In his leadership role at EFG Companies, Steve utilizes his extensive industry experience to provide EFG clients bottom-line results in F&I, sales and product management. Steve has developed and delivered national training for Chrysler Capital, Santander Consumer USA, Hyundai, General Motors, Ford, Mitsubishi, Volkswagen, and numerous dealer groups throughout the country. Steve also consulted for Chrysler’s Five Star initiative, where he developed their training curriculum, conducted program pilots, and certified instructors. This experience gives him strategic insight into today’s challenge of driving compliant profitability facing both dealers and lenders. Steve is an AFIP Senior Certified Professional in Financial Services, he earned his Consumer Credit Compliance Certification from the National Automotive Finance Association, and has developed compliance training modules in the areas of Adverse Action, Privacy Rule, Risk-Based Pricing/Exception Notice, Red Flag Rule, Safeguards Rule, Deceptive Practices, and Federal and State Regulations. Steve holds a Bachelor of Science in Economics from Illinois State University.