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Operations Team

Jessi Lorenzo 2018

Jessi Lorenzo


Jessi Lorenzo, President of LDF Holdings, has been in the short-term lending industry for more than eight years.

Before coming to LDF Holdings in January of 2017, Jessi worked for Triax Management, the management company that LDF Holdings was utilizing to help grow their lending business. Prior to this industry she spent many years in advertising sales.

Jessi grew up in New England, attended the University of New Hampshire where she played Division 1 Tennis. She resides in in Tampa, Florida, with her wife Lily and their three small children Warren, Drew and Lucia.

Juanita George-Huguley

Juanita Huguley

Operations Director

Juanita is originally from Kansas City where she raised her amazing two boys and sent them off into adulthood. She has been in the Online Lending Industry for 10+ years and started at the ground up as a Customer Service Representative and was able to work her way up to management.

Prior to joining LDF Holdings in December 2016, Juanita managed operations and the call center for several online consumer lending companies. She came to LDF Holdings to be a part of a growing and exciting organization where her knowledge and expertise could help not just a company but an entire community.

Juanita has set roots in Tomahawk, Wisconsin, and enjoys spending her off time outside enjoying nature from her porch.

Kemberlar Smith

Kemberlar Smith

Compliance Director

Kemberlar Smith is an Operational Risk Professional with over 20 years of banking experience in the fields of financial planning, budgeting, operations, Quality Assurance, Auditing, Mortgage Processing and Underwriting, Compliance Training/Implementation & Risk and Control Management.

Kemberlar moved to Florida in 2002 from New York where she had worked for notable companies such as the Wall Street Stock Exchange, CitiFinancial at 1 World Trade Center, JP Morgan Chase and Xerox Corporation. In the 15 years that she has been in Florida, she worked for Bank of America for three years and Wells Fargo Bank, N.A. for 12 years, holding several positions in Process Implementation, Quality Assurance, Risk Management and Compliance.

Kemberlar’s greatest joys in life is God, her wonderful son, Dr. Josh, her 4-legged daughter Sasha, her family, travelling, writing, shopping, mentoring women and spending quality time alone to refresh, renew and revive herself.


Ernestine Rodriguez

Vendor Relations Manager

Ernestine Rodriguez is a member of the Lac du Flambeau Band of Lake Superior Chippewa Indians, born and raised right here in beautiful Lac du Flambeau (Dogsville to be more specific). Over the years, Ernestine has worked in various positions for the Tribe including the Casino, the Education Department and the Peter Christensen Health Clinic. Ernestine has served on numerous Tribal Committees and in her spare time she is an EMT with the Town of Lac du Flambeau Ambulance service.

Ernestine has a son Jerren, and two dogs, Peanut, a Jack Russell Terrier mix, and Chief, a Victorian Bulldog/Bull Mastiff mix.

Ernestine truly enjoys being part of a strong organization that can provide economic growth and job opportunities for the tribe and community while providing a great consumer loan product. She looks forward to continuing to learn about the lending industry, working with the Tribal Lending model and being a part of LDF Holdings as we expand on services we are able to offer.


Melinda Walker

Consulting Services
Account Manager

Melinda began with LDF Holdings in 2015 as a Customer Service Representative. Through hard work, dedication and expanding her knowledge, she advanced quickly to Vendor Relations Manager. She continues to strive for excellence and is a key player in streamlining the onboarding process. Prior to joining LDF Holdings, Melinda worked for Lake of the Torches Resort Casino as an Executive Assistant, as well as various Tribal departments.

Melinda is a Lac du Flambeau Band of Lake Superior Chippewa Indians Tribal Member. She grew up on the Lac du Flambeau reservation and remains close to her traditions and culture. She is the mother of three wonderful children - Lauryn, Charlie and Avari. In her off time, she enjoys spending quality time with her husband, Joe and children whether it be at the movies, on a road trip or in the comfort of their cabin in the woods. She enjoys disc golfing, hiking, video gaming and making custom furniture, but most importantly, adventure.

