Meet the GCC Team

Tony Dworack

Chief Financial Officer

Tony Dworack came to us with impeccable credentials, having formerly been the treasurer at Detroit Diesel Corporation. He has both his BS and MBA in Finance from the University of Dayton. Naturally, as our CFO, he thinks one of the biggest advantages of going with GCC is the ability to get the best policy for the best price. He also feels that due to GCC’s relationships with all the major carriers, it not only has the most options in terms of policies but also the ability to negotiate the most competitive pricing. Along with that, Tony notes the value added by GCC’s experience and service model. Without it, he feels the clients “lack the support needed to represent their interests when issues arise.”

Away from the office, Tony enjoys being outdoors. He likes golfing and fishing, as well as spending time with his wife, three children and five grandchildren.

jennifer lukas

Controller

Sunny and lively, Jennifer Lukas is the most personable controller we’ve ever met. She has her Bachelor of Science from Wayne State, and previously was a financial consultant as well as a Controller at Metaldyne.

Jennifer chose to join GCC because of its professionalism, friendly atmosphere and contemporary working conditions. Not surprisingly, she is a big admirer of the client services provided by GCC. According to Jen, “the CSRs are in a league all their own,” and she feels that having a claims specialist on board is important. She also points out that “few business professionals have in-depth knowledge of credit insurance, and when negotiating rates and/or claims, this can be costly.” She feels that GCC’s agents can design better policies for the clients because they have many years of experience in commercial credit insurance and, unlike most other agents, they also come from financial backgrounds. “Companies utilizing GCC will find the time and money saved far surpasses any policy obtained through the direct market.”

When she’s not crunching numbers for us or looking at balance sheets, Jen enjoys scrapbooking, cooking and horseback riding. She loves being a Mom and spending time with her husband, two kids and their dog Marley and cat Pipsqueak.

Craig Bonnell

Managing Partner

Craig Bonnell walks into the room, and one thing is clear. He’s all business. “I’ve had my foot to the pedal since graduating from college,” he says. “I just don’t know how to relax.”

Craig has a BS in Business Administration and an MBA in Finance from Wayne State University. Prior to cofounding GCC, he helped establish one of Michigan’s largest mortgage brokerages and was also a sales manager at GE Capital, an invaluable experience where he gained a strong foundation for corporate credit. “I put this knowledge to work for my clients every day for no additional cost,” he notes.

According to Craig, two things differentiate GCC from other credit insurance brokers: financial expertise and customer service. “Unlike most agents in the industry who have insurance backgrounds, we built our team with agents who have financial backgrounds,” he comments. “Our clients rely heavily on us for credit support and for assistance in helping them safely achieve their goals. It’s crucial for someone in this role to understand the objectives and have a clear plan to assist,” says Craig. “Credit insurance is very customizable, but you need to understand the product and know the carrier nuances, so you can properly structure the right solution.”

Craig has been instrumental in creating GCC’s unique service model. “When I entered the credit insurance industry in the early 90’s, I was surprised to see most companies were staffed to deal with credit issues after they occurred,” he commented. “Of course you would want to offer those services. But what about being proactive trying to help clients better understand the risk before they take it, in an effort to help them avoid issues down the road when it might be too late?” He adds, “Our service model was built to assist the client and is unmatched by any other broker operation.”

Outside the office, Craig enjoys spending time with his wife and two sons. He also coaches and plays baseball. His serious nature and dedication to telling the truth, even if it’s bad news, has inspired a long-term client to give him the ironic nickname, “Sunshine.”

Victor Sandy

Managing Partner

Focused, friendly and articulate, wherever Vic Sandy is going, people will inevitably want to go with him. The office has become accustomed to “Vic-isms.” “Most of the time it’s not that people lose, they just quit before they win,” is a favorite.

It’s obvious Vic has no intention of losing. A natural entrepreneur, he started his first business when he was 16. He then headed to Michigan State University for his BA and on to the Bernard Baruch School of Business at the City University of New York to get his MBA. After serving as National Marketing Manager for Encyclopedia Britannica, he took a position at Euler Hermes, where he developed a strong foundation in credit insurance. He realized the value and market potential of the product, leaving to cofound GCC two years later.

