Our Leadership

Jim Greenwood founded AFS to meet the commercial lending needs of the banking industry. Since that time, he has led AFS to become the dominant provider of commercial lending systems. AFS continues to exceed the needs for commercial lending by providing the world’s only real-time API and workflow-enabled software solution accommodating all types of lending on a single platform. He is a recognized leader and visionary in the world of commercial lending.

Jim received his B.S. Degree from Lebanon Valley College and his M.B.A. from the Wharton School of the University of Pennsylvania.

Rick Bare is responsible for the overall strategic direction, growth, and all other aspects of AFS. Additionally, he advises and supports the AFS Chairman and the Board on activities and initiatives.

He joined AFS in 2001 as the Chief Financial Officer and has held multiple positions, including General Manager for the AFS fully managed private cloud offering, AFSVision Hosted Private Cloud (HPC). Under his direction, AFSVision HPC, has grown into the nations largest real-time, straight-through commercial lending delivery mechanism for the industry.

Prior to joining AFS, Rick served as Chief Financial Officer at two financial services technology firms, where he developed and implemented long-term strategic plans and utilized strategic acquisitions to expand product offerings and market share. Rick also spent seven years with Big 4 accounting and consulting firm Pricewaterhouse Coopers, where in the role of manager he was responsible for delivering services to a diverse client base.

Rick earned a B.S. in accounting with highest distinction from the Pennsylvania State University and a MBA with concentration in MIS from Villanova University.

Melissa Hofer is responsible for the overall strategic product direction, development, conversion, and operational activities for AFS. In this role, she manages a staff of 200 professionals; her responsibilities also include revenue generation, business development, sales support, and expense management. As a member of the Executive Committee, she works with the AFS CEO and Chairman on strategy and execution.
 
Melissa has worked extensively with the AFSVision® commercial lending solution and played an integral role in bringing AFSVision to life through product implementation, process changes, adoption, testing, and training.
 
Melissa joined AFS in 1989 and has held multiple positions, including most recently the Chief Product Officer and an executive sponsor for several AFS clients, including orchestrating multiple migrations from AFS Level III™ to AFSVision in the market.
 
Before joining AFS, Melissa worked in the banking industry in the areas of credit and loan review, as well as commercial loan operations. She earned a B.A. in Accounting from Wittenberg University, an MBA from Villanova University, and is a graduate of the Wharton-RMA Executive Risk Management Program at the Wharton School of the University of Pennsylvania.

Rad Laney is responsible for the AFS Technology Services Group overseeing the Company’s IT organization, including AFSVision Hosted Private Cloud (HPC), our private cloud and fully managed service offering of AFSVision. With a team of 70 professionals, he ensures that AFS delivers for our customers using innovative technology and programs while creating a competitive advantage for the company. Additionally, Rad plays a key leadership role in the company’s strategic technology initiatives, operational process optimization, and sales support.
 
Rad joined AFS in 2019 as the Managing Director of Technology Services where he led AFSVision’s cloud implementation and containerization projects. His expertise includes technology strategy, system implementation, service delivery, operational excellence, devops, cybersecurity, and cloud services.
 
Prior to AFS, Rad spent 25+ years in the global financial technology, primarily with large international financial institutions. He earned a B.S. in Physics from Emory University, an M.S. in Electrical Engineering from Georgia Institute of Technology and a S.M. in Management of Technology from Massachusetts Institute of Technology.

 

 

 

 

John. Dubil’s responsibilities include managing the overall architecture and product development of AFSVision^® with a team of more than 80 professionals, spanning system analysts, enterprise/solution architects, and developers. Additionally, John's team is responsible for product implementation, specializing in business process/workflow automation and real-time system integration. As part of the AFS Senior Management team, John directs the AFS Software Development Lifecycle Steering Committee, which is responsible for setting process definition, standards, and governance. 
 
John joined AFS in 1995 and has held multiple positions, including Managing Director of the AFS Java Application Development Group. His expertise includes system/solution architecture, IT Project Management, and application development under variety of programming languages and operating platforms. 
 
Prior to joining AFS, John was Manager of Consumer Loan Information Systems Development for a mid-sized savings and loan. His responsibilities centered on workflow, task automation, and efficiency improvement as well as providing technical direction/support in the development of business systems, software and procedures. John attended Drexel University where he received his degree in computer science.

Stacey Baldyga is the Chief Administrative Officer and is a member of the company’s Executive Management Committee. In this role she is responsible for the company’s risk, audit, security, and legal functions. She provides oversight of sound policies and procedures governing risk and security, including strategy, operations and processes, third-party risk assessments, as well as all legal concerns and contracts. As a member of the Executive Management Committee, Ms. Baldyga supports the AFS CEO and Chairman on implementing the company’s strategic plan. 

