The document provides an overview of The J.G. Wentworth Company, including its business segments, leadership, financial performance, and strategic initiatives. It discusses the company's focus on structured settlements, home lending, and prepaid cards. Key highlights include record loan volumes and adjusted EBITDA in home lending, efforts to improve structured settlements operations, and new product launches in prepaid cards. Biographies of the CEO and leadership team are also provided.
Bragg Gaming Group is a next generation gaming group with cutting-edge technology, leading brands and world-class management expertise, developing into a global gaming force. Formed by a team of gaming industry experts, Bragg's main portfolio asset is ORYX Gaming, an innovative business-to-business gaming technology platform and casino content aggregator. Through this brand and targeted acquisitions, Bragg is focused on becoming a leader within the evolving global gaming industry.
DeFi Technologies builds and manages assets in the rapidly emerging decentralized financial market, providing institutional and retail investors easy access to previously unseen returns through innovative projects and groundbreaking protocols that are fundamentally reshaping the global financial system.
Bragg Gaming Group is a next generation gaming group with cutting-edge technology, leading brands and world-class management expertise, developing into a global gaming force. Formed by a team of gaming industry experts, Bragg's main portfolio asset is ORYX Gaming, an innovative business-to-business gaming technology platform and casino content aggregator. Through this brand and targeted acquisitions, Bragg is focused on becoming a leader within the evolving global gaming industry.
Bragg Gaming Group is a next generation gaming group with cutting-edge technology, leading brands and world-class management expertise, developing into a global gaming force. Formed by a team of gaming industry experts, Bragg's main portfolio asset is ORYX Gaming, an innovative business-to-business gaming technology platform and casino content aggregator. Through this brand and targeted acquisitions, Bragg is focused on becoming a leader within the evolving global gaming industry.
DeFi Technologies builds and manages assets in the rapidly emerging decentralized financial market, providing institutional and retail investors easy access to previously unseen returns through innovative projects and groundbreaking protocols that are fundamentally reshaping the global financial system.
Bragg Gaming Group is a next generation gaming group with cutting-edge technology, leading brands and world-class management expertise, developing into a global gaming force. Formed by a team of gaming industry experts, Bragg's main portfolio asset is ORYX Gaming, an innovative business-to-business gaming technology platform and casino content aggregator. Through this brand and targeted acquisitions, Bragg is focused on becoming a leader within the evolving global gaming industry.
ECR Europe Forum '05. Category Management in a limited data environment. Intr...ECR Community
Category Management in a limited data environment:
Category Management has been one of the most successful ECR tools over the past decade. At its core is what can be labour-intensive collation of accurate consumer information from many different data sources. But what if some data is missing? Learn how to maximize the benefits of Category Management in a limited data environment.
Automotive Technology Vendors Per Primary Product Category (US/CA)Stefan Drechsel
Infographic about Automotive Technology Vendors (US/CA) including service providers for DMS, Human Capital Management, Business Intelligence, Data Management, Auto CRM/ILM, Equity Mining, Websites and Digital Marketing, Internet Leads, Inventory Management Solutions, Call Management, Messaging and Chat, Desking, F&I Menu, Accessories and Aftermarket, Service Scheduling, Service Lane, Key Systems, Document Management, Rental and Loaner, Parts Management, Repair Order and Shop Workflow systems.
How to Develop a Quarterly Business ReviewGainsight
The most successful Enterprise SaaS companies know that growing revenue only through new customer acquisition is the less efficient way to scale. Rather, they understand that growing revenue within your existing customer base - through up-sells, cross-sells, and expanded use - is the most profitable way to scale.
In fact, Enterprise SaaS companies that grow revenue - and company valuation - by expanding revenue within their existing customer base also know the key to making this work is to focus on - and operationalize - Customer Success.
This presentation - How to Develop a Quarterly Business Review - is from Pulse 2014, the biggest Customer Success industry event ever and included panelists from Gild, Box, Zuora, Workday
This is a Quarterly Business Review Template to be used by Customer Success Management organizations.
One of the most important activities your Customer Success Managers (CSMs) will perform is the Quarterly Business Review (QBR).
QBRs are sometimes known by different names – Business Reviews or Executive Business Reviews – but no matter what they’re called, they’re incredibly important and the agenda and flow are largely going to fall on the CSM, so it’s critical to help them prepare for, and perform QBRs, the right way.
The most successful Enterprise SaaS companies know that growing revenue only through new customer acquisition is the less efficient way to scale. Rather, they understand that growing revenue within your existing customer base - through up-sells, cross-sells, and expanded use - is the most profitable way to scale.
