Cedar Capital Consulting Group

The Team

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Our team of executive-level consultants brings a comprehensive set of Financial Service experiences to each engagement.  Each team member collaboratively shares decades of accomplishment gained through executive leadership postitions at major industry institutions:
  • Terry Schafer
  • Paul Rosengren 
  • Tom Kranz
  • Jack Gazlay
  • Chuck DiMeglio
  • Richard Brynildsen 
  • Brian Brandenburg
  • Richard Bottomley
  • Paul Benson


Terry Schafer has over 25 years of global product and management experience working with major banks and investment banks including Credit Suisse, Bankers Trust Company and Salomon Brothers.  She held senior executive positions in NY, Tokyo and London for product lines up to $2.5 billion, specifically, Trading and Sales businesses, Derivatives and Mortgage Securitization.  As COO/CFO for various business lines, Terry has been responsible for all financial, operational and control issues related to her businesses, particularly, strategy implementation, expense containment/ business profitability, infrastructure planning and resource allocation (Ops, IT, Financial support), change management/re-engineering, and regulatory and risk control and compliance.  In her roles, she has brought mature businesses to profitability, started new business and successfully completed several large policy and regulatory compliance projects, with significant interaction with regulators and auditors.  She has also been responsible for disaster recovery planning and has defined and implemented HR policies and training programs.  Terry began her career in Public Accounting in New York at Price Waterhouse.


Terry has a BS from the University of Scranton in Pennsylvania, and was a Pennsylvania CPA.  She holds series 7, 63 and 24 securities registrations.



Paul Rosengren has over 30 years of experience practicing law, including 15 years of management experience at Fannie Mae. He has extensive transactional experience including: developing offerings that aggregated a trillion dollars of securities, mergers and acquisitions that aggregated hundreds of millions of dollars, as well as experience with disclosure, corporate governance, regulatory, compliance, Sarbanes-Oxley, derivatives, marketing, licensing and litigation/mediation matters.  Paul also served in management at Sprint Nextel and an emerging telecom and practiced law at two leading law firms, Gibson, Dunn & Crutcher LLP and Covington & Burling LLP. 


Paul obtained a JD and an MBA from the Boalt Hall School of Law and the Haas School of Business, respectively, at the University of California, Berkeley and a Bachelor of Arts degree in Economics (summa cum laude) from Princeton University, where he received the Paul Volcker Award.  



Tom Kranz has 30 years of business experience including 22 years within residential real estate.  His full life cycle of experiences includes: construction, development, mortgage origination, asset underwriting, valuation, and structured financial transactions with investment and capital deployment.  His expertise ranges from process creation and improvement to P&L management, transaction structuring and negotiation.  His banking industry experiences include Weyerhaeuser Real Estate Company including its mortgage and homebuilding companies, and GMAC Residential Funding Corporation. 


Tom earned his MBA, with Honors, from the Kellogg Graduate School of Management at Northwestern University with a concentration in Finance.  His undergraduate degree is from St. Lawrence University in Economics.  He is currently Chair of the Richmond, VA chapter of the Financial Executive Networking Group and leads an annual homebuilder equity conference in conjunction with the New York Society of Security Analysts. 



Jack Gazlay has over 20 years of experience leading world-class internal audit organizations. Most recent leadership positions include General Auditor of Fireman’s Fund Insurance Company, a Top 20 property-casualty insurance company, and Assistant General Auditor at Freddie Mac.   Jack served clients in the financial services, defense contracting, petroleum, trucking, and leasing businesses as an Ernst & Young IT audit partner.  Over his career, Jack has utilized generally accepted risk frameworks, such as COSO and COBIT, and customized frameworks to focus resources effectively and efficiently.   He has also used root cause analysis to develop actionable recommendations for business process improvement.  Jack has leveraged leading technologies to facilitate audit processes and has evaluated the business use of technology.


Jack has an MBA from the Rutgers Graduate School of Business with a specialization in Professional Accounting and earned a BA from Bowdoin College where he majored in Mathematics.  He holds a New York CPA license and is active in the Institute of Internal Auditors (IIA), serving on its Board of Research and Education Advisors.


