Archives for November 2018

I recently attended the TransUnion Third Party Conference in San Diego, hosted by Peter Ghiselli and team. It was a content-rich and highly engaging event.  Some of the topics covered included segmentation, investment in innovation, a case study on right party contact, predictive modeling, inventory prioritization and much more.

It was an honor to be a presenter and share the latest industry highlights. Topics included the most monumental court rulings affecting how we operate, as well as updates on the Bureau of Consumer Financial Protection (BCFP), emerging trends, innovation and robocall blocking/labeling.  

Below are a few highlights of what I covered:

In the courts

Revocation – The particular matter at the center of the revocation debate relates to the consumer’s right to unilaterally revoke consent when consent is covered in a contract signed by both parties. Over the last year  there has been a jurisdictional split on whether or not unilateral revocation can occur.

Dialers – ACA International v. FCC, 885 F. 3d 687 (D.C. Cir. 2018) reversed the TCPA expansion caused by the FCC’s 2015 declaratory ruling, specifically as it relates to the definition of an Automated Telephone Dialing System (ATDS). The 2015 ruling stated that anything that currently has the capability to dial randomly generated numbers or that has the potential to be modified to allow such capability is an ATDS. This ruling removed the “potential capability” portion from the definition. A summary can be found here.

E-SIGN – Lavallee v. Med-1 Solutions, LLC (Case No. 1-15-cv-1922, U.S.D.C., S.D. Indiana). The BCFP filed an amicus brief in this case stating that the E-SIGN act applies to FDCPA-required disclosures like the 1692g validation notice. This adds a bit of a hiccup to the ability to email collection letters to consumers as E-SIGN requires consent to receive specific items via email.

In addition to the latest court rulings, I covered the work insideARM has led through our Consumer Relations Consortium (CRC) with the BCPF and consumer advocates to advance the industry’s position on third party disclosure, robocall blocking/labeling, proposed rules and more.

Emerging Trends

Investing in technology and emerging trends is as much about preparing to weather future storms, as it is about optimizing current performance.  Another downturn is inevitable and the firms that can make quick, fact-based decisions and have alternate low-cost channels, will more quickly pull the levers needed to scale and meet customer demands.

A strong data infrastructure, fact-based decision making and a blended omni-channel engagement strategy will be differentiators in the near future.  

• Investing in data and strategy gives you the ability to quantifiably measure ROI, provided a strong test and control strategy (A/B testing) are in place at the time of deployment.
• Expanded contact channels is a must have on your strategic investment plan. It’s what an increasing number of customers want and it’s considerably cheaper than traditional voice channels. These are lower cost levers that can be pulled to augment staffing, increase intensity and improve contact with customers.  

Companies that are risk averse and slow to adopt these new communication channels like self-service IVR’s, text, email, virtual agents, may struggle to compete if the industry sees stress like we did during the last economic crisis.

Innovation

The Consumer Relations Consortium (CRC), led by insideARM, is a membership group of 200+ leaders from top creditors and agencies.  The group focuses on innovation, compliance and process improvement.

This year, we launched a Better Way project following our completion of an in-depth innovation assessment in the early spring.  The four categories assessed included: 1) Bridging the Gap, 2) Substantiation 3) Big Data and 4) Data Standards. Bridging the gap was identified as the top priority, with a focus on improving the hand-off between creditors and agencies in a way that will more quickly build trust and expedite recoveries for agencies and consumers.  Projects underway in this area include:

Third Party Consent Management – an end to end process assessment was completed and documented to help creditors and agencies find the most efficient and compliant way to pass consent back and forth at the the time of and throughout the placement period.  

Handshake Letter – deploying an industry test to validate the quantifiable value of creditors providing an initial notice to consumers notifying them that their account is being placed with a third party collection agency (including name, contact info, etc.).  This is intended to build trust by helping consumers to recognize the agency contacting them on the creditor’s behalf.

Robocall Screening – select CRC members, in conjunction with Numeracle, a member of our innovation council, are participating in a test to measure the benefit of things like registering numbers with the various analytics companies, and running tests to determine the extent to which the company’s calls are being blocked and/or labeled.

Third Party Disclosure – work is underway to develop a standard, fully deployable third party disclosure notice, information about the consumer’s account status at the time of placement with an agency.