In fact, Enterprise SaaS companies that grow revenue - and company valuation - by expanding revenue within their existing customer base also know the key to making this work is to focus on - and operationalize - Customer Success.
Use this Quarterly Business Review template to help engage your customer in a meaningful dialogue about their success using your product. Specifically designed for SaaS providers, this QBR template has all the slides you need to summarize your customer's use of your product and tie that back to their overall goals. The template is easily customized and has everything you need from the agenda to goal setting, outstanding items, tracking against metrics, health scores, activity scores and even NPS scores.
At Pathway Health, we are committed to delivering personalized care to help improve a patients’ quality of life. We strive to provide patients with timely access to personalized treatment plans using advanced and clinically-proven solutions to achieve the best outcomes.
Signature Bank Results Presentation DeckMarch 2023.pdfBryann Alexandros
Signature Bank was a bank that did business in New York City and other states. It had $110.4 billion in assets and $82.6 billion in deposits by the end of 2022. It used to have offices only in New York City. In the late 2010s, it started to grow and offer more services, but it was most known for its 2018 decision to work with the cryptocurrency industry. By 2021, cryptocurrency businesses had 30 percent of its deposits. Banking officials in New York shut down the bank on March 12, 2023, two days after Silicon Valley Bank (SVB) went broke. After SVB went broke and because Silvergate Bank, another cryptocurrency-friendly bank, went broke earlier in the week, scared customers took out more than $10 billion in deposits. It was the third-biggest bank failure in U.S. history. On March 19, a week after the bank shut down, the FDIC sold the new bank, most of its deposits, and its 40 offices to New York Community Bancorp to be part of its Flagstar Bank part. Some $4 billion in digital money banking deposits and $60 billion in loans were not part of the deal.
Pathway Health is an integrated healthcare company that provides advanced products and services to patients suffering from chronic pain and related conditions. The Company owns and operates nine community-based clinics across four provinces where its team of health professionals work together to help patients through a variety of evidence-based approaches and products, including medical cannabis. Pathway's patient care programs utilize an interdisciplinary approach that is guided by trained pain specialists, physical and occupational therapists, psychologists, nurses, and other healthcare providers. Pathway is also the leading provider of medical cannabis services in Canada and has established itself as the collaboration partner with national and regional pharmacy companies for the delivery of medical cannabis services to their customers. The Company is working with several pharmacy companies on the development of Cannabis Health Products (CHPs) for OTC distribution through retail pharmacy locations across the country following anticipated changes to the Cannabis Act.
Hempacco Co, Inc. is Disrupting Tobacco™ and its nearly $1 trillion industry by manufacturing and selling herb and hemp smokables from San Diego, California. Through its own brands and joint venture businesses, the Company has launched various brands and products, including The Real Stuff, Hemp Hop with rapper Rick Ross, and Cheech & Chong's Hemp Smokables.
Hempacco also provides full-service private label herb and hemp smokables product development, manufacturing, and logistics and owns 600 vending machines to sell its brands. Hempacco is Disrupting Tobacco as it executes its mission to become the most recognized name in herb and hemp smokable products globally.
Pathway Health is one of the largest providers of out-of-hospital pain management services in Canada. We own and operate nine community-based clinics across four provinces where our team of health professionals work together to help patients by using a variety of evidence-based approaches.
2. SAFE HARBOR
2
Certain statements in this press release constitute "forward-looking statements." All statements, other than statements of historical fact, are forward-looking
statements. You can identify such statements because they contain words such as ''plans,'' ''expects'' or ''does expect,'' ''budget,'' ''forecasts,'' ''anticipates'' or ''does
not anticipate,'' ''believes,'' ''intends,'' and similar expressions or statements that certain actions, events or results ''may,'' ''could,'' ''would,'' ''might,'' or ''will,'' be
taken, occur or be achieved. Any statements that refer to expectations or other characterizations of future events, circumstances or results are forward-looking
statements.
