Randy Dennis, President, Consulting Group
Randy is one of the original founding partners and is President of DD&F Consulting Group. He has been involved in all phases of bank consulting and has led DD&F to be annually ranked among the top financial advisors in the United States in mergers and acquisitions. Randy has functioned as the Principal or Senior Consultant for over 250 bank and thrift mergers, and is actively engaged in assisting bank clients with evaluating and acquiring failed banks with assistance from the FDIC. He serves on the faculty of Barret School of Banking in Memphis, TN.Read More
Robert (Bob) Fegtly, CVA, Managing Partner, Consulting Group
Bob is one of the original founding partners of DD&F Consulting Group and serves as Managing Partner over Mergers & Acquisitions and Valuations. He has over 35 years of experience specializing in mergers and acquisitions of financial institutions, including FDIC assisted transactions, traditional holding company and subsidiary acquisitions and sales, branch acquisitions and sales, and whole bank transactions. He has developed an expertise in financial and quantitative analysis and has overseen hundreds of acquisitions for financial institutions and their branch networks. Bob is also a Certified Valuation Analyst (CVA) with the National Association of Certified Valuators and Analysts.Read More
John Hargrave, Managing Partner, Consulting Group
John serves as Managing Partner over the Bank Performance and Risk Management groups. He provides particular expertise in non-traditional business plan development, anti-competitive challenges related to acquisitions, project management, regulatory consulting, statistical analysis, and branch transactions. As new opportunities unfold with the evolving banking industry, John facilitates the development of new strategies and services to meet the challenges and take advantage of the opportunities afforded by the changing banking landscape.Read More
Fred Wood, Principal, Strategic Business Development and Corporate Risk
In his role as Principal, Fred serves as the general counsel for the firm and oversees strategic business development and corporate risk. He has twenty years of legal experience and has worked in mergers and acquisitions of small and medium businesses, strategic initiatives in negotiations and marketplace expansion. Fred earned a Juris Doctor from Vanderbilt University School of Law in Nashville, TN and a B.A. in Government from The College of William & Mary in Williamsburg, VA. In addition, he is a member of the Arkansas Bar Association, International Business Brokers Association and M&A Source, and is a certified Business Intermediary and Mergers & Acquisition Master Intermediary (M&AMI).
Debi Barnes, Principal, Marketing and Communications
Debi provides marketing expertise with a specialized focus on assisting clients with sensitive strategic marketing and communication issues related to new market entry, name changes, mergers and acquisitions, FDIC assisted acquisitions and regulatory agreements for substandard regulatory examinations. In her more than 37 years of experience in banking and bank marketing, she has consulted on strategic planning, advertising, branding, public relations, product development, pricing, conversion and consolidation, research, database and web marketing, service delivery and sales. She holds a B.A. in mathematics from Hendrix College, Conway, AR and is a graduate of the Graduate School of Bank Marketing, University of Colorado, Boulder, CO. She is a member, past President and Director of the Arkansas Chapter of the Bank Marketing Association.
Ted Gammill, Principal, Bank Management and Finance
Ted applies his 38 years of experience working with banks and thrifts in the areas of management, audit and tax to advise financial institutions on mergers and acquisitions, recapitalizations, and executive level financial, regulatory, and management consulting. He also assists clients in complying with regulatory orders such as Memorandums of Understanding, Consent Orders, and Cease and Desist Orders. This involves overseeing the development of strategic plans, capital plans and liquidity management, and developing financial projections. In addition, having previously purchased insolvent financial institutions from the FDIC with his own company, Ted advises clients on the acquisition of failed institutions from the FDIC. He earned a BSBA in Accounting from the University of Arkansas, Fayetteville, AR, and is a Certified Public Accountant (inactive) and Certified Fraud Examiner.
Ashley Floyd, Senior Consultant, Regulatory
Ashley is regularly involved in projects related to bank and thrift mergers and acquisitions, and branch acquisitions. She works closely with clients and regulators to structure transactions, providing the necessary acquisition analyses, pricing strategies and regulatory applications to complete the deal. Other services she performs include business plan development, feasibility analyses, and regulatory assistance. Ashley holds an MBA from the University of Arkansas, Little Rock, AR and a B.S. from the University of Arkansas, Fayetteville, AR. She is a Graduate, Magna Cum Laude from Barret School of Banking, Memphis, TN and is member of the Risk Management Association.
