We created Servicing Solutions when we realized that the financial services outsourcing industry was ripe for a shakeup.
We do things differently, bringing back the human factor into servicing the big companies, while championing the fintech industry’s up-and-coming entrepreneurs and helping them grow.
When you invest in real experience, everyone experiences the difference.
Bryan PinkhamChief Financial Officer
Cesar GuzmanChief Operations Officer
Andrew CoffeyChief Revenue Officer
Stephanie O’NealVice President of Collections
Cheryl RobertsVice President of Human Resources
Star ThomasVice President of Employee and Leadership Development
Corey BrownDirector of Client Relations
At Servicing Solutions, we dare to imagine, experiment and innovate to deliver the kind of superior service we like to receive ourselves. We act from experience, and our goal is simple – to bring that experience, ingenuity, talent, analytics and a technological advantage to an industry ripe for change. Servicing Solutions is on a mission to redefine portfolio servicing for good by changing the transactional client experience to one that is more collaborative, relational and transparent.
We come from every corner of the United States and we’re proud of our diverse and inclusive workforce. Our executive management team averages 25+ years working together. The upper and mid-level management teams have worked together on average 15+ years. We love working together and we do it well, having walked in your shoes. We’ve serviced our “own” portfolios at several different organizations and understand your challenges and see your opportunities.
We have serviced portfolios experiencing hyper growth and have turned around many underperforming portfolios. We leverage our experience to implement best practices with an appropriate blend of new and emergent technologies, balanced with genuine, face-to-face interaction. As a result, our clients benefit from a fresh approach to loan servicing focused fully on the overall customer journey and the bottom line.
Del Meeks, a seasoned executive with a background in finance and business, is the CEO of Servicing Solutions. Del initially joined the company as the CFO and has since stepped up to lead the company into the future. Before joining Servicing Solutions, Del was the CEO of Ralis Services, where he oversaw the company through a significant expansion phase, achieving substantial revenue and profitability growth. Del has also held senior executive positions, including Chief Financial Officer at CashCall and various executive positions in finance and operations at Ingram Micro.
Del’s ability to comprehend complex business matters and his in-depth knowledge of finance are highly regarded in the industry. His strategic vision and leadership will enable Servicing Solutions to adapt to the ever-changing industry landscape. Under his direction, Servicing Solutions will successfully provide innovative flexible staffing, Loan Servicing and specialty servicing solutions.
Throughout his career, Del has demonstrated a deep understanding of finance and its role in driving business growth. He has a proven track record of success in leading teams and collaborating with stakeholders across various functions. Del is a results-oriented leader with a passion for innovation and strategic thinking. He is committed to delivering outstanding results for clients, driving the company’s success, and inspiring the company to innovate and achieve its full potential.
Cesar brings over 20 years of experience within the loan servicing industry to this role. He oversees the day-to-day servicing operations across multiple locations. Cesar’s calm and steady leadership, combined with his commitment to creating and fostering a learning culture and an exceptional work environment, are the driving forces behind our ability to ensure we exceed all of our clients’ performance standards while providing first- class customer service.
Cesar’s most recent position was as the Vice President of Loan Servicing for LoanMe, Inc. where he was responsible for overseeing the day-to-day operations of the company’s servicing department. He was responsible for establishing and enforcing the company’s loan servicing policies and procedures, and making adjustments as necessary based upon risk and portfolio performance. Cesar also had oversight of training and development materials, and served as the primary liaison between department heads and the CEO. Cesar’s role was expansive, and also included presentations to investors, approval of third-party vendors, and sitting on the company’s internal compliance committee.
Earlier in his career, Cesar served as the Vice President – Operations for Delbert Services Corp., Director of Recovery at CashCall Inc., and Area Manager – Asset Recovery for Household Finance/HSBC. Cesar holds a Paralegal Certification from the University of San Diego.
Robert J. Caracciola
Robert has been leading Compliance and Quality Assurance efforts in the Financial Services sector for over 15 years. His unique combination of skills and practical experience makes him the ideal person to oversee Servicing Solutions’ efforts in these areas. With the abundance of Federal and State consumer finance regulations in existence today, Robert’s guidance is essential to ensuring that Servicing Solutions always provides outstanding service to our clients and their customers, while maintaining strict adherence to all applicable regulatory requirements in every jurisdiction in which we operate.
Prior to joining Servicing Solutions, Robert served as the Chief Compliance Officer for LoanMe, Inc., a California-based lending company. During his time with LoanMe, Robert created and implemented a Compliance Management System for the company, authored regulatory compliance policies and procedures, and oversaw a Quality Assurance department responsible for ensuring ongoing compliance with those policies. He worked directly with the training department to ensure that all front-line staff knew the regulatory requirements and understood how to remain in compliance when speaking with external stakeholders. His oversight of the Internal Audit team helped to ensure that employees at all levels and in all departments were adhering to company policies.
Robert’s earlier experience included serving as the Manager of Contact Center Channels Audit and Compliance Controls for Capital One/HSBC, and as the VP of Credit Operations for HSBC/Household International.