A number of factors could cause actual results, performance or achievements to differ materially from the results expressed or implied in the forward-looking
statements. These factors should be considered carefully and readers should not place undue reliance on the forward-looking statements. Forward-looking
statements necessarily involve significant known and unknown risks, assumptions and uncertainties that may cause our actual results, performance and
opportunities in future periods to differ materially from those expressed or implied by such forward-looking statements. Consideration should also be given to
the areas of risk set forth under the heading "Risk Factors" in our filings with the Securities and Exchange Commission, and as set forth more fully under
"Part 1, Item 1A. Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2015, as updated by "Part II, Item 1A. Risk Factors" in our
Quarterly Report on Form 10-Q for the quarter ended June 30, 2016 as previously filed with the SEC and Quarterly Report on Form 10-Q for the quarter
ended September 30, 2016 as previously filed with the SEC. These risks and uncertainties include, among other things: our ability to execute on our business
strategy; our ability to successfully compete in the industries in which we operate; our dependence on the effectiveness of direct response marketing; our ability
to retain and attract qualified senior management; any improper use of or failure to protect the personally identifiable information of past, current and
prospective customers to which we have access; our ability to upgrade and integrate our operational and financial information systems, maintain uninterrupted
access to such systems and adapt to technological changes in the industries in which we operate; our dependence on third parties, including our ability to
maintain relationships with such third parties and our potential exposure to liability for the actions of such third parties; damage to our reputation and increased
regulation of our industries which could result from unfavorable press reports about our business model; the accuracy of the estimates and assumptions of our
financial models; infringement of our trademarks or service marks; our ability to maintain our state licenses or obtain new licenses in new markets; changes in,
and our ability to comply with, any applicable federal, state and local laws and regulations governing us, including any applicable federal consumer financial
laws enforced by the Consumer Financial Protection Bureau; our business model being susceptible to litigation; our ability to continue to purchase structured
settlement payments and other financial assets; the public disclosure of the identities and information of structured settlement holders maintained in our
proprietary database; our dependence on the opinions of certain credit rating agencies of the credit quality of our securitizations; our ability to complete future
securitizations, other financings or sales on favorable terms; the insolvency of a material number of structured settlement issuers; adverse changes in the
residential mortgage lending and real estate markets, including any increases in defaults or delinquencies, especially in geographic areas where our loans are
concentrated; our ability to grow our loan origination volume, acquire mortgage servicing rights, or MSRs, and recapture loans that are refinanced; changes in
the guidelines of government-sponsored entities, or GSEs, or any discontinuation of, or significant reduction in, the operation of GSEs; potential
misrepresentations by borrowers, counterparties and other third parties; changes in prevailing interest rates and our ability to mitigate interest rate risk through
hedging strategies; our ability to obtain sufficient working capital at attractive rates or obtain sufficient capital to meet the financing requirements of our
business; our ability to remain in compliance with the terms of our substantial indebtedness and to refinance our term debt; our ability to raise additional capital
as a result of our Class A common stock now being traded on the OTCQX® Market; and our ability to meet the ongoing eligibility standards of the OTCQX®
Market.
Except for our ongoing obligations to disclose material information under the federal securities laws, we undertake no obligation to publicly revise any forward-
looking statements, to report events or to report the occurrence of unanticipated events unless we are required to do so by law.
4. BRAND DESCRIPTION
Offerings – Structured Settlements, Annuities, Home Lending, Prepaid, and access to
Personal Lending
Target Audience – Various consumer groups nationwide
Positioning – Price Leader with Efficient, Courteous Service
Offerings – Structured Settlements, Annuities, and Lotteries
Target Audience – Individuals, Attorneys, Financial Professionals
Positioning – Friendly, High Touch Service
COMPANY OVERVIEW
4
The J.G. Wentworth Company (the “Company”) is focused on providing direct-to-consumer access to financing solutions through a
variety of avenues, including: mortgage lending and refinancing, structured settlement, annuity and lottery payment purchasing,
prepaid cards, and access to providers of personal loans. Through the J.G. Wentworth, Peachtree Financial Solutions, and Olive
Branch Funding brands, the Company is the leading purchaser of structured settlement payments
Business model is based on the simple premise that obligations, backed by strong investment-grade insurance companies, can be
purchased at a discount to deliver strong economics while also providing compelling benefits to the customer
The Company markets two distinct, leading brands: JG Wentworth (“JGW”) and Peachtree
In July 2011, The J.G. Wentworth Company, LLC was formed to hold both JGW and Peachtree, creating significant strategic
value as the companies maintained highly complementary product offerings with minimal customer overlap and the ability to
realize significant synergies
On July 31, 2015, the Company closed the acquisition of WestStar Mortgage, Inc. (“WestStar”)
WestStar was a privately-held residential mortgage company that specializes in originating Conventional, VA and FHA loans,
licensed to operate in 40 states and the District of Columbia
5. LEVERAGE KEY STRENGTHS TO EVOLVE COMPANY
5
= Business Line
= Capabilities
Home
Lending
Personal
Lending
Structured
Settlements Prepaid
Operational
Efficiencies
Information
Data
Analysis
Funding
Platform
Digital
Capabilities
National
Brand
Direct to
Consumer
6. COMPANY HIGHLIGHTS
6
Executing against key priorities:
Continued focus on improving Structured Settlements
Grow Home Lending and gain market share
Launch our Prepaid initiatives
Cash generation
Residual asset refinancing
Executed 2016-1 securitization in October
Segment
Adjusted EBITDA*
Q4
2015
Q1
2016
Q2
2016
Q3
2016
Home Lending $0.7M $6.3M $8.0M $9.4M
Structured Settlements $2.2M $1.7M $3.0M $4.6M
* This presentation includes Segment Adjusted EBITDA, which we use as a measure of our segments' operating performance. We report Segment Adjusted EBITDA because our Chief
Operating Decision Maker ("CODM"), as that term is defined in Accounting Standards Codification 280 - Segment Reporting ("ASC 280"), uses Segment Adjusted EBITDA to evaluate our
segments' performance. Not all companies calculate Segment Adjusted EBITDA in the same fashion and, therefore, these amounts as presented may not be comparable to other similarly
titled measures of other companies.