Joshua Dennis, Managing Partner, Regulatory
As a Managing Partner of the Strategic and Regulatory division, Josh coordinates projects and provides detailed research and market data compilation for a wide variety of regulatory applications. In addition to preparing market analyses, branch strategy studies and branch applications for banks considering branch expansion, he also works on FDIC assisted acquisitions by analyzing financial information and crafting bid ranges. Josh earned an MBA from the Sam M. Walton College of Business and a B.A. in Communications from the University of Arkansas, Fayetteville, AR. He is a Graduate, Cum Laude from Barret School of Banking, Memphis, TN.
Kyle Shadid, MBA, CVA, Senior Consultant, Regulatory
Kyle provides support and assistance in a variety of regulatory consulting project areas which include assisting with regulatory applications for branch establishments and relocations, branch sales and acquisitions, whole bank merger and acquisitions, new charters and an array of other regulatory filings. He also prepares market analyses, branch strategy studies, and prepares branch applications for viable markets. Kyle has an MBA from the University of Arkansas at Little Rock and a B.S. in Finance with emphasis in Commercial Banking from the University of Arkansas, Fayetteville, AR. He is a graduate, Summa Cum Laude from Barret School of Banking, Memphis, TN. Kyle is also an accredited Certified Valuation Analyst (CVA) through the National Association of Certified Valuators and Analysts (NACVA).
Michael Dennis, Consultant, Regulatory
Michael provides support and assistance in a variety of regulatory consulting project areas which includes assisting with regulatory applications for branch establishments and relocations, branch acquisitions, merger and acquisitions and new charters. He also prepares market analyses, branch strategy studies, and prepares branch applications for viable markets. He is also an expert in FDIC loss share and specializes in helping banks get out of their loss share agreements. Michael holds a B.A. in Broadcast Journalism from the University of Arkansas, Fayetteville, and he is a Graduate, Magna Cum Laude from Barret School of Banking, Memphis, TN.
Hugh Patterson, Principal, Information Technology
Hugh advises clients in strategic technology planning, project management, vendor management, technology solution selection, implementation, and utilization. As a seasoned banking operations and technology professional, he draws from his 38 years in community banking and technology vendor sales and service to ensure effective implementation of solutions to support sales growth, increase revenue, and mitigate operational and compliance risk exposure. He holds a BSBA in Finance from the University of Central Florida. Hugh is also a published author of a book relating to the selection and implementation of technology solutions.
Jacque Wills, Principal, Information Technology
Jacque is a seasoned banking professional with over 39 years of experience in managing bank deposit operations and accounting, having served in the positions of Chief Operations Officer and Chief Financial Officer of community banks. She provides guidance to DD&F clients in the areas of operational and technology project management, systems integration, utilization, operational process improvement, ad hoc accounting and operations management. With her extensive industry experience, Jacque provides a comprehensive understanding of the efficiencies and risks of banking operations. She holds a BSBA from Southwest Baptist University.
Thomas "Tom" Rudkin, Principal, Mergers & Acquisitions
As a Principal at DD&F Tom is responsible for mergers & acquisitions and strategic business development for DD&F. He has over 30 years of experience in M&A and investment banking and has completed transaction projects totaling over $7 billion. Prior to coming to DD&F, Tom worked as an investment banker in Florida for FIG Partners, LLC of Atlanta, GA and was tasked with identifying investment banking opportunities for the firm. He frequently provides commentary as an industry expert for banking resource trades including SNL Financial and American Banker. He has a B.S. in Business from the University of Vermont in Burlington, VT.
