Customized financing to consolidate high-interest debt or fund major purchases or expenses.

WAYS TO USE YOUR LOAN

Debt consolidation

Tailored commercial financing that supports all your business needs to help you grow quickly. 

Tailored for entrepreneurs that want to establish additional active and passive income streams.

 

 

 

Customized financing to consolidate high-interest debt or fund major purchases or expenses.

BHG Financial Leadership

Motivate. Inspire.
Lead by example.

Exceptional leaders do not force success — they inspire it through action. Each of our leaders embraces a philosophy committed to bringing out the best in their teams by showing them how they can find the best in themselves.

Eric Castro, Al Crawford and Tyler Crawford Eric Castro, Al Crawford and Tyler Crawford
Al Crawford
CEO, Co-Founder & Chairman of the Board
https://www.linkedin.com/in/albert-crawford-67875742/

Albert Crawford is Co-founder, Chairman, and Chief Executive of BHG Financial, a leading national provider of financial services to professionals, individuals, and small- to medium-sized financial institutions.  

Under his leadership, the company has thrived, becoming a successful lender of more than $19 billion in loan solutions to top-quality borrowers and facilitating the creation of one of the largest community bank networks in the country. With over 1,600 members, BHG Financial’s Institutional Network supports financial institutions nationwide by offering premium services that help with asset growth and regulatory needs.  

From new products and markets to the company’s winning culture, Mr. Crawford has led BHG Financial to receive over 25 accolades and awards since its inception. His personal highlights include being chosen as one of the elite 10 selected for the Inc. magazine CEO Project and being named an Ernst & Young Entrepreneur of the Year for Financial Services. 

Eric Castro
Co-Founder
https://www.linkedin.com/in/ericrcastro

Eric Castro is a co-founder of BHG Financial and has taken on various organizational roles throughout his tenure, including Senior Credit Officer and Chief Operating Officer, adjusting to fulfill any position in the company's best interest. During BHG Financial's record growth, he focused on fortifying the company internally as it continued evolving and scaling.

Drawing from his experience in the U.S. Marine Corps, his insight and execution strategy on leadership and culture have been essential to developing an ecosystem that has defined and reinforced the company from the ground up. It has led to repeated national recognition, including being honored by Great Place to Work in various categories for multiple years. Eric was instrumental in launching BHG LEAD, a program designed to develop level four leaders and give them the foundation, skills, and ability to be more effective.

Eric received the Ernst & Young Entrepreneurs of the Year Award for financial services.

Harold Carpenter
CFO, Pinnacle Bank
https://www.linkedin.com/in/harold-carpenter-7a183abb

Harold Carpenter serves as Chief Financial Officer and as a member of Pinnacle's senior leadership team since 2000. As such, Harold oversees all of Pinnacle's financial operations, including strategic planning, financial forecasting, treasury, accounting, tax, investor relations and capital markets activities, including several follow-on equity offerings, numerous debt issuances and numerous mergers since 2006.

Harold was previously Lead Financial Manager for First American Corporation's Tennessee, Mississippi and Louisiana operations prior to its merger with AmSouth Bancorporation in 2000. First American was a $25B financial institution predominantly located in TN but with operations in several Southeastern US states. Harold joined First American in 1998 during its merger with Jackson, Miss.-based Deposit Guaranty Corporation, where he had served for four years as chief financial manager of the company's business units. His previous experience includes serving as controller for Commerce National Corporation in Shreveport, LA which was acquired by Deposit Guaranty and KPMG Peat Marwick as senior manager from 1982 through 1994.

Harold obtained a Bachelor's degree and a Master's of Business Administration in Accounting from Louisiana Tech University in 1982. He is a member of the AICPA and FEI. He has served on the board of the Nashville Chapter of the American Red Cross and the Tennessee Business Roundtable. He was a member of the 2015 class of Leadership Nashville and a 2017 class member of Leadership Tennessee.

Jim Crawford
EVP, Institutional Sales &Board Member
https://www.linkedin.com/in/jimcrawfordbhg

Jim Crawford is a Board Member and Executive Vice President of Institutional Sales at BHG Financial.