7. 7
Cash and cash equivalents at 9/30/2016 increased $49.1M from 6/30/2016
On 8/19/2016, completed the pre-funding of the direct asset sale
Generated net cash proceeds of approximately $20.1M
On 9/2/2016, completed the refinancing of the residual asset transaction
Generated net cash proceeds of approximately $65.9M
On 10/26/2016, completed the initial close of our 2016-1 securitization
Generated net cash proceeds of approximately $16.5M
(in Millions) Q2 2016 Q3 2016
Total Cash
Balance
$37.6M $86.7M
CASH BALANCE
9. Initial Structured Settlement Creation
A structured settlement is a contractual agreement to settle a tort
claim involving physical injury, illness, or workers’ compensation
whereby a claimant is compensated for damages through a series
of payments over time
Typically arises from an out-of-court negotiated settlement
To fund the settlement obligations the defendant, typically
an insurance company, purchases a single premium
annuity from a life insurance company
The full amount of each periodic payment is excludable
from the recipient’s income
Increases aggregate dollar payments to the claimant while
minimizing upfront capital commitment from the
insurance company
Subsequent Sale by Structured Settlement Holder
9
STRUCTURED SETTLEMENTS OVERVIEW
All sales of structured settlement payment streams are need-based
and provide liquidity when circumstances prompt re-assessment
of financial needs
Sales of structured settlement payments make economic sense for
many customers – providing a lower rate compared to alternatives
Credit cards on average charge between 15%–25%,
compared to 8%–14% discount rates for structured
settlements
Sale of an asset provides liquidity without creating a
repayment obligation
Out of court negotiation of amount and
terms of compensation for damages
1
Annuity
Provider
Claimant
Defendant’s
Insurance
Provider
23
Purchase of annuity
to defease obligation
to claimant
Compensation paid to
claimant through
annuity 1) Source: Based on a random sample of 584 JG Wentworth transactions.