Robert earned his Juris Doctorate from Concord Law School, and his B.S. in International Business at San Diego State University
Andrew brings more than 20 years of sales and management experience to Servicing Solutions. With a firm belief that the client sits at the top of the organizational chart, he is committed to delivering value, and fostering a transparent and customer-centric environment throughout the organization.
Andrew is a process-oriented executive who is focused on creating efficiency, maximizing productivity, and implementing best practices, all with an eye towards continuous improvement.
Above all, Andrew believes a great organization consists of smart, creative, and passionate individuals who offer great ideas for solving problems and the skills to execute.
He has significant experience in developing highly valued business relationships with enterprise accounts and advancing complex sales cycles. He is particularly adept at developing creative business solutions that create true value for customers.
Prior to joining Servicing Solutions, Andrew served as National Director of Sales & Marketing for GC Services. He previously held senior sales and management positions at Pypestream and Noble Systems Corporation. He is a graduate of The State University of New York, Stony Brook.
Kris is responsible for all aspects of identifying and attracting new hires for the company, along with overseeing all training initiatives for new employee training, performance enhancement, and employee development. Kris brings over 30 years of experience in staff and leadership development, performance improvement, functional learning, and change management to this role. Her expertise includes instructional design, creating professional development programs, leadership development, and project management.
Prior to joining Servicing Solutions, Kris served as the Director of Employee and Leadership Development for LoanMe, Inc. While at LoanMe, Kris directed the design, development, implementation, and evaluation of all training, including New Hire, Ongoing, Compliance, and Leadership Development. She also took on the challenge of overseeing the Talent Acquisition function for the company’s servicing division.
Kris’ career has included earlier roles as the Sr. Director of Training for Zenith Education Group, Director of Leadership Development for ACC Capital Holdings, and Director of Organizational Development for AMC Mortgage Services amongst others. She also served as a Board Member for the Orange County Chapter of the Association for Talent Development.
Kris holds a Bachelor of Science in Business Administration and a Master of Public Administration, both from California State University, Long Beach.
Sean oversees a development and implementation team that is responsible for all technological considerations for the company’s loan servicing clients. From onboarding through ongoing loan servicing, his team ensures that clients have the appropriate technology tools for all aspects of their businesses, including customer service, collections, payment processing, reporting, business analysis and risk analysis. In addition, Sean has built several predictive models to measure the probability of repayment based on historical performance data.
Sean held previous positions at LoanMe Inc., Ameriquest Mortgage Company, Option One Mortgage Corporation, Household Finance, and CashCall, Inc.
He is a recent winner of Auto Remarketing’s prestigious 40 Under 40 recognition.
A founding member of the Servicing Solutions executive team, Andrew brings over 25 years of experience as a senior call center and customer experience management professional.
Known for his motivating and enthusiastic management style, he draws upon his deep operational background to play a critical role in the full lifecycle of our client relationships, from the initial sales and planning process through onboarding and ongoing client strategy and support.
Andrew has an unparalleled track record of success in starting, building, and improving the performance of Customer Experience and Loan Servicing teams. His experience boasts an impressive variety of servicing business models in both Prime and Sub-Prime asset classes across various portfolio types.
Before Servicing Solutions, Andrew held leadership positions at LoanMe Inc., CashCall Inc., Onyx Acceptance and Downey Savings & Loan.
John J. Cruz
Bryan Pinkham is a highly accomplished finance executive with over 20 years of experience in Accounting and Treasury functions, including 15 years in the mortgage industry. He has worked for several large organizations, such as Owning Corporation, Ralis Services, Kinecta Federal Credit Union, and Citi Residential, where he served as a Treasury Manager managing corporate liquidity through $29B in funding from investment banks and capital markets. At Owning Corporation, Bryan served as Vice President, overseeing warehouse line management, treasury, and financial reporting oversight. He also assisted with startup duties, forecasting, warehouse line setup, loan accounting processes, and management reporting as the Director of Finance at Ralis Services.
Bryan is highly skilled in financial forecasting, short-term cash flow projections, and accounting process development, with a broad understanding of financial management, accounting principles, and financial analysis. He has a proven ability to build and motivate high-performing teams and provide strategic financial guidance to executive teams. As the CFO for Servicing Solutions, Bryan manages the company’s financial operations and provides strategic financial guidance to the executive team. Bryan received his bachelor’s degree in Accounting from the University of Washington.
Star Thomas is a operations professional with a wealth of experience in employee and leadership development. As Vice President of Employee and Leadership Development, she draws on her extensive background to lead teams and create strategies that inspire growth and advancement within organizations. Star has been instrumental in the design, development, implementation, and evaluation of all training, including New Hire, Ongoing, Compliance, and Leadership Development. With over 25 years of experience in the financial services industry, Star has developed a comprehensive skill set that includes cross-functional team leadership, organizational development, project management, and business-to-business (B2B) expertise. She has served as a Director of Compliance and Payment Processing, Director of Quality Assurance, Employee Development Manager, and Collections Manager in companies such as LoanMe, CashCall Inc., Delbert Services Corporation, Bank of America, Citibank and Sears Credit.
