Fred Kulikowski Chief Executive Officer

Mr. Kulikowski has over 25 years’ experience as a financial services industry leader and 10 as a successful investor and entrepreneur. During his 25 years in banking, he held senior positions with Citibank, M&T Bank, Commercial Federal (an $11B bank sold to Bank of the West) and CapGen Financial (a banking- focused private equity fund). In the last 10 years Mr. Kulikowski became an active investor and owner in real estate, natural resources, and technology. He earned a BS in Finance from the Wharton School of the University of Pennsylvania and an MBA from the University of Rochester.