People · DD&F Consulting Group

Sound counsel from good people

Crafting a team of seasoned experts doesn’t happen overnight, and we’ve worked hard to find the right people with specialized skill sets to meet your needs. Not only do they have the knowledge and experience required to address the challenges you face, but they each adhere to our high standards and exemplify our values and principles on a daily basis. As a bonus, they’re just really likeable people.

Managing Partners

Randy Dennis

President, Managing Partner

Bob Fegtly

Managing Partner

Josh Dennis

Managing Partner

Consulting Team

Ted Gammill

Principal, Bank Management
and Finance

Ted applies his 38 years of experience working with banks and thrifts in the areas of management, audit and tax to advise financial institutions on mergers and acquisitions, recapitalizations, and executive level financial, regulatory, and management consulting. He also assists clients in complying with regulatory orders such as Memorandums of Understanding, Consent Orders, and Cease and Desist Orders. This involves overseeing the development of strategic plans, capital plans and liquidity management, and developing financial projections. In addition, having previously purchased insolvent financial institutions from the FDIC with his own company, Ted advises clients on the acquisition of failed institutions from the FDIC.

BSBA in Accounting from the University of Arkansas, Fayetteville, AR
Certified Public Accountant (inactive)
Certified Fraud Examiner

Jacque Wills

Principal,
Operations & Information Technology

Jacque is a seasoned banking professional with over 39 years of experience in managing bank operations, having served in the positions of Chief Operations Officer and Chief Financial Officer including two De Novo banks. She provides guidance in the areas of operational and technology project management, systems integration, utilization, operational process improvement, contract negotiation, and ad hoc operations management. With her extensive industry experience, Jacque provides a comprehensive understanding of the efficiencies and risks of banking operations.

B.S.B.A from Southwest Baptist University, Bolivar, MO

Tom Rudkin

Principal,
Mergers & Acquisitions

Tom is responsible for mergers & acquisitions and strategic business development for DD&F. He has over 30 years of experience in M&A and investment banking and has completed transaction projects totaling over $7.5 billion. Prior to DD&F, Tom worked as an investment banker in Florida for FIG Partners, LLC of Atlanta, GA and was tasked with identifying investment banking opportunities for the firm. He frequently provides commentary as an industry expert for banking resource trades including SNL Financial and American Banker. Tom is a registered representative with Series 7, Series 79 and Series 63 certification.

B.S. in Business from the University of Vermont, Burlington, VT

Jim Renk

Senior Consultant & Project Manager

Jim has 39 years of bank management experience in all aspects of banking including 5 years as president of an Arkansas community bank, 20 years as SVP regional commercial loan manager at multi-billion-dollar regional banks, managed a multistate correspondent bank department, and 10 years of branch banking and backroom operations management. He currently oversees a team of loan review specialists providing loan portfolio review and due diligence projects to support merger and acquisition activities.

B.S. in Political Science from the University of Wisconsin, Madison, WI

Kyle Shadid

Senior Consultant,
Regulatory

Kyle provides support and assistance in a variety of regulatory consulting project areas which include assisting with regulatory applications for change in control, whole bank merger and acquisitions, branch sales and acquisitions, new charters, branch establishments and relocations and an array of other regulatory filings. He also prepares business plans and market analyses for viable markets.

MBA from the University of Arkansas at Little Rock
B.S. in Finance (emphasis in Commercial Banking) from the University of Arkansas, Fayetteville, AR
Graduate, Summa Cum Laude from Barret School of Banking, Memphis, TN
Certified Valuation Analyst (CVA) through the National Association of Certified Valuators and Analysts (NACVA)

Kyle Floyd

Principal, Branding & Design

As a creative director and designer for 20 years, Kyle helps companies understand and evolve their own brands. Naming, brand identity, the digital customer experience, even physical spaces… design has the power to make the principles of your brand real to customers and employees alike. Kyle is head of our partner company Stature, a branding & design studio based in Chicago.

Kyle has developed design strategies for global brands like Snap-on Tools, U.S. Soccer, ANDE Rapid DNA, and many others. He loves working with internal teams to develop passionate brand ambassadors.

B.A. in Graphic Design from Ouachita Baptist University
Studied Fine Art at the University of Reading (Reading, UK)
Based in Chicago, IL

Ashley Floyd

Senior Consultant,
Regulatory and Marketing

Ashley has experience in merger and acquisition projects, branch and whole bank acquisitions. She has worked closely with clients and regulators to structure transactions, providing the necessary acquisition analyses, pricing strategies and regulatory applications to complete the deal. Other services she performs include business plan development, feasibility analyses, and regulatory assistance. She is currently involved in marketing strategy and content for DD&F.

MBA from the University of Arkansas, Little Rock, AR
B.S.N. from the University of Arkansas, Fayetteville, AR
Graduate, Magna Cum Laude from Barret School of Banking, Memphis, TN

Susan Blair

Principal,
Marketing and Communications

A 40-year veteran in the financial services industry, Susan provides clients with Marketing Strategy and Planning Services; Product and Pricing Analysis, Communications, and Implementation; M&A Integration, Communication, and Cultural Integration; Public Relations and Media Relations; Product Development and Implementation; Project Management; Customer Onboarding and Retention Strategies; Employee Training Programs; and Rebranding. Prior to joining DD&F, Susan served as Director of Corporate Communications for Bank OZK, a publicly traded company, for 17 years where she oversaw corporate communications, directed investor relations and led the company through a major rebrand in 2018.