Special Topic – Robocall Blocking/Labeling

In response to the $9.5 billion scammed from 22.1 million Americans, the FCC and FTC have given approval to   carriers and other industry players to block and label calls. The primary action to date has been for telecom companies to hire analytics firms to write models to systemically differentiate a good call from a bad call.  Despite their efforts, legitimate call orgininators such as Fortune 1500 companies have seen a 20% reduction in contact rates. This has resulted in revenue loss to which they have no control or visibility to stop.

The CRC has dug in to the topic of robocall blocking and is playing an active role in contributing to a solution that will mitigate the risk to our industry’s ability to successfully contact customers over the phone.  The CRC recently hosted a roundtable with consumer advocates, regulators, telecom companies and the various technology firms involved to convey the unique challenges call labeling poses to the collections industry.. It’s important that we have a voice at the table to ensure that the solution to this problem doesn’t have unintended consequences on our ability to contact customers.  

The telecom industry is also working to develop a program called SHAKEN/STIR.  The concept consists of a digital certificate that travels with the call from originating to delivering carrier to verify that the calling number is owned by the caller and hasn’t been spoofed.  The group has completed much of the technology solution, and is now working on the process side of how certificates will be issued, who can issue them, etc.. The ability to identify a spoofed caller ID is core to re-establishing trust in the call channel.

The telecom industry, in conjunction with groups like insideARM, PACE and engaged tech companies are working together to identify short and long term solutions to this quickly evolving problem.  

Conclusion

There’s no shortage of movement happening in the collections industry.  The key is to stay in the know on how to remain compliant, while also pushing the envelope to remove barriers and continue advancing in low cost, customer friendly, innovative ways.

GENESEO, N.Y. —  Coast Professional, Inc. (Coast) presented a check for $14,610.00 to AutismUp at the company’s Geneseo, NY office on 10/18/2018. Coast’s donation is a result of the company’s dress down for charity program in which employees donate $20 or more for the option to wear jeans and business casual attire for the month. The donations include the employee contributions from Coast’s Geneseo, NY office and the company match of up to $500 per office per month.

The employees of Coast selected AutismUp to be the recipient of the charity dress down program for the months of August and September as a result of the impact that this organization has for families in the local community. The employees vote bimonthly for the charity that will receive the donations raised through the program for the upcoming period.

The proceeds from the donation will benefit AutismUp and will help the organization provide the very best in autism support programs and services in the Greater Rochester and surrounding areas, and aims to support peak performance at every age and ability. AutismUp believes that “every great climb begins with a step up.” The organization provides services to increase autism awareness, provide a facility for individual development, and support services for people and families living with autism.

“We appreciate AutismUp’s determination to improve the lives of those living with autism in our local area and the support they provide to families,” stated Michele Malczewski, Chief Human Resources Officer at Coast. “Coast created the dress down program as an outlet for our staff to give back to organizations in our community that they care about. We’re honored to be able to provide this outstanding organization with these contributions.”

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About AutismUp

Today, 1 in 59 children is diagnosed with autism.  AutismUp (formerly known as UNYFEAT) is the leading 501(c)3 autism support organization in the Greater Rochester and surrounding areas. Founded in 2004, by a small group of parents of children with Autism Spectrum Disorder (ASD), AutismUp has grown to include more than 2,300 family and professional member households.  AutismUp is dedicated to supporting individuals with autism, and their families, by expanding and enhancing opportunities to improve quality of life. AutismUp is a lead partner organization collaborating to build the new Golisano Autism Center, which will further coordinate autism services for more than 10,000 people diagnosed with autism locally.  The AutismUp Multi-Sensory Learning Environment is located at 855 Publishers Parkway, Webster, NY, 14580. To learn about programs, services and events, visit www.autismup.org, call (585) 248-9011, or email contact@autismup.org. Donations to AutismUp remain local to support customized programs and services.”

About Coast Professional, Inc.:

Coast Professional, Inc. is an accounts receivable management company, dedicated to the respectful and ethical collection of higher education and government debt. Coast provides professional collection services to over 200 campus based colleges, universities, and government clients. Coast is a five time honoree on the Inc. 5000 list for American’s Fastest-Growing Private Companies provided by Inc. Magazine and in 2016, was recognized for the third consecutive year as one of the “Best Places to Work In Collections” by insideARM.com and Best Companies Group. Since 1976, Coast has worked closely with clients to increase recoveries by assisting consumers in resolving their financial obligations. Coast’s success is exemplified by exceptional recoveries, superior service, and dedication to the highest levels of compliance. More information about Coast can be found at www.coastprofessional.com.

