Rick Michalek is a consultant to PF2. He has worked in structured finance since graduating from Columbia University with a joint graduate degree in law (honors) and business (JD/MBA) in 1993. Rick began as a structured finance associate in the New York office of the law firm Skadden Arps, after which he consulted for the pre-eminent New Zealand law firm Chapman Tripp. Returning to the U.S. in 1999, Rick worked until December 2007 in Moody's Derivatives Group, where as a Senior Credit Officer his responsibilities included analyzing novel legal risks associated with new products and developing a methodology for rating collateral managers. Since leaving Moody's he has provided legal and financing services primarily through RJM Consulting.

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