Two Conway Park, 150 North Field Drive, Suite 190, Lake Forest, IL 60045


Our Team

Colin Danley

René Stuifzand

Chief Business Development Officer

847-295 4143

The early part of his professional life, René spent with UBS Securities, first in London and later in New York, where he was responsible for the firm’s proprietary non-Dollar Fixed-Income trading in the Western Hemisphere.

The next 15 years, René spent with ING as a career-expatriate and held various senior management positions. Originally hired as Global Head of Capital Markets, his later responsibilities included Vice Chairman of ING’s International Private Bank, a global private bank with 29 offices in 24 countries, and CEO and President of ING’s banking business in the U.S. During his career René was fortunate to have been given the opportunity to live in places as diverse as London, New York, San Francisco, The Netherlands Antilles, Geneva, and Singapore.

Following his career with ING, René worked at the crossroads of insurance and capital markets. He was a co-founder of a highly successful boutique investment bank that rapidly became the premier financier for structured insurance products.

René obtained his Masters in Macro-Economics from the University of Amsterdam.

Colin Danley

Luther Grafe

SVP, Operations


Luther began his career in the property/casualty premium finance industry in the early 1990’s. Luther had roles in outside sales and internal business development over the years, but his primary focus has been on the operations side of the business.

Luther was involved in two de novo businesses within the industry. In 2005, as one of the founders of BankDirect Capital Finance, LLC, he was deeply involved in the formation of the business.

Luther is passionate about establishing and growing client relationships and is committed to ensuring that their experience is unparalleled. He settles for nothing less than operational excellence.

While Luther is newer to the life premium finance space, he is excited about learning its nuances and looking to incorporate his operational best practices into this segment of the business.

Luther participates in various insurance related associations and has been an active member of the National Premium Finance Association.  Luther holds a Bachelor of Arts in Business Administration from Aurora University and a M.B.A. from Keller Graduate School of Management.

Colin Danley

Anne Derrenberger

AVP, Business Development

847-295 4155

Anne began her career in insurance finance with BankDirect Capital Finance in 2015. Initially focused on commercial premium finance, she transitioned to a role within the life insurance lending division in 2018.

As an Account Executive, she is responsible for underwriting and analyzing individual transaction risk, while maintaining strong, positive client relationships. With the experience gained in the front end of the business, Anne has worked her way up through the company, and now oversees the Account Executive team as an AVP of Business Development. She utilizes her communication and problem-solving skills to both mentor her team and advocate for her clients at every stage.

Anne holds a B.A. from the University of Michigan, and an MBA from DePaul University’s Kellstadt Graduate School of Business.

Colin Danley

Debbie Dalicandro

SVP, Operations


Debra began her career working in commercial premium finance in 1999.

Debra started in portfolio management, working on payment solutions with insureds and on preventing policy cancellations with agencies. After 6 years, Debra moved into the business development group as an account executive. She worked closely with sales, servicing agent relationships in New York and establishing significant growth in the territory. Her work ethic and passion for helping clients elevated her to a senior leadership position, managing a team of account executives based in Garden City, NY. Debra has also been instrumental in identifying and building business process improvements that achieve greater accuracy as well as system development enhancements that produce greater efficiency.

Debra transitioned to BankDirect Premium Funding in 2023 in a senior leadership role.  If you need something done, Debra is your person.

Colin Danley

David Fleissner

Vice President, Business Development


David began his career in the premium finance industry in 2007 at Standard Funding, where he focused on relationship building and learning all aspects of the business.

Since 2014, David has transitioned his focus into life premium finance and has worked for several banks in the industry and a private insurance agency. This experience allowed David to become proficient in multiple aspects of the business.  He currently manages a team that oversees a portfolio of loans.  David is a key “go to” guy in our business. 

David holds a degree in Management Information Systems from SUNY Old Westbury and an MBA from Molloy College.

Colin Danley

Irina Altmark

AVP, Operations


Irina began her career in commercial insurance premium finance over 20 years ago at one of the largest organizations in the industry. Starting in customer service and portfolio management she quickly transitioned into leadership positions with a focus on team training and development. She has built proficiency in preparing and analyzing department productivity, evaluating portfolios, and creating action plans to reach targets, documentation of policies and procedures to drive performance and efficiencies leading to reduction in past due balances and overall improvement in the outstanding portfolio, and working with collection vendors and attorneys to maximize recoveries on bad debt or delinquent accounts.

Seeking a new challenge, Irina accepted a position within the mortgage industry. In this role, Irina led a team in preparing and finalizing foreclosure documentation to increase the velocity and recovery of outstanding balances for multiple lending institutions.

Irina returned to the insurance premium finance industry and BankDirect Capital Finance in 2019 to help wind down an acquired portfolio of premium financed loans. Now with BankDirect Premium Funding, Irina oversees the Portfolio Management team ensuring loans are fully collateralized and reducing the overall risk within the portfolio.

Irina holds a B.S. from DePaul University.

Colin Danley

Daniel Wiley

Account Executive, Business Development


Danny has worked in Finance his entire professional career, starting as an Account Executive Assistant at JD Factors, where he focused primarily on client relationship management and general accounting. From there, he has held roles in investment operations analysis, and worked in mortgage loan operations at JP Morgan Chase, honing his abilities on the operations side of finance.

Danny joined Bank Direct Premium Funding in 2022 and works as an Account Executive and Accounting Analyst. His role focuses on communicating with clients and agents to facilitate premium funding and ensure compliance on existing loans.

Danny holds a B.S. in Economics from Northern Illinois University.

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Alissa Ramsden



Alissa began her career in premium finance with BankDirect Premium Funding in January 2023. As an Analyst, she is responsible for managing new business opportunities from initial contact through the underwriting process. Her proficiency with excel has also added value in our forecasting efforts and the development of key loan management reports.  Alissa is eager to learn more about the life business, completing a life insurance course with plans to take the test and achieve a life insurance license.

Alissa holds a B.S. in Mathematics and Economics, and an M.S. in Applied Statistics from Illinois State University.

Colin Danley

Ron Grazian

Account Executive, Business Development


Ron Grazian began his finance career at BankDirect in 2022 working in both the commercial premium finance and life insurance premium finance sectors. Ron currently works as an Account Executive, helping to build relationships with BankDirect’s clients, mitigate potential issues and to facilitate premium fundings. His adept problem-solving and critical thinking skills have earned him recognition in navigating complex challenges.

Ron holds a Bachelor’s Degree from Carthage College.

Colin Danley

Shantal Ortega



Shantal began her finance journey as a portfolio manager for the McCoy College of Business endowment overseeing the consumer staples and international sectors. She then joined Texas Capital Bank as a Bank Analyst where she completed a rotational program covering projects in the private wealth and investment banking departments.

After completing her analyst program, Shantal transitioned to BankDirect as an Analyst, where she evaluated the procedures across all commercial and life premium financing roles with the intention to implement faster solutions. Shantal currently oversees the company’s pricing and profitability and facilitates the company’s business reporting.

Shantal holds a BBA in Finance from Texas State University.