POUGHKEEPSIE, N.Y. —  Immediate Credit Recovery (ICR), a leading national debt resolution agency, announced the expansion to a new office in San Angelo, TX. This new location is the third office for the company, adding to its existing facilities in Kennesaw, Georgia and its Poughkeepsie, NY, headquarters.

“We are really excited about the significant new capabilities this major expansion will provide to our clients,” said Frank Roa, CEO of ICR. “In addition to adding nearly 250 call stations, the new office already has 70+ employees fully trained in servicing Federal Student Loan and similar type of accounts. The new location also adds considerable expansion for additional loan servicing staff, increased compliance, training and support personnel.”

The new operation is a fully equipped and FISMA-certified contact center that will service state and federal student loan contracts. This strategic acquisition further reinforces the company’s goal of delivering an exceptional level of customer service to its clients.

The new expansion follows ICR’s 2018 extensive investment in new technology to support advanced call center proficiency. “The additional space and new functionality translates to even greater speed and efficiency to the customers we service,” notes ICR President Felipe Yanes. “There will be an immediate and distinct enhancement that the firms we service will benefit from.”

Immediate Credit Recovery is a major national agency that has been servicing the debt recovery needs of the educational, medical, and government markets for nearly three decades.

For more information on ICR’s wide range of accounts receivable products and services, interested parties can call (800) 234-4271 or learn more at https://www.icrcollect.com/.

About Immediate Credit Recovery

Immediate Credit Recovery (ICR) is a highly experienced and results-focused debt recovery agency that has been providing a full range of exceptionally effective services to a broad range of national clients for nearly three decades. With a fully trained staff of professional recovery specialists, ICR works diligently to recover client’s funds quickly, securely, and efficiently in a manner that fully considers the specific needs and individual circumstances of both its clients and consumers, while complying with all relevant Federal, state, and local regulations. With its state-of-the-art technology, superior management oversight, zero-tolerance complaint program, exceptional customer service, advanced consumer privacy and data security safeguards – along with cutting edge technology and strict adherence to the latest regulatory changes – ICR has achieved performance levels and customer satisfaction responses that have placed it at the top of its industry.

As insideARM reported yesterday, the new balance of power in the House of Representatives likely means Rep. Maxine Waters (D-CA) will be the next chair of the House Financial Services Committee. Rep. Waters was critical of the Bureau of Consumer Financial Protection’s (BCFP or Bureau) Acting Director Mick Mulvaney following the resignation of the Bureau’s student loan ombudsman. In an interview with Bloomberg yesterday, Rep. Waters confirmed that she will be focusing on the Bureau.

In the interview, Rep. Waters summarized the 2008 financial crisis, stating that the Bureau is one of the most important centerpieces of Dodd-Frank reform. Rep. Waters praised the Bureau for returning about $12 billion to 30 million consumers and handling over 1.3 million complaints under former director Richard Cordray’s leadership. She stated that the Bureau has been under attack by Republicans and that she is going to “try to do everything [she] can possibly do to undo the harm that Mr. Mulvaney has done.” Rep. Waters criticized Mulvaney’s dismissal of the Bureau’s advisory committee.

insideARM Perspective

Listening to Rep. Waters’ interview, two things come to mind.

First, the high-level summary of the Bureau’s past actions does not take into account the many complexities within these statistics. For example, there has been some criticism of the Bureau’s complaint database. The Bureau’s complaint portal is a useful tool. However, over-simplification of the data, such as simply stating that 1.3 million complaints were handled under the Bureau’s past leadership, paints an incomplete picture. Interviews such as this are usually time-limited so it may not be practical to dive into the details, but it’s always worth keeping in mind that sound bites don’t provide the full picture.

Second, Rep. Waters touched on Mulvaney disbanding the Bureau’s advisory boards. The way this issue is phrased by Rep. Waters gives the impression that the advisory boards were completely eliminated, which is not the case. The Bureau selected new advisory boards (notably containing no representatives from the debt collection industry) a few months after the old boards were disbanded.

One thing seems certain: we will be hearing a lot about the Bureau and the House Financial Services Committee in the near future.

CHERRY HILL, N.J. — In 2013, MRS BPO put on its walking shoes and joined with American Cancer Society’s Making Strides Against Breast Cancer organization to raise money for Breast Cancer research. Every year, Making Strides organizes walks throughout America to raise awareness and funds that save lives from breast cancer.

