Bruce is General Counsel for Antares Capital. Located in Chicago, Bruce joined Antares Capital in February of 2016 after the sale of the business to CPPIB (Canada Pension Plan Investment Board).
Prior to joining Antares Capital, Bruce served as General Counsel of NXT Capital, a position he held since its inception in 2010. Previously, he was General Counsel for Merrill Lynch Capital and has held various business counsel and transactional counsel positions with firms including Merrill Lynch, GE Capital and Heller Financial, supporting both start-up and established businesses. Bruce began his legal career in Chicago with the law firm of Goldberg, Kohn, Bell, Black, Rosenbloom and Moritz Ltd.
Accomplished at designing and implementing efficient legal support strategies in a multi-transactional and often government-regulated environment, Bruce has provided strategic advice to board of directors, audit committees, compensation committees and senior management. He has over 25 years of legal experience managing issues involving commercial finance, mergers and acquisitions, lending transactions, restructurings, private equity investments, general corporate matters, litigation management, bank regulatory compliance, CLOs, and asset management. Bruce is also experienced in interacting with Federal Reserve, FDIC, SEC and SBA regulators.
Bruce holds both a Bachelor’s of Business Administration degree and a Juris Doctorate degree from the University of Michigan.
Angela Fontana is a corporate partner in the Dallas office of Sidley Austin LLP, a member of the firm's Banking and Financial Services, Global Finance and Private Equity groups and is a co-head of the Private Equity group.
Ms. Fontana's practice focuses on financing transactions and debt restructurings across a variety of industries. Angela regularly represents borrowers as well as direct lenders and financial institutions, she has been involved in a wide variety of financing transactions in both the United States and abroad. Angela's extensive experience includes investment grade lending, commercial paper facilities, letter of credit facilities, leveraged lending, assetbased lending, mezzanine financing and workouts and restructurings, including debtor-in-possession and exit financings.
Angela received her B.B.A., from the University of Iowa in 1987 with an emphasis in accounting and her J.D., with distinction, from the University Of Iowa College Of Law in 1989.
Angela serves on the Dallas Heritage Village Board of Trustees, the Iowa Law School Foundation Board of Directors and is a member of the City of University Park Employee Benefits Committee.
Angela was recently selected by her peers for inclusion in The Best Lawyers in America 2017 in the fields of Banking and Finance Law and Corporate Law. She was named the Best Lawyers' 2017 Banking and Finance Law "Lawyer of the Year'' in Dallas/Fort Worth. Angela was recognized in Chambers USA-America's Leading Lawyers for Business 2005-2018 in the field of Banking and Finance and was selected as a finalist for the Chambers USA Women in Law Awards 2013 and 2012 in the category of Finance. She was named a "leading" Practitioner in Banking in The International Who's Who of Banking Lawyers 2007-2012. She was a recognized lawyer in The Legal 5OO US 2007, 2009, 2010, 2014, 2015, 2016, 2017 and 2018; a "leading" lawyer for bank lending in IFLR 1000: The Guide to the World's Leading Financial Law Firms 2009; named in The Best Lawyers in America 2009-2017 and is included in the inaugural edition of the Guide to the World's Leading Women in Business Law. She was also named a Texas Super Lawyer in 2003-2017 and D Magazine's Best Lawyers in Dallas 2011-2017. Angela has been recognized in the 2014, 2015 and 2016 editions of the IFLR1000 as a "Leading Lawyer" in Banking and Finance in the United States.
David Brittenham is a corporate partner of Debevoise & Plimpton LLP and member of the firm’s Finance Group. He focuses his practice on complex leveraged and acquisition financings, such as the $15 billion acquisition of Hertz by The Carlyle Group, Clayton, Dubilier & Rice and Merrill Lynch Private Equity and the $5.9 billion acquisition of King Digital by Activision Blizzard. Mr. Brittenham is ranked as a leading finance lawyer by Chambers Global (2017) and in Band 1 by Chambers USA (2017). Mr. Brittenham is a contributing author of The Private Equity Primer: The Best of the Debevoise & Plimpton Private Equity Report and the Debevoise & Plimpton Private Equity Report and a regular co-author of articles covering a range of finance-related topics. He has been a co-chair for PLI’s Leveraged Financing and Private Equity Acquisition Financing Summit programs since 2006.