Star’s leadership experience extends beyond the financial services industry. She co-founded Work Image Network (WIN), a program established in 2009 to provide educational career development to military veterans returning to civilian life. WIN helped veterans with their transition back into the workforce by providing job placement education, support, and mentorship. Star’s current role allows her to leverage her experience in employee development and quality assurance to create impactful strategies that inspire growth and foster employee advancement. Her ability to manage all new hire and leadership development, as well as manage Quality Assurance and Compliance teams, makes her an invaluable asset to any organization. Overall, Star Thomas is an accomplished leader with a wealth of experience and a passion for employee development. She is well-positioned to guide Servicing Solutions towards success by creating and implementing innovative strategies that promote employee growth and leadership advancement.
Cheryl Roberts is a highly experienced and accomplished professional with 23 years of experience in Human Resources. As Vice President of Human Resources, Cheryl brings her extensive knowledge and expertise in this field to the organization, having worked for companies in the technology, tech accessory, and finance and lending industries. Throughout her career, Cheryl has led organizations in the areas of change management, diversity and inclusion, growth, and organizational development. Her background includes core competencies in human resources policies, programs, employee relations, health and wellness, organizational development and learning, and compliance with all applicable federal, state, and local laws. Her broad knowledge and insight have been essential in helping the Human Resources team to support the organization’s leaders and integrate human resources initiatives into the strategic goals of the organization.
Cheryl’s wealth of experience has allowed her to excel in various HR areas, from talent acquisition and management to employee development, compensation and benefits, and employee engagement. Her deep understanding of HR best practices, coupled with her exceptional interpersonal skills, has helped her build and maintain positive relationships with all stakeholders across the organization. As a leader, Cheryl is known for her innovative and strategic approach to problem-solving, which has enabled her to make significant contributions to the success of the organizations she has worked with. Her expertise in navigating complex HR challenges has made her a valuable asset to every company she has served, and her commitment to excellence has helped her create a positive and supportive work environment for employees. She is a valuable asset to the Human Resources team and an instrumental player in integrating human resources initiatives into the strategic goals of the organization.
Stephanie O’Neal is a seasoned professional in the Auto Industry with over 33 years of cross-functional management experience. She has a proven track record in all facets of servicing loans, including Audit, Quality Assurance, Titles, Insurance, Customer Service, Collections, and Asset Recovery. As an accomplished leader, Stephanie is known for her performance-driven attitude in process, production, and call center environments.
She is a skilled project manager with extensive experience in compliance and organizational skills, making her proficient in comprehending and applying modern technology. Stephanie’s ability to manage multiple products and teams is unparalleled, making her a valuable asset to any organization. Stephanie’s strengths include developing and managing multiple sites, policy and compliance implementation, improving processes, developing call quality, effective communication and presentation, team building and training, and asset recovery management. She has also excelled in deficiency and litigation collection, system conversion, and employee satisfaction enhancement.
Stephanie’s comprehensive understanding of modern technology has enabled her to implement efficient systems that improve productivity and reduce costs, resulting in significant savings for her employers. Her leadership skills have been honed over the years, and she has become a sought-after mentor, coach, and motivator for her teams. Stephanie’s ability to develop and execute test scripts has made her a subject matter expert in system conversion, resulting in a smooth transition for her organization. Stephanie’s extensive experience in asset recovery management has made her a leading expert in the field. She has an outstanding track record of recovering assets that were previously thought to be uncollectible, making her an invaluable resource for financial institutions. Her expertise in deficiency and litigation collection has also led to successful outcomes for her employers, ensuring that they recover as much money as possible.
Stephanie has worked with some of the most prominent names in the Auto Industry, including GMAC, HSBC Auto Finance, Wells Fargo Dealer Services, and Mechanics Bank Auto Finance, before joining Servicing Solutions. Her experience in these organizations has honed her skills, making her an asset to any organization.
Corey J. Brown is a highly accomplished professional with over 22 years of experience in the contact center space. Currently serving as Director of Client Relations, Corey is known for his analytical mindset and performance-driven approach, which has helped him achieve success in all phases of Loan Servicing, including Training, Customer Service, Collections, and Asset Recovery. As a business finance professional, Corey has consistently raised the bar for his organizations, helping to reduce costs and improve revenue streams. He is a seasoned leader who has demonstrated mastery in planning, organizing, and directing the execution of day-to-day business management processes for high-growth organizations. His extensive strengths and experience in effective communication, leadership, team motivation, accountability, and team building have allowed him to add significant impact in reinforcing a positive journey and experience for his customers.
Corey has cultivated constructive and cooperative working relationships throughout his career, fostering a friendly, non-competitive environment that values active listening, initiative, and innovation. His commitment to customer satisfaction has been honed through his work with various companies in the Auto industry and Personal Finance, including United Auto Credit (UACC) and Ace Cash Express. Through his experience with these organizations, Corey has developed an exceptional ability to analyze customer complaints and develop and employ strategic initiatives for timely resolution.
Corey is a results-driven leader with a proven track record of success in the contact center space. His expertise in business finance, effective communication, and team building has allowed him to add significant value to every organization he has worked with, and his commitment to customer satisfaction has helped him create a positive journey and experience for his customers.