Michael Flock has been involved with the credit, collections and outsourcing industries at senior levels for many years, beginning with Dun & Bradstreet and more recently as a financial advisor, investment banker, and fund manager.Michael is currently Managing Director of Flock Advisors, an M&A Advisory firm for the collections, debt buying, and outsourcing industries which he founded in 2007. In 2009, he launched the Falcon Fund to finance the purchase of debt portfolios for middle market debt buyers.Prior to 2007, Michael was an advisor to Croft & Bender, a middle market investment bank based in Atlanta. Previously, he provided M&A advisory support to private equity firms, helped companies reengineer their operations, and led a successful recapitalization of a consumer collections agency where he was interim CEO.From 1993 to 2000, Michael was President of Dun & Bradstreets Receivables Management Services subsidiary in North America. At D&B, Michael engineered a major turnaround of this division, achieving dramatic growth in revenue and profitability through broadening the product offering, improving customer focus and developing better electronic linkages with customers. (This division was subsequently spun off as RMS and is now the largest commercial receivables management company in the world.) From 1997 to 2000, Michael added the presidency of D&Bs companies in Canada, Asia-Pacific and Latin America to his responsibilities. He substantially improved profitability in these markets by transforming the business model to one based on partnerships, improved data quality and expanded product lines.Michael began his career in 1976 as a sales representative and later International Account Manager in IBMs large account division, where he was a sales leader. From IBM Michael moved to AT&T in the business communications systems division, where he held a variety of executive sales and marketing management positions.Michael grew up in Illinois and Connecticut. He attended the University of Virginia as an Echols Scholar and graduated Phi Beta Kappa with a BA in History in 1973. During his college years, he served as a White House Intern. Later he worked as a Fulbright Teaching Assistant in France and also did graduate work at the Institut dEtudes de Sciences-Politiques in Paris. He received an MBA in finance from Fordham University in 1982.Michael is sought out as a commentator on the credit, collections and debt buying industries, and often speaks at industry events.
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