The EWC Team

Brad Woy ~ Founder

Joe Womack

Joe Womack ~ President

Keith Peshke

Keith Peshke ~ VP of Marketing

Rich Cuccia

Rich Cuccia ~ Legal Counsel

Ken Frisbie, Jr. ~ VP of Sales

John McAchran ~ Director of Underwriting

Melody Doyle ~ General Manager, Retail Consulting

Susan Carrero ~ Business Development, Northeast Region

Zach Hopkins ~ Divisional President, Express Restaurant Holdings

Mona Carpenter ~ President Innovative National Risk


Key Management Bios:


Brad Woy, CEO – A graduate of SMU’s Cox School of Business in 1992, Brad brings over 19 years of executive management experience to EWC. In 1995, Mr. Woy founded The Brower Group (now known as Santander Consumer), which became one of the largest sub-prime automotive lenders in the United States with a $3B+ portfolio. From 2000 – 2005, Mr. Woy worked with Accenture’s Retail Strategy Practice consulting with Fortune 500 companies such as JC Penney, Home Depot, Office Max and Toys R’ Us. After exhaustive research and consulting with business, financial and legal counsel, he launched EWC in October of 2007. Brad is married with two children, Jordan (age 11) and Hayden (age 5).


Joe Womack, President– Joe Womack, Co-Founder and President—Mr. Womack brings nearly 30 years of executive management and leadership experience to EWC. From 1989 to 2003, Joe developed and led Sun Microsystems’ business-owner sales channel—America’s Channels. Under Mr. Womack’s leadership, America’s Channels grew from $30M in annual sales to a peak of over $3.7B in 2001. Widely recognized for his strategic thinking, business acumen, leadership development, and mentoring skills, Joe earned Sun’s coveted Leadership Award in 1998. He retired from Sun in 2003 to focus on his family, develop his real estate portfolio, pursue other business interests and obtain a MABS from Dallas Theological Seminary, which he completed in 2009. One of Joe’s passions in life is to help entrepreneurs develop successful businesses, which drives his leadership philosophy at EWC. Joe and his wife Jill have been married for 28 years and have two children, Faye and Warren.


Keith Peshke, VP of Marketing – Keith graduated Cum Laude from Northwestern University in 1999. Upon graduation, he joined Accenture’s Retail Practice consulting with clients such as JC Penney, Best Buy, Toys R’ US, Lear Corporation and Dow Chemical. After four years with Accenture, Keith left the firm to pursue his MBA at Emory University in Atlanta, GA. After graduation in 2006, he did a brief stint with Johnson & Johnson before being recruited by a private equity company to manage a $45M portfolio company. Keith joined EWC in September of 2008. Keith is married with one child, Grace (age 1).


Richard Cuccia, Legal Counsel – Richard has more than 12 years of corporate legal experience working for major law firms and as in-house counsel for three companies in Dallas, Texas. Mr. Cuccia graduated from SMU in 1992 and from SMU School of Law in 1998. After Law School, he spent three years with the KPMG, as a strategy consultant in the health-care industry working with national and regional healthcare providers. Following his consulting experience, Rich served as a trial attorney with Godwin Gruber’s Dallas office for nearly 3 years. Mr. Cuccia also served as Counsel for three publicly traded companies, ranging in industries from alternative energy to building materials, from 2004 to 2009. In 2009, Mr. Cuccia started his own law firm and served small and medium sized businesses with litigation and in-house counsel needs. Rich is married with four children, Abby (age 10), Hank (age 7), Libby (age 4) and Ruby Rose (age 3).


Ken Frisbie, Jr., VP of Sales – Ken has managed sales organizations in several industries, growing companies that range from software start-up to Fortune 500 consumer products. Prior to EWC, Ken was Vice President of Business Development for Mayfair Group, Inc., a private investments group in Dallas, Texas with assets in aerospace manufacturing, commercial real estate, hospitality, and energy. There he led an aviation manufacturer out of Chapter 11 bankruptcy through market expansions in Latin America and U.S. military channels. Before Mayfair, Ken directed all marketing activities for Vertaport, Inc, a systems integration software company (now Xformity, Inc.). He began his career with Coors Brewing Company in 1994, where he managed several large sales territories until 2000, including the company’s most profitable market, North Texas. His tenure at Coors culminated in managing a market development team for the South Central U.S., a six-state area that included company headquarters.

Ken holds a B.A. in International Economics from the University of Richmond, Virginia where he studied in Japan, Costa Rica and Spain and graduated magna cum laude. For years he has served Mercy Street Dallas as a mentor for at-risk youth and has been translator for several medical missions in Latin America. He and his wife Clare are proud parents to young Jack (age 1).


