Graduated from Syracuse University, B.S. Finance in 1978. Worked for Foreign Credit Insurance Association in New York City (1978-1982). Graduate of the Southwestern Graduate School of Banking at Southern Methodist University (1984-1986). Director - Structured Trade Finance, Bank of America (1982-1996). VP and Manager of Trade Finance, The Bank of New York Mellon (1996-2000). Global Advisor - Wells Fargo (2000 - 2024).

Lived in Manhattan, Milwaukee, Houston, Pittsburgh, Dallas and for the last ten years in Denver.