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CSS, Inc. is a leading provider of enterprise class Financial Ecosystems, offering a broad portfolio of financial system platforms & solutions that span across all financial services. CSS enables companies to transition their legacy revenue & payment management systems to a modern, cognitive, centralized, cloud financial ecosystem that unifies all business units across an enterprise engendering the pinnacle of business financial transparency. CSS offers the only end-to-end Financial Ecosystem® that holistically manages every aspect of the revenue & receivables management process, such as payment processing, receivables, revenue cycle management, underwriting, credit, loan servicing, invoicing, billing, collections, bureaus, legal, portfolio, & digital customer engagement. With over 15 years of experience in the industry, CSS is helping the financial services sector to modernize processes, capture more opportunities, and deliver tomorrow’s digital customer experience today.
Meet The Team
President & CEO
Carl commenced his career in 1989 as a Firmware Engineer at Packard Bell Systems. In 1994, he founded NSI Labs, a successful Technology Service Provider Firm that delivers Data Center Infrastructure Technology, Infrastructure Management, Application Development & Database Services for the Financial Industry. In 1996, Carl acquired the 6th largest ISP in Los Angeles. Partnered with some of the largest communications and broadband telco providers, Cyberweb became one of LA’s leading ISPs delivering broadband services. In 2004, with over 25+ years of deep- rooted industry acumen in the Fintech Sector, Carl founded CSS, Inc. His vision was to build Financial Ecosystems that were powerful, scalable and intuitive enough for a business user to operate by employing forward technology for today’s needs and tomorrow’s growth. Realizing his vision, CSS IMPACT! became the industry’s leading Enterprise Financial Ecosystem Platform, now operating in 15 financial markets. Carl’s vision became an extraordinarily successful reality and is currently the adopted solution for the widening deficit between the needs of the industry’s current financial & compliance environment and the technology available to leverage those realities. Carl proudly credits his team of leading industry- seasoned experts & highly gifted engineers for the realization of his vision & the continued success as the industry’s leading Enterprise Financial Ecosystem Platform on the market today.
Chief Information Officer
Elmer Rodriguez has worked in the Financial, Collection and IT Industry since 1989. He is a founding member and corporate officer of CSS. Elmer brings to extensive IT experience and expertise along with an array of knowledge in the Financial and Collection Industry that makes him a valuable member of the CSS Team.
Jay Ford has been in the debt management collections software industry, creating, writing, developing, and marketing of the software since 1993. He is a business partner/corporate officer of CSS along with Carl Briganti and Elmer Rodriguez. Jay creates much of the business logic/programming and database creation and handling as well as user interface development/programming to the Impact product.
Executive Vice President of Operations
Joann Wachowski has been involved in the financial industry since 1977. When joining our team in 2008, Joann brought to the company the ability to facilitate communication between our clients and our development team because her unique background includes first-hand experience in the operations area of the collection industry along with database administration and coding experience.
Vice President of Operations
Sergio is a veteran of the ARM and Collections industry with over 35 years of experience in the field. His expertise in implementing many of the most innovative collection treatment tools and peripheral services in the collection industry makes him the ideal head of the projects department.
Sr. Data Systems Engineer
Jeff began his career with the ARM industry in 2004 as the Sales Manager for a 50+ year old regional collection agency. Jeff came to CSS in 2012 with extensive experience in moving large sets of disparate data into and out of databases. He enjoys the challenge that comes from organizing unstructured and diverse data into useful structures.
Director of Applications Engineering
Ryan has been in the collections industry for over 10 years. He joined CSS in 2012 as our QA Testing, Client Support, and EDI specialist. His high level of expertise helps keep CSS IMPACT! HD 2.0 operating at the highest level.
Sr. Systems Support Analyst Engineer
Eric Beck has been in the Collection Industry for over ten years. Eric is an integral part of the CSS team as he specializes in Data Processes, Setting up of Processes and Problem Solving for Solutions.
Systems Implementation Architect Project Manager
Wendy Smyth has been implementing projects in the Collections industry since 2012. Her previous experience includes software development and project management in the Medical and Real Estate industries. Wendy enjoys the challenge of working with clients to architect business solutions using innovative IMPACT toolsets.
Systems Implementation Architect Project Manager
Jakub Zurek has over 18 years of hands-on experience in information systems, technology and IT operations. The last 10 of those years has been in the ARM/Collections industry overseeing architecture, implementation, and performance of all business and IT systems. He is highly experienced in system design, development, and implementation and a big fan of standardization and automation in day-to-day business processes.
Business Development & Systems Implementation Manager
Ariel has been with CSS since 2015. She is an integral asset to the project management team ensuring smooth operations through Go-Live.
Sr. Systems Support Analyst
Maria Resurreccion has been in the collections industry for 8 years and joined CSS on November 2010. Maria oversees day to day support for clients, trains new clients, and takes part in enhancement and development of new features.
