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Served as testifying expert on behalf of a major issuer of retail credit cards involved in a confidential tax dispute with the Internal Revenue Service (IRS). Analyzed beneficial life of store credit card drawing on the company’s point-of-sale data, credit card data, marketing and promotion activities, and customer demographic information.

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Retained in the matter of Financial Security Assurance v. Loan Servicing Enterprise as testifying and consulting experts on behalf of Loan Servicing Enterprise, a servicer of subprime automobile loans. Submitted multiple expert reports supported by deposition testimony. Provided extensive industry analysis, an affirmative assessment of the credit quality and expectation of performance of the loan portfolio, and a rebuttal response to the plaintiffs’ expert reports. Our efforts served as a basis for submitting motion for partial summary judgment that would dismiss the bulk of the case in favor of the client.

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Our experts have helped pioneer a financial services company’s first acquisition and integration, which resulted in several-fold return on investment. Constructed valuation and negotiation strategy for acquisition of privately held consumer finance company and identified key areas of synergy. Analyzed auto finance industry profitability by connecting Financial Accounting Standards Board (FASB) profit and loss (P&L) statements with true underlying cash economic returns. The acquisition has established the company as a leading and highly innovative lender in its industry.

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Estimated future cash flows for each quarterly static pool on behalf of a subprime auto finance company. Forecasts included estimated loan defaults, repossession recoveries, interest and non-interest revenues, attrition, and servicing expenses.

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On behalf of Mitsubishi Motors Credit of America (MMCA), provided direct and cross-examination testimony regarding expected credit losses for loans originated by MMCA and subsequently sold to Household Auto Finance in ADR proceeding of HSBC Auto Finance, Inc v. Mitsubishi Motors Credit of America, Inc. Demonstrated that the credit loss information submitted by the offeror during the due diligence phase of a loan portfolio sale accurately reflected the credit quality of the portfolio. Successfully challenged the purchaser’s damages estimate. Arbitrator found that the purchaser’s damages calculation was highly speculative and not supported by the evidence.