Committed to service, Vic has banned “voice jail” (another Vic-ism), insisting that clients speak with a real person when they call. Unlike GCC, he thinks other brokers focus on sales at the expense of service. ‘They typically have a number of salespeople but a small administrative staff, so when client service issues arise, they get overwhelmed,’ he says, which means that clients usually have to fend for themselves when it comes to getting difficult coverages approved, or claims handled in a timely manner.

Vic feels that GCC’s expertise is also crucial. “Credit insurance is not a commodity insurance product, it’s a financial tool,” he points out. “It needs to be put together the right way. People think they’ll save money by going direct with the carrier, and that the service will match what we offer” but that isn’t so. Because of GCC’s relationships with all carriers for example, “they let us know about impending changes in coverage, which enables us to be proactive with our clients.”

Vic enjoys spending time with his wife and two kids. He has traveled extensively and enjoys cooking and entertaining.

David Gibson

Chief Operating Officer

Calm, confident and collected. Friendly, rational and efficient. Chat with David Gibson for a short while, and these qualities become pretty evident. So it’s easy to see why GCC chose him as its Chief Operating Officer. It’s obvious that David is all about finding solutions and implementing them. He’ll also put his considerable skills to use as a mentor for the staff.

A 30-year veteran of the industry with a BS in Economics, David makes no bones about why he chose to come here. “GCC is the leader when it comes to customer service in the credit insurance industry,” he says. “Nobody invests in customer service like GCC, all in an effort to help clients achieve their revenue goals safely. Best of all, GCC does this at no added cost to the client.” David should know; he has spent most of the last decade with Euler Hermes in charge of broker relationships.

When it comes to client relationships, David believes that knowledge is power. “Credit insurance is a proactive product. You can’t measure its value by the dollar amount of claims received.” David, like GCC, knows that a well-balanced credit approach protected under a credit insurance policy offers many benefits to a client. If the policy is properly structured and serviced, it provides far greater value than the original premium cost. David thinks credit insurance can “help a client do deals they might not be able to do otherwise, improve the relationship with their lenders so they can get additional working capital, and protect one of their largest assets against major loss.”

Hailing originally from Pittsburgh, David is a die-hard fan of the Pittsburgh Penguins.   Along with Pittsburgh sports, his other passion is golf, where he enjoys the solitude and the mental challenge the game provides.  David and his wife are avid restaurant buffs and love trying all the great places in and around Metro Detroit.

Joseph Ketzner Sr.

National Sales Director / Regional Vice President Eastern Region

Bringing a long reputation of customer service, Joe joined GCC following a 44 year career as an executive for Euler Hermes. He is considered one of the innovators of our industry and helped develop many of the services and products offered today which focus on helping businesses grow profitably.

Joe brings a unique perspective of problem solving coming from the carrier side. He helps businesses understand that trade credit insurance is much more than “protection of an asset” as he employed it throughout his career. Asset utilization and capital employment are equally as important to protecting a company’s cash flow, earnings and capital. To do that he explores all components of the business from sales strategy to cost control to credit & risk management, etc. He and the business and the carrier will then jointly customize a solution to optimize value.

“Most brokers will tend to focus on price and cover, while I believe that the real value of the services and products we provide will be realized in helping a business better utilize the most important asset on their balance sheet- their A/R. Each business has a finite amount of capital to invest, and that investment needs to produce a positive return. Insurance in general rarely produces a positive ROI. However, the utilization of a properly constructed trade receivable solution should always produce one.”

He chose GCC because of its unique and deep service organization committed to client servicing, compliance and customer satisfaction. More importantly, he saw that GCC from top to bottom understood the importance of the client’s perspective and their success was aligned with customer satisfaction and value, and not product placement.

Prior to starting his career in the receivable management industry in 1973, he was a banker at Mercantile Trust in Baltimore, Md, and studied history at Towson University and business at the College of Notre Dame. He notes that his greatest accomplishment is convincing his wife of 41+ years to marry him, producing 4 wonderful children and 11 grand kids.

