Business Finance & Accounting


Arthur Junstrom

Arthur Junstrom

Current City: Monroeville, PA
Chapter: Pittsburgh SCORE

I worked over 30 years for a large multi-national manufacturing corporation.  My areas of responsibility centered mainly on Accounting functions such as Billing and Invoicing, Inventory Control, Accounts Payable, Payroll and long range planning.  I prepared monthly forecasts, Annual Business Plans and 5 year projections and eventually compared actual results to those forecasts to provide Executive Management the information necessary to effectively manage the operations to maximize profitability.

After retirement I took several positions in the Hospitality Industry focusing primarily on Customer Service and Accounting functions.



I have an Accounting degree from Robert Morris University and a Business degree from Penn State.

Tom Bender

Tom Bender

Tom Bender

Current City: Canton, OH

Over 42 years experience at Goodyear Tire.  Various positions in Information Technology, finance, manufacturing, and project management.

Some positions:

Global Director IT - Supply Chain and Finance

Plant Controller - Fayetteville, NC

Director of IT - North America

Director - Global Growth Initiatives




BS Economics, and Social Science - Frostburg State University

MS Mgmt - Frostburg State University

Certificate in Corporate Strategy - MIT Sloan

How likely is it that you would recommend SCORE to a friend or colleague?
What is the primary reason for the score you just gave us?
What improvement could SCORE do to improve our service?
My mentor listened and understood my needs
My mentor was able to assist me
My mentor recommended additional SCORE sercices or scheduled a follow up meeting for me
I will return to see this mentor again
Why did you answer this way?
I will use SCORE again in the next 3 months

Heather Johnson Schmitz

Heather Johnson Schmitz

Current City: Eau Claire, WI


Madhan Janardhanam

Madhan Janardhanam

Current City: Norwalk, CT

I work within the business development function of a large chemicals company in Norwalk, CT. My academic background is predominantly in Business, Finance and Accounting. My expertise is in general growth strategy, creation and review of business plans and financial models and finally, improvement of business operations and profitability. You can find more about me on LinkedIn.

I am interested in mentoring small businesses on a volunteer basis, because I feel individual skills from contributors like me can be harnessed on a platform like SCORE for the betterment of an entire society.



Professional Certifications:

Certificate in Business Strategy, Cornell University, Ithaca, NY

Course in Microeconomics and Strategy for Firm, University of Illinois, Urbana-Champaign, IL

CFA Charter, CFA Institute, Charlottesville, VA

CA, Institute of Chartered Accountants of India, Chennai, India

Basic Degree:

Bachelors in Commerce, University of Madras, Chennai, India

Richard Campagna

Richard Campagna

Current City: Norwich, NY

Chief Operating officer                                                                                                       2012 – Present

Chief Financial officer                                                                                                          2011 - 2012

Mang Insurance Agency, LLC – Norwich, NY                                                           

High growth insurance agency with active acquisition strategy.  Manage commercial and benefits service operations, finance and human resources.  Led reorganization of operating departments, improved service and was quickly moved to COO position.  Evaluate acquisition candidates and manage due diligence.

Richard P. Campagna CPA  - Dunmore, PA                                                                       2009 - 2011

Accounting, Financial and Tax services for individuals and small business.  Operational and financial consulting and assisting insurance enterprises in raising capital.

Vice President, Finance & Chief Financial Officer

VPA, Inc. – Calabasas, California                                                                                             2004 – 2006

Third party claims administrator of self-funded disability insurance programs for major employers including claims adjudication and plan administration and reporting.  Managed finance, human resources and contract administration.                   


  • Executive sponsor and team leader that improved operating efficiency by implementing an automated document management system.
  • Remarketed insurance programs resulting in over $25,000 in savings.
  • Developed client level cost accounting and product pricing process.

Executive Vice President, Corporate Development, Product & Finance

Countrywide Insurance Services - Simi Valley, California                                                                                                                              2001 - 2003

MGA marketing insurance and warranty products to customers of Countrywide Financial.  Revenue $65M.   Managed Underwriting, Finance, IT and Independent Agency Distribution comprised of over 100 staff.


  • Identified opportunity and led due diligence for efforts to acquire a general agency.
  • Established capability to market business outside core mortgage customer universe.
  • Negotiated agreements to outsource auto insurance sales and processing.
  • Reduced expenses through operational streamlining and staffing revisions.


Founder, President & CEO

Pacific Select Property Insurance Company - Walnut Creek, California                                                                                                                             1997 - 2000

Insurance company specializing in residential/commercial catastrophe exposed property insurance.  Managed all operations and led development of management team, business process outsourcing, product development, sales & marketing, operations, and leading edge risk management process.


