Our people

Learn about our people. Check out the bios of our executives, directors, physicians, attorneys, board of directors and other leaders. Use the links below to jump to specific groups.

Corporate officers

 

Terry Miller, CPA, CFA

Terry Miller, CPA, CFA

President and Chief Executive Officer

Terry has worked at SFM for over 30 years, serving as the company’s original controller. He has since risen through the ranks, becoming Vice President of Accounting, Vice President of Finance, Senior Vice President and CFO, then Executive Vice President and Chief Operating Officer. He became President and Chief Executive Officer in November, 2018.

He is a Certified Public Accountant and holder of the Chartered Financial Analyst designation. He previously practiced with KPMG (formerly Peat, Marwick, Mitchell & Co.), the largest international independent auditing firm.

Terry serves on the Board of Directors of the Minnesota Workers’ Compensation Reinsurance Association, the Insurance Federation of Minnesota and Small Sums, a Saint Paul, Minnesota-based nonprofit. He recently was on the board of the Minneapolis Urban League. He’s also a member of the Minnesota Society of CPAs, the American Institute of CPAs, the CFA Institute and the Insurance Accounting and Systems Association.

He graduated with honors from the University of Minnesota-Duluth with a bachelor’s degree in accounting, and received a master’s degree in business administration from the University of St. Thomas.

Dave Kaiser

Dave Kaiser

Senior Vice President and Chief Operating Officer
Co-Founder, SFM Foundation

Dave joined SFM in 1992 as Senior Programmer Analyst and later held various leadership roles in the Information Systems team. He became SFM’s Chief Information Officer in 2005, after serving as VP of Information Services since 2001.

He co-founded the SFM Foundation and currently serves as the Chair of its Board of Directors. SFM Foundation provides post-secondary education scholarships to children of parents fatally or seriously injured in work-related accidents. They have committed $2.1 million dollars to support 173 scholarships since their inception in 2008.

Dave earned a bachelor's degree in computer science from Metropolitan State University in St. Paul, Minnesota. He is a member of the National Council on Compensation Insurance (NCCI) Technology Committee and a former big brother with Big Brothers Big Sisters.

Mike Happe, CPCU

Mike Happe, CPCU

Senior Vice President and Chief Marketing Officer
President, SFM Risk Solutions

Mike joined SFM in 2005. He was previously Vice President of the National Association of Mutual Insurance Companies (NAMIC) and held leadership positions at two national insurance carriers.

He is a Director of the National Workers' Compensation Reinsurance Association. Mike is an elected Councilman for the City of Minnetonka, Minnesota. He is on the board for the SFM Foundation and the Minnesota Homeownership Center. He was a Governor for the national Chartered Property Casualty Underwriters Society through 2016.

Mike is a graduate of the University of St. Thomas in St. Paul, Minnesota with bachelor’s and master's degrees in business administration, and holds a Chartered Property and Casualty Underwriter (CPCU) designation.

Steve Sandilla

Steve Sandilla

Senior Vice President, Strategic Business Operations

Steve joined SFM in 1991 as a Claims Representative and later advanced to Claims Supervisor and Large Accounts Business Manager before moving into his current role as Senior Vice President of Operations. He oversees SFM's business operations and direct profit and loss.

Steve earned a Bachelor of Science degree in communications from the University of Wisconsin–Stevens Point.

He serves on the Board of Directors for the Minnesota Safety Council.

Jody Rogers, PHR

Jody Rogers, PHR

Senior Vice President, Human Resources

Jody has been with SFM since 1991. She started in SFM’s in-house law firm and transitioned to Human Resources in 1997, eventually becoming Senior Vice President of Human Resources. She oversees the company’s Human Resources functions along with all facilities management.

She earned a Professional in Human Resource designation (PHR) from the Human Resource Certification Institute. Jody has extensive experience in talent management, leadership development, employee engagement and corporate benefits including wellness programs. As a recipient of SFM’s annual service excellence award, her leadership has helped to create and build upon a culture of service which is the cornerstone of SFM.

Jody has served as the Human Resource Committee Chair and Advisor of the American Association of State Compensation Funds (AASCIF) and as a Human Resources Committee Member of the National Association of Mutual Insurance Companies (NAMIC).

