SlideShare a Scribd company logo
1 of 3
1
MICHAEL W. KURYLA
380 College St. mikekuryla@aol.com Cell: 303-324-7921
Cobourg, ON, Canada K9A 3V7 www.linkedin.com/in/mwkuryla/ www.michaelkuryla.com
SUMMARY
VP-level executive in Fortune 500 businesses with experience working with private equity groups, small and
medium sized enterprises. Core competencies include strategic and financial planning/analysis, M&A, pricing,
and IT. Experience includes the turn-around and growth of business that benefited from restructuring,
strengthened controls, systems development and customer-driven processes. Key strengths include problem
solving and creatively managing multiple complex projects. Proven record includes improved processes that
drove higher EBITDA and ROI.
PROFESSIONAL EXPERIENCE
FINANCIAL AND STRATEGIC PLANNING CONSULTING - Los Angeles, CA 2015
Available for full time, part time and project work both locally and in other locations
LUX BEAUTY GROUP, INC., CFO, Los Angeles, CA 2013-2015
Manufacturer of custom bath and beauty products including the "Royal Apothic" brand. In 2014, sales increased
50% to $6.0 million while EBITDA increased to $0.2 million from ($1.2 million) in 2013. Capacity was
increased to accommodate $20 to $30 million of revenue in existing facilities.
 Recruited as the Company's third CFO in eight months to stabilize the finance activity and prepare for rapid
growth
o Developed financial models and integrated them into the Company's planning process
o Established project analysis processes for capital expenditures and new business opportunities
o Transitioned from cash accounting on QuickBooks to "reviewable" accrual accounting on
NetSuite
o Managed rolling 52 week cash flow planning process by account, customer and vendor
o Dramatically improved the level and quality of information provided to investors
 Identified requirement and raised additional capital to shore up operations and support growth
o Raised $1.1 million in an equity "up-round" and issued stock certificates for first and second
rounds
o Secured $300,000 of lease financing for high capacity equipment purchases to support planned
growth
o Raised $1.5 million of purchase order and receivables backed debt to replace costly factoring
arrangements
 Partnered with CEO to set strategy to grow by adding new products for existing customers, selling existing
products in new US and international markets and by adding new brands targeted as mass market retailers.
 Structured M&A models to support two potential acquisition opportunities via earn-outs and for the
eventual sale of the business to a strategic buyer
 Installed human resource processes required to meet regulations by partnering with Paychex and partnered
with the CEO to recruit replacements for the VP - Sales and the VP - Operations
2
MICHAEL W. KURYLA Page Two
FINANCIAL, STRATEGIC and WEB CONSULTING - Denver, CO and Incline Village, NV 2005-2013
 STRATEGIC PRICING SOLUTIONS, Consultant, Plano, TX and Parsippany, NJ (2011-2013)
o Pricing and strategic planning consulting engagements with $500 million to $1 billion+ firms
 SAGE CONNEX, Consultant, Denver, CO (2008-2011)
o Financial and strategic planning in support of capital raise for Sage connex telephony businesses
 UNIFI CAPITAL MANAGEMENT, Partner and consultant, Denver, CO (2005-2008)
o Created business case and sourced financing with Lehman Brothers for a $500+ million
subsidiary spin-off
o Financial planning and analysis on projects including Dignitas low-income housing in Latin
America
 CARTASITE, CFO and Sales Consultant, Denver, CO (2005)
o Initial $1 million capital raise with private investors for this early entry into the vehicle
telematics space
o Commercial vehicle telematics proposal to Ryder System
 MARKETING4THEWEB, LLC, Owner and Partner, Denver, CO and Incline Village, NV (2006-2012)
o Purchased franchise from WSI. WSI (We Simplify the Internet) is the world leader in internet
marketing, web development and web design developing profitable digital marketing solutions
for small and medium sized businesses since the mid 1990s.
o Services included Google Analytics, search engine optimization (SEO), and online advertising
(PPC), web site development, competitive analysis and outsourcing selected services to India
BUDGET TRUCK RENTAL, Senior Vice President, Finance, Denver, Colorado 2003-2005