Mr. Brittenham joined Debevoise in 1985 and became a partner in 1992. He received his B.A. from Cornell University in 1977 and his J.D. from Columbia University School of Law in 1984, where he was Articles Editor of the Columbia Law Review. Prior to joining Debevoise, Mr. Brittenham served as a law clerk to the Hon. Jack B. Weinstein, U.S. District Court for the Eastern District of New York, from 1984 to 1985.
Edwin E. Smith is a partner in the New York City and Boston offices of Morgan, Lewis & Bockius LLP. He concentrates his practice in general commercial and insolvency law. He has been a member of the teaching faculty at the Morin Center for Banking Law Studies at Boston University Law School, where he has taught secured transactions and transnational lending and trade finance. He has also served as a lecturer on secured transactions at Northeastern University Law School of Law, Harvard Law School and Suffolk Law School. As a Uniform Law Commissioner for the Commonwealth of Massachusetts, he has served as a member of the drafting committees for the 1995 revisions of Article 5 (letters of credit) and the 1999 revisions of Article 9 (secured transactions) of the Uniform Commercial Code and as the chair of the drafting committees that formulated the 2002 amendments to Articles 3 (negotiable instruments) and 4 (bank deposits and collections) of the Uniform Commercial Code, the 2010 amendments to Article 9 (secured transactions) of the Uniform Commercial Code, the 2014 amendments to the Uniform Voidable Transactions Act (formerly the Uniform Fraudulent Transfer Act) and the 2018 Amendments to Articles 1, 3, 8 and 9 of the Uniform Commercial Code to address electronic mortgage notes secured by residential real property and registered in a federal registry. He has also served on the drafting committees for the Uniform Certificate of Title Act (2005), the Uniform Assignment of Rents Act (2005), the Uniform Manufactured Housing Act (2012), the Uniform Limited Liability Company Protected Series Act (2017), the Uniform Regulation of Virtual-Currency Businesses Act (2017), and the Uniform Supplemental Commercial Law for the Uniform Regulation of Virtual-Currency Businesses Act (2018). He is currently serving as a member of the Permanent Editorial Board for the Uniform Commercial Code and as chair of an American Law Institute/Uniform Law Commission study committee examining whether the Uniform Commecial Code should be amended for emerging technologies. Mr. Smith is a past Chair of the Uniform Commercial Code Committee of the Business Law Section of the American Bar Association and a past member of the Council for the Business Law Section. He also served as a U.S. delegate on the United Nations Convention on the Assignment of Receivables in International Trade and as a U.S. delegate to the United Nations Commission on International Trade Law (UNCITRAL) working group on creating a secured transactions guide for legislation in United Nations member countries. He is a member of the American Law Institute, the National Bankruptcy Conference (for which he serves on the executive committee), the American College of Bankruptcy (for which he served as a member on the board of directors and as chair of the Policy Committee) and the International Insolvency Institute and is a past President of the American College of Commercial Finance Lawyers. He is a graduate of Yale University and Harvard Law School.
Jay Kim is a corporate partner and former co-head of the global finance practice group at Ropes & Gray LLP. He has extensive experience with debt financing commitments, credit facilities and high yield debt securities for leveraged acquisitions and other complex leveraged transactions. Jay regularly represents leading private equity sponsors, including Advent International, The Blackstone Group, CCMP Capital, Harvest Partners, THL Partners and TPG Capital, as well as public and private corporate issuers in a variety of industries with their financing needs.
Mr. Kim is ranked as a leading banking and finance lawyer by Chambers Global (2012-2018), Chambers USA Nationwide (2008-2018), Legal 500 (2013-2018) and IFLR1000 Leading Lawyer (2014-2019), among others. Chambers cites Mr. Kim as an “outstanding lawyer” who “thinks five steps ahead of the deal” and is recognized as “very creative, smart and tenacious”.
Select representative transactions include:
Aimbridge Hospitality Holdings in $515 million of 1st and 2nd lien credit facilities in connection with the acquisition of Aimbridge by Advent International.
McAfee, LLC in approximately $4.76 billion of 1st lien (including euro tranches) and 2nd lien credit facilities in a recapitalization transaction related to the acquisition of McAfee by TPG Capital and Intel Corporation.
Eating Recovery Center in $325 million of 1st and 2nd lien credit facilities in relation to its acquisition by CCMP Capital.