Systems Support Analyst Engineer
Andrew has been with CSS since 2012 and has worked within the Collections Industry for 8 years. Beginning at CSS as an Application Support Engineer, he has used his accumulated knowledge of CSS Impact! and strong relationship with clients to transition to the Marketing and Sales Departments. Andrew’s goal is to strive to establish and maintain a high level of Customer Service.
Jamielyn has been in the accounting industry since 2014. She manages daily accounting operations, maintains an adequate system of accounting records and processes payroll as well as manages accounts payables and accounts receivables.
Data Center Technician
Hugo has been a data center technician for over 20 years. He has been with CSS for the past 13 years as our Data Center Sr. Technician. His extensive technological knowledge makes him a pivotal asset to the CSS team.
Manager of IT Administration & Cloud Services
Todd opens the lines of communication between all stakeholders to get projects done. With over 20 years in both public and private sectors, Todd has experience in leadership, team building, infrastructure planning, project management that makes him a valuable member of the CSS Team.
Director of Enterprise Cloud Financial Ecosystem Sales
Ryder has over 37 years of experience in the banking, collections, healthcare, and retail industries. With over 30 years as VP and Chief Operating Officer in the collections industry, his knowledge base includes compliance, streamlining account flows, dialer campaigns, and the utilization of AI and multi-channel communications to maximize efficiency within business processes.
Systems Implementation Project Supervisor
Cameron has over 15 years of experience in systems implementation, web services deployment, front-end coding, physical infrastructure installation and maintenance, and has recently begun specializing in ETL and visualizing the resultant data from that process. His expertise makes him an integral member of the CSS team.
Application Systems Analyst
Kelly has been working in the Finance and Accounting industry since 2015. Kelly has recently joined CSS in 2021. She excels in analyzing data and documenting requirements. Kelly brings her financial expertise, project management skills and analytical thinking to the CSS team.
VP of CX Voice & Digital Engagement Cloud Services
Rudy Salazar has worked in IT, sales engineering, and executive C Level in the telecommunication customer engagement space with nearly 38 years experience in deploying enterprise premise voice & data platforms, bridging carrier class 4/5 telecom information services, and CCaaS software UI development.
CX Voice & Digital Engagement Systems Engineer
Hector has over 18 years technical engineering experience in the contact center space. Hector continues to set new benchmarks in cloud contact center technology security, stability, and IT infrastructure. As a CX expert, he has managed our front-end migration to the most cutting-edge technologies.
VP of CX, Voice & Digital Engagement Engineering
Al has over 30 years of experience in electronic engineering, telecommunications, software development, as well as database development in the contact center space. Al’s extensive knowledge places IMPACT CX customer engagement at the forefront of the industry.
What is a Financial Ecosystem?
Billions of dollars are lost annually due to the inadequate adoption of fintech technology for financial transactions management whereby mismanaged, aging receivables quickly turn revenues into bad debt and ultimately into losses. The primary reason for this outcome is the lack of a single enterprise solution that can manage every aspect of the revenue management life cycle process across all business units in unison.
Traditional platforms are stand-alone, independent systems that don't share common technology & can’t communicate dynamically with one another, leaving business units separated. This leaves entities with old, stale financial data, making it impossible to both manage aging receivables & avoid uncollectable debt. A Financial Ecosystem resolves this problem. A Financial Ecosystem is a battery of highly sophisticated proprietary fintech systems & solutions that consolidate into one single Financial Platform across your enterprise. HD™ 2.0 | Enterprise Financial Ecosystem® is that end-to-end financial platform that manages your revenues and receivables, while safeguarding bad debt exposure.
Parts of a Financial Ecosystem
HD™ 2.0 | LMS® Loan Management System (LMS) enables credit grantors & servicers to create business rules for underwriting decisioning workflows simply & visually without the need of complicated coding. LMS can systematically control financial screen navigation, input/output, verbose messaging and database interactions from any internal or external system or framework.
Now, when new applications for underwriting are introduced, they are first “interrogated” by the LMS business rules engine, which then gives a “thumbs up, thumbs down” decision.
This approach enables organizations to evaluate the application against multiple internal or external data sources and predict which applications should be manually reviewed, versus those that are most expected to contain appropriate information for automatic underwriting.
HD™ 2.0 | LMS® offers:
- Automation of manual procedures and calculations: By utilizing an automated analytic-based underwriting system, the consistency, quality and capacity of underwriting could be dramatically improved, allowing underwriters to focus on the exceptions.
- Control by business users: Rules are designed in an easy-to-understand visual Visio-like workflow designer, enabling the business experts— rather than technical staff—to control and automate procedures and policies.
- Faster response to change: Time-to-market for business logic changes are reduced from weeks and months to days or hours. Systems can be updated while in production with no down time and no need for IT resources.
- Increased reliability and auditability: A centralized workflow decisioning rules repository provides consistent execution of business policies that are easy to manage and visually easy to audit.