New management team was hired in 2003 and turned a $40 million loss to record profits in 2004 and 2005.
Delivered BTR staff services with 150+ associates in the Finance, Revenue Management, Information
Technology and Marketing departments ($20 million budget)
 Upgraded the Finance organization by introducing better reporting and analytical resources
 Increased revenue per Unit 10%+ with higher prices and the culling of unprofitable accounts
 Implemented a number of IT based marketing programs including:
o Automated Vehicle Locator: a system using GPS to increase revenue and lower costs
o Planning for Profitable Growth: a tool to optimize dealer placement. Exceeded goal by 25%.
ADP INC., Parsippany, New Jersey & Toronto, Ontario 1997-2002
$7.0 billion multi-national firm outsourcing services to commercial customers. The $230 million ADP Canada,
Inc. business is a region within the $2.0 billion Major Accounts Services business
VP-Strategic Planning & Development - ADP Major Accounts-Parsippany, New Jersey (2001-2002)
VP-Project Executive Money Movement - ADP Canada, Toronto (1999-2001)
 Designed, proposed and managed Phase II of a $10 million Oracle-based ( GL, AR, AP and cash
management) money movement system to control $60 billion of annual payroll funds flow and process the
highest number of Oracle Financial Suite AP transactions in the world (2 million weekly). System is now
used in ADP’s British payroll business.
3
MICHAEL W. KURYLA Page Three
VP-Finance, Chief Financial Officer - ADP Canada, Toronto (1997-1999)
 Reported to the President-ADP Canada, Inc. on a four-year expatriate assignment to consolidate new
acquisitions and implement financial controls. Led 140-employee department providing traditional finance
functions and banking services. Implemented financial controls, systems and reporting using Oracle
Financial Suite for Money Movement system Phase I.
NEW YORK LIFE, Miami, Florida
Agent – Life Insurance sales and FINRA Series 6 License 1996-1997
RYDER SYSTEM INC., Miami Florida 1978-1995
$5 billion multi-national firm operating in commercial and consumer markets, including truck leasing and
rental, student transportation services, auto carriage, logistics and aviation engine overhaul and parts
distribution.
Vice President - Market Planning (1993-1995)
Led Ryder’s multi-divisional Strategic Market Planning, Product Pricing and Analysis, Market Research and
Customer Satisfaction departments with a combined $7 million annual budget and 50 people, primarily MBA’s.
Reported to the EVP-Sales & Marketing with dotted line to EVP-Finance and CFO.
 Set strategic market planning process for Ryder’s $5 billion group of businesses.
 Directed the Pricing Department’s sales support activity to generate $800 million 1995 sales.
 Executed Market Value Pricing with over 600 lease sales people
 Sponsored Strategic Asset Management project which enhanced Ryder’s core competency
 Communicated the results of a groundbreaking market research study of the private carriage market.
 Developed a strong competitive intelligence function to assess strategic and tactical threats.
Fleet Controller (1991-1993)
Controlled Ryder’s Product Pricing and Analysis, Vehicle Administration departments and a variety of special
projects. Supervised the assets of the 150,000 vehicle, $2.5 billion truck leasing and rental business, reported to
the Corporate Controller.
Group Director - Corporate Planning (1987-1991)
Directed Ryder’s corporate-level business and strategic planning processes, financial analysis, acquisition and
divestiture analysis, corporate development and operations analysis. Led $2 billion division’s planning, pricing
and cost analysis processes. Department included up to 35 MBA’s. Reported to CFO, worked with CEO.
Group Director - Business Planning (1978-1987)
Recruited as a senior financial analyst. Promoted through the financial management ranks of Ryder’s $2 billion
Vehicle Leasing & Services Division. Responsible for financial and strategic planning, financial analysis,
pricing and costing processes.
FORD MOTOR COMPANY INC., Dearborn, Michigan 1976-1978
Staff Financial Analyst
EDUCATION
MBA, Finance and Multinational Enterprise, Wharton Graduate School, Philadelphia, Pennsylvania, 1976
BBA, Finance, University of Notre Dame, Notre Dame, Indiana, 1974