Since 2013, we have raised over $70,000 for Making Strides. This year, MRS reached a new fundraising high, generating over $15,000 at our New Jersey, Ohio and Alabama offices.

MRS’s fundraising starts in the summer where it offer the opportunity to buy the right to dress casually through the month of October. Then in October, MRS gets serious.

Throughout the month, the staff holds food and breast cancer bracelet sales, and a 50/50 raffle that generate excitement and money. The grand finale is held on Halloween, which features employees in costumes, a pumpkin decorating contest, a work area decorating competition, and our very popular Gift Basket Auction where each department donates a gift basket for auction and winners are selected in a drawing. This year, lucky winners went home with baskets full of food, wine, home goods, a cake made of dollar bills and even a brand new Sony PS4 gaming unit. The lucky 50/50 winner claimed over $1,000! A group of MRS employees participated in the annual walk in Camden County, New Jersey, which was held on October 28th.

“We know that collections is a tough job, so we always try to do things that are fun and rewarding for the employees. From day one, our employees embraced this fund-raising project and they continue to outdo themselves each year,” remarked Regina Weir, Chief Personnel Officer, who first got MRS involved in Making Strides over six years ago.

MRS is an organization that places a very high premium on charitable giving and our October celebration always brings out the best in our employees. Their spirit, generosity and sense of humor continue to inspire us and make MRS a great place to work. To learn more about Making Strides for Breast Cancer, go to www.MakingStridesWalk.org.

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The Eastern District of Wisconsin recently reviewed whether a second validation notice sent within the 30-day validation window of the previous notice has the potential to confuse consumers. In Maloney et al. v. Alliance Collection Agencies, Inc., No. 17-CV-1610 (E.D. Wis. Nov. 6, 2018), the court said yes.

Factual and Procedural Background

The plaintiffs in these case both received two validation letters from Alliance Collection Agencies, Inc. (defendant). The first letter identified the debts owed by the plaintiffs and followed the statutory language to inform the plaintiffs of their validation rights. For each plaintiff, defendant sent a second validation notice within thirty days of sending the first. The second notice included the validation rights language and information about the debts listed in the first notice, but the second notice also listed additional debts owed by the respective plaintiff.

Plaintiffs filed a class action lawsuit against defendant alleging, among other things, that the two notices violated the Fair Debt Collection Practices Act (FDCPA) for being confusing and for misleading consumers about their 1692g validation rights. Both sides filed motions for judgment on the pleading. The below discusses the court’s decision on defendant’s motion.

The Decision

In reviewing a motion for judgment on the pleading, the court is charged with deciding if a judgment is appropriate for the moving party solely based on the information contained in the pleading documents filed with the court.

After reviewing defendant’s motion, the court concluded that it could not grant the motion because it found that a least sophisticated consumer could reasonably be confused by the two notices. Specifically, the court stated that the consumer may be confused about whether the statement of validation rights in the second notice applied only to the new debts listed in the second letter or to all of the debts listed. The court also found that consumers could be mislead into thinking that the validation window for the repeated debts restarted with the second notice when in reality the consumers’ statutory rights began to run with the first notice for those debts.

The court was not persuaded by defendant’s arguments that the letters were not misleading becuase it would have honored the new 30-day validation period. The court stated, “[e]ven if Alliance would voluntarily honor the new 30-day validation period, that would not be apparent to a consumer upon receipt of the letter. In other words, even if the notice were factually true, it could still confuse the consumer.”

Defendants cited case law stating that sending a second validation notice within the 30-day validation window does not violate the FDCPA. However, since this case law was not from the Seventh Circuit, the court declined to follow it.

Based on the above, the court denied defendant’s motion for judgment on the pleadings.

insideARM Perspective

The broader issue exemplified here is that debt collectors that are trying to follow the FDCPA need to alter their practices depending on the jurisdiction they are collecting in. As stated in this decision, some courts may have found that there is nothing wrong with sending a second validation letter, but the Eastern District of Wisconsin is not one of them.

Debt collectors are no strangers to adapting to jurisdiction-specific laws. However, the fact that different federal jurisdictions come to different conclusions on the same law shows just how unclear and subject to interpretation the FDCPA really is. If courts cannot reasonably agree on the same interpretations, then how are debt collectors expected to figure it out? The benefit of the forthcoming third party debt collection rules by the BCFP, due out in March 2019, is that both the industry and the courts will get guidance and more consistent FDCPA court decisions will hopefully come down the pipes.