Chris Anderson

Chris Anderson

Vice President, Chief Financial Officer

Chris joined SFM in 1995 as a Staff Accountant and was promoted to Corporate Controller and Director of Finance in 2013. He was promoted to Vice President, Chief Financial Officer in 2018. He oversees the Finance team and is responsible for financial and regulatory reporting, budgeting and annual financial audits.

Prior to joining SFM he held accounting positions at Mendakota Country Club and NordicTrack.

He received his bachelor's degree in accounting from Concordia College in Moorhead, Minnesota. He is an inactive certified public accountant.

Amanda Aponte, FCAS, MAAA

Amanda Aponte, FCAS, MAAA

Vice President, Chief Risk Officer

Amanda joined SFM as an Actuarial Intern in 2007. She worked as an Actuarial Analyst / Actuary from 2008 until 2016 when she was promoted to Director of Analytics. She was promoted to Vice President, Chief Risk Officer in 2018.

As an actuary, she is involved in SFM’s reserve analyses, ratemaking and pricing, reinsurance selection and investment planning. She also oversees the Analytics Team, which provides business intelligence reporting to the organization.

Amanda graduated summa cum laude from the University of St. Thomas in St. Paul, Minnesota with a Bachelor of Science degree in actuarial science and a minor in mathematics. She earned her Fellow of the Casualty Actuarial Society (FCAS) designation in 2013.

She is a member of the Casualty Actuarial Society, American Academy of Actuaries (MAAA), Minnesota Workers’ Compensation Insurer Association (MWCIA) Actuarial Committee, Workers’ Compensation Reinsurance Association (WCRA) Actuarial Committee.

Brian Bent, CPCU

Brian Bent, CPCU

Vice President, Director of Underwriting

Brian joined SFM in 2006 as Director of Underwriting and was promoted to Vice President, Director of Underwriting in 2010.

He is responsible for setting enterprise-wide underwriting and policy servicing direction and has regulatory compliance responsibilities. Brian also oversees the loss prevention technical function and premium audit operations at SFM.

Brian is a graduate of Brigham Young University in Provo, Utah, and received his Master’s of Science degree from Central Missouri State University in Warrensburg, Missouri. He earned an Associate in Risk Management and has a Chartered Property Casualty Underwriter designation.

He serves on the board of the Minnesota Workers' Compensation Insurers Association.

Kathy Bray

Kathy Bray

Vice President, General Counsel and Secretary

Kathy joined SFM Companies in 2007, originally as Senior Defense Counsel within SFM’s in-house law firm Lynn, Scharfenberg & Hollick. She also served as SFM’s Corporate Counsel since 2016 and was promoted to her current role as Vice President and General Counsel in 2019. 

Before joining SFM, she spent over 15 years in private practice, advising employers in workers’ compensation and employment matters, including disputes that involved ADA, FMLA and other discrimination litigation.

Kathy is on the Board of Directors of the Minnesota Insurance Guaranty Association (MIGA), and is a member of the WCRI (Workers Compensation Research Institute) Minnesota Advisory Committee. She has been a Mediator and Arbitrator for Minnesota’s Union Construction Workers' Compensation Program, and continues to be a frequent speaker at continuing legal education programs and related industry conferences.

Kathy graduated cum laude from the University of Minnesota Law School and has her undergraduate degree in business from the University of Denver. 

Andy Gebhard

Andy Gebhard

Vice President, Communications

Andy joined SFM in 2007 as a Senior Web Developer. He later became Director of Communications and Social Media and was promoted to his current role as Vice President of Communications in 2016. He held positions in communications and information services at a variety of Twin Cities companies prior to joining SFM.

He previously served as chair of both the American Association of State Compensation Insurance Funds Communications and Information Technology Committees.

Andy earned a Bachelor of Arts degree in English from Wartburg College in Waverly, Iowa.

Chad Hagedorn

Chad Hagedorn

Vice President, Chief Information Officer

Chad started at SFM in 2003 as a Systems Administrator and advanced to various leadership roles within the Information Services team. He became Director of Information Services in 2016 and was promoted to his current role as Vice President, Chief Information Officer in 2019.

He previously worked at Chart Industries as a Systems Administrator managing 13 sites worldwide with a small team of others.

Chad earned a Bachelor of Science degree in Business / Information Technology from the University of Phoenix.

Meg Kasting, JD

Meg Kasting, JD

Vice President, Claims

Meg has been with SFM since 1990. She previously worked as a Claims Manager and Supervisor before becoming Vice President of Claims.