More Related Content

What's hot

Res Bricault,Stephane.V5 (1) Ladder
Res Bricault,Stephane.V5 (1) LadderRes Bricault,Stephane.V5 (1) Ladder
Res Bricault,Stephane.V5 (1) LadderScuba99
 
CV & REFS J Esterhuizen Feb 2016
CV & REFS J Esterhuizen Feb 2016 CV & REFS J Esterhuizen Feb 2016
CV & REFS J Esterhuizen Feb 2016 Jane Esterhuizen
 
Alejandro Salicrup Cv March 2011
Alejandro Salicrup Cv  March 2011Alejandro Salicrup Cv  March 2011
Alejandro Salicrup Cv March 2011alejandrosalicrup
 
Saj CV April 2015
Saj CV April 2015Saj CV April 2015
Saj CV April 2015Sajida Ali
 
Senior Sales & BD Exec.
Senior Sales & BD Exec.Senior Sales & BD Exec.
Senior Sales & BD Exec.Upperman
 
CV -- Marcel Ch. Kassab)
CV -- Marcel Ch. Kassab)CV -- Marcel Ch. Kassab)
CV -- Marcel Ch. Kassab)Marcel Kassab
 
Resume - Hanna Nassif
Resume - Hanna NassifResume - Hanna Nassif
Resume - Hanna NassifHanna Nassif
 
H TARI RESUME 5-17-16
H  TARI RESUME 5-17-16H  TARI RESUME 5-17-16
H TARI RESUME 5-17-16Hamid Tari
 

What's hot (19)

NU Resume 12-28
NU Resume 12-28NU Resume 12-28
NU Resume 12-28
 
Krauseresume
KrauseresumeKrauseresume
Krauseresume
 
Mk barmawi resume
Mk barmawi resumeMk barmawi resume
Mk barmawi resume
 
Res Bricault,Stephane.V5 (1) Ladder
Res Bricault,Stephane.V5 (1) LadderRes Bricault,Stephane.V5 (1) Ladder
Res Bricault,Stephane.V5 (1) Ladder
 
CV & REFS J Esterhuizen Feb 2016
CV & REFS J Esterhuizen Feb 2016 CV & REFS J Esterhuizen Feb 2016
CV & REFS J Esterhuizen Feb 2016
 
resumethandy
resumethandyresumethandy
resumethandy
 
Carol Buchmann Resume
Carol Buchmann ResumeCarol Buchmann Resume
Carol Buchmann Resume
 
Alejandro Salicrup Cv March 2011
Alejandro Salicrup Cv  March 2011Alejandro Salicrup Cv  March 2011
Alejandro Salicrup Cv March 2011
 
FriedensohnHoward
FriedensohnHowardFriedensohnHoward
FriedensohnHoward
 
J. Aleixo
J. AleixoJ. Aleixo
J. Aleixo
 
Saj CV April 2015
Saj CV April 2015Saj CV April 2015
Saj CV April 2015
 
Jan von Feilitzen CV
Jan von Feilitzen CVJan von Feilitzen CV
Jan von Feilitzen CV
 
Senior Sales & BD Exec.
Senior Sales & BD Exec.Senior Sales & BD Exec.
Senior Sales & BD Exec.
 
JasonReynolds-Resume_031716
JasonReynolds-Resume_031716JasonReynolds-Resume_031716
JasonReynolds-Resume_031716
 
CV -- Marcel Ch. Kassab)
CV -- Marcel Ch. Kassab)CV -- Marcel Ch. Kassab)
CV -- Marcel Ch. Kassab)
 
Resume - Hanna Nassif
Resume - Hanna NassifResume - Hanna Nassif
Resume - Hanna Nassif
 
B matthews resume linked in
B matthews resume linked inB matthews resume linked in
B matthews resume linked in
 
H TARI RESUME 5-17-16
H  TARI RESUME 5-17-16H  TARI RESUME 5-17-16
H TARI RESUME 5-17-16
 
JLCPROFRES16-C
JLCPROFRES16-CJLCPROFRES16-C
JLCPROFRES16-C
 

Similar to Mike Kuryla Resume 20160928

Resume_White_James_R 2016
Resume_White_James_R 2016Resume_White_James_R 2016
Resume_White_James_R 2016Jim White
 
Resume-Controller_CFO
Resume-Controller_CFOResume-Controller_CFO
Resume-Controller_CFODaryl Walter
 
Tony fiorentinos 2016 july 23
Tony fiorentinos 2016 july 23Tony fiorentinos 2016 july 23
Tony fiorentinos 2016 july 23Tony Fiorentinos
 
Ashley Hyland Katz Resume 2016
Ashley Hyland Katz Resume 2016Ashley Hyland Katz Resume 2016
Ashley Hyland Katz Resume 2016ashley hyland katz
 
