Staff Profiles

Executive Management

Randy Dennis

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 the bank consulting and has led DD&F to be annually ranked among the top financial advisors in the United States in mergers and acquisitions. He has served as the Principal or Senior Consultant for over 250 bank and thrift mergers, and is presently actively engaged in assisting bank clients evaluate and acquire failed banks with assistance from the FDIC. Randy serves on the faculty of Barret School of Banking in Memphis, Tennessee.

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Robert Fegtly

Robert Fegtly, 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. He has over 32 years of experience specializing in merger 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 unique expertise in financial and quantitative analysis of acquisitions and has overseen hundreds of acquisitions for financial institutions and their branch networks.

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John Hargrave

John Hargrave, Managing Partner, Consulting Group

John serves as Managing Principal over the Bank Performance and Risk Management groups. He provides particular expertise in project management, business plan development, regulatory intervention consulting, and bank branch transactions. As new opportunities unfold with the evolving banking industry, John facilitates the development of strategic plans and implementation strategies to meet the challenges and take advantage of the opportunities afforded by the changing banking landscape.

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Consulting Group

Fred Wood

Fred Wood, Principal, Strategic Business Development and Corporate Risk

Fred Wood is a Principal with DD&F Consulting Group serving as the general counsel for the firm with responsibility for overseeing strategic business development and overall corporate risk for DD&F.  Fred has twenty years of experience in law and work with mergers & acquisitions of small and medium businesses, strategic initiatives in negotiations and market place expansion.  He holds 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, Virginia.  He is a member of the Arkansas Bar Association, International Business Brokers Association and M&A Source, and he holds certifications as a Business Intermediary and Mergers & Acquisition Master Intermediary (M&AMI).

Debi Barnes

Debi Barnes, Principal, Marketing and Communications

Debi provides marketing expertise with a specialized focus of assisting DD&F clients with sensitive strategic marketing and communication issues related to new market entry, name changes, merger and acquisitions, FDIC assisted acquisitions and regulatory agreements for sub standard regulatory examinations. She has over 37 years of experience in banking and bank marketing to include 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

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 in the areas of mergers and acquisitions, recapitalizations, and executive level financial, regulatory, and management consulting. He also assists DD&F clients in complying with regulatory orders such as Memorandums of Understanding, Consent Orders, and Cease and Desist Orders. This involves project management, assisting with the development of strategic plans, capital plans, liquidity management, and developing financial projections.  In addition, having previously purchased insolvent financial institutions from the FDIC with his own company, Ted assists clients with the acquisition of failed institutions from the FDIC. Ted holds a BSBA in Accounting from the University of Arkansas, Fayetteville, AR, and is a Certified Public Accountant (inactive) and Certified Fraud Examiner.

Ashley Floyd

Ashley Floyd, Senior Consultant, Regulatory

Ashley works with clients on projects including bank and thrift mergers and acquisitions, and acquisitions of branches. She works closely with DD&F clients and regulators to structure transactions and provides the necessary acquisition analyses and pricing strategies and regulatory applications to complete the transaction. Other services she performs include business plan development, feasibility analyses, and regulatory assistance. Ashley holds her M.B.A. from the University of Arkansas, Little Rock, AR and a B.S. from the University of Arkansas, Fayetteville. She is a Graduate, Magna Cum Laude from Barret School of Banking, Memphis, TN and is member of the Risk Management Association.

Joshua Dennis

Joshua Dennis, Senior Consultant, Regulatory

As a consultant for the Strategic Services division, Josh provides support and assistance in a variety of areas through research and market data compilation for a wide variety of regulatory applications. Josh’s work for our clients includes 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 holds his M.B.A. 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

Kyle Shadid, 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 holds his M.B.A. 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. He is a graduate, Summa Cum Laude from Barret School of Banking, Memphis, TN.  Kyle is an accredited Certified Valuation Analyst (CVA) through the National Association of Certified Valuators and Analysts (NACVA).

Michael Dennis

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

Hugh Patterson, Principal, Information Technology

Hugh provides guidance to DD&F clients in the areas of 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. He is also a published author of a book relating to the selection and implementation technology solutions.

Jacque Wills

Jacque Wills, Senior Project Manager, Information Technology

Jacque is a seasoned banking professional with over 39 years experience in management of 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 an extensive background and emphasis on the details, Jacque provides a comprehensive understanding of the efficiencies and risk of banking operations.  Jacque holds a BSBA from Southwest Baptist University.


Thomas "Tom" Rudkin, Principal, Mergers & Acquisition

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 with the responsibility of identifying investment banking opportunities for the firm.  Tom 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, Vermont.


Risk Management Group

Ronnie Peters

Ronnie Peters, CISA, CRCM, Executive Director, Risk Management Group

Ronnie is responsible for overseeing various risk management services relating 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 assessing risk management practices and adherence to applicable laws, rules and regulations and has assessed over 150 banks ranging in size from $10 million to $5 billion in assets.

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Tom Layman

Tom Layman, CISSP, CISA, Managing Director, IT Audit

As Managing Director 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 overall security of a fortune 500 company that supported more than 15 million customers, aiding in the design and review of the infrastructure security architecture and performing business continuity planning for the overall security framework. Tom holds a B.S. in Information Technology from the University of Phoenix, Las Vegas, NV and maintains certifications as a Certified Information Systems Security Professional, Certified Information Systems Auditor, and IBM Certified Advanced Deployment Professional in Tivoli Security Management.

Adam Gilbert

Adam Gilbert, CRCM, Managing Director, Compliance

Adam serves as a member of DD&F Risk Management Group with responsibility for performing a variety of reviews or assessments 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 and served an externship with a state banking regulatory agency.  He has assessed or assisted a variety of banks ranging in size from $10 million to $10 billion in assets.  Adam holds his 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. Adam is also certified as a Certified Regulatory Compliance Manager (CRCM).

Rachel Lang

Rachel Lang, CBCP, SSCP, Senior Risk Specialist, Business Continuity, IT Audit

As a senior risk manager, Rachel possesses 11 years of experience with business continuity and information security and technology. She develops comprehensive business continuity plans, performs vendor reviews, and conducts various risk assessments required by regulations. She also develops several FFIEC-compliant programs and policies and provides employee training on business continuity, information security and incident response, and identity theft topics. Rachel holds an M.B.A., 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). Rachel has completed her first year at Barret School of Banking in Memphis, TN.

Sheryl Mosley

Sheryl Mosley, Senior Risk Specialist, Compliance

Sheryl is a consultant for our Risk Management team and is 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

Jo Anna Rueda, CRCM, Senior Risk Specialist, Compliance

Jo Anna is a senior consultant in our Risk Management team and is responsible for performing a variety of reviews and assessments associated with consumer compliance, fair lending, internal audit and the Bank Secrecy Act (BSA). Jo Anna possesses over 20 years of regulatory, audit and consumer loan and deposit compliance experience. Her previous experience includes serving as the Director of Compliance and BSA Officer for a private label credit card company, an examiner with a federal banking agency and Compliance Manager for a bank with $12 billion in assets. Jo Anna holds the designation of a Certified Regulatory Compliance Manager (CRCM).


Administrative Support

Administrative Staff

DD&F Consulting and Risk Management couldn’t exist without the experience and hard work of the 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; and, as you work with us you will come to know how important they are to the DD&F team.

Sherrie Smith

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