Change Healthcare, LLC in $6.6 billion of senior credit facilities and high yield bonds, in connection with the creation of a new information technology company by The Blackstone Group, Change Healthcare Holdings, Inc. and McKesson Corporation.
Hayward Industries in $1.535 billion of ABL, 1st and 2nd lien credit facilities in relation to the acquisition of Hayward by CCMP Capital and Hayward’s subsequent add-on acquisitions and capital structure optimization.
Pactera Technology International on its $370 million of revolving credit facilities and senior secured high yield notes, the first high yield bond offering for a China-based company, in connection with the acquisition of China-based Pactera by The Blackstone Group.
Truck Hero, Inc. on its $1.025 billion of 1st and 2nd lien credit facilities in relation to the acquisition of Truck Hero by CCMP Capital.
Ansira Holdings, Inc. in $300 million of unitranche credit facilities in relation to the acquisition of Ansira by Advent International.
The Weather Channel Companies in its $4.125 billion of aggregate financing including $1.8 billion in financing in connection with the acquisition of The Weather Channel Companies by The Blackstone Group and Bain Capital, together with NBC Universal, and $2.325 billion of recapitalization transactions.
Mr. Kim received his J.D. from Boston University School of Law and B.S. in nuclear engineering from Northwestern University. He is a member of the New York State Bar.
Jennifer Ezring is a partner in the New York office of Cahill Gordon & Reindel LLP specializing in leveraged finance transactions.
Jenn’s practice focuses primarily on advising commercial and investment banks in leveraged finance and asset-based lending transactions, including acquisition financings, leveraged buyouts, going-private transactions, recapitalizations, project financings, bridge lending and loan commitments, out-of-court debt restructurings, and other secured lending transactions.
Jenn has practiced in a variety of industries, including communications, gaming, retail, energy, manufacturing, media, publishing and internet technology. She has a broad range of financing experience in both US and international transactions.
Jenn is a member of Cahill Gordon & Reindel LLP's Executive Committee and serves on Cahill's Women’s Initiatives Committee. She is a member of the Board of Directors of LiveGirl, Inc. and the Board of Governors of the Jefferson Awards Foundation and has served on the Leadership Advisory Committee of the National Womens Law Center.
Jenn is a member of the State Bar of New York, the New York State Bar Association and the American Bar Association and has been recommended as a leading finance lawyer by Chambers USA, IFLR1000 and The Legal 500. She was named to Crain’s 2019 list of Notable Women in Law and was recognized as one of The Secured Lender’s 50 Women in Commercial Finance in 2017.
Jennifer Hobbs is a Partner in the Corporate Department and a member of the Executive Committee at Simpson Thacher. Jennifer focuses on acquisition finance and advises on a broad range of financings for many of the Firm’s leading private equity and corporate clients. Her primary clients have included Silver Lake Partners, BC Partners, EQT Partners and the private equity group at Goldman Sachs, together with their portfolio companies. Over the years, she has also represented corporate clients Mars, Incorporated, Dell, Inc., Symantec Corporation, Accenture, Aramark Corporation and Broadcom Limited.
Jennifer’s recent acquisition finance experience includes the following representations:
Jennifer’s accolades include:
Jennifer received her J.D. from New York University in 1997, where she was a member of the NYU Law Review. She received her Masters of International Affairs from Columbia University School of International & Public Affairs in 1992 and her B.A., with high honors, from the University of Texas in 1989, where she was elected to Phi Beta Kappa.
Julian S.H. Chung is a finance partner resident in Fried Frank's New York office. She focuses her practice on the representation of large financial institutions and borrowers in commercial lending transactions, with an emphasis on senior secured finance for leveraged acquisitions. She also represents financial institutions and debtors in connection with restructurings and refinancing existing credit facilities.
Ms. Chung is recognized as a leading practitioner in bank lending by Legal 500. The American Lawyer has named her one of the top lawyers under the age of 45 and she has been recognized as an Alumni Honoree by the Cardozo Law School Black, Asian, Latino Law Students Association.
Ms. Chung is a member of the Firm’s Diversity Committee as well as the Women’s Forum Planning Committee, a representative group directing Fried Frank’s Firmwide women’s affinity group.