Pranab K. Das

Vice President Emeritus

Following almost 50 years of service in the banking, factoring and trade credit insurance industries; Pranab Das our Regional Vice President has decided to retire from Global Commercial Credit in November 2016.

Pranab leaves behind an impressive professional legacy. He held senior level positions at the Bank of Boston for 25+ years. This included operational responsibility for their factoring operations while based in Boston, Hong Kong and Montreal. Following his retirement in 1991, he joined the American Credit Indemnity Company (now Euler Hermes NA) in Westborough, MA, but shortly afterwards relocated to Wilton, CT. He achieved significant success and retired from Euler Hermes NA in 2003 as Sales Vice President. We were fortunate to have Pranab join our organization at that time.

For those who have had the pleasure of knowing and working with Pranab will attest to his quick wit, intelligence and serious business demeanor. His focus was always on finding solutions to whatever business challenge his clients faced. He is consultative in his approach and thorough in his actions. He has set a very high standard of service.

Pranab has achieved substantial success in his personal life as well. He and his wife Phyllis have been together over 50 years. They enjoy traveling, visiting their son and daughter-in-law in North Carolina, and spending the cold months in their Florida home. They are very active in the Boston area and Pranab continues his pursuit of excellence as an accomplished squash player.

Bob Francisco

Regional Vice President, Southeast

After many years with the credit insurance industry’s largest carrier, Bob Francisco evaluated his next move carefully. In the end, he chose to come to GCC because the company closely matched his desire to provide effective customer service after the sale. According to Bob, “Too many agents don’t know how to provide service under a credit insurance policy. But GCC has built a strong business model that has customer service as its foundation.”

Bob has a BS in financial management and his MBA from Babson College. With his extensive knowledge of the industry and GCC’s relationships with all carriers, Bob is ideally suited for finding out-of-the-box solutions, something which he prides himself on. Besides its very strong service orientation, he thinks GCC distinguishes itself with experience and knowledge. “We spend a lot of time understanding the policies,” he notes. “We understand things like forward coverage, backward coverage and contract compliance. You don’t know you need us until you have a bad experience with someone else.” He sees his role as advisor and consultant, so he works hard at educating potential clients, staying on top of their businesses and “finding out where they’re vulnerable, so I can help protect them.” He also puts a lot of effort into explaining how they can make money with credit protection. “It’s a way for them to increase sales without taking on any additional risk.”

Unconventional and intelligent, Bob has varied interests outside of work. He takes performance driving lessons on the track, and he’s also a serious photography buff. He loves taking nature shots with his camera and fiddling with them afterward on the latest photo editing software. Bob is married and has three children.

Mark Matheney

Regional Vice President, North Central

Mark Matheney is tall, soft-spoken and has a dry sense of humor. Yet he’s the opposite of laid back. Mark is all about the big picture and maximizing potential. He says he lives by the motto, “Carpe Diem”(i.e., Seize the Day). He means it. “My whole life is an odyssey,” he says with a wry smile.

Mark has a BA in Economics and an MBA in International Business. He has traveled to over 35 countries and did a year of studies in Luxembourg. Mark came to GCC after serving as VP at a major bank and also as regional manager and underwriter at commercial credit insurance carriers. He chose GCC to establish his career because of GCC’s reputation for working hard for its clients. “Top notch,” he says, succinctly.

A firm believer in the unique advantages GCC offers, Mark thinks it is important to ask any broker under consideration if they have financial analysts, a claims representative and dedicated client service reps on staff. He adds, “then ask … do they have anything close?” He is sometimes frustrated that people are creatures of habit, when switching to GCC would obviously help them. “If a broker is only touching base with them once a year at renewal, then they are not getting the service they need or deserve. ” He strives to show potential clients how they can use credit insurance to enhance their business. His background in international finance is often a plus.

Mark lives with his wife and a combined family of six kids, Brady Bunch style. He is a history buff and proficient in German. Be sure to ask him about the college bungee jumping incident and his time working as a congressional volunteer.

