plan and financial forecasts and models.

Facilitated initial capital raise and subsequent capital raises.

Negotiated and managed merger with Destination Capital.

Developed and implemented accounting system, data warehouse, operating platform and web-based system for client and consumer interface.

Managed all aspects of accounting, finance, and operations from implementation of first customers through mature operations.

Developed business intelligence systems to begin improving products, processes, and systems.

Created written documentation of all processes and procedures.

Destination Capital - (11/2004 - 03/2011) - Member, CFO, Lake Oswego, OR

Highlights – Destination Capital was formed in 2001 to cater the needs of small and mid-sized companies providing unique finance solutions including tradition equipment and A/R lines and Mezzanine debt designed to fit their current needs. Developed all accounting, business intelligence and operating systems.

Managed merger with CarePayment.

Developed and implemented accounting system, data warehouse, and operating platform.

Managed all aspects of accounting, finance, and operations from implementation of first customers through mature operations.

Developed business intelligence systems to begin improving products, processes, and systems.

Created written documentation of all processes and procedures.

Income Opportunity Fund - (03/2007 - 03/2011) - Manager, CFO, Lake Oswego, OR

Highlights – Income Opportunity Fund was formed in 2007 to cater to the needs of Destination Capital clients and CarePayment. Funding for IOF was originally comprised of private investor capital; grew to include traditional financing from Goldman Sachs.

Developed business plan and financial forecasts and models.

Participated in initial capital raise and subsequent capital raises.

Established all fund policies and procedures.

Developed and implemented accounting system, data warehouse, operating platform and collateral system that allowed Goldman Sachs to monitor the borrowing base.

Managed all aspects of accounting, finance, and operations from implementation of first customers through mature operations.

Developed business intelligence systems to begin improving products, processes, and systems.

Created written documentation of all processes and procedures.

First Consumers National Bank (FCNB) - (01/1991 – 12/2001) – CFO, Credit Risk Manager, Beaverton, OR

Highlights – FCNB was formed in 1988 to provide credit card financing to subprime consumers as part of ITT Consumer Finance. The company was sold to the Spiegel Group in 1991. FCNB’s focus changed to include credit card financing for customers of Eddie Bauer, Spiegel, Crate & Barrel, Newport News and other retail companies. During the period from 1991 to 2001, FCNB grew from $80 million assets to $4 billion assets, less than 200 employees to over 1,600 employees and achieved excellent profitability.

Served as Credit Analyst, Budget and Reporting Manager, Controller and CFO, Credit Risk Manager beginning in 1995.

Developed data warehouses and business intelligence systems that allowed better decision-making for both risk and marketing/sales.

Managed the issuance and servicing of over $10 billion publicly traded and private asset-backed securities.

Acted as primary contact with rating agencies, investment banks and regulators.

Managed a staff of 70+ professionals in accounting, finance, payroll, treasury, and credit analysis.

Managed development and conversion of several accounting systems, operating systems, business intelligence systems, and treasury management systems.

Primary contact with banking regulators for finance, accounting, risk management, and credit functions.

FCNB was the most profitable small banking institution in the U.S. in terms of return on assets and equity for the five years ending December 31, 1999, according to the American Bankers Association.

Education:

Bachelor of Science Accounting from Portland State University 1991; areas of focus included mathematics, computer science and philosophy

Points of Interest: Passed CPA Exam, previous member of Board of Directors of Portland Area Boys and Girls Club, Captain of golf team at Portland State University. Mesa Community College and Helena High School

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