B.A. in Advertising and Public Relations from the University of Arkansas, Little Rock, AR
Graduate of the Bank Marketing Association School of Advanced Marketing and Strategic Planning, University of Georgia, Athens
Accredited member of the Public Relations Society of America (APR)

Matt Reddin

Principal,
Bank Operations Oversight

Matt has 21+ years of commercial banking experience with regional banks including US Bank, Regions Bank, Bank OZK and Simmons Bank. His experience includes small business lending, commercial banking, private banking, serving as Director of Community Banking, Chief Lending Officer, President of Banking Enterprise and Chief Banking Officer. He has worked in-depth on mergers & acquisitions, strategic planning, policy and platform development, product development, core vendor analysis and review and regulatory exams. He provides clients with oversight and assistance with client operations in the areas of credits review, general ledger review, investment operations, loan operations, organizational/structural review, revenue growth, staffing reviews and strategic planning.

B.A. in Business from the Ouachita Baptist University, Arkadelphia, AR
Graduate School of Banking, Southern Methodist University, Dallas, TX

Risk Management Team

Tom Layman

Managing Director, Risk Management

Tom oversees and conducts information technology audits, vulnerability assessments, and IT audit risk assessments. Prior to working with DD&F, Tom was responsible for the IT security of a Fortune 500 company that supported more than 15 million customers. While there, he collaborated on the design and review of the infrastructure security architecture and performed business continuity planning for the security framework.

Certified Information Systems Security Professional (CISSP)
Certified Information Systems Auditor (CISA)
IBM Certified Advanced Deployment Professional in Tivoli Security Management
B.S. in Information Technology from the University of Phoenix, Las Vegas, NV

Sheryl Mosley

Senior Risk Specialist,
Compliance & Internal Audit

Sheryl is responsible for performing reviews and assessments associated with consumer compliance, fair lending, internal audit and the Bank Secrecy Act. Prior to working at DD&F, Sheryl was a Business Analyst in the financial industry and possesses over 21 years of accounting, marketing and managerial experience. Of that experience, 8 years was in the banking industry relating to deposit and retail operations, business development, management and training.

B.S. in Marketing with a minor in Accounting from Oklahoma State University, Stillwater, OK

Beth Harris

Principal, Consulting and Risk Management

Beth Harris provides expert guidance in the areas of technology advancement and risk management. With over 35 years of experience in the banking industry, she specializes in banking operations and compliance, and is well-versed in the intricacies of today’s rapidly changing regulatory environment. Harris’ areas of expertise include operational and technology project management, systems integration, and process improvement. She has comprehensive knowledge and experience in lending, asset risk, and compliance risk, with a particular focus on safety and soundness regulations, consumer protection regulations, BSA, fair lending, and HMDA reporting.

Harris has also led Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACT Act) training to various levels of management and staff. She has helped multiple financial institutions understand how to comply with these regulations effectively.

B.S., B.A from East Tennessee State University, Johnson City, TN

Rachel Lang

Senior Risk Specialist,
IT Risk Services

Rachel possesses more than 11 years of experience in business continuity and information security and technology. She develops comprehensive business continuity plans, performs vendor reviews, and conducts various risk assessments required by the regulating agencies. She also formulates FFIEC-compliant programs and policies and provides employee training on business continuity, information security and incident response, and identity theft topics.

MBA from the Harry F. Byrd, Jr. School of Business
B.A. in Business Management from Shenandoah University, Winchester, VA
Certified Business Continuity Professional (CBCP)
Systems Security Certified Practitioner (SSCP)
First year completed at Barret School of Banking, Memphis, TN

JoAnna Rueda

Senior Risk Manager

Jo Anna’s responsibilities include performing a variety of reviews and assessments associated with consumer compliance, fair lending, Home Mortgage Disclosure Act (HMDA), and the Bank Secrecy Act (BSA). She possesses over 25 years of regulatory, audit, consumer compliance, and BSA experience. She previously served as an examiner with a federal banking agency and has worked with a variety of banks and credit unions ranging in asset size. Jo Anna also holds the designation of a Certified Regulatory Compliance Manager (CRCM).

Graduate School of Compliance Management, American Banker’s Association
Institute of Certified Bankers, American Banker’s Association
Certified Regulatory Compliance Manager

Jenny Johnson

Analyst

Jenny provides data analysis and support for the DD&F Consulting and Risk Management teams. She gathers information from various sources and produces working documents which are foundational for DD&F products. Jenny also produces client reports and manages various internal support systems.

Susan Oliphant

Analyst

As a Risk Specialist, Susan works on compliance and audit projects such as HMDA, Deposit Operations, Internal Audit, TISA, Lending Compliance and Fair Lending Reviews. In addition, she provides data analysis and support for the DD&F Consulting and Risk Management teams, gathering and reviewing information and producing working documents which are foundational for DD&F products.