Scott Waterworth

Vice President

Friendly and optimistic, Scott Waterworth believes that “if one door gets shut, it creates an opportunity for two more doors to open.” Which explains how he got into the industry. “They came after me; I’d never even heard of it,” he says. Upon learning more, he decided to make the leap, accepting a position with a major carrier. After working with Scott from that side of the business, we were impressed and happy to have him join GCC.

Scott has his BS in Management and Marketing, and has attended the Allianz International Management Seminar in Germany. In addition to his experience carrier-side, he also spent several years as VP at a financial services company. Scott has made it his personal mission to make sure prospective clients understand the value proposition of credit insurance. He takes the time to thoroughly explain how it is a financial tool that can assist in sales expansion, improving both the borrowing base and terms, and also allowing a company to increase its line of credit. He feels that “making sure I really understand what a company is trying to accomplish is critical. I think trust comes with that.” He thinks the GCC full service model is unique in the industry and helps him to serve his clients better. “All the processes are in place,” he says. A big stickler about integrity, he mentions several times that he is happy to work with management who feels the same way.

Scott’s personal interests are eclectic. On the one hand, he enjoys hunting, kayaking and sports, holding three black belts in martial arts. Yet he is also a serious wine collector. Scott lives in Baltimore and enjoys spending time with his two children.

Mark S. Chapman, JR.

Regional VP of Sales/Midwest

Think of the friendliest, most genuine person you know, and you’ll have a good sense of what Mark Chapman is like. So upbeat, he keeps an Outlook file full of inspirational quotes.

As the new Regional VP of Sales/Midwest, Mark Chapman is the opposite of a high-pressure salesperson. “I’m a rustbelt guy” he says cheerfully, frequently referring to his Midwestern values. He loves dealing with industrial clients, asking every single client for a tour of their facilities. “Credit insurance addresses a number of business issues that almost all rustbelt companies face. It’s not really a ‘sale’, it’s just problem solving.”

Prior to joining GCC, Mark was highly successful at Xerox, no easy feat, and then spent six years in sales at a major credit insurance carrier. His reasons for coming to GCC are many, including an admiration for GCC’s reputation and business model, which he views as “uniquely proactive” and “exactly how the credit insurance relationship should work.” He also sees GCC’s added value as a specialty broker in that he can give his clients access to all the solutions in the marketplace, rather than being limited to the policies of only one carrier.

On his own time, Mark is a family man, devoted to his wife, young daughter and Portuguese water dog. Mark is well travelled, enjoys working in the yard, and loves to cook. He is a fitness fanatic and regularly practices yoga, weight lifting, and high intensity training.

Cindy Oparka

Senior Account Manager

CSR Cindy Oparka came to us with over a decade of experience in the insurance and financial services industries. With her warm and chatty demeanor, you might be surprised to learn that she has her BA in Criminal Justice. Yet when you know Cindy, it all comes together in her gung-ho commitment to service. “We are always working to get the best result for the client,” she says. She thinks it helps that GCC is an independent credit insurance broker and not beholden to any particular carrier.

GCC’s system of assigning each client his or her own customer service representative is crucial in Cindy’s opinion, enabling her to “get to know her clients and their businesses.” And she takes pride in the fact that “we also have financial analysts on staff,” a resource not found at other credit insurance brokers. In her day-to-day interactions, Cindy feels strongly about getting back to clients promptly and listening to them carefully. “Sometimes it’s the little things,” she notes. She likes the way GCC customer service operates as a team. “We all have the same goal – trying to help the client grow his or her business safely.”

Cindy especially likes the “close-knit family feel” at GCC. Not surprisingly, we’ve felt like she’s part of our family from day one. On her own time, Cindy enjoys camping with her husband and is a self-professed soap opera junkie.

Seth Ingalls

Strategic Account Manager

Idealistic. Hard worker. Detail oriented and efficient. Seth Ingalls brings a lot of great qualities to his role as Strategic Account Manager.