Debt Repayment / Pay Bills 36%
Housing-Related 31%
Transportation 7%
Education 6%
Miscellaneous 6%
Health Care 5%
Major Purchase 4%
Child Care 3%
Business-Related 3%
ILLUSTRATIVE USE OF PROCEEDS 1
10. STRUCTURED SETTLEMENTS FOCUS
Segment profitability
Stabilizing volumes through an emphasis of pipeline conversion rates
Strong expense management
Marketing optimization
Sustained efficiencies
Targeted and optimal database marketing
Favorable economics for transaction financing
10
11. FINANCING ACTIVITIES
11
Residual Asset Transaction
Issued $207.5M in notes collateralized by the residual interests related to 36
securitizations
⁻ Proceeds were used to repay the previous residual term facility’s $131.4M in
outstanding debt and associated legal/broker fees
⁻ Transaction resulted in net cash proceeds of $65.9M for the Company
2016-1 ABS Transaction
On October 19, 2016, the Company priced its $117.3M Series 2016-1 securitization
⁻ First ABS transaction in 2016
⁻ Previous two deals in 1H-2016 were direct asset sales
Strong demand (1.6x over-subscribed)
13. HOME LENDING OVERVIEW
13
Acquired Home Lending in July 2015
Traditional home mortgage lender
- Purchase
- Refi
- Conventional
- Government
Multi-channel distribution network
- Affiliate
- Distributed retail
- Direct-to-Consumer
Licensed to operate in 40 states and District of Columbia
(Top three states: VA, CA, TX)
- Multi-channel distribution network with 95% consumer
satisfaction rating, based on recent Lending Tree survey
- 2013 Costco Mortgage Services’ Operational Excellence Award
- 2014 Costco Mortgage Services’ Lender of the Year Award
- 2015 Costco Mortgage Services’ Operational Excellence Award
Large
Market
New
Direct
Channel
Limited
Balance Sheet
Risk
HOME
LENDING
Gain
Share
Product
Mix
16. PREPAID AS A DIFFERENTIATOR FOR STRUCTURED SETTLEMENTS
16
Early signs of success in the Structured Settlements
Launched welcome email for GPR enrollments
Utilizing reloadable incentive across customer journey
from contract to court date
17. PRIVATE & CONFIDENTIAL
PREPAID UPDATE
17
New Mexico Lottery combined gift card and scratch-off product launch
The J.G. Wentworth Company® and New Mexico
Lottery Authority Partnership Brings Virtual Gift Card
Innovation to Scratch-Off Lottery Category
The J.G. Wentworth Company® announced a coalition
with the New Mexico Lottery Authority that offers a new
product in the retail market that combines both a virtual
Visa® prepaid gift card and a Scratcher in one offering.
The J.G. Wentworth Give Some! Play Some!™ Visa Gift
Card will allow consumers to give a guaranteed gift, while
providing the recipient a chance to win an additional cash
prize through a scratch-off lottery ticket. The New Mexico
Lottery Authority will be the first to seamlessly integrate
this combination product into their offerings, and in turn,
will drive retailers to embrace incremental store placement.
The Scratcher is available for purchase
in New Mexico Lottery retailers now.
News Release Details
18. PRIVATE & CONFIDENTIAL
PREPAID UPDATE
18
Winstreak agreements successfully executed to enable go-to-market
The J.G. Wentworth Company® Brings the Next
Generation of Loyalty to Casinos, Fantasy Sports, and
iGaming with WinStreak Visa® Prepaid Card
The J.G. Wentworth Company® announced the launch of
the WinStreak Visa® Prepaid Card initiative, in association
with a new payment platform from FIS™, a global leader in
financial services technology. WinStreak allows casinos,
iGaming, and fantasy sports operators to issue payouts on a
prepaid card, while providing gaming operators with a more
streamlined, dynamic tool for engaging consumers. A first-
of-its-kind product, the card is designed to provide
consumers with secure access to winnings and to extend the
value and excitement of the gaming experience through an
integrated mobile gaming application.
News Release Details
20. LEADERSHIP BIOS
20
Stewart A. Stockdale, Chief Executive Officer and Director
Mr. Stockdale has served as Chief Executive Officer and Director of The J.G. Wentworth Company since July 2014. He is responsible for the
company’s vision, strategic planning, and business growth. He is also responsible for overall fiscal management. Prior to joining the Company, Mr.
Stockdale served as an Executive Partner at Summit Partners, a global growth equity investor. Previously, Mr. Stockdale was President, Global
Consumer Financial Services ("GCFS") for The Western Union Company, a segment that represented approximately 90% of the company’s revenues.
GCFS consists of Western Union’s Money Transfer and Consumer Payments businesses across five global regions (North America, Latin America &
Caribbean, Europe & CIS, Middle East Africa, and Asia Pacific). Prior to joining Western Union, Mr. Stockdale served as President of Simon Brand
Ventures and as Chief Marketing Officer of Simon Property Group, a global leader in the retail real estate industry. At Simon, he was responsible for all
Marketing and Consumer Venture businesses within the company. Prior to Simon, Mr. Stockdale held senior positions with multinational companies
including Conseco, MasterCard Worldwide, American Express and Procter & Gamble. Mr. Stockdale holds a Bachelor of Science in Business
Administration in marketing from the University of Denver and completed The Executive Program at the University of Virginia’s Darden Graduate
School of Business Administration.
Roger O. Gasper, Executive Vice President and Chief Financial Officer
Mr. Gasper serves as our Executive Vice President and Chief Finance Officer, a position he has held since August, 2016. Over the past three years, Mr.