The results of yesterday’s midterm election shifted the balance of power in Congress, which could mean some changes in store for the financial services industry.

The biggest change occurred in the House of Representatives, where Democrats gained control of the majority. With this change, it is likely that Rep. Maxine Waters (D-CA) will be the next chair of the House Financial Services Committee. After the resignation of the Bureau of Consumer Financial Protection’s (BCFP or Bureau) student loan ombudsman, Rep. Waters introduced a House bill criticizing the Bureau’s leadership under Acting Director Mick Mulvaney. Rep. Waters will likely keep a sharp eye on regulators appointed by President Donald Trump.

Another change for the House Financial Services Committee is that one of its members, Rep. Keith Rothfus (R-PA), lost re-election yesterday to a Democratic candidate, Conor Lamb (D-PA).

Republicans maintained the majority in the Senate. Sherrod Brown (D-OH), the ranking member of the Senate Banking Committee, was re-elected. Of note for the ARM industry, the full senate confirmation vote for Kathy Kraninger as the next director of the BCFP is pending. The Senate Banking Committee voted squarely along party lines to approve Kraninger’s nomination. If the full Senate follows suits, her confirmation is likely to go through.

Since there is now a divide in control of the House and the Senate, one thing we may not see again for a while is the use of the Congressional Review Act (CRA) to stop regulatory rules. Back in 2017, the CRA was used to kill the BCFP’s arbitration rule. At that time, Republicans held the majority in both the House and Senate. This is good news for the debt collection industry, which has been asking the BCFP for guidance on how to comply with the Fair Debt Collection Practices Act in the modern world. Currently, the Bureau’s third-party debt collection rules are set to be released in March 2019. If the CRA is not used to stop the rules, then the industry will recieve the comprehensive guidance it has been waiting for.

One other election result that might be of interest to the industry is that Richard Cordray, the BCFP’s former director, lost the Ohio gubernatorial race. Former director Cordray stepped down from the top role at the Bureau in November 2017 to run for the role of Ohio’s governor.

DEFIANE, Ohio — Credit Adjustments, Inc. (CAI), a values-led, family-owned call center and receivables management company, has announced the hiring of Ricardo King as Chief Compliance Officer & General Counsel. In his new role, Ricardo will lead the compliance team, assume responsibility for all legal activities at CAI and ensure compliance with the relevant laws and regulations that govern CAI’s services. Ricardo brings a wealth of experience to the team, previously working in a variety of industries including private practice, Fortune 500, manufacturing, non-profit and healthcare.

“Ricardo has a vast array of knowledge that is very valuable and critical to CAI’s success,” said Lisa Bloomfield, President of CAI. “He’s an influential leader for our compliance team and plays a key role in guiding our organization through the legalities of our growth, helping us stay compliant at every level. I have full confidence that he is the right person for this critical role and am thrilled to welcome him to our Leadership Team here at CAI.”

With 24 years of experience, Ricardo joins the CAI team as a seasoned veteran. “One of the things that attracted me to this opportunity was the ability to work for an organization that is not only an industry leader in receivables management, but also one that is an active corporate citizen seeking to positively impact all of the communities in which they operate,” says King.

Ricardo grew up in New York City and moved to the Northwest Ohio area to pursue an undergrad in psychology at The University of Toledo, where he met his wife of 22 years. He then attended and graduated law school at the University of Notre Dame before moving back to Northwest Ohio where he and his wife raised their three sons.

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About Credit Adjustments, Inc.

Credit Adjustments, Inc. (CAI) is a world-class leader in receivables management. Founded in 1977 and headquartered in Defiance, OH, CAI has additional call centers in Toledo, OH, and Manchester, NH. CAI employs actionable analytics with experienced personnel to provide a fully secure suite of contact management solutions in first and third-party engagements. As a faith- based corporation, CAI believes it is part of the company’s mission to invest in our communities by partnering with other organizations to help address social issues. CAI follows the motto: Delivering Respect. Collecting Results. To learn more, visit: www.credit-adjustments.com/

Allied Interstate LLC and its parent company, iQor Holdings, Inc., reached a settlement with several California county district attorneys’ offices over call volumes and other debt collection practices. A stipulated judgment in the litigation was entered on October 30, 2018.

