Management Team

Jack Lavin, President and CEO
Mr. Lavin has served as President and CEO of Arrow since 1995 and is responsible for leading the overall strategic direction of the company. Prior to joining Arrow, Mr. Lavin led the derivative, capital markets and corporate finance business units at Banker Trust. In his career, he also has served as head of Citibank's European treasury consulting group and established the international capital markets group at Drexel Burnham Lambert. Mr. Lavin earned his Bachelor's degree at the University of Wisconsin at Madison, and an MBA from the American Graduate School of International Management (Thunderbird). He was a key contributor to the book "Inside the Minds: Entrepreneurial Momentum" and was named Ernst & Young's 2003 Entrepreneur of the Year for Financial Services (Chicago).

Michael Valentino, Executive Vice President and CFO
Mr. Valentino joined Arrow in September 1999 as the Chief Financial Officer. He is responsible for finance, accounting, risk management and new business activities, including M&A. Mr. Valentino brings to Arrow nearly twenty years of investment/merchant banking experience in financing and advising specialty finance companies over a broad range of credit sectors. Prior to joining Arrow, Mr. Valentino was Executive Vice President at ContiAsset Receivables Management LLC and was head of financial controls for treasury operations at Morgan Guaranty Trust (now JP Morgan Chase). Mr. Valentino holds a B.S. degree in Accounting from the State University of New York at Albany.

Ronald Lavin, Executive Vice President and COO
Mr. Lavin is responsible for overseeing Arrow's recovery operations across its four nationwide call centers, as well as managing key client relationships. Mr. Lavin has more than 20 years of experience in the asset recovery industry, and has been with Arrow for over 15 years. Mr. Lavin holds a BS degree from the University of Wisconsin at Madison.

Brian Cutler, Executive Vice President and CTO
Mr. Cutler is responsible for the company's information technology infrastructure and technology strategy. He has nearly 30 years of experience in the receivables management industry and is an acknowledged expert in the industry's systems, software applications and technology. Mr. Cutler is one of the original architects and users of the Flexible Automated Collections System (FACS) by Ontario Systems, one of the leading collection management systems in the industry.

Jeff Chen, Senior Vice President, Risk Management
Mr. Chen is responsible for the design, implementation and maintenance of all financial risk management and portfolio pricing models. Mr. Chen was formerly the head of the Structuring and Analytics Group at ContiFinancial and brings over 15 years of experience in banking and structured finance. Prior to ContiFinancial, Mr. Chen was a manager at Coopers & Lybrand, LLP (now PriceWaterhouseCoopers) in the structured finance practice, specializing in mortgage and asset-backed securitization and fixed income valuation. He is a Certified Public Accountant and holds a BS degree in Accounting from Binghamton University.

Don Lupo, Vice President, Finance & Capital Markets
Mr. Lupo oversees Arrow's cash and investment management, as well as managing its financing business. He was formerly one of the primary bankers at ContiFinancial, responsible for the management of the charged-off consumer debt business line and was instrumental in guiding Arrow in its growth and development during its association with ContiFinancial. Mr. Lupo holds a BS degree from Rochester Institute of Technology and an MBA from the Zarb School of Business at Hofstra University.

Steve Wilansky, Vice President and Chief Legal Officer
Mr. Wilansky is responsible for management and oversight of Arrow's Corporate legal department. Mr. Wilansky has over 18 years of legal, collection industry and business experience, and has practiced law in both law firm and corporate environments. Mr. Wilansky holds a BA degree from Cornell University and a Juris Doctor from The George Washington University National Law Center.

Joe Freda - Vice President and Controller
Mr. Freda is responsible for Arrow's accounting, financial reporting and cash management functions. He brings to Arrow over 15 years of corporate accounting experience, including seven years in the audit and assurance practice of Price Waterhouse (now PricewaterhouseCoopers).  Mr. Freda is a Certified Public Accountant and holds a Masters degree in Accounting from DePaul University and a BA degree in Economics from the University of Illinois - Urbana/Champaign.

Mark Cavin - Vice President, Portfolio Management
Mr. Cavin is responsible for Arrow's portfolio inventory across all of its operations. Prior to Arrow, he held various senior management positions at Union Bank of California . Mr. Cavin currently serves on the board of the Health Centers of San Diego, which operates 13 inner-city health care centers providing care to nearly 400,000 disadvantaged citizens in greater San Diego.

Michael Walter - Vice President, Niles Operations
Mr. Walter is responsible for Niles Call Center Operations. He brings over 16 years of experience in credit, collections and operations. Prior to joining Arrow Financial, Mr. Walter held various call center management and corporate positions, most notably with Discover Financial Services. Mr. Walter holds a BS in Finance from Ohio State University and an MBA from Franklin University.

Mike Bozzo, Vice President, Strategic Finance Group
Mr. Bozzo is a Vice President in Arrow's Strategic Finance Group. He is responsible for structuring and managing strategic finance investments and partnerships. Mr. Bozzo has 15 years of institutional investment experience, and prior to joining Arrow, was a Vice President in the Structured Finance Group at Prudential Financial. At Prudential, his responsibilities included originating and managing structured and asset-backed securities across a broad asset class and credit quality range. Mr. Bozzo earned his BA from Columbia University and his MBA from New York University.

Paul Kottmer, Vice President, Human Resources
Mr. Kottmer is responsible for the management and development of Arrow's corporate and call center human resources departments. In this role, he is responsible for compensation, benefits, staffing, training and organization development. Mr. Kottmer brings to Arrow over 15 years of corporate experience. Mr. Kottmer holds a Masters degree in Industrial Relations from the University of Wisconsin and a Bachelor's degree from Mankato State University.