Gasper has led the accounting and controllership teams, and has been instrumental in developing the accounting systems and procedures in support of
the company's growth to over $4 billion in securitized assets and diversification into the mortgage, personal and business lending and prepaid card
industries. Prior to joining us in April 2013, he served as the President of Finance and Accounting at Ricerca Biosciences from 2011 to 2013. Prior to
these engagements, he held corporate finance and accounting leadership positions at Nordion, MDS Pharma Services and Unisys. Mr. Gasper also spent
11 years at Ernst & Young. Mr. Gasper holds a Bachelor’s degree from Drexel University – LeBow College of Business.
Stephen A. Kirkwood, Executive Vice President, Chief Legal Officer and Corporate Secretary
Mr. Kirkwood serves as our Executive Vice President, Chief Legal Officer and Corporate Secretary, a position he has held since 2012. He joined the
Peachtree family of companies in March 1999. Mr. Kirkwood was responsible for the legal matters involving or relating to the Peachtree family of
companies, and since the merger with Peachtree companies in July 2011, Mr. Kirkwood has continued to manage legal matters for us. He graduated
from Union College in 1992 with a Bachelor of Science degree and received his law degree from Albany Law School.
Greg Schneider, Executive Vice President, Chief Information Officer
As Executive Vice President and Chief Information Officer, Mr. Schneider is responsible for technology, information architecture, data infrastructure,
analytics, modeling, and privacy management. Prior to joining the company in August 2014, Mr. Schneider held several leadership positions in
consumer and financial services businesses, including Western Union, Simon Property Group, Conseco, and Banc One Corporation. Mr. Schneider
holds a B.B.A with honors from Ohio University.
21. LEADERSHIP BIOS – Continued
21
John Owens, Senior Vice President and Chief Marketing Officer
As Chief Marketing Officer, Mr. Owens is responsible for the development and execution of marketing strategies and campaigns to support J.G.
Wentworth’s diversified consumer product offerings. Prior to joining the company in January 2016, Mr. Owens served as the Managing Vice President,
Head of Marketing for Capital One Bank in Wilmington, DE. Prior to that, he served as Head of Marketing for ING Direct during a period of time
where the company was recognized as Marketer of the Year. While at ING Direct, Mr. Owens also held operational roles that included Head of Retail
Lending Services, which at the time was a +$2 billion mortgage business. Expanding beyond financial services, Mr. Owens held roles with Vlasic
Foods, Mattel and Johnson & Johnson. Mr. Owens holds a Bachelor’s degree in Economics from the Wharton School of the University of Pennsylvania
and an MBA with majors in Marketing, Finance and Statistics from the J. L. Kellogg Graduate School of Management at Northwestern University.
Phil Buscemi, President, Home Lending
Mr. Buscemi serves as the President of our Home Lending Division, a position he has held since January 2016. Mr. Buscemi joined the Company as
part of the acquisition of WestStar Mortgage, Inc. (WestStar) in July 2015. In his tenure with WestStar, Mr. Buscemi held roles of SVP of Capital
Markets, Director of Capital Markets, and Chief Operating Officer. Prior to joining WestStar in 2008, Mr. Buscemi held senior leadership roles at
Union Bank and Trust, Federal Agricultural Mortgage Corporation, Mortgage Edge Corporation, Independence Financial and Perpetual Savings Bank.
Mr. Buscemi holds a Bachelor’s degree from Virginia Polytechnic Institute and State University - Pamplin College of Business and attended the
University of Delaware- Stonier Graduate School of Banking.
Bill Schwartz, Vice President, Chief Human Resources Officer
As Vice President, Chief Human Resources Officer for The J.G. Wentworth Company®, Mr. Schwartz is responsible for the company’s overall human
capital practices, policies, and operations. Prior to joining The J.G. Wentworth Company® in May 2014, Mr. Schwartz held leadership positions at
companies such as International SOS Assistance, Inc., SAP America, and PECO. He was also the head of the Law Offices of William Schwartz, a law
firm focusing on employment law matters. He holds a Juris Doctorate from Widener University School of Law, an MBA from St. Joseph’s University,
and a B.B.A. from Temple University.
Steven Sigman, Chief Operations & Administration Officer
As Chief Operations & Administration Officer, Mr. Sigman is responsible for the efficient design, delivery and execution of the Company’s operations
supporting the Structured Settlements, Home Lending, Personal Lending and Prepaid Divisions. Prior to joining The J.G. Wentworth Company® Mr.
Sigman held progressive leadership roles at Western Union, First Data Corporation and IBM. He holds a Bachelor’s of Arts in Political Science from
University of Northern Colorado and a Master’s Certificate in Project Management from George Washington University.