Additionally, since 2022 Stacey serves as a member of the AFS Board of Directors. As a member of the board, Stacey provides mission-based leadership and strategic governance for the organization. The Board of Directors is responsible for approving the company’s annual budget, as well as reviewing all audit reports, regulatory reports of examination, and  other materials to make strategic business decisions.

Stacey has been a critical member of the AFSVision commercial lending solution team, lending her expertise to its growth by chairing the product development committee as well as strategic planning in product release management, process changes, and client adoption. She has been an integral part of leading multiple client implementations of AFSVision. 

Stacey joined AFS in 1989 starting initially with AFS Level III business support. She moved to development and implementation of the workflow applications and real-time integrations helping to launch the first of many client implementations and adoption. She led a team of business analysts in the product development area while still working on implementations and release strategies. Stacey is passionate about contributing to creating standards and efficiencies in support and implementations.  

Stacey had interned at AFS and worked in sales briefly. She earned a B.A. from the University of Richmond Robins School of Business.

As Chief Information Security and Risk Officer, Mike Hoffman ensures synergy among the Company’s security and risk strategy, operations, and oversees both the security, risk and audit functions. Mike joined AFS in 2016 and brings more than 28 years’ experience in information security, information technology, creating and managing innovative security solutions that bridge technology and business goals to provide results-driven, secure solutions. Mike has a strong track record in developing and enhancing enterprise security and risk management strategies, effectively building trust and assurance among clients and partners.

Mike is a seasoned expert in enterprise security and risk management, with a diverse skill set that includes advanced infrastructure and security architecture, robust IS control implementation, vulnerability management, cloud security, data protection, and emerging technology risks making him a comprehensive and forward-thinking cybersecurity leader.

Mike holds the Certified Information Security Manager (CISM), Certified Data Privacy Solutions Engineer (CDPSE) and Certified Risk and Information Systems Control (CRISC) ISACA certifications. He earned a Master of Business Administration from the University of Delaware and a Bachelor of Science, Management Information Systems from Goldey-Beacom College.

Amy is responsible for overseeing all fiscal matters for AFS including budgeting and forecasting, strategic planning, management reporting, accounting policies, controls, and procedures, as well as the Project Management Office. Amy joined AFS in 2020 as the Accounting Manager and moved into the Controller role in 2021.  She was promoted to CFO in 2024. 

Amy is a Certified Public Accountant with over 17 years of experience in various roles in public and private accounting. She is well versed in GAAP financial reporting; entity‐level taxation; business consulting; systems implementation; financial management and analysis; job costing; and accounting procedures and controls. 

Amy earned a Bachelor of Science Degree in Business Administration, Concentration in Accounting, with honors, from Millersville University. 

Bill joined AFS in 2016 as the Head of Syndications and Capital Markets, where he was responsible for aligning the overall business content and planning for AFS syndications and capital markets solutions with the business requirements and needs of our clients, prospects, and the overall industry.
 
As the Head of Global Sales, Bill is responsible for client relationships, business development, and sales globally. His focus is on the success and growth of the AFS existing client base, as well as leading business development activities in new market areas and client segments.
 
Bill has more than 45 years of experience in helping financial institutions leverage technology to mitigate risk, reduce costs, and drive revenue growth. Prior to joining AFS, Bill was a Business Development and Sales executive for FIS/ACBS, heading up global front-office sales and business development, and a Treasury and Capital Markets executive at Fidelity/First Fidelity.
 
Bill holds degrees from The Wharton School of the University of Pennsylvania.

 

Dean Snyder is responsible for overall strategic sales support efforts for AFS. In this role, he directs teams that manage product demonstrations and presentations, Discovery and Needs Assessment studies, industry research, and AFS marketing and communications. He is responsible for oversight and guidance of the AFSVision^® Advisory Council, a client-centric forum to help guide future AFSVision development and services. Dean also leads the AFSVision Capital Markets business team. Additionally, he is an executive sponsor for multiple client relationships, ensuring customer success and satisfaction. A member of the Executive Committee, Dean works with the AFS CEO, Chairman, and the committee on strategy and execution for AFS.
 
Dean joined AFS in 1987 and has held a principal role in the business requirements and functional design of AFSVision. Additionally, he has led several major AFS product development efforts over the past 30 years, including commercial lending, commercial real estate, retail lending, asset-based lending, dealer floor plan, and syndications.
 