She is responsible for all aspects of SFM’s claims operations, including regulatory, financial and quality oversight.

She serves on the WCRA Members Services Committee, Minnesota Rehabilitation Review Panel and is a member of the Minnesota Workers’ Compensation Insurer’s Task Force and Minnesota Claim Managers Association.

Meg received a Bachelor of Arts degree from Indiana University and graduated from Hamline Law School. She was admitted to the Minnesota Bar in 1984.

Directors and subsidiary leadership

Stacie Goodrich, M.A., OTR/L, CDMS, QRC

Stacie Goodrich, M.A., OTR/L, CDMS, QRC

President and Chief Operating Officer, CompRehab, Inc.

Stacie became President and Chief Operating Officer of CompRehab, Inc. an SFM company, in January 2019. She joined CompRehab in 2001 as a Qualified Rehabilitation Consultant.

She is a graduate of the College of St. Scholastica with a Master of Arts degree in occupational therapy and a Bachelor of Arts degree in health sciences. She has 18 years of experience providing vocational rehabilitation services, medical case management services, and ergonomic workstation evaluations. She performs ergonomic training and workstation evaluations in both office and industrial settings. She is skilled in performing detailed job analyses and job coaching services. Prior to joining CompRehab, Stacie worked as an occupational therapist in an inpatient rehabilitation setting where treatment focused on post-operative orthopedic therapies, evaluation of physical capabilities, and discharge planning. She has additional experience as an occupational therapist in an elementary school setting.

Stacie is a member of the Minnesota Association of Rehabilitation Providers (MARP) and is an approved rehabilitation provider in the Exclusive Rehabilitation Consultant Network for the Union Construction Workers’ Compensation Program (UCWCP). She focuses her case work on removing an injured worker’s barriers to returning to work, and enjoys the collaborative process of working with all parties in facilitating an appropriate and successful return to work for employees.

 

John Hollick, JD

John Hollick, JD

Chief Defense Counsel, Lynn, Scharfenberg & Hollick

John joined SFM Companies in 1989 as a Law Clerk and later advanced to Defense Counsel and Senior Defense Counsel. He has over 26 years of experience in workers' compensation defense. He has been Chief Defense Counsel since 2013 and oversees Lynn, Scharfenberg and Hollick, SFM’s in-house legal team of attorneys.

He is a member of the Minnesota State Bar Association and serves on the Legal Committee of the American Association of State Compensation Insurance Funds. He was also accepted to the Minnesota Chamber of Commerce’s Leadership Minnesota program.

John is a graduate of the University of Minnesota School of Management and graduated cum laude from William Mitchell College of Law in St. Paul, Minnesota.

 

Ceil Jung, RN, BSN, CCM

Ceil Jung, RN, BSN, CCM

Director of Medical Services

Ceil has been with SFM since 2013. She is responsible for managing the Medical Services team which includes telephonic medical case management audits and resource, nurse drug review program, medical vendor management, and SFM's consulting physicians. She also coordinates the occupational medicine resident rotations at SFM and in-services on medical topics and issues.

She received a Bachelor of Science in nursing from the University of Texas Health Science Center at San Antonio, Texas. She has been a Certified Case Manager since 2000.

Ceil is a member of the Insurance Rehabilitation Study Group (IRSG) and serves on the Medical Issues Committee and Research and Standards Committee for the International Association of Industrial Accident Boards and Commissions (IAIABC).

Debra Mattson

Debra Mattson

Business Manager, SFM Risk Solutions

Debra has been with SFM Companies since 1987 and held various claims, underwriting and leadership roles before becoming Business Manager of SFM Risk Solutions’ third-party administration business. She is responsible for the leadership and development of the TPA business which includes managing existing account services, new business development, and overseeing TPA claims staff.

She serves on the Board of Directors for the Minnesota Employers Workers’ Compensation Alliance and is an associate member. She is also an associate member of the Minnesota Chapter Risk and insurance Management Society and Iowa Self-Insurers Association, and member of the Minnesota Claim Managers Association and Professional Insurance Women.

Debra earned a bachelor’s degree in criminal justice from Metropolitan State University in St. Paul, Minnesota, and is a licensed Independent Casualty Adjuster with the State of Minnesota.

