RICK DYE, JR. — FRACTIONAL CFO, NEW AMERICAN BUSINESS ASSOCIATION, INC.

Faith in Heart. Action in Hand. Value to Life.

Financial Stewardship, Human-Centered Leadership, and a Lifetime of Service Across Sectors

About This Publication

The New American Business Association, Inc. (NABA) — founded by Di Tran — proudly presents this official leadership profile of Rick Dye, Jr., Fractional Chief Financial Officer.

NABA operates on the founding principle of Humanization — the belief that every act of business, finance, and education must uplift and restore the dignity of human life.

Through this profile, NABA invites collaboration with individuals, institutions, and organizations that share our commitment to lawful, transparent, and compassionate systems in:

Affordable Housing Finance and Development
Workforce Development and Vocational Training
Trade Education and Apprenticeship Funding
Community Financial Literacy and Entrepreneurship Access
AI-Integrated Human Services and Compliance Education

🟢 Partner With Us

NABA and its leadership team — including Rick Dye, Jr. — welcome inquiries and partnerships from:

Government agencies, financial institutions, and nonprofits seeking co-investment or collaboration in affordable housing and workforce finance.

Educational institutions and trade schools pursuing humanized, compliant funding models.

Small-business owners and entrepreneurs seeking free business-plan evaluation, startup consultation, or community partnership opportunities.

Event organizers and civic groups inviting Rick Dye or Di Tran as panelists or speakers to advance humanization and lawful, human-service-based education.

To explore collaboration, request a consultation, or schedule a presentation:
📧 di@naba4u.org | 🌐 www.NABA4U.org

All engagement and advisory activity is non-binding, offered solely for educational and community purposes, and scheduled based on volunteer capacity and availability.

Compliance and Non-Liability Notice

NABA is a nonprofit organization operating entirely on voluntary and capacity-available participation.
All communications, consultations, and evaluations are for informational and educational purposes only and do not constitute professional, legal, or financial commitments or guarantees.
Participation in NABA-related programs or discussions indicates acknowledgment of these terms.

RICK DYE, JR. — FRACTIONAL CFO, NEW AMERICAN BUSINESS ASSOCIATION, INC.

I. PERSONAL AND PROFESSIONAL FOUNDATION

Rick Dye, Jr. brings more than five decades of financial, managerial, and civic leadership — a rare blend of banking acumen, public service, and faith-driven compassion.
Born in Pensacola, Florida (May 28, 1951), Rick’s life journey reflects service through stewardship: the belief that capital, when managed wisely, becomes a tool of dignity and opportunity.

He is married to Patti Fowlie, with three adult children and four grandchildren — a family deeply rooted in faith and community. His dual residences in Pensacola, FL and Prospect, KY position him strategically between Florida’s Gulf Coast economic corridor and Louisville’s social-enterprise and housing innovation hub — the perfect intersection for his work with NABA and APK Development & Construction.

II. EDUCATIONAL EXCELLENCE AND CONTINUOUS DEVELOPMENT

Zama American High School, Japan (1969) – Growing up and graduating abroad gave Rick early cross-cultural awareness, which later enhanced his ability to lead international business and housing projects (e.g., HTBH International, Republic of Panama).
Sophia University, Tokyo (1969–1970) – Immersion in Japan’s precision-driven business culture built his lifelong discipline for ethical management.
University of Arizona, B.S. in Business Administration, Finance (1970–1973) – Foundation of his lifelong commitment to sound fiscal governance.
University of Oklahoma, National Commercial Lending School (1993) – Deep specialization in credit analysis and loan structuring; directly applicable to his work in affordable housing finance and capital deployment for nonprofits.
Louisiana State University, Graduate School of Banking of the South (1992–1994) – Equipped Rick with executive-level strategic planning, risk management, and compliance training — critical for his role in overseeing multimillion-dollar budgets for NABA.
Florida State University, Certificate in Financial Planning (1996–1997) – Brought advanced understanding of wealth management and fiduciary standards, enabling him to design financial literacy programs for low-income communities.
Series 7, 63, 65 Licenses (1995–2011) – Represented full securities and investment authority, demonstrating his ability to integrate traditional banking with capital markets expertise.
Volunteer Chaplain, Florida Department of Corrections (2009) – Where he merged financial coaching with spiritual mentorship, helping inmates rebuild responsible lives.
Interventionist, National Association of Alcohol and Drug Dependence (2010) – Strengthened his understanding of human recovery and behavioral transformation — competencies that now guide his people-centered financial management philosophy.

