Claims Recovery Financial Services, LLC (CRFS), is the leading provider of claims processing management solutions. We process Post-Foreclosure FHA, VA, MI and Investor Claims, provide loss analysis review, consulting and training for lenders, mortgage service companies and other financial institutions throughout the U.S. Founded in 2002 and headquartered in Albion, NY, we employ nearly 500 individuals.
As a leader, we streamline the filing process—increasing quality and compliance across all post-foreclosure default related services. Our unmatched quality, timeliness and experience will reduce credit losses, maximize claim recoveries and allow the reallocation of vital internal resources in order to increase our clients potential for generating capital.
Client’s total satisfaction is a key measure of success; such as audit results, timeframe performance and recoveries from investors and insurers. Many of our clients have experienced a 90% or greater reduction in penalty levels, on-time compliance exceeding 99% per claim filed and “Multiple Zero HUD Audits”.
Process management diversity coupled with a flexible organizational structure delivers products and services that are indiscriminate of both portfolio composition and size. By offering a diverse mix of products and services, designed to function both independently or in a bundled approach, we increase the total value received on an investment made in us.
Meet the Executive Management Team
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Jodi Gaines
CEO/Founder
As CEO, Ms. Gaines has built CRFS into a highly successful and respected industry leader offering a full range of claims management solutions. From its inception in 2002, she has been instrumental in growing the company from just one employee to nearly 500 employees and servicing numerous clients throughout the US. With over 24 years of default and claims industry experience, she brings a wealth of knowledge and insight. She regularly attends industry conferences, and is often asked to speak on various panels, including those responsible for the development of claims standards & procedures for the industry.
Ms. Gaines established a Claims Working Group along with HUD, which includes numerous representatives from HUD, MBA, various vendors as well as representation from more than 15 Servicers nationally.
Prior to starting CRFS, she previously held various management roles at Washington Mutual, North American Mortgage, Dime Savings Bank and Anchor Mortgage Services. Ms. Gaines was announced as a 2010 member of the prestigious Presidential Who’s Who Organization and is an active member of the Mortgage Bankers Association, Default Attorney Group and her local United Way organization.
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Scott Ahrens
Vice President of Information Technology and Information Services
Scott is charged with leading CRFS’ transformation of Information Technology, Information Services and Project Management into a “Best in Class” organization. Scott brings over 20 years’ experience in both management and leadership across various business and technology platforms.
Prior to coming to CRFS, Scott has held several roles at Microsoft within information technology, sales, marketing and operations but is best known for the critical roles he played in the establishing Six Sigma and Lean tools to critical business OEM processes. He has also held Senior Management positions in some of the world’s most innovating technology companies such as PAETAC Communications and XEROX.
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Anthony Di Staulo
Vice President of Client Relations and Marketing
Anthony is responsible for all aspects of the company’s client relations, vendor relations and marketing efforts. He is charged with championing an environment of building strong client relationships and commitments. Additional responsibilities include new business development, client implementation, contract review and negotiations, client retention, liaison between the client and CRFS’ operations team and all company wide marketing and public relations initiatives.
Prior to joining CRFS in October 2010; his background includes several key sales and marketing management positions in companies such as Lender Processing Field Services, Prudential Financial and Nestle USA. Anthony holds an M.B.A in International Business and a B.S. in Organizational Management. He is also an active member in various associations; the Default Attorney Group (DAG) and National Association of Mortgage Field Services (NAMFS) along with his local Habitat for Humanity organization.
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Sean Snook
Vice President of Operations- Conventional Claims
Sean is responsible for managing the day-to-day operations for the filing of all conventional claims (FNMA, FHLMC and MI), managing Payment Follow-up and Explanations of Benefits (EOB) group, and keeping abreast of any current industry changes.
He has more than 12 years experience providing operational support and training. Prior to CRFS, Sean worked in various management roles at Washington Mutual. During his tenure there, he was responsible for cash application receivables, training and customer service.
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Lisa Hildreth
Vice President, Consulting Division
Lisa is responsible for managing all aspects of CRFS’ Consulting Division and is accountable for the management of consulting services provided by CRFS centered around default mortgage servicing. Lisa’s vast management background is instrumental in working with various clients to identify opportunities for training needs, process improvement and other default solutions.
Lisa has over 28 years of mortgage servicing experience with a primary focus in Default Management. Prior to joining CRFS, Lisa held the position of Default Late Stage Manager with Cenlar FSB where she was responsible for the day to day operations of the Foreclosure, Bankruptcy, Default Compliance and Post Sale Departments. Lisa’s background also includes various management positions with North American Mortgage/Dime Savings Bank, Key Bank and Franklin Credit Management Corp.
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Lynette Richter
Default Consulting Manager
As the Default Consulting Manager Lynette provides on-site consulting and training services to various clients. She is responsible for providing recommendations and assistance to clients in the areas of time -line management, performance based reimbursement structures and ways to reduce costs for investors, insurers and servicers.
With over 25 years’ management, technical, and consulting background in the mortgage servicing profession, Lynette has performed Servicing and Claims HUD Audits on behalf of the U.S. Department of Housing and Urban Development. Additionally, she has managed the oversight of a nationwide attorney network audit program and provided onsite technical assistance to lenders during HUD Audits. Prior to CRFS Lynette was the Director of Quality Assurance with the consulting firm Lyons McCloskey, LLC.
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Dan Zatkos
Human Resource Manager
Dan joined CRFS as human resource manager in March 2010. As a member of the leadership team, he is responsible for providing ongoing counsel, guidance and support to management on a broad range of human resources and business issues including talent acquisition, compensation, employee relations, communications and organizational and operational effectiveness.
Previously, Dan served as Director of HR for Barden Homes. Additional experience includes a broad range of operations and human resources positions in the hospitality industry with a variety of companies including Ruby Tuesday, Inc and Adams Mark Hotels. Dan holds an MBA from Canisius College and a BS from Florida International University.
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Kelly Sargent
Special Projects Manager
Kelly works closely with the CRFS management team to plan, organize and manage resources to bring about the successful completion of specific company project goals and objectives. Kelly joined CRFS in August 2007 and served as human resources manager until September 2010 when she became project manager.
Kelly is a United States Air Force Veteran with over 21 years of administrative, recruitment and leadership experience. Military schooling completed: Administrative specialist technical training, 3 levels of supervisory and leadership training, recruiting technical training, 2 levels of Professional Selling Skills courses and senior military recruiting liaison management training.