Mr. Crawford provides the board with business insight from over 35 years of industry experience. He helps advise the company in matters that ensure profitable and healthy operations. 

As EVP of Institutional Sales, Mr. Crawford is responsible for hundreds of relationships between BHG and financial institutions nationwide. A driving force in positioning the company as the premier source of top-performing loans, he works closely with marketing, sales, credit, and pricing for BHG's loan portfolio.

Mr. Crawford has a wealth of experience in government securities and the mortgage industry, including finance and lending, first getting into the sector selling treasury and corporate bonds, then transitioning into retirement accounts. Before joining BHG, he was the sole owner and president of a successful title and mortgage company.

Mr. Crawford holds a bachelor's degree in math and economics from Muskegon University.

Tyler Crawford
President and Board Advisor
https://www.linkedin.com/in/tyler-crawford

Tyler Crawford is the President of BHG Financial. He is a seasoned executive with more than 15 years of experience in financial services, business building, product strategy, and business development. Since joining BHG Financial in 2012, Tyler has held numerous executive roles across the organization, most recently as the Chief Operating Officer, as well as launched new office locations and led internal initiatives focused on enhancing customer value, expanding market reach, and optimizing business efficiencies.

His deep-rooted understanding of the lending industry has enabled BHG Financial to set records in origination, revenue, and income, forging multiple new products, partnerships, and business development initiatives. These include BHG Financial's credit card program and consumer lending, which have collectively served hundreds of thousands customers and generated billions of dollars in revenue.

Tyler participates in the company's strategic partnerships and investments as a board member at ApplePie Capital and Apiture. His expertise has been quoted in top tier publications, including Forbes and CBS News. Tyler earned a bachelor's degree from Gettysburg College.

Dan McSherry
Chief Financial Officer and Board Advisor
https://www.linkedin.com/in/dan-mcsherry-38052a57

Dan McSherry is the Chief Financial Officer for BHG Financial, overseeing the firm’s accounting and finance functions, capital markets activities, and growth and investments strategy. Since joining the company in 2013, he has served in management roles for analytics, reporting, and business intelligence before transitioning to CFO. Dan is instrumental in many aspects of BHG Financials successes, including having closed eight asset-backed securitization transactions over the last few years.

Prior to BHG Financial, Dan spent four years at Lockheed Martin Corporation and has significant experience in the financial services industry, having spent time with CIBC World Markets Inc., UBS Financial, and Charles Schwab & Co. He earned a MBA and bachelor’s degree in finance and economics, both from Syracuse University.

Juan Carlos Ortigosa
Chief Revenue Officer and Board Advisor
https://www.linkedin.com/in/juan-carlos-ortigosa-12235724

Juan Carlos Ortigosa is the Chief Revenue Officer for BHG Financial, where he leads the revenue strategy, as well as designing and launching new revenue programs. Juan Carlos joined BHG Financial in 2012 as the Senior Vice President of risk management, followed by a tenure as Chief Credit Officer. These experiences paved the way for his current position, where he is crucial in steering the company's revenue trajectory.

His impact on BHG Financial is defined by developing the company's first credit scoring model and introducing a suite of models driving revenue strategies. He is recognized for building one of the country's most agile data and analytics departments and expanding his team from one to 300 employees.

Prior to joining BHG Financial, Juan Carlos developed and trained the credit and analytics team at Bank Atlantic. In this role, he managed risk for a $5 billion portfolio and developed predictive models for estimating delinquency and loan loss.

Emphasizing the importance of teamwork, Juan Carlos ensures his team works together toward common goals — making BHG Financial a leading financial services company and positively impacting customers' lives. His strategic insights and dedication to innovation and mentorship position him as a driving force behind BHG Financial's ongoing pursuit of excellence in the financial services sector.

Zachariah Raus
President, Lending Division
https://www.linkedin.com/in/zachariah-raus-7a358664

Zachariah Raus is President of the Lending Division at BHG Financial. He is a results-driven leader with over a decade of experience with growth and innovation in lending. Zachariah drives the organization's overall sales and client services strategy, overseeing the development and leadership of BHG Financial’s high-performing sales and customer service teams to deliver exceptional client satisfaction.