Ms. Chung is a frequent speaker on leveraged finance and real estate finance matters, including as a panelist for PLI’s “Leveraged Finance” conference (2013, 2014, 2017, 2018) and for the Commercial Observer’s “Financing Commercial Real Estate Forum” (2017). She has also co-authored a number of articles, including “Investment Grade Acquisition Financing Commitments” and “Unitranche Financing: UK vs. US Models” in ICLG’s Lending & Secured Finance (2018 and 2016 respectively).
Ms. Chung received her JD, cum laude, from Benjamin N. Cardozo School of Law in 1995 and her BA, from New York University in 1992. She is admitted to practice in New York.
Lisa M. Schweitzer’s practice focuses on financial restructuring, bankruptcy, insolvency and commercial litigation. She has extensive experience advising corporate debtors, individual creditors and strategic investors in both U.S. Chapter 11 proceedings and restructurings in other jurisdictions in North America, Europe and Asia.
Lisa has served as lead counsel in various bankruptcy cases including as counsel to Nortel Networks Inc. and affiliates in their U.S. Chapter 11 proceedings, and represented Nortel in asset sales raising over $7 billion dollars in sale proceeds, as well as a 21 day cross-border trial involving disputes with their affiliates. Lisa’s additional representations include BlueMountain Capital, LLC, a significant equity holder in the chapter 11 bankruptcy of PG&E Corporation, the largest utility in the United States and a case involving over $50 billion of liabilities; Grupo Inbursa, a financial services company in Mexico and secured lender to multiple entities in the Mossi & Ghisolfi S.p.A. corporate group (M&G), in the M&G Chapter 11 cases; and a consortium of Singapore banks as major secured and unsecured creditors of Ezra Holdings Limited and its affiliates, a provider of integrated offshore solutions for the oil and gas industry, in the company’s Chapter 11 bankruptcy proceedings. Lisa has also advised various financial institutions on the bankruptcy-related aspects of resolution and matters related to the preparation and implementation of their resolution plans.
Lisa has advised clients in some of the most high-profile bankruptcy matters in North America, and her work repeatedly has been recognized by the business and legal press, including Chambers Global, Chambers USA, The Legal 500 U.S., IFLR 1000: The Guide to the World's Leading Financial Law Firms, The International Who’s Who of Business Lawyers and The International Who’s Who of Insolvency & Restructuring Lawyers. Lisa was honored as a “Dealmaker of the Year” and as a “Dealmaker in the Spotlight” by The American Lawyer.
Lisa received a J.D. from New York University School of Law and a B.A., magna cum laude, from the University of Pennsylvania.
Lisa joined the firm in 1996 and became a partner in 2006.
Mr. Kyrwood is a partner in Davis Polk’s Corporate Department and co-head of the firm’s Banking & Finance Group. He regularly advises financial institutions, corporate borrowers and other alternative credit providers in large-cap syndicated loans, as well as middle market and direct lending transactions.
Advising on over $500 billion in transactions since 2015, Mr. Kyrwood has broad exposure to the global banking market and its industry participants, including deep experience in leveraged and investment-grade acquisition financings, bridge financings, LBOs, cross-border financings, restructurings and recapitalizations.
Mr. Kyrwood has represented lenders in connection with some of the largest and most complex investment grade acquisition financings over the last few years, from Verizon’s $63 billion financing for Verizon Wireless, to Abbot’s $17 billion financing for its acquisition of St Jude and Cigna’s $26.7 billion financing for its acquisition of Express Scripts, among many others. He also represented Comcast in its £22 billion financing for its acquisition of Sky.
He also represents financial institutions in LBO financings across from some of the world’s largest and most sophisticated financial sponsors. Recent transaction include the $8.05 billion financing for KKRs acquisition of Envision Health Care, $4.025 billion financing of Brand Energy & Infrastructure Services’ (a CD&R portfolio company) acquisition of Safway Group and the $4.5 billion financing for CC Capital’s acquisition of the Dun & Bradstreet Corporation. He also represents lenders in leveraged corporate transactions, including the $4.15 billion financing for the acquisition by United Natural Foods of Sueprvalu, Inc.
Mr. Kyrwood is recognized in Chamber Global and Chambers USA as a leading lawyer, and has received numerous honors, including being named “Transatlantic Dealmaker of the Year” (2016) and "Dealmaker of the Year" (2014) by The American Lawyer, a "Rising Star" by New York Law Journal (2015) and Law360 (2011) and one of The M&A Advisor’s “40 Under 40” (2012).