Brittany Allen

Brittany Allen

Executive Assistant

Brittany joined LDF Holdings in 2019 as the Executive Assistant to LDF Holdings President. A Lac du Flambeau Band of Lake Superior Chippewa Indians Tribal Member, she's the mother of two wonderful little boys, ages 1 and 5. She holds a tribal management degree from Nicolet College. And, she has studied hospitality business management with a minor in casino industry management at Michigan State University.

Santana Chapman

Santana Chapman

Consulting Services

Santana Chapman was born and raised in Lac du Flambeau. She has three children: Skye, Jackson, and Grace-Ellen. She started working for Holdings as a customer service representative at the call center in 2018. She has grown with the company over the years and happily accepted the position of Consulting Services Coordinator.

In her free time, she likes to do as many things as she can with her children. Her family likes hiking, fishing, and being outdoors. They also like to be creative and do various crafting projects, and  they're huge Milwaukee Brewers fans. Finally, she loves watching her kids play their sports and musical instruments, as well as traveling and making memories.

Kari Sorenson

Kari Sorenson

Compliance Officer

Kari Sorenson is a Compliance Officer for LDF Holdings, LLC. She is a business professional with 25 year plus experience working within Quality. She is a member of the Society of Quality Assurance with experience in compliance, risk management, quality assurance, auditing, quality control, quality management systems and training.

She graduated from Lakeland College with a bachelor's degree in Business Management and Marketing. She has two grown sons, Stephen and Brett (who she is very proud of and love to the moon and back). Her dog named Cooper is the real boss of the house. Finally, she loves being in the outdoors, reading, and sending time with my family.

Racquel Bell

Racquel Bell

Compliance Officer

Racquel Bell joined the LDF Holdings Team as a Compliance Officer in November 2019. Before joining the team, Racquel worked for her tribe as the Emergency Shelter Housing Manager. Racquel also was employed by the Lac Vieux Desert Tribe as their Tribal Aging Director for two years. Racquel also was a team member for 17 years with Great Lakes Inter Tribal Council, Inc in the Human Service Field in Family, Aging, and Disability Programs.

Racquel is a Lac du Flambeau Tribal Member born and raised in Lac du Flambeau, also resided in Chicago, IL, and Milwaukee, WI. Racquel is married to Arthur James Bell Jr., Marine Veteran. Racquel also is the mother of 5 children Michael, Kayla, Robyn, Trevor, and Carl. She also has seven grandchildren Xavier, Alexander, Rueben Dean, Enoch Asher, Princess Kiara, Princess Lucinda, and Silas Eko-Nising.

Racquel enjoys cooking, spending time with her family and friends, and is a Chicago Bear Fan.


Alison Krich

Compliance Officer

Alison Krich is a legal regulatory professional with 20-plus years experience working within litigation. She is certified by the American Bar Association, a member of the American Paralegal Professionals Association and the Society of Human Resources Management.

Joe Walker - Bio Pic

Joseph W. Walker

Vendor Relations Coordinator

Joseph W. Walker has been with LDF Holdings for five years. He started as an entry-level agent at the call center, working his way to team leader followed by becoming the head of process development and training for the call center. With support from administrative teammates, he built the foundation for an efficient and productive training program. He forged ahead with restructuring processes to limit unnecessary steps and streamline all procedures.

He currently works as a vendor relations coordinator. With this move, he is in a position to learn yet another area of our business and our industry. Continuous improvement is part of his standard operating procedure, which keeps LDF Holdings on the forefront of training and education, new technology applications, new understanding of what it takes to provide financial well-being and career opportunities. He's proud of LDF Holdings' growth and industry leadership. His plans are to continuously seek out new ways to grow.

Call Center Team

Tracy Whitman

Tracy Whitman

Operations Manager
Antoinette Beaudry

Antoinette Beaudry

Operations Supervisor
Daniel TwoCrow

Dan TwoCrow

Call Center Supervisor
Alan Moore

Alan Moore

Tech Support
LDF Holdings Call Center Team

Our Dedicated Call Center Staff