Howard Davner - Chief Executive Officer

Mr. Davner is extremely accomplished in the financial industry. He was a founder and principal of Terrapin Advisors and Ryett Capital Partners, long and short Hedge Funds with a track record of success. Formerly an Equity Specialist for Goldman Sachs focused on small to mid-cap companies, he built a reputation as an exceptional stock picker and was a New York Stock Exchange seat holder. Howard has a B.A. in Economics from the University of South Florida. Holds FINRA Series 7 and 63 licenses.


Jack Cook - Chief Operating Officer & Chief Compliance Officer

Mr. Cook is recognized for unyielding ethics and expertise in compliance. An experienced bond trader with a deep understanding of market trends and behavior in fixed income, equity and commodity markets. Former founder of Terrapin Advisors and Director at Credit Suisse in the Fixed Income Division. Jack has a B.A. in Economics from St. Lawrence University with a minor in History. Holds FINRA Series 3, 7, 24 and 63 licenses.


Jeff Davner - President

Mr. Davner is an experienced Wall Street manager and recruiter for multiple brokerage firms. Formerly a co-founder of Terrapin Advisors, partner of Bluestone Capital, co-founder of ATL Consulting and Regional Sales Manager for The Legend Group where he oversaw roughly $1Billion in managed assets. Jeff has B.S. in Political Science from Tulane University. Holds FINRA series 7, 63 and 24 licenses.


Robert B. Wade - Managing Director

Mr. Wade has extensive experience with domestic and global trading institutions. As head of International Fixed Income at MKI Securities he led the strategic consolidation of the Canadian, International, and World Bank areas, then integrating the New York and London trading operations. Utilizing his institutional relationships at BondNet Trading Systems he helped scale the firms fixed income trading prior to its acquisition by Bank of New York Mellon. Before joining PAF Rob pursued activities in precious metals.



Walt Wojciechowski - Managing Member & Chief Financial Officer

Mr. Wojciechowski has over 30 years of experience in consumer/commercial audit, loan origination, risk mitigation and business solution strategies. Walt has performed the roles of CEO, COO and CFO at the largest TRW/Experian affiliate and served as SVP at one of Experian's U.S. consumer services divisions. He is a current Board Member of the CDIA (Consumer Data Industry Association) and has been elected to multiple terms. Walt holds a B.S. in Accounting from LaSalle University.


Dr. Pat Nanda - Head of Analytics

Dr. Nanda is the head of Analytics at Microbilt. He manages client studies, scorecard development and default reduction strategies. Pat has been engaged with alternative data sources in the development of credit evaluation systems for the last 25 years and has been credited with building default prediction models in third world countries, including the Philippines and Malaysia. Pat holds a Doctorate of Philosophy (PhD) statistics from The University of Wisconsin – Madison.


Professional Service Providers


Cole-Frieman & Mallon LLP 

One Sansome Street, Suite 1895
San Francisco, CA 94104
Tel (415) 352-2300 - Fax (646) 619-4800


Liggett & Webb, P.A.
432 Park Avenue South, 10th Floor
New York, New York 10016
Tel: (212) 481-3490 - Fax: (212) 481-3496


4175 Veterans Memorial Hwy, Suite 204
Ronkonkoma, New York 11779
              Tel: (631) 737-4500-  Fax: (631) 737-4513                                          

Offshore Legal
                                Collas Crill                                                 3 Church Street, Level 8, Samsung Hub                    Singapore, 049483

Pepper Hamilton LLP
300 Two Logan Square
Eighteenth and Arch Streets
Philadelphia, PA 19103-2799

Bank of America
505 White Plains Rd.
Tarrytown, NY 10591

Millennium Trust Company
2001 Spring Road, Suite 700
Oak Brook, IL 60523