

| EMPLOYMENT HISTORY RZD Investigative Group, Inc - Present President
Phillips & Cohen Associates May 2002 – January 2006 Information Research Manager (Skiptracing to the trade) • Responsible for the training and development of Information Research Analysts. • Customized skiptracing training manual to conform to PCA methodology. • Developed the research protocol pursuant to PCA methodology. • Developed daily reports and graphs that are sent to upper level management daily. • Comply with all state, and federal collection laws. (FDCPA) CNAC (Carnow Acceptance Company) May 2001 - May 2002 Finance Manager • Responsible for the management of credit underwriting, loan approvals, and collections for this sub-prime auto finance company. • Developed and authored collection letter library. • Develop criteria for collateral recovery. • Maintain contractual collections below 10 percent. • Maintain deferred down payment collections below 2 percent. • Comply with all federal, and state lending and collection laws International Intelligence Agency, Inc. January 2001 - April 2001 Southeastern Regional Manager • Responsible for the management of the southeastern region of this national repossession, skiptracing, investigation and research firm. • Authored training manual for the firm. • Developed a marketing plan for the firm. • Develop marketing protocol and strategies. • Develop and train new investigators • Obtain all proper permits to make certain that the company is in full compliance with local, state and federal laws. Applied Card Systems / Cross Country Bank January 2000 - January 2001 Collection Manager, Skiptracing Manager • Responsible for the development and implementation of a new skiptracing department at this major credit card issuer in the sub-prime marketplace. • Authored the skiptracing-training manual and had it adopted for use company wide. Developed the daily and monthly reporting systems. • Developed and trained new skiptracers. • Setup production goals and expectations. • Developed the communications between the skiptracing department and the collection department. • Isolated fraud accounts and refer them to the proper authorities. • Also responsible for two collection units of approximately 40 collectors with two supervisors, and two team leaders. Receivables Specialist Inc./International Locate & Asset Services, Inc. 1993 - 1999 Vice-President, Marketing & Investigations • Trained and developed new investigators. • Developed major clients in the financial services industry. (i.e. credit cards, banks, and finance companies) • Traveled extensively for the firms to meet with prospective clients. Assisted in the development of the company web site. (http://www.rsi-ilas.com) • Numerous guest spots on National, Regional, and Local radio. Western & Southern Life 1991 - 1993 Account Executive • Responsible for maintaining the accounts of existing clients as well as establishing new clientele for the company. • Sold life, health, and annuity products to existing clients and new ones. Assisted in the training process of new representatives and the methodology of field calls. • Assisted in the development of new marketing concepts King Communications, Inc. 1989 - 1991Account Executive • Responsible for the sale of advertising for a growing local radio station. • Maintained existing clients • Continuously sought out new clients and brought them excellent results, therefore generating additional revenue for them. • Trained new representatives for the station Metropolitan Life Insurance, Co. 1986 - 1989 Account Executive • Responsible for the marketing of financial service products and developing a client base from the ground up. • Sold life, health, and annuity products to existing clients and developed new ones. • Assisted in the training process of new representatives and the methodology of field calls. • Assisted in the development of new marketing concepts. American Express Company 1980 – 1986 Credit/Collection Analyst • Collected 90 day plus accounts. • Referred accounts for cancellation. • Referred accounts to fraud and chargeback units. Specialized in skiptracing for the company. • Made determinations of how accounts should be handled. (i.e. legal, outside agency) |


| Our goal is to make certain that all skiptracers and collectors are properly trained. |