Who we are.
Headquartered in Toronto with a Montreal presence, our team is dedicated to offering clarity and providing solutions for our clients who range from banks, insurance, telephony companies, credit providers, and public/government institutions in accounts receivable management. We partner with industry leaders to provide unique models and unparalleled results.
As SCORE's leading principal, Stephen's role is to help maximize a client account receivables process. His focus is entirely on optimizing the return of accounts receivables for SCORE's clients.
He is a master of creative discourse to assess client needs and has the depth of experience to make recommendations for the best possible solutions to improve productivity. His vision for SCORE is to offer solution-based answers utilizing models and analytics for the account receivables industry.
Stephen's reputation as an expert in the collections industry is well known and includes a deep understanding of collections during his 12-year tenure at Canadian Bonded Credit as CEO. There he grew the company through innovative marketing strategies and acquisitions to become the largest privately held Collections Agency in Canada. His efforts helped the company write more than a billion dollars in business annually.
After this accomplishment he moved to Equifax to manage account receivables where he was exposed to the front-end adjudication process with its decisioning solutions. In 1996 Stephen took his expertise along with these modeling analytics – that weren't available yet in Canada – to SCORE with founder Kevin Leonard.
Stephen holds a MBA from Rutgers University. He also has a BA from the University of Notre Dame, so he is by no surprise a huge fan of the Fighting Irish.
Chief Operating Officer
Richard Yap is currently the Chief Operating Officer at SCORE Statistical Consulting. Since joining SCORE in 2000, Richard has focused on developing generic and customized account management, collections, and dormant debt scorecards using credit bureau data in Canada and the United States. He has also developed and implemented various initiatives such as responder models, rule bases, credit bureau comparisons, and decision support systems for financial institutions, collection agencies, and debt purchasers/sellers, and insurance companies. Richard has also built predictive models that are used by Canada’s top insurance carriers in the property and casualty segment.
Richard has responsibility for the BPO vertical within Score, managing $850 million in credit card receivables on behalf of clients, He also supports the brokerage of distressed receivables for Canadian Banks, with over $7 billion in charged off and insolvent debt sold to date.
Richard holds an MBA from the Schulich School of Business, and is currently a board member of the Canadian Scoring and Risk Management Association (CSRSA). Early in his career Richard played various roles in health-related research programs and management in the education field.
Louis has been with SCORE for almost 10 years and acts as a product specialist for collection agencies and several major corporations in Canada. He consults, trains, develops agency staff and assists in the implementing processes within collection operations to improve performance, output and profitability. Louis is active in all major credit and collection associations in Canada and the US. He enjoys speaking at events, teaching and contributing to the advancement of recovery science and competency.
Louis has a wealth of knowledge and was introduced to delinquencies and recovery operations, while working at Equifax Canada. There he helped merge the company’s regional offices and consolidated outsourcing and corporate services.
Louis has also worked for the US-based insurance company Provident to plan and execute the operational merger and integration of two major insurance companies in Canada. Louis also developed a national support call centre in Burlington, Ontario.
Louis received a degree in Business Administration and Finance from Sherbrooke CEGEP in Quebec and a BA in Applied Psychology at York University's Glendon College.
Scott Laitinen has more than 20 years experience in retail financial services working in various roles from finance, operations, risk management to business development. He was the Chief Risk and Operating Officer for Presidents Choice Bank from 2008 to 2013.
There, Scott managed relationships for the Office of the Superintendent of Financial Institutions (OSFI) through his involvement with various anti-money laundering, credit, liquidity and compliance reviews. He also created and implemented enterprise risk management frameworks for Enterprise Risk Management (ERM) within Presidents Choice Financial which included setting risk appetite, quarterly and annual stress testing. While at Presidents Choice Bank, Scott also led the creation of a new Capital Adequacy Assessment Process (ICAAP), following an OSFI review.
Prior to his tenure at President Choice Bank, Scott led the application process for the establishment of Sears Canada Bank in 2004, as well as the initial development and set-up of Sears MasterCard in 2003. Additionally, Scott was involved in multiple card co-brand negotiations including the original Aerogold, Ford Card, Air Miles, Costco, and Best Buy cards. This included, among other things, leading contract negotiations with new partners as well as managing product launch teams.
Scott completed his undergraduate studies at the University of Toronto, and holds CMA/CPA designation.
Consultant, Business Development
Murray Langill has more than 20 years' experience in credit bureau services working in various roles in sales, analytics, data consulting and business development. He has held positions at Creditel, Equifax and TransUnion. Murray has managed and grown relationships with credit issuers across Canada and has provided Canadian credit bureau insights to several North American, new entrants and vendors alike.
He has also been involved in product development, credit data consulting and is a SME for credit bureau data in Canada. Murray’s creativity and ability to turn and opportunities into products that help Canada FI’s reduce costs and grow profitably.
Murray received a Honours degree in Environmental Studies from the University of Waterloo and is currently the president of the Simcoe County Children’s Aid Foundation.
Don Hale has over 30 years' experience in retail financial services. Don started his career with a small trust company and subsequently moved to Canada Trust in 1993 where he was initially hired as a retail branch manager. Over the next 16 years, Don enjoyed a very diversified career with TD Canada Trust where he was afforded the opportunity as an executive to oversee TD Canada Trust’s adjudication, fraud, collection and call centre operations. In addition to these operation roles, Don also lead the unsecured lending product area which included P&L responsibility for all non-credit card products.
In 2009 Don moved to Paradigm Quest (a mortgage BPO) as SVP, Customer Service and Collections during which time he was responsible for Paradigm’s customer service and retention strategies as well as delinquency management, product and policy.
In 2012 Don accepted a position with FCT (First Canadian Title) in his hometown of Oakville where he was initially responsible for managing and repositioning a property valuation insurance product. In 2014 Don moved on to lead as President and CEO, FCT’s Default Solution’s division which provides technology and consultative products to Canada’s receivable’s management industry.
Vice President, Business Development
Having spent over 20 years of progressive leadership roles within the Financial Services Industry, Lee Medeiros is now a proud partner and VP of Business Development for Score Statistical. During her 20-year career, Lee has held numerous senior roles in Sales, Sale Management, Business Development, Product Information and Marketing.
With her proven track record of identifying, creating and building opportunities she has helped several organizations deliver double-digit growth. Her comprehensive understanding of client needs and marketplace direction has resulted in many deep and long lasting business relationships including development of strategic partnerships to optimize business growth.