Francis Wilde Resume (March 12)
Francis Wilde Resume (March 12)Francis Wilde Resume (March 12)
Francis Wilde Resume (March 12)fwilde17
 
Sri Rangan External Resume
Sri Rangan External ResumeSri Rangan External Resume
Sri Rangan External ResumeSri Rangan
 
Steve Akre Resume
Steve Akre ResumeSteve Akre Resume
Steve Akre ResumeSmakre99
 
Senior Finance and Business Professional
Senior Finance and Business ProfessionalSenior Finance and Business Professional
Senior Finance and Business ProfessionalMonica Treacy
 
Gary S. Lang resume powerpoint
Gary S. Lang resume powerpointGary S. Lang resume powerpoint
Gary S. Lang resume powerpointGaryLang88
 
Gary S. Lang Resume Powerpoint
Gary S. Lang Resume PowerpointGary S. Lang Resume Powerpoint
Gary S. Lang Resume PowerpointGaryLang88
 
Resume -James Y Cheng
Resume -James Y  Cheng Resume -James Y  Cheng
Resume -James Y Cheng James Cheng
 
MELANIE MCMILLAN CV SEPT 2015
MELANIE MCMILLAN CV  SEPT 2015MELANIE MCMILLAN CV  SEPT 2015
MELANIE MCMILLAN CV SEPT 2015Melanie McMillan
 
Doug Wille Resume
Doug Wille ResumeDoug Wille Resume
Doug Wille ResumeDoug Wille
 
Rgnagy resume
Rgnagy resumeRgnagy resume
Rgnagy resumeBob Nagy
 
SEAN_KARL_RESUME_141117
SEAN_KARL_RESUME_141117SEAN_KARL_RESUME_141117
SEAN_KARL_RESUME_141117Sean Karl
 
Vargo_William_Resume
Vargo_William_ResumeVargo_William_Resume
Vargo_William_ResumeBill Vargo
 

Similar to Mike Kuryla Resume 20160928 (20)

Resume_White_James_R 2016
Resume_White_James_R 2016Resume_White_James_R 2016
Resume_White_James_R 2016
 
Resume-Controller_CFO
Resume-Controller_CFOResume-Controller_CFO
Resume-Controller_CFO
 
Luis Alexis Nieves - Resume
Luis Alexis Nieves - ResumeLuis Alexis Nieves - Resume
Luis Alexis Nieves - Resume
 
Alison Cornell CV NC
Alison Cornell CV NCAlison Cornell CV NC
Alison Cornell CV NC
 
Tony fiorentinos 2016 july 23
Tony fiorentinos 2016 july 23Tony fiorentinos 2016 july 23
Tony fiorentinos 2016 july 23
 
Ashley Hyland Katz Resume 2016
Ashley Hyland Katz Resume 2016Ashley Hyland Katz Resume 2016
Ashley Hyland Katz Resume 2016
 
Francis Wilde Resume (March 12)
Francis Wilde Resume (March 12)Francis Wilde Resume (March 12)
Francis Wilde Resume (March 12)
 
Sri Rangan External Resume
Sri Rangan External ResumeSri Rangan External Resume
Sri Rangan External Resume
 
Rick Battaglini Resume
Rick Battaglini ResumeRick Battaglini Resume
Rick Battaglini Resume
 
Steve Akre Resume
Steve Akre ResumeSteve Akre Resume
Steve Akre Resume
 
Senior Finance and Business Professional
Senior Finance and Business ProfessionalSenior Finance and Business Professional
Senior Finance and Business Professional
 
Gary S. Lang resume powerpoint
Gary S. Lang resume powerpointGary S. Lang resume powerpoint
Gary S. Lang resume powerpoint
 
Gary S. Lang Resume Powerpoint
Gary S. Lang Resume PowerpointGary S. Lang Resume Powerpoint
Gary S. Lang Resume Powerpoint
 
Resume -James Y Cheng
Resume -James Y  Cheng Resume -James Y  Cheng
Resume -James Y Cheng
 
MELANIE MCMILLAN CV SEPT 2015
MELANIE MCMILLAN CV  SEPT 2015MELANIE MCMILLAN CV  SEPT 2015
MELANIE MCMILLAN CV SEPT 2015
 
Resume - Michael P. Piazza, MS, MBA
Resume - Michael P. Piazza, MS, MBAResume - Michael P. Piazza, MS, MBA
Resume - Michael P. Piazza, MS, MBA
 
