About CSG | Advisors

Bill Breslin

Bill is currently founder and CEO of Whenonah consulting, an independent consulting firm that provides senior level guidance to the financial services industry. Bill is a highly experienced senior executive strongly orientated to mission, people and results. Proven skills in strategy development, planning, organizational restructuring, process reengineering, and employee motivation. He has an impressive record of creative solutions to complex business problems involving process and/or technology.

Bill was previously COO of TriServ, an independent, community-based company established in anticipation of providing access to health care services to 2.9 million TRICARE beneficiaries in the South Region.

Prior to TriServ, Bill spent nine years as the Senior Vice President of Claims at USAA. Highlights from his USAA experience include:

  • Reducing Loss Adjustment Expense Ratio from 20.2% to 10.1%.
  • Leading the reorganization from seven regional offices and nineteen satellite offices to seven Regional offices for $40M in savings.
  • Creating a Shared Services Operation for Total Loss, Salvage and Subrogation. Improving Severity and increasing recoveries from 13.8% to 21.5% in Subrogation and 8.1% to 16.0% in Salvage.
  • Renegotiating third party supplier contracts for $26M in savings.
  • Obtaining the J.D. Power #1 Claim Service Provider every year as leader and being rated #1 Service Provider in all industries by Business Week February, 2007 and 2008

In addition to his experience at USAA, Bill was a senior claims executive with GE Financial Assurance and Prudential P&C. Bill has a Bachelor of Arts from St. Bernard College and has participated in executive programs at Darden and Wharton.


Michael J. Krahe, Ph.D.

In addition to his affiliation with the CSG, Dr. Michael J. Krahe is currently the founder and CEO of The Academy of Clinical Sleep Disorders Dentistry located in Carefree, Arizona. The ACSDD trains and certifies dentists in the treatment of sleep apnea and related sleep disorders with oral appliances. He is also the founder and CEO of Transformational Alliances, LLC a business strategy and human resources consulting firm also located in Carefree, Arizona. Michael holds a Ph.D. in Organizational Administration from SUNY Buffalo and a M.S. in counseling and B.A. from Gannon University. He has a long career in the Insurance industry having worked for ERIE Insurance Group, a Fortune 400 company for 22 years in various capacities. Michael served in numerous roles including oversight of all Human Resources functions as Senior Vice President and then as Executive Vice President of Human Development & Leadership. In that capacity, he served as one the top six corporate executives creating and overseeing corporate strategy, enterprise transformation, and human capital initiatives.

Michael has considerable experience in management and leadership development, succession planning, Board of Director development, strategy implementation and innovation. During his tenure ERIE Insurance Group secured numerous awards for outstanding customer service including the J.D. Power and Associates Award. Key accomplishments include the following:

  • Launched succession planning and senior level talent development programs that ensured the company had the skilled talent to meet changing business needs.

  • Created and implemented first-time Strategy Management Office function to guide strategy, operational planning, and measurement of success delivering increased execution and reduced cost.

  • Served as executive liaison to three board committees: Strategy, Technology, and Executive Compensation and Development.

  • Designed and implemented a successful Enterprise Transformation Map that moved the organization from its current performance level to its future performance level.

  • Established a short and long-term strategic and business intelligence function that provided the company with a clear view of roadblocks impeding execution and desired results.

  • Launched first-time Innovation Lab that created business and technology solutions that enabled the company to stay ahead of the competitors.

  • Transitioned a 500 person IT staff from a failed legacy system overhaul effort to a new approach that focused on providing a platform that could meet short and long term business needs.

  • Successfully led the transition of the Human Resources function to a strategic enterprise transformation capability model resulting in a more responsive workforce aligned to strategic objectives and strengthening organizational performance.

  • Launched the company’s first succession planning, talent management, executive coaching, and 360 Feedback Process.


Luther Branham

Luther Branham has an extensive career in the financial services industry. He has significant experience in banking, lending. product management, operations, merger/ acquisition, and risk management. Additionally, he has started several companies to include a real estate brokerage firm as well as a commercial development company. Culminating that career he worked for USAA, a Fortune 200 diversified financial services company, as a SVP in Banking Services, where he and his team received numerous consumer awards for excellent customer service as well as individual patents for innovative designed products and services. While in that position, he oversaw all consumer banking functions while growing the organization from 10B to over 40B in assets.

Prior to that role, Luther was in progressively increasing leadership positions at Bank One Corporation as well as it predecessor organization Valley National Corporation of Arizona. While in that capacity he successfully launched a national finance company operating in over 25 states and was responsible for all aspects of management of the organization.

