Randal Hamburg is a strategic finance leader with experience leading finance teams and restructuring organizations. He has an MBA from Thunderbird School of International Management and over 20 years of experience in finance roles for non-profits, startups, and Fortune 500 companies. His most recent role was as Director of Finance & Administration for Connections for the Homeless, where he helped grow revenue from $4.5M to $14M and negotiated housing for over 200 people during COVID.
Bilingual Financial Professional who partners with company leadership as a trusted advisor and plays a pivotal role in influencing business strategy, planning and growth,
Experienced leader with 20 years of experience in multiple industries, including private equity sponsored financial services, telecommunications and technology companies. Oversee capital structure, including placement of senior, term and junior debt and equity financing. Accurate monthly reporting of financial and operating metrics for all stakeholders. Strategic partner with CEO and operating departments to make decisions based on data analysis and financial metrics. Manage external audit and tax compliance functions.
Sale process – Led successful sale to private equity sponsor completed in 2016, including investment bank selection, creation of all investor materials and presentations, coordination of responses during due diligence, key presenter in all investor and lender meetings, creation of financial model, review of all legal documents, and execution of incremental debt facilities to finance a portion of the purchase. Led financial due diligence for acquisition and secured incremental financing.
Credit facilities – Significant senior facility expansion during six-year tenure, including 4x growth of lender commitments, growth of two lender facility to seven bank syndicate, and negotiation of decreased interest costs. Refinancing of junior facility, increase and refinancing to support sale, expansion to support facility growth to refinance debt from acquired company. Experience drafting and amending credit agreements, working with company and lender counsel.
Data analysis – Led company efforts for data analysis and review, encompassing all operating aspects of the business, including call center performance, marketing, inside and outside sales, pricing and margin analysis, conversion rates and operational performance.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Bilingual Financial Professional who partners with company leadership as a trusted advisor and plays a pivotal role in influencing business strategy, planning and growth,
Experienced leader with 20 years of experience in multiple industries, including private equity sponsored financial services, telecommunications and technology companies. Oversee capital structure, including placement of senior, term and junior debt and equity financing. Accurate monthly reporting of financial and operating metrics for all stakeholders. Strategic partner with CEO and operating departments to make decisions based on data analysis and financial metrics. Manage external audit and tax compliance functions.
Sale process – Led successful sale to private equity sponsor completed in 2016, including investment bank selection, creation of all investor materials and presentations, coordination of responses during due diligence, key presenter in all investor and lender meetings, creation of financial model, review of all legal documents, and execution of incremental debt facilities to finance a portion of the purchase. Led financial due diligence for acquisition and secured incremental financing.
Credit facilities – Significant senior facility expansion during six-year tenure, including 4x growth of lender commitments, growth of two lender facility to seven bank syndicate, and negotiation of decreased interest costs. Refinancing of junior facility, increase and refinancing to support sale, expansion to support facility growth to refinance debt from acquired company. Experience drafting and amending credit agreements, working with company and lender counsel.
Data analysis – Led company efforts for data analysis and review, encompassing all operating aspects of the business, including call center performance, marketing, inside and outside sales, pricing and margin analysis, conversion rates and operational performance.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
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how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
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What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
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Randal Hamburg Resume 12-3-2022.pdf
1. RANDAL HAMBURG
Evanston, IL • Cell: (312) 479 – 7768
RandalHam310@gmail.com • http://www.linkedin.com/in/rhamburg
SUMMARY
Strategic finance leader with experience building start-ups into middle-market companies and leading
finance and strategy divisions of Fortune 500 companies in advertising/digital media, financial services, real
estate, and nonprofits. Extensive transformational background in creating processes, cost controls,
turnarounds, and restructurings. Thunderbird School of International Management, MBA.
COMPETENCIES
✓ Financial Reporting ✓ Cash Management ✓ Team Leadership
✓ Budgeting / Forecasting ✓ Banking/Financing Strategy ✓ Project Management
✓ Financial Analysis & Modeling ✓ Revenue Recognition ✓ Benchmarking/Metrics
✓ Audit Lead ✓ Lease/Vendor Negotiations ✓ Restructuring/Turnaround
PROFESSIONAL EXPERIENCE
CONNECTIONS FOR THE HOMELESS 2019 – 2022
Nonprofit in Evanston, IL with a mission to end to homelessness in the community.
Director Finance & Administration
Reporting to the Executive Director led the Finance/Admin Team through major growth during COVID.
Created budgets, monthly financials, and quarterly forecasts for the Finance Committee and Board.
Managed cash and banking relationships, secured PPP loan, and directed audits. Led team of 7 FTEs.