Patrick Ryan is the Head of the Firm’s Banking and Credit Practice. Patrick regularly represents leading financial institutions and investment banks in connection with the arrangement and syndication of senior credit facilities, including acquisition, bridge and other corporate financings. He has significant experience in complicated financings in the leveraged finance, investment-grade, and asset-based markets, often working with clients to develop innovative structures or to find solutions to difficult issues. He has also advised on the restructuring of existing credit facilities and other related financings, including DIP and exit financings.
Patrick’s financial institution and investment banking clients include JPMorgan, Barclays Capital, Deutsche, Goldman Sachs, Morgan Stanley, and Royal Bank of Canada, among others. Patrick also represents companies in connection with their financing activities, and his clients have included American Media, AOL, Bard, Cengage Learning, Evercore, Hulu, MasterCard, News Corporation, Radioshack, Sky Deutschland, Travelers Companies, 21st Century Fox and Universal Studios, among others. Patrick is also active in representing clients in sports and entertainment ventures, including the representation of Forest City Ratner Companies and other investors in connection with the acquisition and relocation of the Nets NBA franchise to Brooklyn.
Notable recent transactions include representing:
Patrick is ranked among the leading banking and finance lawyers in the United States and the world by publications such as Chambers USA, Chambers Global, The Legal 500 United States, IFLR1000 and The Best Lawyers in New York.
Patrick received his B.A., magna cum laude, from Manhattan College in 1985 and his J.D., cum laude, from Fordham University School of Law in 1989. He spent a year at University of Dublin, Trinity College from 1985 to 1986.
Stephen A. Boyko is a partner in the Corporate Department and co-head of The Private Credit and Finance Groups.
Steve’s primary focus is in finance transactions, particularly those involving private sources of capital. He represents one of the largest client rosters in the industry, including an array of specialty finance companies, private debt funds, business development companies (BDCs), CLOs, sovereign wealth funds, insurance companies, hedge funds, private equity investors and issuers in connection with:
Recognized by Chambers USA, clients note that Steve has an “amazing ability to deconstruct an argument in a heartbeat and walk through negotiation issues point by point” with one client praising “we know we are being protected and we’re getting what’s fair.” Steve has had extensive experience in intercreditor and interlender issues, secured creditor and bankruptcy rights, debt restructurings, and private equity investments. In the past 20 years, he has closed finance transactions with an aggregate value of approximately $75 billion.
Steve actively represents over 50 clients in transactions that have ranged from $5 million to $1 billion.
Steve also has extensive capital markets experience, including the representation of issuers and underwriters in offerings of high-yield securities, debentures, medium-term notes, preferred stock, common stock and other structured securities.
Association for Corporate Growth
Turnaround Management Association
Awards & Recognition
Chambers USA: Massachusetts: Banking & Finance 2007-2016 (Band Two)
The Legal 500 United States: Finance: Bank Lending (National) 2009-2016
Massachusetts Super Lawyers 2009-2011
Massachusetts Super Lawyers Rising Star 2005-2007
Business Solutions, Governance, Restructuring & Bankruptcy
Boston University School of Law, J.D., 1996
magna cum laude
Editor, Boston University Law Review
Boston University, M.B.A., 1996
With Highest Honors
Northeastern University, B.S., 1993
summa cum laude
Admissions & Qualifications
Tony McMahon is an Executive Director, Leveraged Finance, at J.P. Morgan. He has worked at J.P. Morgan since 2011 and focuses on structuring committed bridge to high yield bond and leveraged loan facilities in connection with acquisitions, as well as debt refinancings and restructurings. Previously, Tony was an associate attorney at Simpson Thacher & Bartlett in the credit and M&A practices. He has a J.D. from Columbia Law School and a B.A. from Wake Forest University.
As Managing Partner of the New York office, Ms. Penzer focuses on strategic planning, client relations, recruitment and integration, and diversity. Ms. Penzer is charged with overseeing the firm’s commitment to the New York legal and business community and the firm's sophisticated client base. Ms. Penzer has held multiple leadership roles, including as a former global Co-chair of the Banking Practice, former member of the firm's Executive Committee and former Chair of the firm's Diversity Committee and Associates Committee.