He first joined BHG Financial in 2012, establishing a solid foundation and building the health and wellness department, later transitioning into collections, patient lending, card services, and loan origination. His results led to rapid advancement and recognition, rising from sales manager to national sales manager, culminating in his current executive role.

Zachariah has established a highly successful organization with proven results – facilitating billions in business and personal loans. Recognized for his visionary leadership, genuine passion for developing top-tier talent, and extensive lending experience, he continues to be a driving force in BHG Financial's innovative strides and is a pivotal figure in propelling the lending industry forward.

Meghan Crawford-Hamlin
President, Institutional Sales
https://www.linkedin.com/in/meghan-crawford-hamlin-0b825842

Meghan Crawford-Hamlin is President of the bank division at BHG Financial, where she leads business development, placement operations, bank marketing, national events, and regulatory relations. A results-driven executive, she oversees all institutional-facing functions and drives strategy, execution, and relationship development across the division. Since assuming her current role in 2020, she has facilitated the placement of over $13 billion in assets to over 30% of banks nationwide, positioning BHG Financial as a market leader in delivering high-quality loan sale opportunities to institutional partners. She led the division to expand its national footprint, deepen its regulatory engagement, and instilled meaningful revenue growth through operational scale and strategic alignment.

Meghan joined BHG Financial in 2015 and rapidly advanced through leadership roles, initially managing the firm’s largest institutional portfolio, which included hundreds of community banks. Her career spans sales, strategy, and client success at scale.

Prior to BHG Financial, Meghan served as a Director at The Fitch Group Company, where she was responsible for growth across the firm’s largest North American client portfolio. She began her career at IAC, a global media and internet holding company operating across 100+ countries. She sits on the boards of Pathfinder Bank and Risk Management Solutions Group (RMSG), a regulatory advisory firm.

Meghan is an active member of the American Bankers Association and Independent Community Bankers of America and contributes to community leadership as a Woman of Impact Team Member for Go Red for Women. She earned a bachelor’s degree from Bucknell University.

April Brissette
Chief Risk Officer
https://www.linkedin.com/in/april-brissette-9a231018

April Brissette is the Chief Risk Officer at BHG Financial. She is responsible for safeguarding BHG Financial’s interests and reputation by effectively managing and mitigating its business risks. In this role, she oversees Compliance, Fraud & Financial Crimes, BSA/AML, Quality Assurance, Model Risk Management, and Special Projects. April has held various leadership roles throughout her 18+ year tenure with the company, including chief of staff to the CEO, president of Fund-Ex Solutions Group, a wholly owned subsidiary of BHG Financial, and chief credit officer of BHG Financial.

April currently serves as treasurer on the board of directors for David's Refuge, a non-profit organization that supports parents and guardians of children with special needs or life-threatening medical conditions. April is a member of the 2020 class of Leadership Greater Syracuse, has won a Central New York 40 Under 40 Award, and was named "Outstanding Mentor" at the Central New York Business Journal's Successful Business Women Awards.

Matt Ondus
Chief Compliance Officer
https://www.linkedin.com/in/matthew-ondus-1223a12

Matt Ondus is the Chief Compliance Officer for BHG Financial.

He oversees the compliance, regulatory, and legal teams that maintain the day-to-day operations, focusing on managing consumer protection, financial service, and federal and state banking laws.

An expert in consumer protection laws and regulations, Mr. Ondus has 38 years of senior-level financial regulatory experience working in the public and private sectors.

Before BHG, Mr. Ondus was a commissioned national bank examiner for the Office of the Comptroller of Currency. He also worked for the Consumer Financial Protection Bureau as the examiner in charge of overseeing two of the largest banks in the country. He then moved to the private sector as a director for Promontory Financial Group.

He is a member of the Alabama State Bar, holding his Juris Doctor degree from Cleveland Marshall College of Law.

Katie Barnes
Chief Human Resources Officer
https://www.linkedin.com/in/katie-barnes-phr-68673731

Katie Barnes is the Chief Human Resources Officer at BHG Financial, where she leads the strategy and direction of the People Development department. As a key member of the executive leadership team, Katie plays a pivotal role in shaping BHG Financial’s dynamic workforce and fostering a high-performance culture that supports both business growth and employee success.