Risk Management Group
Ronnie Peters, CISA, CRCM, Principal, Risk Management Group
Ronnie is responsible for overseeing various risk management services related to loan review, internal audit, information technology, consumer compliance, and the Bank Secrecy Act (BSA). He possesses a combination of regulatory, audit, compliance and technological experience including nine years as a safety and soundness and information technology examiner. He has extensive experience in evaluating risk management practices and adherence to applicable laws, rules and regulations and has assessed over 150 banks ranging in size from $10 million to $15 billion in assets. Ronnie is a Certified Information Systems Auditor (CISA) and a Certified Regulatory Compliance Manager (CRCM).Read More
Tom Layman, CISSP, CISA, Executive Risk Manager, IT Audit
As Executive Risk Manager of IT Audit, Tom oversees and conducts information technology audits, vulnerability assessments, and IT audit risk assessments. Prior to working with DD&F, Tom was responsible for the IT security of a Fortune 500 company that supported more than 15 million customers. While there, he collaborated on the design and review of the infrastructure security architecture and performed business continuity planning for the security framework. Tom earned a B.S. in Information Technology from the University of Phoenix, Las Vegas, NV and maintains certifications as a Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA), and IBM Certified Advanced Deployment Professional in Tivoli Security Management.
Adam Gilbert, CRCM, Executive Risk Manager, Compliance
Adam’s role as Executive Risk Manager of Compliance involves supervising a variety of reviews associated with consumer compliance, fair lending, loan review, internal audit, and the Bank Secrecy Act (BSA). He is a licensed attorney with over eight years of experience in the financial and banking industry as an auditor, consultant and mortgage broker. In addition, he served an externship with a state banking regulatory agency and has assessed or assisted banks ranging in size from $10 million to $10 billion in assets. Adam received a Juris Doctor from the University of Arkansas at Little Rock William H. Bowen School of Law and a B.B.A. in Managerial Finance from the University of Mississippi, Oxford, MS. He is also a Certified Regulatory Compliance Manager (CRCM).
Rachel Lang, CBCP, SSCP, Senior Risk Specialist, IT Risk Services
As a Senior Risk Specialist, Rachel possesses 11 years of experience in business continuity and information security and technology. She develops comprehensive business continuity plans, performs vendor reviews, and conducts various risk assessments required by the regulating agencies. She also formulates FFIEC-compliant programs and policies and provides employee training on business continuity, information security and incident response, and identity theft topics. Rachel earned an MBA and a B.A. in Business Management from the Harry F. Byrd, Jr. School of Business, Shenandoah University, Winchester, VA. She is a Certified Business Continuity Professional (CBCP) and a Systems Security Certified Practitioner (SSCP). She has also completed her first year at Barret School of Banking in Memphis, TN.
Sheryl Mosley, Senior Risk Specialist, Compliance & Internal Audit
Sheryl is a Senior Risk Specialist responsible for performing a variety of reviews and assessments associated with consumer compliance, fair lending, internal audit and the Bank Secrecy Act (BSA). Prior to working at DD&F, Sheryl was a Business Analyst in the financial industry and possesses over 21 years of accounting, marketing and managerial experience. Of that experience, she has 8 years in the banking industry relating to deposit and retail operations, business development, management and training. Sheryl holds her B.S. in Marketing with a minor in Accounting from Oklahoma State University, Stillwater, OK.
Jo Anna Rueda, CRCM, Senior Risk Specialist, Compliance & Internal Audit
Working as a Senior Risk Specialist, Jo Anna conducts a variety of reviews and assessments associated with consumer compliance, fair lending, internal audit and the Bank Secrecy Act (BSA). She possesses over 20 years of regulatory, audit and consumer loan and deposit compliance experience. Previously, she worked as a Director of Compliance and BSA Officer for a private label credit card company, an examiner with a federal banking agency and a Compliance Manager for a bank with $12 billion in assets. Jo Anna is a Certified Regulatory Compliance Manager (CRCM).
DD&F Consulting and Risk Management couldn’t exist without the experience and hard work of our dedicated support staff. They work behind the scenes to make sure the consultants can do their job helping our clients. More than likely, when you call us you’ll be greeted by one of our administrative staff—Jennifer, Jenny or Carla—who will make sure you are promptly taken care of. As you work with us you will come to know how important they are to the DD&F team.
Sherrie Smith, Office Manager, Human Resources
Sherrie oversees all administrative management and support functions for the company. She is directly responsible for human resources, billing and accounting, payroll, facilities management, and general office administration. She also coordinates professional education activities for the consultants and staff. Individuals interested in employment and career opportunities with DD&F can send resumes to Sherrie’s attention at firstname.lastname@example.org