 

Mark Stinson

Mark Stinson

President and Chief Executive Officer, Barrier Free Access

Mark has been with Barrier Free Access, Inc. (BFA) since 1991 and SFM Companies since 2016.

He has over 30 years of business and construction experience. Mark cofounded BFA in 1991 as a division of a small family-owned company and has developed it into a regional firm providing expert services and solutions to safely enhance the lives of patients and caregivers throughout the continuum of care. BFA became a subsidiary of SFM Risk Solutions on June 30, 2016.

While previously serving on the Board of Directors for both the Rochester Area Builders and Habitat for Humanity, Mark led the quick build of a new Habitat home over the course of two weekends with hundreds of volunteers and donated products and services.

Mark earned a Bachelor of Arts degree in business administration and minor in construction management from Minnesota State University, Mankato.

 

Physician advisors

 

Beth Baker, MD, MPH, FACOEM, FACMT C-MRO

Beth Baker, MD, MPH, FACOEM, FACMT C-MRO

Medical Consultant

Dr. Baker has been a Medical Consultant with SFM Companies since 2001. She earned her medical degree from the University of Minnesota and is board certified in occupational medicine and internal medicine.

She was a Staff Physician at the HealthPartners Occupational Medicine Residency for 18 years and was a prior Residency Director.

She is an Adjunct Assistant Professor at the University of Minnesota School of Public Health.

She received the Minnesota Medical Association's Presidents Award in 2014 and the Central States Occupational and Environmental Medicine Service National Leadership Award in 2018.

Dr. Baker is President and Founder of Medical and Toxicology Consulting Services, Ltd., and has served as a Consultant for SFM, 3M, Canadian Pacific Railway, University of Minnesota Employee Health Services and Fairview Employee Health Services. 

She is the Chair of the Medical Services Review Board (MSRB) at the Minnesota Department of Labor and Industry and a Director of the American Board of Preventive Medicine. She is a Fellow of the American College of Occupational and Environmental Medicine and the American College of Medical Toxicology. She is also the President Elect of the American College of Occupational and Environmental Medicine (ACOEM).

Dan Janiga, MD, MPH, FACOEM, FAAFP, C-MRO

Dan Janiga, MD, MPH, FACOEM, FAAFP, C-MRO

Medical Consultant

Dr. Janiga joined SFM Companies in 1987 and he currently serves as a Medical Consultant. He is also the Medical Director of Federal Cartridge and nVent and President and CEO of Occupational Health Consultants of Minnesota, Inc.

He is a graduate of the University of Illinois Medical School and is board certified in occupational and environmental medicine.

Dr. Janiga has extensive experience in workers' compensation and disability management as well as a Medical Review Officer. He is a member of the American College of Occupational and Environmental Medicine, Central States Occupational and Environmental Medicine Association, and the American Academy of Family Physicians. He is a Preceptor in the HealthPartners Occupational and Environmental Medicine Residency, and a Fellow in the American Academy of Family Physicians and American College of Occupational and Environmental Medicine.

 

Anne Reiner, MD, MPH

Anne Reiner, MD, MPH

Medical Consultant

Dr. Reiner has been a Medical Consultant with SFM Companies since 2014.

She is a graduate of the University of Minnesota Medical School and received her master’s degree in public health from the University of Minnesota School of Public Health. She completed a residency in occupational medicine from HealthPartners in Saint Paul, Minnesota and is board certified in occupational medicine.

Dr. Reiner is a member of the American College of Occupational and Environmental Medicine and the American Academy of Preventive Medicine.

 

Lynn, Scharfenberg & Hollick attorneys

 

John Hollick, JD

John Hollick, JD

Chief Defense Counsel

John joined SFM Companies in 1989 as a Law Clerk and later advanced to Defense Counsel and Senior Defense Counsel. He has over 26 years of experience in workers' compensation defense. He has been Chief Defense Counsel since 2013. In this role he oversees Lynn, Scharfenberg & Hollick's in-house legal team attorneys.

He is a member of the Minnesota State Bar Association and serves on the Legal Committee of the American Association of State Compensation Insurance Funds. He was also accepted to the Minnesota Chamber of Commerce’s Leadership Minnesota program.

John is a graduate of the University of Minnesota School of Management and graduated cum laude from William Mitchell College of Law in St. Paul, Minnesota.

