WTK Associates, Inc.

159R Granite Street, Rockport, MA  01966
Telephone: 978-546-7999          email: consult@wtkassociates.net

 WTK Associates, Inc.

   Serving the Financial Community Since 1989


William T. Kozak, Jr., CMC is founder, president, and CEO of WTK Associates, Inc. WTK Associates, located in Rockport, Massachusetts, is a management consulting firm specializing in strategic, organizational, and management issues. The focus of the firm is to provide objective analysis and advice for strategic positioning and profitability. WTK’s client base includes banks, credit unions, non-profit organizations, colleges, and privately held businesses. Selected services provided to clients involve strategic planning, market analysis, executive search, organizational analysis, and board development.

Mr. Kozak has earned the designation of Certified Management Consultant (“CMC”) from the Institute of Management Consultants. This designation is accredited to professionals who have exhibited the experience, client satisfaction and highest of ethical standards as required by the IMC.

Prior to establishment of WTK Associates, Mr. Kozak enjoyed a progressive, eighteen year career in banking. He was President and CEO of the Beverly Bank and Trust Company, where he oversaw the formation of a new bank, which included bringing directors and incorporators, key personnel, and professionals together. Under his direction, the group received all regulatory approvals, developed its strategic plan and raised in excess of $4 million in capital. As the 1989 to 1990 banking climate changed, it was decided to seek alternative opportunities, rather than to open the Bank at that time.

While active in bank management, Mr. Kozak had diverse experience in all areas of bank management and community banking where he served as Executive Vice President, COO, and Director of the Beverly Savings Bank, a $275 million bank. At Warren Bank, after merging with Beverly Savings, Mr. Kozak served as Executive Vice President for a $650 million public-bank with eight branches, three loan centers, and 250 employees. He was responsible for developing and implementing the business plan for the smooth transition of the merger of the two banks, including organizational development.

Mr. Kozak received a Master of Business Administration from Babson College in 1975 where he majored in finance and organizational behavior. He received a Bachelor of Science in Business Administration from Salem State College in 1973 where he graduated cum laude. He also achieved Honors recognition from the Graduate School of Banking conducted at Brown University in 1978. Until December 2002, Mr. Kozak held Series 7, Series 63 and 65 securities licenses, which expired when the licenses became inactive.
The client list of WTK Associates, Inc. includes more than 200 businesses, non-profit organizations, and financial institutions. Most clients are New England based. A listing of bank and credit union references will be provided separately. Examples of non-profit organizations include: Spar and Spindle Girl Scouts Council, MSPCA-Angell, North Shore United Way, New England Water Resource Association, Massachusetts Bankers Association, CUNA of Massachusetts, and Salem State College.

Mr. Kozak has been an active community and business leader throughout his career. In addition to serving as a guest lecturer and instructor for many organizations, he has taught management courses at Salem State College, the New England Community Bank League, the Massachusetts Bankers Association School of Banking, and the Credit Union League of MA.

A partial list of his other activities current and past include: Calvary Episcopal Church, Lay Reader and Vestry member; National Council of Savings Institutions, various committees of the Massachusetts Bankers Association; North Shore United Way, past president; Kiwanis, past president; Beverly Hospital, Incorporator; Fisher Charitable Society, Secretary; Town of Essex, Finance Committee and Regional School Planning Board.

Mr. Kozak received an Honorable Discharge from the U.S. Army in 1971. He served as a specialist in Military Intelligence, completing a tour of duty in Vietnam from 1969 to 1970.

He and his wife live in Rockport, MA. They have six children.