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Our Team 2017-07-16T10:59:01+00:00

MUSA Auto Finance’s leadership team brings in-depth experience in auto finance, leasing, regulatory compliance, credit analysis, customer service, sales and sales management. Each member of our team is committed to bringing our customers the best possible leasing products, continuously improving our services and offerings, and adhering to our core values of honesty, integrity, transparency, innovation, reliability and respect.

Our Team

Jeff A. Morgan – CEO 2017-04-13T15:45:04+00:00

MUSA Auto Finance was founded by Jeff Morgan, an entrepreneur and business owner. Morgan is the CEO of MUSA Companies, MUSA Auto Finance’s parent company, and also serves as CEO for Mortgages USA and Internet Auto Group. Prior to forming MUSA Auto Finance, Morgan was the managing director at one of the largest direct-to-consumer leasing companies in North America.

Cinde Perales – Chief Compliance Officer 2017-10-13T18:59:18+00:00

Cinde Perales brings more than 30 years of experience in auto finance to MUSA Auto Finance. Before joining MUSA, she served as Senior Vice President of Compliance & Licensing for Exeter Finance Corp, National Funding Operations Leader for Sixth Gear Solutions, and Executive Vice President of Loan Services for GM Financial. Ms. Perales holds a Bachelor’s Degree in Accounting from The University of Texas at Arlington.

Mini Hwang – SVP Technology and Risk Management 2017-10-13T18:57:51+00:00

Mini Hwang is SVP of Technology and Risk Management.  Ms. Hwang has over 15 years of experience in the auto finance industry.  Before joining MUSA, she served as VP of Information Technology at Wheels Financial Group and AVP, Information Technology Business Process Architecture at Exeter Finance Corp.  She also spent eight years at Santander Consumer USA and WFS Financial (now Wells Fargo) where she held various roles in Technology and Servicing.  Ms. Hwang holds a MS in Technology Management from Columbia University, MBA from Amberton University, and a BBA from Northwood University.

Richard Frunzi – President 2017-03-23T20:10:36+00:00

Richard Frunzi brings more than 27 years of automobile finance experience to MUSA. Before joining MUSA, Frunzi co-founded Exeter Finance Corp, an independent auto finance company headquartered in Irving, Texas and held roles as Chief Operating Officer and EVP of Originations as well as contributing as a board member.  He also brings more than 13 years of experience at GM Financial (Formerly AmeriCredit), where he served in several ascending leadership positions, including Area General Manager, Regional Vice President, and ultimately, Senior Vice President of Originations.

Scott Schondau – Chief Financial Officer 2017-03-24T02:33:45+00:00

As Chief Financial Officer at MUSA Auto Finance, Scott Schondau manages financing activities, capital sourcing, capital markets solutions, liquidity and other balance sheet concerns for the company. He brings more than 22 years of experience in finance, having served in Managing Director and similar management roles at Alex Brown, a division of Raymond James, Deutsche Bank, Guggenheim Partners, J.P. Morgan Chase, Bear, Stearns & Co. and Principal Financial Securities.

Jeff A. Morgan – CEO 2017-04-13T15:45:04+00:00

MUSA Auto Finance was founded by Jeff Morgan, an entrepreneur and business owner. Morgan is the CEO of MUSA Companies, MUSA Auto Finance’s parent company, and also serves as CEO for Mortgages USA and Internet Auto Group. Prior to forming MUSA Auto Finance, Morgan was the managing director at one of the largest direct-to-consumer leasing companies in North America.

Richard Frunzi – President 2017-03-23T20:10:36+00:00

Richard Frunzi brings more than 27 years of automobile finance experience to MUSA. Before joining MUSA, Frunzi co-founded Exeter Finance Corp, an independent auto finance company headquartered in Irving, Texas and held roles as Chief Operating Officer and EVP of Originations as well as contributing as a board member.  He also brings more than 13 years of experience at GM Financial (Formerly AmeriCredit), where he served in several ascending leadership positions, including Area General Manager, Regional Vice President, and ultimately, Senior Vice President of Originations.

Cinde Perales – Chief Compliance Officer 2017-10-13T18:59:18+00:00

Cinde Perales brings more than 30 years of experience in auto finance to MUSA Auto Finance. Before joining MUSA, she served as Senior Vice President of Compliance & Licensing for Exeter Finance Corp, National Funding Operations Leader for Sixth Gear Solutions, and Executive Vice President of Loan Services for GM Financial. Ms. Perales holds a Bachelor’s Degree in Accounting from The University of Texas at Arlington.

Mini Hwang – SVP Technology and Risk Management 2017-10-13T18:57:51+00:00

Mini Hwang is SVP of Technology and Risk Management.  Ms. Hwang has over 15 years of experience in the auto finance industry.  Before joining MUSA, she served as VP of Information Technology at Wheels Financial Group and AVP, Information Technology Business Process Architecture at Exeter Finance Corp.  She also spent eight years at Santander Consumer USA and WFS Financial (now Wells Fargo) where she held various roles in Technology and Servicing.  Ms. Hwang holds a MS in Technology Management from Columbia University, MBA from Amberton University, and a BBA from Northwood University.

Scott Schondau – Chief Financial Officer 2017-03-24T02:33:45+00:00

As Chief Financial Officer at MUSA Auto Finance, Scott Schondau manages financing activities, capital sourcing, capital markets solutions, liquidity and other balance sheet concerns for the company. He brings more than 22 years of experience in finance, having served in Managing Director and similar management roles at Alex Brown, a division of Raymond James, Deutsche Bank, Guggenheim Partners, J.P. Morgan Chase, Bear, Stearns & Co. and Principal Financial Securities.