Under her leadership, BHG Financial has navigated rapid expansion while maintaining its core values and award-winning culture — recognized annually by Great Place to Work, Fortune, Inc., American Banker, and regional business journals. Katie has been instrumental in building a scalable HR infrastructure, driving initiatives in talent strategy, leadership development, total rewards, and organizational effectiveness. Her work has helped BHG Financial attract and retain top talent, support a successful transition to hybrid and remote work, and reinforce a culture of trust, accountability, and continuous improvement.

Katie earned a Bachelor of Science in Event and Hospitality Management from the University of Central Florida. She is also a certified Professional in Human Resources (PHR).

Thomas Davis
Chief Placements Officer
https://www.linkedin.com/in/thomas-a-davis-84180678

Thomas Davis is the Chief Placements Officer for BHG Financial. He oversees all analytics and reporting for placements, placement team operations, and the funding team.

Mr. Davis's team manages the cost of funds (COF) for daily loan sales to more than 1,600 community banks nationwide and is responsible for all collateral regarding Capital Markets transactions – often called upon to administer custom buying and selling events.

He began his career at BHG as a lead analyst, providing insight into loan sale methodology, costs, auction trends, bank industry trends, and institutional marketing. Prior to this, Mr. Davis was a senior analyst at National Grid, providing analysis and contract management for D-Line construction and service contracts under the PM&CC group. He was vice president of Sedgwick Capital Corporation, managing operations related to providing construction and receivables financing for the resort timeshare industry.

Mr. Davis is a New York Air National Guard veteran and received a bachelor's in psychology from Le Moyne College.

Ed Durant
Chief Credit Officer
https://www.linkedin.com/in/ed-durant-2203b3b1

Ed Durant is the Chief Credit Officer at BHG Financial, leading the Credit Risk Management and Risk Modeling teams. He oversees credit decisions on all BHG personal and commercial loan products.

A vital member of BHG Financial since 2003, Mr. Durant was the chief financial officer for over 13 years, where he helped grow BHG from under $5 million in revenue in 2003 to nearly $216 million in revenue in 2018. He was also the main contributor in developing BHG’s credit risk and pricing framework.

In 2018, Mr. Durant was named to Central New York’s 40 Under Forty list, recognizing leadership in the workplace and community. He also received an award from the Business Journal News Network recognizing private company CFOs.

Mr. Durant has a bachelor’s in economics from Colgate University.

Christopher Cali, Esq.
Chief Legal Officer
https://www.linkedin.com/in/christopher-cali-7622489

Christopher Cali, ESQ, is the Chief Legal Officer for BHG Financial.

Mr. Cali brings a wealth of knowledge and expertise to his role. He oversees all legal affairs within the organization. This includes everything from compliance, collections, litigation, and customer service. Under his leadership, he ensures that BHG Financial remains compliant with all laws and regulations governing lending and financial operations.

Before joining the firm, he owned and operated a legal practice in New York, concentrating on commercial transactions and corporate representation. He is licensed to practice law in the state of New York and is a member of both the New York State and Onondaga County Bar Associations.

Chris earned his Juris Doctor cum laude from Suffolk University Law School, where he was a member of the Moot Court Board. He also earned a master’s degree from Regent University, as well as a bachelor’s degree from the State University of New York at Oswego.

Fred Hamilton
Chief Information Security Officer
https://www.linkedin.com/in/fred-hamilton-8481113/

Fred Hamilton is the Chief Information Security Officer for BHG Financial. 

Mr. Hamilton is responsible for building and managing the Information Security Program that ensures the highest standards of cybersecurity and protects BHG Financial and its most vital assets – customer, partner, and company data. 

His insight into risk communication enables him to identify and articulate complex security risks, providing strategic direction in security governance, compliance, identity management, and security operations.  

An information security leader with over 26 years of experience in the banking, government, retail, and fintech sectors, he's worked for companies such as BankAtlantic, Assurant, and AutoNation.    