With a solid background in both accounting and credit analysis, Seth fully understands the value of credit insurance. He feels that credit and finance managers who think they don’t need it, or are under-insured, are taking a big risk. “Unexpected risk is always out there in every industry sector. Companies need to make sure they are going to get paid for what they sell,” he says.

Seth knows that by utilizing GCC, people can get sound guidance and superb service for no extra cost. But he thinks time should be a consideration as well. “When working with our clients, timely and reliable support helps them keep their credit operations running smoothly and that translates into a more efficient sales process for their business,” Seth notes. “We never lose sight of the goal- helping clients achieve their revenue objectives safely.”

Seth loves his iPad, is a big fan of Twitter and found the book, Freakonomics, to be quite illuminating in terms of how the business world works. He’s generally smiling and positive, but there’s one thing he really dislikes: a messy desk. He handles everything he can by end of day, then straightens up so he has a fresh start the next day.

On his own time, Seth likes to go kayaking in Northern Michigan, which he finds peaceful and relaxing. He’s a big lover of animals and dreams of owning a micro brewery someday. With a child on the way, Seth eagerly looks forward to becoming a father.

Colleen Dimambro

Claims and Recovery Manager

When you meet Colleen, you’re greeted with a big smile and lots of energy. Chat with her for a few minutes and you also can’t help but notice she’s very direct and honest. She tells it like it is.

Colleen brings a strong work ethic to her job as Claims and Recovery Manager. She arrives at the office a full hour early every day and works as long as it takes, returning all of her emails by end of day. “I can’t leave anything undone,” she says. Detail-oriented and organized, she prides herself on listening well, communicating clearly and doing everything in her power to assist her clients. She considers it a personal mission to make “the client feel like a person, not just a number.”

When asked to describe GCC, she doesn’t hesitate. “Customer service runs through our veins. Everyone is willing to help. Everyone.” In view of the big commitment GCC makes to service, Colleen doesn’t see why people should attempt to handle commercial credit insurance themselves. She feels most businesses don’t have the support staff to manage the insurance internally, so they get overwhelmed.

When she’s not doggedly pursuing getting a claim paid for a client, Colleen enjoys camping with her husband and teenage son and just hanging out with family and friends. A few years back, she was the box office supervisor for the Detroit Pistons, where she particularly enjoyed interacting with Bill Laimbeer.

Chris Nicholson

Human Resources Manager

Chris Nicholson is one of those people that you can’t help liking immediately. Not only is she cheerful, reasonable and thoughtful, she also exudes “nice” on every level. Chris is a true “people person” if there ever was one, so it couldn’t be more fitting that she’s the Human Resources Manager at GCC.

An admitted Type A personality, Chris believes in giving her all and thinks anybody who works hard is bound to be successful. She sees her role at GCC as that of a mediator, and feels that expecting positive outcomes helps her to achieve them. “I’m a very positive person,” she says. “I try to see the good in people.” Her approach to problem solving is to strive to be fair and to come up with solutions that are win-win.

Her previous work in HR has brought Chris a keen appreciation for how GCC management treats its employees. The company has “a family feel,” she says. “They care about the employees and appreciate what they have to offer.” She promptly uses herself as an example. “They listen to me, and value my input and expertise. It’s rewarding to come here.” She points out various GCC workplace policies that cater to employees’ needs and morale, as well as generous benefits.

Chris has traveled extensively abroad and likes learning about different cultures. At home, she enjoys spending time with her husband and two children, who all play musical instruments together. When Chris was growing up, both of her parents were pilots, and her family flew everywhere in their own small plane. In keeping with family tradition, she’s taken flying lessons.

Amanada Gunsch

Client Services Representative

A former office manager in the medical field, Amanda Gunsch exudes warmth and patience. But don’t be mislead by all the niceness; she is also quite the go-getter. She mentions a James Dean quote that has inspired her: “Dream as if you’ll live forever. Live as if you’ll die today.”