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According to a press release issued by the Santa Clara District Attorney’s office, Allied Interstate and iQor allegedly violated the Fair Debt Collection Practices Act, the California Rosenthal Fair Debt Collection Practices Act, and the Telephone Consumer Protection Act by “calling consumers with excessive frequency, sometimes hundreds of times and sometimes calling the wrong person numerous times; failing to cease calling even when advised that they had reached the wrong number; and using a robo-dialer, known as a ‘predictive dialer,’ to place calls to the cell phones of consumers without having adequate proof that the consumer had consented to be called on their cell phone.”

The legal action commenced on September 14, 2016, when the district attorneys’ offices of Los Angeles, Riverside, San Diego and Santa Clara counties filed suit. Throughout the life of the case, fourteen other county district attorneys’ offices in California joined as plaintiffs.

insideARM Perspective

Information about the substance of this case has thus far been limited to the district attorneys’ press releases. The Los Angeles County Court online case docket shows the actions taken in the litigation; unfortunately, a copy of the stipulated judgment is unavailable. However, insideARM obtained the following comment from iQor telling its side of the story:

To avoid the time and expense of further litigation, Allied Interstate LLC has reached a settlement with district attorneys representing the People of the State of California to conclude a 2016 lawsuit. The settlement involves no admission of liability or finding of wrongdoing. The case focused primarily on calls that Allied placed to certain California consumers dating back to 2011-2013. Allied maintains that such calls were lawful, including under California’s Rosenthal Act. Contrary to public announcements from the District Attorneys, the company does not engage in the practices addressed in the settlement and has long had robust compliance policies and best-in-class training to prevent them. Under its current leadership team, Allied has enjoyed an A(+/-) rating from the Better Business Bureau for the last three years and will continue to update its policies in response to the evolving law governing its industry.

SAN FRANCISCO, Calif. —  The City of San Francisco Office of the Treasurer and Tax Collector (TTX) exactly one year ago launched their first Cloud Financial Ecosystem, “CSS IMPACT! HD™ 2.0”. CSS, Inc., the developers of “IMPACT! HD™ 2.0” are the leading provider of Cloud Financial Ecosystem platforms for enterprises & government.

“Our first year on IMPACT HD 2.0 was a huge success! Through leveraging their robust and innovative automation tools, accessible workflow controls and the creativity and guidance from their devoted support team we greatly increased the effectiveness of our collection outreach, improved the efficiency of multiple business processes and enhanced the quality of the collection services we provide to our City government clients. This has been a great and valuable partnership,” said Jeff Smejkal, Assistant Director, Bureau of Delinquent Revenue CCSF Office of the Treasurer & Tax Collector.

CSS’s financial cloud architecture removes the debilitating costs of acquiring new technology and workforces to overcome fundamental day to day processes. Municipalities, like the City of San Francisco, have experienced a huge uplift in automation with CSS’s cloud Financial Ecosystem platform, enabling them to cost-effectively leverage the latest financial technology rapidly and with the added benefit of a streamlined workforce. This in turn frees the City’s veteran operations staff to focus solely on revenue management and customer service.

“The City of San Francisco is the leading authority in FinTech. We are honored & privileged to have been recognized by the City for our advanced Financial Ecosystem Technology, as well as becoming the City’s first ever approved Cloud platform. We look forward to a long partnership with the great City of San Francisco,” said Carl A. Briganti, President of CSS, Inc.

To learn more about how municipalities are leveraging CSS’s Financial Ecosystem cloud, please visit http://www.cssimpact.com/software/tax-information-platform-system or download our tax platform brochure at http://tax.cssimpact.com.

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About San Francisco – Office of the Treasurer and Tax Collector (TTX)

The Office of the Treasurer & Tax Collector serves as the banker, tax collector, collection agent, and investment officer for the City and County of San Francisco.

For more information, visit http://www.sfgov.org.

About CSS, Inc.

CSS is a leading provider of end-to-end cloud Financial Ecosystem platforms & Contact Center solutions for enterprises that generate & manage mass receivables, payments, recoveries & revenues. By delivering cognitive cloud Financial Ecosystems technology, CSS helps enterprises & municipalities improve and automate all their daily financial processes, consumer engagement & business process.

For more information, download our brochure at http://brochure.cssimpact.com or visit us http://www.cssimpact.com or call 877-277-4621.