Mr. Hamilton has served on multiple advisory boards for prominent security firms and has advised local industry groups. 

John Henrie
Chief Regulatory Relations Officer
https://www.linkedin.com/in/john-henrie-7849bbaa

John Henrie is the Chief Regulatory Relations Officer for BHG Financial.

He plays a central role in navigating all regulatory matters, including reviews from various federal and state authorities. He also supports enterprise risk management programs and reporting.

Mr. Henrie joined BHG Financial in 2022 as senior vice president, regulatory relations officer, overseeing all business practices and ensuring regulations are properly understood and satisfactorily met.

Before BHG Financial, he spent more than 34 years with the FDIC, most recently serving as regional director of FDIC’s Atlanta Region, handling every aspect of the FDIC’s supervisory activities. This role included managing risk management and compliance programs, overseeing regulatory applications and notices, and coordinating informal and formal corrective programs for financial institutions with assets of up to 500 billion dollars. He also led bank regulators and banking industry efforts to identify and respond to emerging, complex banking matters, including challenges arising during the Great Recession and the COVID-19 pandemic.

Robert Stacey
Chief Analytics Officer
https://www.linkedin.com/in/jason-w-murray-86410a22/

Robert Stacey is the Chief Analytics Officer at BHG Financial, leading the firm’s
modeling, analytics, and revenue strategies.

Mr. Stacey joined BHG Financial in 2018 with significant financial and modeling
experience, previously developing models for GE Capital and JP Morgan.

A visionary leader adept at leveraging data to inform strategic decisions, Mr. Stacey
spearheads many mission-critical BHG initiatives, including credit risk and margin
models, marketing selections and eligibility, lead routing, pricing, fraud strategy,
production analytics, and commission benchmarks.

Mr. Stacey graduated first in his class at both the University of Miami and Stanford
University. He earned his bachelor’s degree in finance, economics, and management
science followed by his master’s degree in management science with concentrations in
finance and economics.

Mark Schmidt
Senior Risk Advisor
https://www.linkedin.com/in/mark-schmidt-09053b46/

Mark Schmidt is the Senior Risk Advisor at BHG Financial. He previously served as the Chief Regulatory Relations Officer for BHG Financial and still works in an advisory capacity for the company with regard to compliance, risk, and regulatory matters.

Prior to joining BHG Financial, Mark spent seven years as a managing director at Promontory Financial Group and 33 years with the Federal Deposit Insurance Corporation (FDIC) in various supervisory positions. While at the FDIC, he oversaw bank supervision policy in Washington, D.C., was regional director of the Atlanta region, and served as a consultant for the International Monetary Fund. He also participated in the 1996 Legis Fellows Program, working for the Banking and Financial Services Committee of the U.S. House of Representatives.

Mark earned a MBA in finance from the University of Missouri-Kansas City and a bachelor's degree in accounting from Iowa State.

John Antonczak
EVP, Strategic Advisory & Corporate Finance
https://www.linkedin.com/in/john-antonczak-5349a45

John Antonczak is an Executive Vice President at BHG Financial and a key advisor to the BHG Financial Board of Directors. He oversees corporate finance, capital structure management, and strategic initiatives throughout the organization. He also holds key roles on the 401(k) and Enterprise Risk committees.

John joined BHG Financial in 2019 with extensive experience in finance, capital markets, and corporate strategy. His background includes asset securitization, leveraged lending, and corporate banking, and he has closed over $5 billion in commercial financings over his career. He has held various senior leadership roles at large regional banks, including Flagstar Bank and Fifth Third Bank after having spent time with Royal Bank of Canada and Comerica Bank. He earned his MBA and bachelor's degree in economics from the University of Michigan and previously FINRA Series 7 and 66 licenses.

Hugh Queener
EVP, Strategic Advisory & Risk
https://www.linkedin.com/in/hugh-queener-1758a740

Hugh Queener is the Executive Vice President of Strategic & Risk at BHG Financial. Hugh was previously Chief Administrative Officer of Pinnacle Bank and Pinnacle Financial Partners, Inc. in Nashville, TN, a position he had held since the company was formed in 2000.