HD™ 2.0 | LMS® business rules engine allows for the development and rapid deployment of complex credit granting business rules, so your organization can make better decisions across the Revenue Life Cycle. Automate and optimize numerous types of business decisions, including credit approve/decline, instant prescreen offers, and collection decisions.
With HD™ 2.0 | LMS® you can also systematically analyze scoring, business rules and decision strategies from external data systems. This enables continuous testing and fine tuning of your business rules, so you can optimize decision strategies to drive higher profits.
- Pull data from multiple sources — both internal and external — into your decisioning engine dynamically.
- Process a high volume of transactions, with support and availability 24 hours a day
- Gain the ability to calculate numerous predictive attributes with self-designed scoring models
- Test new strategies against your current decision models and perform what-if simulations on historical data
- Improve business process efficiencies with continuous-loop deployment of enhanced and optimized decision strategies
- Deploy new decisioning strategies dynamically, to respond to market changes rapidly
- Deliver dynamic real-time, instant decisions while customers are at the point of sale
- Seamlessly integrate LMS's workflow decisioning engine into your existing systems with minimal IT costs
HD™ 2.0 | LMS® is specially designed to simplify and automate all loan processes from start to finish. This intelligent solution shepherds the user through each phase of the loan servicing process, presents the freshest data in real-time, and intuitively computes all calculations providing the easiest user-experience available anywhere.
HD™ 2.0 | RMS® Receivables Management System (RMS) enables first and third-party administrators to deliver a salient automated enterprise invoicing solution. Generate business rules-driven invoicing with a built-in document management system. Offer online access for consumers and third-party administrators to reduce dependence on in-house customer service personnel while improving customer satisfaction.
Give your customers what they want with customer-centric invoicing and payment options. Shorten your revenue cycle with a multitude of automated payment and invoicing technology solutions and easily track partial payments and past due invoices.
HD™ 2.0 | RMS® Receivables Management System (RMS) enables first and third-party administrators to deliver an automated rules-driven billing solution across the enterprise. Seamlessly retrieve documents, contracts, and offer online access for consumers and third-party administrators to reduce dependence on in-house customer service personnel while improving customer satisfaction.
With over 300+ modules dedicated to billing in real-time, HD™ 2.0 | RMS® provides the most comprehensive, state of the art tools to meet all your billing needs. With unparalleled automation, RMS minimizes training while maximizing production.
HD™ 2.0 | RMS® Receivables Management System (RMS) presents the most sophisticated tool set available for account receivables management, adaptable for any business or organization type. With capabilities to tie into the HD™ 2.0 Enterprise Financial Ecosystem, you can confidently expand your offerings across multiple industries and verticals for geometric growth.
HD™ 2.0 | RCM® is a healthcare Revenue Cycle Management (RCM) system designed to manage claim submissions, self-pay & insurer billing & recoveries.
HD™ 2.0 | TAX® is a tax billing, collections and legal case management system designed to generate & process tax bills, track collections, bankruptcies, skips, and legal cases on taxpayer liabilities of all debt types.
HD™ 2.0 | Collections® combines an easy-to-use collector interface with sophisticated management tools and blends them into a seamless environment. With the flexibility to manage billions of debtor accounts, handle thousands of users, and process accounts faster than any other platform available, it’s easy to see why HD™ 2.0 | Collections® is the most sought after collections system on the market.
HD™ 2.0 | Legal® delivers a complete legal case management & collections solution, which tracks legal cases, case parties, bankruptcies, linked cases, services, events, compliance & consent of judgment financial buckets. HD™ 2.0 | Legal® is the most powerful and widely used system for legal case management.
Growing portfolio size is what HD™ 2.0 | PM® (Portfolio Manager) was designed for. With unlimited scalability, PM consolidates your entire portfolio into a simple, easy to manage, user-friendly platform providing your organization with unified servicing practices, transparency, and increased borrower satisfaction.
HD™ 2.0 | CMS® consumer financial "Compliance Management System" (CMS) is designed to mirror CFPB, FDCPA & TCPA guidelines for state & federal compliance regulations.
HD™ 2.0 | CUBE® generates business rules sourced data sets for analytical reporting & business rules workflow processing.
HD™ 2.0 | Fusion® is a data interface communications bridge platform designed to link systems into the CSS IMPACT HD™ 2.0 ecosystem for dynamic access to external data. These external data sets are then exposed to HD™ 2.0's business rules workflow engine, data warehouse (CUBE) , & Ad hoc Report writer for data processing consumption.
HD™ 2.0 | Data Annex® is an online account annex portal designed for inter-departmental staff, field agents, or clients to manage and review accounts. HD™ 2.0 | Data Annex® is fully customizable to your organization's online branding presence.
HD™ 2.0 | Payment Portal® is an online consumer portal designed for self-serve account management, payments, negotiations & arrangements. HD™ 2.0 | Payment Portal® is fully customizable to your organization's online branding presence.
CSS's fintech consulting services cater to all financial technologies & solutions for every industry and vertical.
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