Each academic credential and certification added precision, humanity, and credibility — making Rick not just a CFO, but a teacher, counselor, and bridge-builder across economic classes.

III. PROFESSIONAL EXPERIENCE AND IMPACT

A. Present Leadership Roles

Fractional Chief Financial Officer, APK Development & Construction, LLC (2023–Present)

As CFO of this minority-owned affordable housing enterprise in Louisville, Rick manages the intersection of mission and money. His oversight ensures financial transparency, lender confidence, and scalable growth. His real impact lies in integrating public-private financing tools (HUD programs, tax credits, equity partnerships) with on-the-ground development that uplifts low-income families.

Chief Volunteer, FaithWorks InterFaith Ministries Network, Inc. (2008–Present)

For over 15 years, Rick has guided this Florida-based nonprofit’s mission of creating permanent, affordable rental housing for low-wage and homeless individuals. His expertise in credit and finance enabled FaithWorks to structure projects with sustainable rent-to-income ratios, balancing compassion with fiscal discipline.
He designed and supervised the “Willing Workers Workforce Program” — an early model of workforce empowerment through community building, now studied as a best practice in human-centered housing policy.

Managing Partner, M4 Advisors Group, LLC (2009–Present)

Founder of a consulting firm built on Money, Management, Marketing, and Ministry — M4 Advisors operationalizes faith-based leadership in practical finance.
His client portfolio demonstrates the range and replicability of his financial innovation:

Bay Bank & Trust Company – Improved community banking outreach and compliance frameworks.
Bennett’s Reef, Inc. – Designed hospitality development financing models.
FaithWorks InterFaith Ministries Network – Engineered sustainable housing budgets.
Psalms 41:1–4, Inc. – Built grant accountability systems for faith missions.
HTBH International, Panama – Created energy-efficient home financing architecture.
Bay Area Sports Association – Developed youth sports funding models to support underprivileged athletes.
Restore North Florida – Integrated public funding with private capital for redevelopment.
Old World Wines, Inc. – Introduced import trade finance solutions.

Through M4 Advisors, Rick became a national example of how ethical consulting and financial stewardship can build community ecosystems.

B. Earlier Career — Corporate Banking and Finance Leadership

Regions Bank, City President (2002–2009)

Oversaw all operations for Panama City, Florida — managing credit portfolios, deposits, and loan structures across consumer and commercial sectors. Under Rick’s leadership, the branch achieved record growth while maintaining top CRA (Community Reinvestment Act) ratings. His management style emphasized mentorship, nurturing future banking leaders who carried forward his values of “profit with purpose.”

AmSouth Bank (1989–2002, multiple SVP roles)

Rick’s 13-year tenure defined him as a transformational regional banking leader. He successively served as:

Senior Vice President, Pensacola Branch Administrator
Area Marketing Manager, Northwest Florida
Pensacola City Executive
Head of Private Banking & Trust
State Marketing Director

His strategies linked high-end banking with community development — from helping entrepreneurs access capital to ensuring banking inclusion in underbanked neighborhoods. His marketing and trust leadership also laid the foundation for AmSouth’s later expansion in the Southeast.

Morgan Keegan (1995–2010)

Served as a General Securities Representative, managing investment portfolios and advising clients on ethical wealth management — skills that now empower NABA’s financial transparency and donor reporting framework.

First Mutual Savings / Sun Bank (1978–1989)

Progressed from Branch Manager to Senior Vice President of Marketing, responsible for business development and product strategy. Rick’s marketing innovations positioned Sun Bank/West Florida as a model for regional growth, combining small-town trust with metropolitan sophistication.

Gateway Inn Motel, Pensacola (Owner, 1979–1981)

An early entrepreneurial experiment in affordable lodging management, foreshadowing his later housing leadership. Rick learned the value of operational control, customer care, and asset-based business design.

Pensacola Area Chamber of Commerce (1974–1978)

As Director of Economic Development, Rick led business and industry recruitment initiatives that attracted new employers and diversified the local economy — a role that sharpened his understanding of how public and private sectors must collaborate for community uplift.

IV. COMMUNITY LEADERSHIP AND SYSTEMIC IMPACT

Rick’s civic record is unmatched — over 60+ leadership roles across Florida, Alabama, and Kentucky. Below are highlights with corresponding value impact.