 

Steve Scharfenberg, JD

Steve Scharfenberg, JD

Assistant Chief Defense Counsel

Steve joined SFM Companies in 1989 and has been practicing solely in the area of workers’ compensation for 22 years.

He graduated from William Mitchell College of Law in St. Paul, Minnesota. He is admitted to practice in the State of Minnesota as well as Wisconsin, and he handles all Wisconsin workers' compensation litigation on behalf of SFM.

 

Cheryl Bowsfield, JD

Cheryl Bowsfield, JD

Senior Defense Counsel

Cheryl joined SFM Companies in 1998. Prior to that, she clerked for Judge Michael Sovis in the 10th Judicial District located in Hastings, Minnesota and then went into private practice in workers' compensation insurance defense.

In addition to Minnesota workers' compensation law, Cheryl also specializes in workers' comp law in Nebraska and South Dakota and assists SFM Claims Representatives with legal questions in those states.

Cheryl graduated from William Mitchell College of Law in St. Paul, Minnesota. She is admitted to practice in the State of Minnesota and assists in all areas of workers’ compensation.

 

Tom Davern, JD

Tom Davern, JD

Senior Defense Counsel

Tom joined SFM Companies in 2006. Prior to that he practiced for six years in Florida before returning to Minnesota in 2006.

He worked for an insurance defense firm in Miami, Florida and specialized in motor vehicle accident litigation and fraud investigation. Tom is still admitted to practice in the State of Florida as well as Minnesota. In addition to defending workers’ compensation claims with LSH, Tom handles subrogation claims and is the attorney representative of SFM's Special Investigations team.

He graduated from St. Thomas University School of Law in 2000.

 

Beth Giebel, JD

Beth Giebel, JD

Senior Defense Counsel and Director of Legal Training

Beth joined SFM Companies in 1999. She facilitates all legal training on behalf of SFM and presents at various workers' compensation and employment law seminars throughout the region.

She graduated from William Mitchell College of Law in St. Paul, Minnesota, and has practiced exclusively in the area of workers’ compensation defense.

 

Sarah Hunter, JD

Sarah Hunter, JD

Defense Counsel

Sarah joined SFM in 2018 as Defense Counsel representing SFM and its policyholders in Minnesota workers’ compensation litigation. Before joining SFM she practiced exclusively in workers’ compensation defense for 11 years in private practice.

Sarah graduated from Hamline University School of Law and is admitted to practice in the State of Minnesota.

Peter Lindquist, JD

Peter Lindquist, JD

Defense Counsel

Peter joined SFM Companies in 2018. Prior to coming to LSH, he practiced for four years in the areas of workers’ compensation defense, general civil litigation, and employment law. He is an active member of the Minnesota Employers Workers’ Compensation Alliance and the Minnesota Defense Lawyers’ Association’s workers’ compensation and amicus curiae committees.

Peter is a graduate of Gustavus Adolphus College and received his J.D. from William Mitchell (now Mitchell-Hamline) School of Law in St. Paul. He is licensed to practice in Minnesota.

Aaron Schmidt, JD

Aaron Schmidt, JD

Defense Counsel

Aaron joined SFM Companies in 2015. Prior to coming to LSH, he clerked for Judge Toddrick Barnette in the 4th Judicial District in Minneapolis, Minnesota and then practiced in the areas of workers' compensation, general liability, and construction insurance defense at private firms.

He graduated from Hamline University School of Law in St. Paul, Minnesota, and is admitted to practice in the State of Minnesota.

 

Jessica Stoeckman, JD

Jessica Stoeckman, JD

Defense Counsel

Jessica joined SFM Companies in 2006 as a Claims Representative and moved on to a variety of other roles including Special Investigator and Legal Intern before being promoted to her current position as Defense Counsel for Lynn, Scharfenberg & Hollick in 2013.

She is active in Minnesota Defense Lawyers Association, Minnesota Women Lawyers and the New Lawyers Section of the Minnesota State Bar Association. She has done pro bono work in taxation and family law, and also held legal research positions for Hamline University and a local bus company.

Jessica is a graduate of St. Cloud State University and Hamline University School of Law in St. Paul. She is admitted to practice law in the State of Minnesota.