John McAchran, Underwriting – John comes to Express Working Capital with over 15-years of commercial credit and underwriting experience. Beginning his commercial underwriting career at Bank of America, John spent three years specializing in underwriting small business and real estate transactions, creating underwriting practices and templates, and standardizing underwriting practices across the bank’s southwest region. He went on to spend two years as Senior Credit Officer for a $500 million community bank in New Mexico, automating and standardizing commercial underwriting, and implementing credit scoring while supervising a 15 member loan servicing and origination team. Following four years in commercial real estate lending for Washington Mutual, his experience includes two more years as Regional Credit Officer for Cardinal Health’s Southwest Region overseeing underwriting, compliance, and credit and collections activities.


Melody Doyle, General Manager, Retail Consulting – Melody has been with The Express Team for over 4 years, leading various functions and teams during her tenure including accounting and customer relations. Melody currently leads The Express Team’s Retail Consulting Division where her expertise in small business administration and proven track record of improving profitability for a wide range of merchants has translated into enhanced success for many of The Express Team’s client partners.


Susan Carrero, Business Development Consultant, Northeast Region – Susan Carrero is a vital Team Member of Express Restaurant Services. Married with two sons, a teenager and a toddler, she brings us over 20 years of hands-on experience in operational management that has developed her exceptional supervisory and motivational skills. Susan spent time managing her family’s three fine dining Italian restaurants in Philadelphia in the 80s. To expand her knowledge and reunite with the corporate world, Susan opened the very first double galley IHOP as general manager in New Jersey. Susan gained most of her high volume operational experience working six years for one of Philadelphia’s most prominent independent multi-unit operators; Rick Blatstein.

Seeking the next challenge, Susan spent time as a regional director of training for the Rainforest Café, where she endured the challenges of opening and running a $10 million operation. In 1998, she was courted to join the Lincoln Restaurant Group as a turn-around specialist. After succeeding on her very first project, Lincoln hired her as the Director of Training for Dick Clark’s, promoting her to Director of Ops within one year and VP of Ops for national accounts by her third year. Susan then helped to lead the management division for Preferred Restaurant Services (PRS) and PRMG collectively through 2004. In 2005, while assisting the PRMG team in operations, she became licensed in insurance and branched the PRS services to develop the Northeast Region. Susan’s true passion for restaurant operations is lived through servicing and consulting her clients. Her endless energy, and “Road Warrior” dedication to grow her region has aided in the rapid growth of the Northeast region. ERS is proud to service their clients in Pennsylvania, New Jersey, New York, Maryland, Connecticut, Rhode Island, Massachusetts, New Hampshire and Maine.


Zach Hopkins, Divisional President, Express Restaurant Holdings – With just over 20 years of experience in the hospitality industry, Zach brings a comprehensive set of skills to the Express Restaurant Holdings team. Zach specializes in the development of operational efficiency and accountability systems, as well as guest service and culture coaching for both management and line-level teams. The implementation of such systems and trainings has led to client results of $1 million dollars a year in net financial impact. Zach’s experience includes the gamut of the hospitality industry; including restaurant groups, independent fine-dining restaurants, corporate hotels, multi-unit golf & country club management companies, as well as large member-owned country clubs. Prior to joining the Express team, some Zach managed and consulted for companies such as Eagle Golf, Omni Hotels, N9NE Group and Gaylord Hotels & Resorts; as well as owned and operated a casual-fine dining restaurant in the DFW market. Zach lives by many mantras, but none more important than, “People don’t care how much you know, until they know how much you care.”


Mona Carpenter, President Innovative National Risk – Mona Carpenter is President of Innovative National Risk, located in Irving, Texas USA. Ms. Carpenter obtained a bachelor degree from the University of Nebraska. After college she entered the insurance industry working for an independent agency. Following a meteoric rise throughout various insurance agencies, Mona became President and founder of Marketing Systems Limited, located in Dallas, Texas. Marketing Systems Limited was established in 1986 to assist independent insurance agencies and banks develop, enhance, and modify their agencies prospecting, sales, and marketing efforts. Mona now uses her great expertise and industry knowledge to lead the team at Innovative National Risk.


Finance Team:

Carla Boone

Laura McGowen


Sales Team:

Edwyn Mercado

Eric Corcoran

Alex Laurenzi

Joseph McMahan

Robert Kahn


Operations Team:

Jonathan Campbell

Dave Hovey

Mary Beth Reinauer

Shane Green

Christine Avellanet