Prior to joining Pinnacle, Hugh spent 13 years at First American National Bank/AmSouth in a variety of positions, including Senior Vice President of Operations Support, Executive Vice President of general banking, Executive Vice President of operations and technology, and Executive Vice President of retail lending programs. Hugh has also held executive-level positions at software providers the Kirchman Corporation and Systeme Corporation. He earned a bachelor's degree in business administration from Tennessee Wesleyan University.

Danielle Walker
EVP, Strategy & Operations
https://www.linkedin.com/in/danielle-walker-24b4b136

Danielle Walker is Executive Vice President of Strategy & Operations at BHG Financial. She oversees revenue operations, data platform management, vendor and third-party relationships, strategic partnerships, and reporting.

Each year, Mrs. Walker is responsible for delivering the company's revenue roadmap. She works closely with product and technology to implement strategic organizational changes.  From data acquisition through visualization, she navigates business intelligence to ensure quality data is delivered to the company while conceptualizing new ways to expand BHG's marketable universe.

Since joining the company in 2012, she's been an integral figurehead within BHG, gaining experience in all divisions, including reporting, analytics, data, marketing, and sales operations.

Mrs. Walker completed Stanford University's Executive Education Program and graduated from The University of Florida's Warrington College of Business with a bachelor's degree in finance and business administration. In 2023, the South Florida Business Journal named her to their Most Influential Business Women list. She is actively involved in various charities in her community including the Boys and Girls Club, Salvation Army Angel Tree, and Make-A-Wish.

Daniel Okhman
SVP, Co-Head of Capital Markets
https://www.linkedin.com/in/daniel-okhman-9669232a3/

Daniel Okhman is Senior Vice President and Co-Head of Capital Markets. 

Mr. Okhman oversees all aspects of capital markets activities, ensuring strategic alignment with the company’s financial objectives  

He leads efforts to raise capital through various channels, which include debt, equity, and structured financing. His additional responsibilities include market analysis, investor relations, team leadership, reporting, and compliance. 

Mr. Okhman started his career with BHG Financial in 2010, with previous experience in sales, operations, and portfolio management. He helped start the capital markets division in 2019. 

Mr. Okhman earned his bachelor’s degree in finance from Lemoyne College. 

Jen Zhao
SVP, Co-Head of Capital Markets
https://www.linkedin.com/in/jen-zhao/

Jen Zhao is the Senior Vice President and Co-Head of Capital Markets for BHG Financial. 

Ms. Zhao manages the organization's capital market activities, sourcing, negotiating, structuring, and executing private and public transactions to secure essential funding. This includes whole loan sales, multi-year term loans, warehouse facilities, asset-backed securitization, residual sales, and retained bond financing. She also serves as a voting member of the credit committee.   

Before BHG, Ms. Zhao worked at Credit Suisse in their investment banking division, assisting clients in issuing debt securities and financing their businesses. Prior to that, she worked for Deloitte and PricewaterhouseCoopers advisory practices, further enhancing her financial acumen. 

She holds a master's degree in business from the University of Rochester Simon Business School and a bachelor's degree in finance and accounting from Beijing University of Technology. She is certified as both a CFA and CPA. 

Mei Han
SVP, Finance
https://www.linkedin.com/in/meihan0208/

Mei Han is Senior Vice President of Finance for BHG Financial.

She oversees the company's financial planning and analysis (FP&A) function, inventory and distribution strategy, cash management plan and capital markets activities.

Ms. Han joined the company in 2015 and, since then, has spent time managing teams in marketing analytics, production analytics, and institutional and capital markets. Currently, she leads the financial forecast model, manages the cash and liquidity position of the company, and oversees several strategic planning and budgeting in alignment with company goals. Additionally, Ms. Han and her team monitor and report the unit economics and lifetime margin of loans originated by the company while analyzing profitability metrics on various loan sale structures to institutional buyers. As a senior member of the finance team and direct report to the CFO, Ms. Han supports the capital markets and executive teams in investor relations, M&A projects and growth planning across the company.