Prior to joining AFS, Dean led the Commercial Loan Operations and Systems Support group at First National Bank of Maryland for the implementation of AFS Level III^™. Dean also worked for Dun & Bradstreet in various positions, including Senior Credit Analyst, Regional Sales Representative, and Regional Business Relations Manager. He earned a B.S. in Business Administration and Small Business from Virginia Polytechnic Institute and State University (Virginia Tech).

Ray Turner oversees the AFS Client Services group, which encompasses all client-facing activities and project work across various critical areas, including AFSVision Conversion, System Administration, Workflow, Real-Time Integrations, APIs, Servicing, Extracts, Customer Success Management, AFS Customer 1st, and Change Control Requests.

Ray’s primary focus is ongoing client support for AFSVision implementation projects, upgrades and post production. As a member of both the AFS Management Committee and Operating Committee, Ray plays a crucial role in shaping the company’s strategic direction.

Since joining AFS in 2002 as a Senior Business Analyst, Ray has taken on multiple roles that have contributed to his comprehensive understanding of the business, leading many of the Company’s largest and most complex AFSVision implementation projects.

Prior to his tenure at AFS, Ray gained valuable experience in the financial services industry, focusing on software development and implementation for Profitability and Customer Relationship Management (CRM) solutions.

Ray holds a B.S. in Computer Information Systems from Drexel University.

As Managing Director of Human Resources and HIPAA Privacy Officer, Jeanne Anderson is responsible for providing strategic direction and leadership for all aspects of the human resources function. This includes partnering with the AFS strategic business units, leadership and career development, diversity, employee relations, recruiting, compensation, benefits, and payroll. She has played a key role in initiatives to define the company’s cultural values and increase employee and company engagement. Jeanne has also been a key stakeholder in the opening of our office in Brussels to ensure compliance with Belgium law. 

As HIPAA Privacy Officer, Jeanne manages the policies and procedures pertaining to the access and use of protected health information (PHI), ensuring strict compliance by all personnel having access to PHI. In addition, she evaluates the methods and procedures used to retain and transfer PHI, detects security or other compliance risks, and advises modifications based on research.

A seasoned human resource professional, Jeanne has been with AFS for over 40 years and has provided leadership in overseeing Human Resources for the past 26 years. Jeanne has earned the sHRBP certification from Human Capital Institute as well as the SHRM-CP from the Society of Human Resource Management.

Bruce Herndon is responsible for the performance of the annual business and information technology enterprise risk assessments, directs internal audits, oversees annual SOC report preparation and coordinates internal and external vendor management for the organization.  
 
Bruce joined AFS in 2006 and has over 25 years experience in the audit and oversight of information technology and security controls in financial service organizations.
 
Bruce’s prior roles have included Information Technology Audit Director at two Fortune 500 Insurance companies and seven years’ experience at two “Big 4” public accounting firms. He holds the industry certifications of Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM) and Certified Data Privacy Solutions Engineer (CDPSE).
 
Bruce received his Bachelor of Science degree in Business Administration from Widener University in Chester, PA.

Doug has responsibility for corporate strategic planning, business intelligence, and regulatory relations. He serves on the Management Committee and chairs the company’s Operating Committee. The AFS Business Intelligence division provides market-leading solutions for portfolio reporting and credit risk management. Doug leads product management and sales support for the AFS peer benchmarking programs including the RMA/AFS Credit Risk Navigator and the AFS Pricing Dashboard.

Prior to joining AFS, Doug worked for the Federal Reserve. Doug received his bachelor’s and M.B.A. degrees from The Pennsylvania State University, University Park, PA, and a diploma from The BAI Graduate Schools of Banking in Madison, WI. Doug has also completed the RMA/Wharton Advanced Risk Management Executive Education Program at the Wharton School – University of Pennsylvania, Philadelphia, PA.

Erica Brickus is the Director of Human Resources and the AFS Diversity, Equity, and Inclusion (DEI) officer. In the DEI capacity, Erica manages the company-wide initiative to develop and promote a diverse workplace through the development and implementation of all DEI initiatives. She is responsible for the ongoing campaign to recruit, hire, and sustain a diverse workplace by designing company policies that reinforce AFS values and dedication to supporting DEI, including training hiring managers and HR staff on how to select, manage, evaluate, and retain diverse employees. She is also in charge of initial and ongoing training programs to educate employees on all kinds of harassment and protected minority groups. 

As the Director of Human Resources, Erica is responsible for leading and managing activities to support the HRIS, payroll, benefits and employee engagement processes. She also oversees the daily office operations to ensure effective and efficient management. 

Erica joined AFS in 1996 as an HR Assistant and has held various roles within Human Resources throughout her tenure.