Amanda believes in going for it, especially when it comes to client service. “We put our customers first, and we do whatever we can to meet their requirements.” Compared to going direct with a carrier, she believes GCC gives the clients “a lot more one-to-one attention.” She repeats, “a LOT,” and laughs. Amanda pulls out all the stops to establish their credit limits, take care of information requests, pull D&B reports, and more. She’ll do everything in her power to try to help meet the clients’ needs. She is genuinely a little shocked by stories she hears from clients who switched to GCC. One client told her that at the previous company, “they hadn’t talked to a real person for years.” Like everyone else at GCC, she thinks it’s important that you can talk to a real person when you have a problem, and not get stuck in voicemail.

In her personal life, Amanda is spontaneous and doesn’t believe in stressing over the small stuff. She likes golfing, being outdoors and doing things with her daughter. She loves Vegas and usually goes at least once a year.

Elizabeth Hynes

Client Service Representative/Ex-Im Bank Coordinator

Don’t let the sweet demeanor fool you. Elizabeth Hynes is one tough cookie. Having spent several years in the insurance industry, Elizabeth recently joined GCC as an Assistant Client Services Representative.

According to Elizabeth, the client service at GCC is on a whole different level. “I don’t think anybody here misses anything,” she says with pride. She thinks anyone who’s serious about growing their business should consider GCC and credit insurance. “If they’re nervous about their receivables and the economy, they’d have more stability,” she notes. “Credit insurance not only protects their receivables, it protects their line of credit and can help secure increased working capital.”

Elizabeth is a big fan of positive thinking, as well as constant communication and follow through. She spends the necessary time to make sure that clients understand their policies. She also works hard to ensure they keep up with their reporting and documentation so that they get maximum benefit from their policies.

On her own time, Elizabeth is a serious sportswoman. She’s an avid snowmobiler and belongs to a women’s skeet shooting league. She’s also gone on fishing charters, once reeling in a small marlin single-handedly. Elizabeth has four children and lives at home with her daughter Ashley. Her newest toy is an AP Drone Wifi Quadricopter, and trust us, she knows how to use it.

Karie Beglau

Client Services Representative

Karie knew GCC was different the first time she walked in the door. As she was interviewed in the conference room, which has glass windows, she was impressed that the other employees all walked by and waved to her. “Professional yet friendly,” she thought.

As a CSR, Karie focuses on building relationships with the clients and gaining their trust. Her long career in sales has taught her that every client is unique and it’s important to adapt. She enjoys getting to know her client’s business which enables her to provide that personal touch.

Karie is puzzled by companies who don’t insure their accounts receivables with a specialty broker like GCC. “They end up having to do it all on their own when we could do the work for them” at no additional cost. She thinks GCC’s experience and industry relationships benefit customers, who rarely specialize in credit insurance themselves. “We do this all the time,” she points out. She also feels that GCC truly cares about its customers. “It’s genuine,” she says. “You can tell when people are faking it.”

Upbeat, determined and a little mischievous, Karie changes her email signature at GCC each day to put some extra cheer into her communications. In her personal life, she is happily married with grown children, an avid scrapbooking aficionado, and, on a fun note, she used to date Donny Osmond.

Roxanne Gates

Administrative Assistant

Call GCC or walk in the door, and the first person you’re likely to talk with is Roxanne Gates. It’s hard to imagine a nicer welcome.

Warm and laidback, Roxanne understands GCC’s commitment to customer service and her role in delivering it. She knows she is the first impression that many people have of the company, so she says, “It’s important to be pleasant. I always answer the phone with a smile.” Roxanne is very meticulous, a good listener and constantly mindful of finding out how each client would prefer to communicate rather than quickly dispensing them to voicemail. “Treat others as you would like to be treated,” is a quote that inspires Roxanne. She incorporates it daily into her duties.

Roxanne likes the friendly atmosphere at GCC and calls herself the “GCC Mom,” not only looking out for clients but for the staff as well. One thing she is a stickler about, though: punctuality. She believes “everybody should show up 10-15 minutes early” for everything. She laughs and says that in the past, she’s even refused to date anybody who showed up late.

Away from the office, Roxanne has three children of her own, and has spent much of her life volunteering for various causes, mostly kid-related. She enjoys camping, gardening and crime fiction as well as westerns, especially those starring John Wayne.

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