Before BHG, Ms. Han worked for a large technology firm. She has an MBA and a Master of Arts Administration from Syracuse University, and a dual bachelor's degree in finance and spanish from Shandong University in China.

Paul Carlisle
President, Advisory Services RMSG
https://www.linkedin.com/in/paul-carlisle-crcm-19910615b

Paul Carlisle is the Chief Audit Executive (CAE) for BHG Financial where he provides independent, objective assurance and consulting services for BHG Financial's lines of business and departments. Paul is also responsible for managing the company’s internal audit program (i.e., the third line of defense).
 
Prior to his current role as CAE, Paul served as the President of Advisory Services for Risk Management Solutions Group (RMSG), a wholly owned subsidiary of BHG Financial, where he established client relationships through various business development initiatives and oversaw engagement execution for banks and fintechs of all sizes, providing them with regulatory and risk management guidance and support. Paul remains a Board Member and Senior Advisor for RMSG.
 
Before BHG Financial, Paul held various high-level roles in the finance industry, serving as a CFPB compliance examiner, FDIC safety and soundness examiner, compliance officer with USAA, and a consultant with Grant Thornton and Promontory Financial Group.

Christopher Capecelatro
SVP, Credit Operations
https://www.linkedin.com/in/chris-capecelatro-87aa905/

Christopher Capecelatro is the Senior Vice President of Credit Operations for BHG Financial.

Mr. Capecelatro leads the credit team in executing the broader strategic vision of the organization. Building out the company’s small business underwriting capabilities, he focuses on developing application pathways that are low hassle for borrowers, powered by technology, and scalable. Utilizing bank transaction data, he developed a process that has pushed the boundaries of the previously established medical professional borrower archetype to a more dynamic approach that includes more accurate decisions based on timelier financial information encompassing risks applicable to all businesses.

Before joining BHG, he was a founding employee at Funding Circle U.S. He spent eight and a half years as director of U.S. underwriting, building the underwriting function from the ground up and developing, launching, and managing the transition to proprietary web-based underwriting software. He also previously worked as manager of credit at AIG Global Risk Management, owning and executing strategies to collect outstanding collateral, legal documents, and other receivables while overhauling the underwriting processes to optimize risk-adjusted profitability.

Mr. Capecelatro holds a Bachelor of Arts in economics from the University of New Hampshire.

Jenny Mechali
SVP, Shared Services
https://www.linkedin.com/in/jenny-mechali-3307325

Jenny Mechali is the Senior Vice President of Shared Services at BHG Financial.

She oversees business operations and is a central figure focusing on leading transformational initiatives and process excellence, ensuring BHG is in the best position to meet its financial goals. Her role includes handling operational strategy and program management, helping to streamline BHG’s processes, and improving customer experiences. She is also responsible for the enterprise sourcing and vendor management function, which is comprised of vendor negotiations, contracts, sourcing, and RFPs. 

An experienced leader with a demonstrated history in strategy, operations, and financial and vendor management, she previously held roles at Ultimate Software and Citrix. 

Ms. Mechali has a Bachelor of Business (B.B.A.) from Florida Atlantic University and is certified in Six Sigma methodologies and agile delivery frameworks.

Andrew Stone
SVP, Fraud Management
https://www.linkedin.com/in/andrew-stone-fraud

Andrew Stone is the Senior Vice President of Fraud Management at BHG Financial.  

Mr. Stone leads a team of over 30 fraud professionals responsible for developing and implementing enterprise fraud policies and procedures, managing fraud risk segmentation and mitigation, overseeing fraud operations, technology infrastructure, AML/BSA compliance, and executing global fraud strategies across several unique product lines.  
 
Additionally, Mr. Stone oversees the exploration of new technologies and solutions that can help combat fraud and financial crimes in the complex and dynamic economic landscape.  

Prior to BHG, Mr. Stone served as a senior risk management leader at Amazon and the director of fraud management for OnDeck Capital 

Mr. Stone is a board observer and industry subject matter expert for Vouched, a leading identity, KYC, and biometrics solution. He also serves as an advisory resource to other start-ups or emerging companies, looking to disrupt the current fraud/risk technology ecosystem. 

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