Ms. Penzer’s practice focuses primarily on the representation of commercial and investment banks, as well as borrowers, in leveraged finance transactions, including acquisition financings, project financings, other senior secured lending transactions and restructurings. Ms. Penzer handles a variety of transactions for institutions such as Bank of America Merrill Lynch, Barclays, Citibank, Credit Suisse, Goldman Sachs and JP Morgan Chase, as well as companies such as Scientific Games and Eastman Kodak. Ms. Penzer is recognized as a leading attorney and is ranked for US banking and finance in Chambers Global 2016 and Chambers USA 2016.
Beyond the unwavering commitment to her clients, Ms. Penzer has dedicated her career to inspiring, mentoring and improving career prospects for other women. Ms. Penzer helped to found Women Enriching Business (WEB), a firm-wide initiative developed to help give women the tools to develop networks and business development skills, and also is actively engaged in Latham’s broader diversity efforts.
Ms. Penzer is a member of the State Bar of New York, the New York State Bar Association and the American Bar Association. She is a member of the Board of Directors of the New York Women's Foundation, a member of the Board of Advisors of the Yale Law School Center for the Study of Corporate Law and a member of the Yale Law School Association Executive Committee.
JD, Yale Law School, 1993
AB, Harvard University, 1990
Clients enthuse that "even though she is a senior partner, she gets involved in the details. She knows it all and she is very easy to work with." Chambers USA 2016
Sources depict her as "terrific and very commercial." Chambers USA 2015
Described as "responsible and commercial in decisions." Chambers Global 2014
Described as “having an impressive list of lenders and borrowers in leveraged finance transactions." Chambers USA 2012
Recommended for Commercial Lending: Advice To Borrowers by The Legal 500 US 2016
Recognized by Chambers Global, Chambers USA and The Legal 500 US for Banking and Finance
Jeffrey Ross is a corporate partner and a member of the firm’s Finance and Private Equity Groups. His practice focuses on complex acquisition and leveraged financings such as the $3.2 billion acquisition of Emergency Medical Services Corporation by Clayton, Dubilier & Rice, the $2.7 billion acquisition of Local TV Holdings by Tribune Company and the $5.9 billion acquisition of King Digital by Activision Blizzard. Mr. Ross is ranked as a leading lawyer by Chambers USA (2014-2015), which describes him as a “responsive,” “smart” and “very creative and commercial” advisor, who “goes the extra mile to make sure that [clients] have thought through all the issues.” He is recommended by The Legal 500 US (2013-2015), where clients are noted to “have a high degree of trust” in him, citing him as “exceptional on both the financing and the M&A front” and an “excellent leveraged finance lawyer.” He has been identified as a “rising star” in private equity by Law360 (2012).
Mr. Ross publishes frequently on legal matters related to finance topics. Recent articles include “Alternative Leveraged Lending Structures And Limitations,” Law360 (June, 2015); “SunGard 2.0,” The M&A Lawyer (2014); “Del Monte: Staple Remover?” The Deal Pipeline (2012); and “Some Pitfalls In Financing Carve-Outs,” The Deal (2012). He is also an Editor of the Debevoise & Plimpton Private Equity Report; and a contributing author to the annual Health Care Mergers and Acquisitions Answer Book (Practising Law Institute, 2015). Mr. Ross is a guest lecturer on leveraged finance in a course entitled Private Equity Playbook at Cornell Law School.
Mr. Ross joined the firm in 2005 and became a partner in 2010. He received a J.D. cum laude from Cornell Law School in 1999, an M.A., first class honors, in International Relations from University of Melbourne, Australia in 1997 and a B.A. from Columbia University in 1995.
Mr. Hobbs sources and originates private debt opportunities across Oaktree’s credit strategies. Prior to joining Oaktree in 2013, he was an executive director at Natixis Securities focused on building the high yield sales and trading franchise. Prior thereto, he spent five years at Goldman Sachs as a vice president in leveraged finance origination and sales. Before joining Goldman Sachs in 2007, Mr. Hobbs was a director in Leveraged Finance at Deutsche Bank Securities, which he joined in 2000. Additional experience includes regional account management focused on fleet financing at GE Capital Corporation and controller for Leveraged Finance at Bank of America. Mr. Hobbs received his M.B.A. from Columbia Business School and a B.S. degree in accounting from Rutgers University.