Chuck DiMeglio has over 23 years of Business Strategy, IT strategy and New Product Development experiences.  Mr. DiMeglio's consulting experiences include senior postions at Accenture, James Martin, AT&T, and IBM.  He is skilled within the ERP, Supply Chain and E-Commerce areas. Chuck also has extensive experiences with Business Process Redesign, Process Modeling, Data Modeling, Facilitation, QA, Methodologies, and Project Management. His functional experiences include Budgeting, Revenue reporting, Costing (including ABC), Performance Management, Billing, Customer Reporting, and Sarbanes-Oxley.  Mr. DiMeglio has provided consulting services within the Federal Government, Banking, Travel, and Utility industries. Financial Services industry experience includes Fannie Mae, Freddie Mac, Sovran / Bank of America.  He also has financial and accounting experiences with the Department of HHS, Social Security Administration, Verizon, James River, and Detroit Edison.


Mr. DiMeglio has an MBA with a concentration in Finance from Colgate Darden.  He has a B.S., Computer Science, and a B.S., Systems Engineering, from the University of Virginia.  He completed an Accounting Certificate program with the University of Virginia Continuing Education division.  Mr. DiMeglio is a licensed CPA.



Richard Brynildsen has over 25 years of mortgage banking experience with both nationwide institutional lenders and regional bank lenders.  Richard’s experiences include senior management roles in secondary marketing, loan originations, underwriting, quality control, due diligence, and operations management.  He has extensive knowledge and experience in managing interest rate risk and the operations associated with the hedging of mortgage pipelines ranging from $1 billion per year to over $12 billion per year.  He has sales management experience in retail, wholesale, and correspondent lending, including the start-up and growth of mortgage platforms.  His mortgage banking industry experience includes Webster Bank and SunTrust Mortgage.


Richard graduated from the University of Washington with a Bachelor of Arts in Business Administration with a concentration in Finance.  He is also a graduate of the Mortgage Bankers Association School of Mortgage Banking, Northwestern University.



Brian Brandenburg has over 25 years of mortgage banking experience.  Brian developed significant capital markets expertise in over eighteen years at Freddie Mac where he held positions in all areas of mortgage securities trading, portfolio management, cash transactions, mortgage strategies and analytics. He actively managed a $300 billion portfolio of various types of mortgage-backed securities including CMOs, ARMs, Strips, Balloons, Mortgage Revenue Bonds (tax exempt), and 15-year and 30-year securities. He developed many new profitable mortgage related products.  He also effectively improved operating practice productivity.  Brian has been rated as one of the top Capital Markets Consultants to the Hedge Fund/Investment Community for four consecutive years. His practice area focuses primarily on fixed income; financial investment performance and outlook; and, capital markets implications for financial companies and fixed income investments.


Brian has an MBA from Brigham Young specializing in finance and investments. He also has a BA, Cum Laude, in International Relations with a minor in Korean from Brigham Young. Brian is a CFA, Former NASD Registered Representative - SERIES 7 designation, and a Member of the Washington Society of Investment Analysts.



Richard Bottomley most recently served as the SVP of Guarantor and Securitization Accounting at Freddie Mac, a leadership position critical to the company’s financial restatement and internal controls remediation, ultimately leading to successful SEC registration in 2008.  During his career at Freddie Mac his responsibilities spanned the mortgage loan and securitization areas, repeatedly providing expertise and operational leadership in the development of new financial reporting for complex mortgage and asset backed portfolios.  A CPA and CFA, Mr. Bottomley has substantial experience in the accounting, controls, financial analysis, and operating systems required to model and manage the unique risk attributes of complex loan portfolios, structured securities and distressed assets. 


Mr. Bottomley holds a BA in Accounting and Financial Administration from Michigan State University.  He is a Certified Public Accountant and Chartered Financial Analyst as well as a certificate recipient from the University of Tennessee Institute for Productivity Through Quality.  He was a member of the Board Directors for AHC, Inc. a non-profit housing organization in Arlington, Virginia, serving as chairman during part of his tenure.



Paul Benson has over 20 years of Fannie Mae experience including an extensive background in financial systems, accounting, and mortgage operations.  Mr. Benson managed the bank reconciliation function for all Fannie Mae cash including the Federal Reserve (over $1 Billion per day) and commercial bank accounts. Paul has managed the full life cycle of mortgage transactions from creation to financial reporting.  Mr. Benson wrote business requirements, defined data base navigation, designed reports, coded, tested and implemented a loan level accounting system that has processed over 100 million loans.  Mr. Benson also worked with Sallie Mae, where he was responsible for the design and implementation of a portfolio management system.



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Cedar Capital Consulting Group 
1600 Tysons Boulevard, 8th Floor
McLean, VA 22102
(703) 622-1490
Cedar Capital Consulting Group is a Management Consulting Group and not a CPA firm, and does not provide attest services, audits, or other engagements in accordance with the AICPA's Statements on Auditing Standards.