Our Team

Denise leads business and client relations at Cost Reduction Solutions. Her experience managing major account teams for a $5.2B publicly held office equipment solutions firm laid the foundation for CRS’s client-first culture. She has helped grow our customer base by 75% over the past decade, serving more than 180 commercial lenders.

Denise plays a leading role in the lending community. She serves on the Women’s Committee and “40 Under 40” Committee at the National Secured Finance Network (SFN), and is an Executive Board Member for the NJ SFN Chapter. She also chairs the IFA Southeast Board and participates in the NY SFN, Garden State Credit Association, and the New Jersey Turnaround Management Association. 

Founder of the nonprofit Paulie & Pals, Denise supports families with children affected by Autism. She is a proud mother and grandmother. 

Michael brings over 45 years of experience to CRS, having held C-level roles across Fortune 500 and middle-market firms. He played a key role in building Hertz Penske’s One Way Consumer Rental division and has led businesses across manufacturing, trucking, food, apparel, metals, insurance, and finance sectors. 

He served on a publicly traded international environmental company’s board, chairing audit and compensation committees. A former member of the AICPA and NJSCPA, Michael has contributed to many financial industry organizations. 

Michael M. Albanese helped grow CRS alongside its founders. Before entering the finance industry, he worked as an analyst for the Major League Baseball Players Association. 

He is a recognized leader in the ABL space, having founded the NY Banking & Finance organization for young professionals. Michael is an SFNet “40 Under 40” awardee, former Chair of SFNet’s Yo-Pro Conference, and is currently Chairman of the NJ SFN. He graduated from Penn State and also sits on the board of Paulie & Pals. A proud father of two, he enjoys golf and backgammon.

Nunzio brings over 25 years of accounting and finance experience. He previously served as Senior Manager at Telcordia Technologies, overseeing corporate accounting, external reporting, and analysis. Nunzio also spent six years at Ernst & Young as an external auditor for high-profile clients. He holds a Bachelor of Science in Accounting from Seton Hall University’s Stillman School of Business.

With over 20 years in the ABL industry, Michael has deep experience in retail, manufacturing, and distribution. He has worked for Wells Fargo and Bank of America as Vice President, Senior Field Examiner for PNC Business Credit. 

His responsibilities included internal operations audits, loan portfolio analysis, and examiner training. Michael holds a B.B.A. in Finance from Temple University. 

Mike brings 30 years of experience, 28 of which were spent in the ABL field exam space. He was previously a Senior Vice President and Regional Field Exam Manager at PNC Business Credit, where he oversaw examiner development, scheduling, quality reviews, and risk communication with senior management. 

Mike is a current SFNet National Field Exam instructor with a BBA in Accounting from Temple University’s Fox School of Business.

Bill has over 35 years of experience in financial services risk management, specializing in Asset-Based Lending, Auto Floor Plans, Commercial Lending, and Asset Recovery. He has held senior roles, including Portfolio Manager, Director of Field Examinations, and Director of Portfolio Management and Oversight. He is a graduate of Fordham University and holds an SFNet Field Exam Certification.