Bachelor in Political Science, Fordham University, 1966. Master of Business Administration in Management, Fordham University, 1972.
Management trainee General Motors Corporation, New York City, 1966-1967. Sales representative Proctor and Gamble Corporation, Scarsdale, New York, 1967-1968. Officer Federal Reserve Bank of New York, New York City, 1968-1984.
Vice president New York State Bankers Associates, 1984-1985. Banking consultant American Institute of Banking, since 1984, executive director, since 1985. Board directors Mutual Healthcare Industries, New York.
Chairman board American Institute of Banking, New York, since 1986.
Member Republican Club, Matawan, New Jersey, since 1985. Served with United States Air Force, 1961-1962. Member Matawan Junior Chamber of Commerce (president 1974, Outstanding Jaycee, 1974).
Married Irene Gay Maluski, September 14, 1968. Children: Jennifer, Alison, Nicole, Michael.