Housing and Economic Development

Vice Chairman, Florida Housing Enterprise, Inc. – Guided financing strategies that made affordable housing scalable without subsidy dependency.
EB-5 Regional Employment Center Organizer – Connected international investment capital to local U.S. job creation.
Bay Area Partnership for Affordable Housing (Founding Member) – Promoted mixed-income housing models.
Restore North Florida, Inc. – Oversaw post-disaster housing restoration through blended funding.

Faith-Based and Social Ministries

President, FaithWorks InterFaith Ministries Network, Inc. – Built one of Florida’s strongest housing ministries.
Chairman, Psalms 41:1–4, Inc. – Extended outreach to homeless and marginalized groups with measurable social ROI.
Volunteer Chaplain, Florida DOC – Transformed incarceration rehabilitation into ministry-driven reentry success.

Youth and Education

First Priority Youth Club (Founder) – Mentored young leaders through values-based programs.
University of West Florida (Board Member) – Advocated for small business training and financial literacy integration.
Leadership Pensacola (Founding Member) – Helped create a local leadership development model now replicated statewide.

Business and Chamber Leadership

Pensacola and Bay County Chambers (Officer/Chair) – Shaped policies to empower local small businesses and economic equity.
Downtown Improvement Board (Marketing Chair) – Revitalized Pensacola’s urban core, blending commerce with culture.
Panama City Beach CRA Committee (Chair) – Pioneered tourism infrastructure planning that supported small business viability.

Humanitarian and Poverty Eradication Initiatives

Homeless and Hunger Coalition (President/Treasurer) – Structured data-based funding models for street outreach.
United Way (Multiple Roles) – Directed strategic planning, chaired needs assessments, and co-founded Red Feather Fellowship to modernize philanthropy.
Community Gardens Program (Chair) – Linked food security with workforce participation.

Arts, Tourism, and Culture

Pensacola Museum of Art, Saenger Theater, Tourism Council – Promoted cultural equity through sustainable funding and community events.

Scouting and Youth Recreation

Eagle Scout & District Chairman (Boy Scouts of America) – Advocated for moral leadership as the foundation of civic strength.
Bay Area Sports Association (Founder) – Used athletics to teach discipline and teamwork to underprivileged youth.

V. AWARDS AND RECOGNITION — SYMBOLS OF IMPACT

Each honor Rick received represents quantifiable change in lives, systems, and trust:

President’s Volunteer Service Award (2009) – Recognized nationally for exceptional civic contribution.
Jefferson Award Nominee (2006) – For leadership in housing and emergency relief for Katrina evacuees.
Small Business Advocate of the Year – For integrating ethics in enterprise growth.
Banker of the Year, American Institute of Banking – For innovation in customer-first financial models.
Distinguished Community Service Award, United Way – For measurable local impact.
Paul Harris Fellow, Rotary – For global humanitarian leadership.
Leadership Pensacola Honorary Alumni (2008) – For lifelong civic mentorship.
“Angel in Our Midst” (2012) – Local recognition of selfless service.

VI. VALUE ADD — TO THE NEW AMERICAN BUSINESS ASSOCIATION, INC.

Rick Dye’s accumulated expertise provides exponential value to NABA in its mission to elevate immigrant entrepreneurship, minority business access, and ethical financial education.

Strategic Value Dimensions

Financial Governance — 40+ years of multi-sector fiscal management ensures NABA operates at the highest standard of accountability.
Compliance Architecture — His background in banking regulation and securities law guarantees all NABA financial systems align with state, federal, and IRS nonprofit standards.
Affordable Housing and Workforce Integration — His work in housing and reentry programs gives NABA real-world models to connect business creation with stable living.
Humanized Finance — Combines financial literacy, personal responsibility, and community ethics — NABA’s cornerstone values.
Legacy Mentorship — His mentorship model will develop a new generation of faith-driven CFOs and financial leaders nationwide.
Bridge Builder — Unites government, nonprofits, and business to serve common good — the essence of NABA’s “prosperity through service” framework.

VII. CONCLUSION — A LEGACY OF PURPOSE AND PROFIT WITH PRINCIPLE

Every degree, license, client, and volunteer hour in Rick Dye’s life forms a unified narrative:
money is a ministry, leadership is a duty, and community is the true balance sheet.

As Fractional CFO for the New American Business Association, Inc., Rick stands as the gold standard of what ethical financial leadership can achieve — ensuring every dollar managed by NABA multiplies into opportunity, accountability, and hope.