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Pat Ruszkowski

Chief Executive Officer

Pat began his business career in 1972 as a software developer for Carleton. He journeyed his way through Carleton as a manager of software development, production, sales and marketing, and finally as vice president with overall responsibility of Carleton's financial lending products.

In 1991, Pat purchased Carleton. Under his leadership, Carleton has transformed from being a financial publishing company into a leading financial software company having strategic partnerships with many of the national lenders and most of the major financial software companies that service the banking, credit union and auto lending industries.

Matt Ruszkowski

President & Chief Operating Officer (COO)

Matt became President and COO in January 2019.

Matt joined Carleton in 2011. He oversees the overall leadership of the company's daily operations and new innovative software solutions for the lending industry.

Before joining Carleton, Matt worked for 10 years with the StoneEagle Group in Richardson, Texas, serving as manager of new business development that supports the auto F&I and credit protection industry. Matt is a graduate of Indiana University where he majored in management and computer science and has completed the Executive Management and Supervisory Development programs at the University of Notre Dame.

Deborah Grounds

Vice President of Software Services

Deborah has more than 25 years experience in software development since joining Carleton in 1993.

Her responsibilities include directing all product development, IT and security initiatives.

Deborah graduated from Western Michigan University with a degree in computer science and has completed the Executive Management and Supervisory Development programs at the University of Notre Dame.

Jeffrey C. Buysse

Vice President of Compliance Services

Jeff joined Carleton's research department in 1985 and has served as the director of research since 1991. His responsibilities include overseeing the compliant validation of the Carleton software products, loan calculation auditing and validation services, and Carleton's consumer credit regulatory subscription service. Jeff regularly serves as a speaker/instructor at seminars and education classes for examiners related to calculation compliance for consumer lending.

He is a graduate of Indiana University.

Mark Futa

Vice President of Sales and Marketing

Mark comes to Carleton with a tremendous sales and marketing background. He spent many years with the Ford Motor Company, Nissan North America, as well as The University of Notre Dame. His experiences include sales strategy, brand management, executive leadership, and a proven track-record for building relationships.

Mark received his undergraduate degree from Indiana University and his MBA from the University of Notre Dame.

Tonya Hardisty

Director of Client Success

Tonya has worked in the CarletonDocs® document support department since 1997 and has been in a managerial role at Carleton since 2005. She was promoted to Director of Client Success in 2023 and now leads the support team that oversees all of Carleton's clients that utilize the Carleton calculation solutions and document services. From the client onboarding process to ongoing support, she ensures that Carleton's clients are receiving expert-level support and continuously strives to enhance the overall client experience.

Tonya graduated from Ball State University and completed the executive management in supervisory development program at the University of Notre Dame.

Sarah Way Milovich

Corporate Attorney and Compliance Associate

Sarah joined the Carleton team in 2017 after working in private practice. She serves as Carleton's general counsel and works in the Research & Compliance Department. She provides critical legal and compliance guidance to the Leadership team.

Sarah earned her bachelor's degree from the University of Notre Dame. She obtained her Juris Doctorate from Loyola University Chicago School of Law, and is licensed to practice law in Indiana and Michigan.