 

Board of directors

Robert S. Mars III

Robert S. Mars III

Chairperson

Bob Mars of Eden Prairie, Minnesota, has been on the SFM Board of Directors since 2002. He is the President of Mars Supply. He also serves on the board for the Minnesota Precision Manufacturing Association, Noper Foundation and Supplyforce Inc.

He received his bachelor’s degree in political science and economics from Brown University.

 

Kent D. Dixon

Kent D. Dixon

Board Vice Chairperson; Investment Committee Chair

Kent Dixon of Buffalo, Minnesota, has been on the SFM Board of Directors since 2009. He is the President of Jerry’s Enterprises based in Edina, Minnesota, which has been an SFM policyholder since 1986.

He received bachelor’s degrees in business administration and accounting from Minnesota State University, Mankato.

 

Mary Ann Blade

Mary Ann Blade

Audit Committee Chair

Mary Ann Blade of Plymouth, Minnesota, has been on the SFM Board of Directors since 2008. She is a former Chief Executive Officer of the Minnesota Visiting Nurse Agency (MVNA), a position she held from 1990 until her retirement in 2011. The MVNA is the largest public health nursing agency in Minnesota.

She was also the President of the Hospice of the Twin Cities, and was on the Membership Committee of the Visiting Nurse Associations of America. She is the author of "Risk Taking in Joint Ventures," which addresses the relationships between the public sector and non-profit corporations.

She received her Bachelor of Science degree in nursing with a minor in psychology from Wayne State University in Detroit, Michigan.

 

Harald E. Borrmann

Harald E. Borrmann

Director

Harald Borrmann of St. Paul, Minnesota, has been on the SFM Board of Directors since 2016. He is President and Chair of Catholic United Financial and has been an SFM policyholder since 1987. He is also the Board Chair for the Catholic United Financial Credit Union, Board President of the Catholic United Financial Foundation, and Board Chair of the American Fraternal Alliance.

He received his bachelor’s degree in marketing and finance from the University of Minnesota's Carlson School of Business.

 

Karen M. Holt

Karen M. Holt

Director

Karen Holt is the President and Chief Executive Officer of Wilson-McShane Corporation in Bloomington, Minnesota. She has been with Wilson-McShane since 2006 and held the position of President and Chief Operating Officer from 2010 to 2018. She was recently named President and Chief Executive Officer.

Karen is a proven leader with over thirty years of expertise in the benefits field and third-party administration industry. Her experience entails strategic planning and implementation, executive leadership experience, client retention and client satisfaction management, a deep understanding of business operations as well as management and oversight skills in a dynamic environment while driving growth and providing excellent customer service.

Prior to joining Wilson-McShane, she held a Director of Employee Benefits position with Berkley Risk Administrators Company; and was also Vice President with Comprehensive Care Services.

 

Robert F. McIntyre, MBA, ARM, CPCU

Robert F. McIntyre, MBA, ARM, CPCU

Director

Rob McIntyre of Menomonee Falls, Wisconsin, joined the SFM Board of Directors in May of 2017. He is presently a Sales Executive for The Horton Group, based in Waukesha, Wisconsin. Rob was formerly the Branch President of Horton-Wisconsin, relinquishing those duties to return to sales after thirteen years in executive leadership.

He received his bachelor’s degree in business management from Northern Michigan University and master’s degree in business administration from University of Wisconsin-Oshkosh. He currently holds ARM and CPCU designations and formerly earned CIC and CRM designations. Rob has been a member of multiple advisory boards, including SFM's Agent Advisory Council.

 

Terry Miller, CPA, CFA

Terry Miller, CPA, CFA

Director

Terry Miller of Eagan, Minnesota, has worked at SFM for over 30 years, serving as the company’s original controller. He has since risen through the ranks, becoming Vice President of Accounting, Vice President of Finance, Senior Vice President and CFO, then Executive Vice President and Chief Operating Officer. He became President and Chief Executive Officer in November, 2018.

He serves on the Board of Directors of the Minnesota Workers’ Compensation Reinsurance Association, the Insurance Federation of Minnesota and Small Sums, a Saint Paul, Minnesota-based nonprofit. He recently was on the board of the Minneapolis Urban League. He’s also a member of the Minnesota Society of CPAs, the American Institute of CPAs, the CFA Institute and the Insurance Accounting and Systems Association.

He graduated with honors from the University of Minnesota-Duluth with a bachelor’s degree in accounting, and received a master’s degree in business administration from the University of St. Thomas.