  • Founded and built operations and sold company for 150% of book value.
  • Implemented a formula-based reinsurance program saving $1 million in annual premiums.
  • Outsourced business processing minimizing up-front capital investment and fixed costs.
  • Implemented Internet strategy with underwriting, policy processing, and direct sales.

USF&G Corporation - Baltimore, Maryland                                        1988 - 1997

President - F&G Specialty Insurance Services                                               1995 - 1997

Vice President – Treasurer                                                                                 1993 - 1995

Vice President – Controller                                                                              1991 - 1993

Asst. Vice President – Controller, F&G Life                                                 1988 - 1991


Major publicly held international company offering property & casualty, reinsurance, life insurance and financial services.  Revenue $5 Billion - 12,000 employees.  Managed all financial areas including accounting, capital markets, investor relations and operational support areas.  Developed new startup operation writing in earthquake and hurricane exposed areas.  Managed all operations including marketing, underwriting, operations, risk management and finance.

  • Led development of new operation writing earthquake and wind exposed risks.
  • Revised marketing strategy in response to market conditions, resulting in rapid growth.
  • Improved relationships with investment analysts and rating agencies resulting in upgrades.
  • Reengineered operating departments resulting in savings of over $2 million annually while still improving financial reporting process.
  • Restructured capital through $600 million in creative transactions resulting in $26 million in annual dividend and interest savings.
  • Through proactive communication with customers and regulators, stemmed a “run on the bank” and convinced regulators not to take action against the company.


Senior Manager

Ernst & Young - Baltimore, Maryland                                                 1981 - 1987

A “Big 4” public accounting firm with offices throughout the world.  Senior audit manager leading services to clients mainly in insurance ranging in size from $50 million to $5 billion in revenue.  Managed engagement staffing, reviewed staff work and communicated audit results to management and audit committees.  Interfaced regularly with CFO, controller, actuaries and boards of directors.



  • Served on national task force to develop audit guidance for insurance industry
  • Through a timely and complete review of work in the field, audit engagement hours were cut resulting in a 20%+ improvement in collections versus standard rates.



Chief Financial Officer

The Forma Group, Inc. – Danville, CA                                                                                 2006 - 2008

Founder and officer of company bringing new technology to the wood frame construction industry.


  • Raised over $5 million in equity capital and obtained $1.8 million equipment lease.
  • Established finance, legal, human resources and shareholder management processes.


Chief Operating Officer/Chief Financial Officer

Design2build, Inc. - Walnut Creek, California                                                                                                                             2000 - 2001

Start-up technology and engineering services company providing collaborative software.


  • Prepared financial models presentations to investors resulting in $1 million in funding.
  • Negotiated contracts and managed relationship with international engineering partners



B.S. Accounting, University of Scranton</p>

Kay Keller

Kay Keller

Current City: Anchorage, AK
Chapter: Alaska SCORE

Over twenty years of experience in: strategic planning and problem solving in diverse settings to achieve difficult objectives on time and on budget; cultivating cross functional relationships from staff to executive and from vendor to client; energizing, corroborating, driving, focusing, executing. Results orientated with strong team skills, I particularly enjoy working with people to identify and overcome challenges to achieve success Skills • Detail and Results Oriented • Communication and conflict resolution • Process Improvement & best practices • Project life cycle management • PMP & ITIL Foundation certified • Customer relations & satisfaction • Cross functional team building



EDUCATION University of Alabama, Huntsville, Alabama Bachelor of Science in Electrical Engineering


PMP Certified, ITIL 2011 Foundation Certified, CISSP (ISC)2 Certification in progress, CCSP 2012 Citrix Certified Sales Professional, Compellent Top Gun, Cloud Solution, Dell certified systems expert, Security Associate in RSA Authentication

FINRA Series 7 & 66, Life, Health, Property & Casualty, Certified Financial Manager


PMI.ORfG: Alaska Chapter of Association of Internet Technology Professionals (AITP); Institute of Electrical & Electronics Engineers Alaska Chapter, Secretary 04 and Treasurer 08-09; BPW Acting President '05

Mike Ruffing

Mike Ruffing

Current City: Buckhannon, WV

Assistant Manager- Circuit City 2001-2004

Assistant Manager- Midas Intl 2005-2006

Manager- Advance Auto Parts 2006-2011

District Leader- Advance Auto Parts 2011- Present

Owner- Problem Solver's Consultants 2014- Present



Penn State University- Business Administration

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