He graduated with an AA degree from New Mexico Military Institute and a BA from New Mexico State University with a dual major in Business and Political Science. He is a recent graduate of the Graduate School of Retail Banking at the Darden School/ University of Virginia. He has held a real estate broker and commercial insurance license.

Recognized as a Distinguished Military Graduate, he was commissioned in the Army, serving as an Air Defense Artillery officer with a combined service of over 12 years to his country. He has been actively engaged in his community and is a recent participant in the Master’s Leadership Program of Bexar County which prepares graduate with board and leadership positions and other volunteer activities. He serves on the board of ACCIONTexas, the largest micro-lender in the country and is on the finance committee of the KIPP Aspire Academy, an award winning charter school in San Antonio.


Jeff Austin

Dr. Jeff Austin is currently President of Austin & Associates, an international firm that specializes in leadership and management development, strategy, and team effectiveness. Prior to that, Jeff was SVP for People at The Scooter Store. Jeff was responsible for Human Resources, Learning and Organizational Development, Employee Relations and Corporate Operations for this mid-sized company that was on the Inc 500 fastest growing company list for 5 straight years as well as Fortune 100 Best Companies to Work For list. He also set up one of the most successful Corporate Universities in Texas.

Previous to that, Jeff was Assistant Vice President for Leadership and Organizational Development at USAA, a large financial services corporation (seven companies including a Federal Saving Bank, Property and Casualty, Real Estate, Life Insurance, Information Technology, Alliance Services, and Investment Management) headquartered in San Antonio Texas with regional offices in the United States and Europe. At USAA, he was responsible for all leadership and management education, project management education and consultation, organizational development consulting, and all interpersonal skills development throughout the enterprise.

Prior to that, Jeff was Deputy Head of the Behavioral Sciences and Leadership Department at the United States Air Force Academy. His department included undergraduate education in psychology, organizational behavior, human factors engineering, sociology and leadership. He also spent four years at the Leadership and Management Development Center –running applied research for the Air Force’s internal organizational development organization.

He received his Ph.D. and B.A in psychology from Florida State University, and a Masters degree from University of North Dakota.


Beverley McClure

Beverley McClure is the owner of Fresh Perspectives LLC, a coaching and consulting firm for individuals, businesses, and non-profit organizations. She specializes in providing senior executives and business owners, with insights, solutions, and accountability in an engaging, results oriented, partnership approach. As one who has encountered virtually every business or personal challenge on an executive level, Beverley provides her clients with real-world perspectives, high energy, and an eye to see the potential in everyone and in every situation.

Beverley draws upon a diverse career spanning over three decades with the Fortune 200 Company, USAA, moving from forms typist to front-line manager, and ultimately to multiple senior vice president positions, including executive responsibility for leading an organization of over 5000 employees in multi-site domestic and international call centers and field claims operations, managing a budget in excess of $100 million. Her most noteworthy accomplishments were in the following areas:

  • Leadership development, where she sponsored USAA’s Executive Mentoring program. Co-developed and co-led a business and leadership training program for 1100 managers and executives.

  • Customer relationship management, where she was the senior executive sponsor for the development and implementation of CRM systems and processes supporting over 18,000 customer contact employees with a budget in excess of $30 million.

  • Marketing, as the executive responsible for prospecting, marketing, and sales teams driving acquisition and penetration results within multiple lines of business.

  • Quality management, where she led the start-up quality management organization and provided internal consulting for the enterprise on leadership, change management, quality, productivity, and process improvement.

As owner of Fresh Perspectives, she has used this expertise as a consultant and coach for CEO-level, senior officers, and their teams to drive results and eliminate barriers to performance. She’s accelerated effective on-boarding of new executives, and coached small business owners in start-up and turnaround businesses. She has also facilitated strategic planning workshops for commercial, public, and non-profit entities.

Beverley received her undergraduate degree at Texas State University and attended the Wharton Advanced Executive Education Program. She is an Associate Certified Coach (ACC) designated by the International Coach Federation (ICF) and a Certified Professional Coach and Energy Leadership Index Master Practitioner through iPEC Coaching Institute, a Fellow of the Life Management Institute (FLMI), and a Chartered Life Underwriter (CLU). Beverley is member coach with the ICF, serves as Secretary on the Board of the San Antonio Professional Coaches Association, and serves as the Vice-Chair of SAMMinistries Board of Directors.