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As an undergraduate at Villanova University in the Philadelphia suburbs, Richie Kratz played on the school’s varsity lacrosse team, one of the top 20 teams in the country. He was captain of the team his senior year, and he earned Academic All-America honors that same season. He belonged to the Penn Rho chapter of Sigma Phi Epsilon, and he headed the chapter’s recruitment efforts his junior year. He graduated in 2004 with a BS in business administration and joined HSBC Securities, Inc., working as an operations specialist in the firm’s New York City offices. Richie Kratz became a member of the Villanova Financial Club, an alumni organization that mentors recent graduates who take Wall Street jobs.