Doug Wille Resume
Doug Wille ResumeDoug Wille Resume
Doug Wille Resume
 
Rgnagy resume
Rgnagy resumeRgnagy resume
Rgnagy resume
 
SEAN_KARL_RESUME_141117
SEAN_KARL_RESUME_141117SEAN_KARL_RESUME_141117
SEAN_KARL_RESUME_141117
 
Vargo_William_Resume
Vargo_William_ResumeVargo_William_Resume
Vargo_William_Resume
 

Mike Kuryla Resume 20160928

  • 1. 1 MICHAEL W. KURYLA 380 College St. mikekuryla@aol.com Cell: 303-324-7921 Cobourg, ON, Canada K9A 3V7 www.linkedin.com/in/mwkuryla/ www.michaelkuryla.com SUMMARY VP-level executive in Fortune 500 businesses with experience working with private equity groups, small and medium sized enterprises. Core competencies include strategic and financial planning/analysis, M&A, pricing, and IT. Experience includes the turn-around and growth of business that benefited from restructuring, strengthened controls, systems development and customer-driven processes. Key strengths include problem solving and creatively managing multiple complex projects. Proven record includes improved processes that drove higher EBITDA and ROI. PROFESSIONAL EXPERIENCE FINANCIAL AND STRATEGIC PLANNING CONSULTING - Los Angeles, CA 2015 Available for full time, part time and project work both locally and in other locations LUX BEAUTY GROUP, INC., CFO, Los Angeles, CA 2013-2015 Manufacturer of custom bath and beauty products including the "Royal Apothic" brand. In 2014, sales increased 50% to $6.0 million while EBITDA increased to $0.2 million from ($1.2 million) in 2013. Capacity was increased to accommodate $20 to $30 million of revenue in existing facilities.  Recruited as the Company's third CFO in eight months to stabilize the finance activity and prepare for rapid growth o Developed financial models and integrated them into the Company's planning process o Established project analysis processes for capital expenditures and new business opportunities o Transitioned from cash accounting on QuickBooks to "reviewable" accrual accounting on NetSuite o Managed rolling 52 week cash flow planning process by account, customer and vendor o Dramatically improved the level and quality of information provided to investors  Identified requirement and raised additional capital to shore up operations and support growth o Raised $1.1 million in an equity "up-round" and issued stock certificates for first and second rounds o Secured $300,000 of lease financing for high capacity equipment purchases to support planned growth o Raised $1.5 million of purchase order and receivables backed debt to replace costly factoring arrangements  Partnered with CEO to set strategy to grow by adding new products for existing customers, selling existing products in new US and international markets and by adding new brands targeted as mass market retailers.  Structured M&A models to support two potential acquisition opportunities via earn-outs and for the eventual sale of the business to a strategic buyer  Installed human resource processes required to meet regulations by partnering with Paychex and partnered with the CEO to recruit replacements for the VP - Sales and the VP - Operations
  • 2. 2 MICHAEL W. KURYLA Page Two FINANCIAL, STRATEGIC and WEB CONSULTING - Denver, CO and Incline Village, NV 2005-2013  STRATEGIC PRICING SOLUTIONS, Consultant, Plano, TX and Parsippany, NJ (2011-2013) o Pricing and strategic planning consulting engagements with $500 million to $1 billion+ firms  SAGE CONNEX, Consultant, Denver, CO (2008-2011) o Financial and strategic planning in support of capital raise for Sage connex telephony businesses  UNIFI CAPITAL MANAGEMENT, Partner and consultant, Denver, CO (2005-2008) o Created business case and sourced financing with Lehman Brothers for a $500+ million subsidiary spin-off o Financial planning and analysis on projects including Dignitas low-income housing in Latin America  CARTASITE, CFO and Sales Consultant, Denver, CO (2005) o Initial $1 million capital raise with private investors for this early entry into the vehicle telematics space o Commercial vehicle telematics proposal to Ryder System  MARKETING4THEWEB, LLC, Owner and Partner, Denver, CO and Incline Village, NV (2006-2012) o Purchased franchise from WSI. WSI (We Simplify the Internet) is the world leader in internet marketing, web development and web design developing profitable digital marketing solutions for small and medium sized businesses since the mid 1990s. o Services included Google Analytics, search engine optimization (SEO), and online advertising (PPC), web site development, competitive analysis and outsourcing selected services to India BUDGET TRUCK RENTAL, Senior Vice President, Finance, Denver, Colorado 2003-2005 New management team was hired in 2003 and turned a $40 million loss to record profits in 2004 and 2005. Delivered BTR staff services with 150+ associates in the Finance, Revenue Management, Information Technology and Marketing departments ($20 million budget)  Upgraded the Finance organization by introducing better reporting and analytical resources  Increased revenue per Unit 10%+ with higher prices and the culling of unprofitable accounts  Implemented a number of IT based marketing programs including: o Automated Vehicle Locator: a system using GPS to increase revenue and lower costs o Planning for Profitable Growth: a tool to optimize dealer placement. Exceeded goal by 25%. ADP INC., Parsippany, New Jersey & Toronto, Ontario 1997-2002 $7.0 billion multi-national firm outsourcing services to commercial customers. The $230 million ADP Canada, Inc. business is a region within the $2.0 billion Major Accounts Services business VP-Strategic Planning & Development - ADP Major Accounts-Parsippany, New Jersey (2001-2002) VP-Project Executive Money Movement - ADP Canada, Toronto (1999-2001)  Designed, proposed and managed Phase II of a $10 million Oracle-based ( GL, AR, AP and cash management) money movement system to control $60 billion of annual payroll funds flow and process the highest number of Oracle Financial Suite AP transactions in the world (2 million weekly). System is now used in ADP’s British payroll business.
  • 3. 3 MICHAEL W. KURYLA Page Three VP-Finance, Chief Financial Officer - ADP Canada, Toronto (1997-1999)  Reported to the President-ADP Canada, Inc. on a four-year expatriate assignment to consolidate new acquisitions and implement financial controls. Led 140-employee department providing traditional finance functions and banking services. Implemented financial controls, systems and reporting using Oracle Financial Suite for Money Movement system Phase I. NEW YORK LIFE, Miami, Florida Agent – Life Insurance sales and FINRA Series 6 License 1996-1997 RYDER SYSTEM INC., Miami Florida 1978-1995 $5 billion multi-national firm operating in commercial and consumer markets, including truck leasing and rental, student transportation services, auto carriage, logistics and aviation engine overhaul and parts distribution. Vice President - Market Planning (1993-1995) Led Ryder’s multi-divisional Strategic Market Planning, Product Pricing and Analysis, Market Research and Customer Satisfaction departments with a combined $7 million annual budget and 50 people, primarily MBA’s. Reported to the EVP-Sales & Marketing with dotted line to EVP-Finance and CFO.  Set strategic market planning process for Ryder’s $5 billion group of businesses.  Directed the Pricing Department’s sales support activity to generate $800 million 1995 sales.  Executed Market Value Pricing with over 600 lease sales people  Sponsored Strategic Asset Management project which enhanced Ryder’s core competency  Communicated the results of a groundbreaking market research study of the private carriage market.  Developed a strong competitive intelligence function to assess strategic and tactical threats. Fleet Controller (1991-1993) Controlled Ryder’s Product Pricing and Analysis, Vehicle Administration departments and a variety of special projects. Supervised the assets of the 150,000 vehicle, $2.5 billion truck leasing and rental business, reported to the Corporate Controller. Group Director - Corporate Planning (1987-1991) Directed Ryder’s corporate-level business and strategic planning processes, financial analysis, acquisition and divestiture analysis, corporate development and operations analysis. Led $2 billion division’s planning, pricing and cost analysis processes. Department included up to 35 MBA’s. Reported to CFO, worked with CEO. Group Director - Business Planning (1978-1987) Recruited as a senior financial analyst. Promoted through the financial management ranks of Ryder’s $2 billion Vehicle Leasing & Services Division. Responsible for financial and strategic planning, financial analysis, pricing and costing processes. FORD MOTOR COMPANY INC., Dearborn, Michigan 1976-1978 Staff Financial Analyst EDUCATION MBA, Finance and Multinational Enterprise, Wharton Graduate School, Philadelphia, Pennsylvania, 1976 BBA, Finance, University of Notre Dame, Notre Dame, Indiana, 1974