• Restructured and led the Finance team as revenue went from $4.5M to $14M with the number of
grants more than doubling.
• Ran HR during the peak of hiring from 44 employees to nearly 90. Improved employee benefits to
remain competitive in a tight labor market.
• Negotiated with local hotels, the City of Evanston, Cook County, and FEMA to fund housing for
over 200 people during COVID.
• Created and implemented five-year strategic plan and DEI (Diversity, Equity, and Inclusion) plan
along with Senior Leadership Team and consultants.
A SAFE HAVEN, Chicago, IL 2019
Nonprofit with a mission to end homelessness through housing, education, and workforce development.
Chief Financial Officer
Reporting to the Executive Team leading finance team. Responsible for all financial reporting and risk
management for a $22M annual budget. Built a framework for a revised layered budget. Managed the FY19
audit. Created business plans for for-profit Landscaping and Catering improving returns by over 20%.
PARLIAMENT OF THE WORLD’S RELIGIONS, Chicago, IL 2018 – 2019
Nonprofit with a mission to cultivate harmony among the world's religious and spiritual communities
through major international convenings of 8-10,000 attendees every five years.
Interim Chief Operating Officer
Reported to the Executive Director and Board of Directors, led US and Toronto staff for a convening in
Toronto with 8,300 attendees and 1,600 presenters in November 2018. Created budgets for the $4M event.
SUITE PARTNERS INC., Chicago, IL 2009 – 2018
Digital advertising agency with revenues of $10M.
Financial Consultant 2017 – 2018
Continued consulting to CEO/Founder as business went through a potential merger.
VP, Finance & Administration 2011 – 2017
Director of Finance / Financial Consultant 2009 – 2011
2. Randal Hamburg Page 2 of 2
SUITE PARTNERS INC. continued
Advised CEO on business strategies, including operating and capital budgets, accounting, cash and banking
strategy, staffing, IT, facilities, and legal matters. Managed Finance, HR, IT, and Office Services as the
company grew, and led restructuring after client losses.
• Increased gross margins 26% through increased efficiencies on equipment and freelancers.
• Project managed several large-scale capital projects all coming in under budget by 5-15%.
• Led restructuring following client losses including lease buyouts.
JEWISH VOCATIONAL SERVICES, Chicago, IL 2009 – 2011
Nonprofit providing job training and entry-level positions to adults, youth, seniors, and people with
disabilities.
Budget Director / Financial Consultant
Hired by the Executive Director to help manage a $16M budget with a $1.5M deficit and unrecorded loans.
Presented monthly financial reports to Board and Treasurer and worked with auditors.
• Recommended turnaround plan, moving from a $750K loss to breakeven in two years.
• Improved budget accuracy and variance reporting and created a detailed allocation process.
• Increased federal grant overhead recoveries by 8% by better capturing full overhead costs.
HEWITT ASSOCIATES, Lincolnshire, IL 2007 – 2008
Global human resources consultancy
Global Financial Lead / Project Consultant
Managed a $211M global budget and supervised real estate finance staff.
• Designed financial strategy for lean restructuring initiative resulting in $41M annual cost reduction.
• Implemented tighter cash and project controls allowing for a $9M shift from FY08 into FY09.
• Created and tracked $87M restructuring project producing monthly board reports.
AMERICAN EXPRESS / RSM MCGLADREY, Chicago, IL 2001 – 2006
Same role: In 2005, American Express Tax and Business Services was purchased by RSM McGladrey
Global Finance Manager, Business Analysis & Reporting
• Responsible for reorganization strategy, financial analytics, cost streamlining, and capital projects.
• Led the consolidation of call centers in India delivering $4M in annual savings.
• Strategized consolidation of 357 locations resulting in an annual improvement of $56M.
PUBLICIS/HAL RINEY ADVERTISING, Chicago, IL 2000 – 2001
Regional office of a Global French-based advertising agency with $20M in annual client billings
Regional Financial Manager
AMERICAN MEDICAL ASSOCIATION, Chicago, IL 1988 – 2000
World’s largest physicians trade association and publisher of Journal of the American Medical Association.
Director, Publishing Financial Operations 1999 – 2000
Financial Business Manager, Book Publishing 1994 – 1999
Senior Financial Analyst 1988 – 1994
EDUCATION & CERTIFICATIONS & VOLUNTEER
Thunderbird School of Int’l Mgmt, Glendale, AZ, MBA, International Business/Finance
Illinois State University, Normal IL, B.S. with Honors, Political Science
Deming Association Certification, Lean Six Sigma Green Belt Trained, Naperville, IL
Jewish Employment Network Volunteer – Mentoring and coaching job hunters since 2008
Junior Achievement Volunteer – Teaching finance to intercity students