About Us

About Us

About Us

Persolvo Data Systems is the leading aggregator of account information of debtors enrolled in Debt Settlement Programs. The Persolvo Web-based settlement portal, CONCERTO 3.0, was created to bridge the gap between creditors, debt buyers and collection agencies and leading debt settlement companies. The system uncovers lost settlement opportunities by locating hard to find debtors with highly-liquid settlement savings accounts enrolled in Debt Settlement Programs.

Using CONCERTO 3.0, creditors, debt buyers and collection agencies can immediately locate these hard to find debtors, analyze the pre-approved savings balances of individual debtors, submit lump sum or term settlement offers to multiple debt settlement companies simultaneously, and monitor or evaluate accounts for future settlement opportunities.

The Persolvo system provides the most up-to-date information about debtors enrolled in Debt Settlement Programs and provides a streamlined process to evaluate and maximize portfolio liquidation rates while being able to submit bulk settlement offers to multiple Debt Settlement Companies with just the click of a mouse.

Persolvo’s CONCERTO 3.0 system exposes lost settlement opportunities while significantly lowering the cost of collections and increasing liquidity rates.


The Persolvo Management Team

Teresa Dodson – Chief Operating Officer

Teresa Dodson serves as Managing Partner/Chief Operating Officer of Persolvo Data Systems.  Persolvo Data Systems was the first software product of its kind to be developed and has revolutionized the way banks and settlement companies do business today. Her background includes over 9 years of experience in the debt settlement industry. Teresa has run three of the largest debt settlement firms in the country and during those years worked relentlessly trying to bridge the gap between Debt Settlement Companies and Creditors.

She also serves on The American Fair Credit Council (AFCC) http://americanfaircreditcouncil.org Executive Board for 5 years and won the Presidents’ award for her contributions to the organization as well as Chairing both the Conference and Creditor Relations Committees. She has been advisor in the financial industry for over 7 years and has spoken numerous times nationally as a guest speaker at Financial and Collection Industry conferences.  At Persolvo Data Systems their technology has successfully automated the settlement process between debt settlement companies and Creditors, Collectors and Debt Buyers.

Teresa’s background also includes 20 years of corporate leadership experience in running Advertising agencies who specialize in technology, medical and health industries. She has successfully directed company management in achieving desired levels of growth and demonstrated the ability to combine visionary, strategic, and tactical operational expertise to produce bottom-line results and financial strength. She has a proven track record of increasing an organization’s efficiency, enhance productivity and has led successfully from small start ups to medium sized organizations that have evolved into large corporate entities. Teresa is known for her commitment and passionate approach to everything she does to deliver effective results.

 Jeff Dickey – EVP of Sales and Marketing

For over two decades, Mr. Dickey has worked exclusively with startup companies in the areas of financial services and accounting, diagnostic imaging, real estate, rollups, the internet, and enterprise energy management.  Since 2004, Jeff has worked in the financial services industry focusing on the debt collection space as EVP of Sales and Marketing for two technology startups offering online debt collection services to credit card issuers, debt buyers and collection agencies. Through his extensive experience in sales, marketing and operational strategy, Jeff has developed a unique and diverse skill set to rapidly develop and scale technology organizations.

Currently Jeff serves as EVP of Sales and Marketing for Persolvo Data Systems in Irvine, CA where he is responsible for all aspects of sales and marketing.  In addition to his marketing and sales responsibilities, Jeff led a team to reengineer a fully PCI Compliant version of the company’s web-based collection application; Concerto 3.0.  During his tenure at Persolvo, Jeff was also responsible for creating a strategic partnership with Experian, to develop a new credit reporting product for the debt settlement industry.  In addition to his current duties at Persolvo, Jeff also consults for several debt buyers.

Prior to joining Persolvo, Jeff served as the EVP of Sales and Marketing for Apollo Enterprise Solutions in Irvine, CA where he helped launch the company’s web-based collection platform.  Jeff directed all marketing activities and led a sales and business development team in the US, Europe and Japan.  Jeff was responsible for creating several strategic partnerships while at Apollo; in the US with IBM and Experian, and in Japan with NTT DoCoMo and Information Systems International Dentsu (ISID).

Jeff has also served as a technology consultant, sales consultant and marketing consulting to numerous companies in the medical and dental fields.  He has been retained by companies to consult on product development, technology implementations, product rollouts and international expansion.

Heather Mlodzinski, Director of Client Management

Heather wears many hats here at Persolvo and it’s because she can pull it off. Heather has an extensive background in account management, sales and marketing. She’s done everything from database administration to new business development. Heather currently is our Sr. Account Manager here at Persolvo. She oversees all administration, reporting, servicing client accounts and provides training to our clients. She brings a great positive attitude to everything she does and is committed to finding more efficient ways to do things.

William Mlodzinski – Account Manager

Will comes to us from the United States Marines Corps. He has documented success in the implementation of  improved programs, training/cross-training of  personnel, and increasing productivity through innovation and adherence to quality standards. Skilled communicator accustomed to cross-functional coordination and procedural documentation. Will works as an Account Manager for over 2 years with Persolvo. He handles most technical training for our clients. Will is currently on active duty serving our country and we are looking forward to his safe return.

David VanderVeer, CTO

David VanderVeer has spent the past 20 years working in the real time world of computers. He founded WebCreators, Inc. in 1995 after spending 7 years working as a Microsoft and Novell certified network engineer, with WebCreators he built a reseller network of more than 400 private label resellers selling the WebCreators technology. We are very pleased to have Dave head up our software development team. He started in the Debt Settlement business more than five years ago when WebCreators started writing software for the Debt Settlement industry, he got to learn the entire industry first hand while working with one of the largest debt settlement companies in the industry. So his knowledge and expertise and understanding the needs of the industry is impressive. David knew that by combining solid business practices with technology and automation he could drive down the cost of debt settlement and make it more accessible to more people.

Courtney Couch , Technical Consultant

Courtney consults with Persolvo to oversee the recruitment, building and management of the technology team that is responsible for building Persolvo.  He is responsible for turning the vision for the Persolvo’s technology into reality through his team. He has been creating and building technology businesses for the last 14 years.  He spent time living in India building a technology outsourcing business from the ground up to complement development projects his team was working on pertaining to different startups he has been involved in.  His first-hand experience in building outsourced businesses gives him a unique and valuable insight into strategies for building large complex technologies at a low cost. His diverse and broad experience over the last 14 years in the IT world gives him the unique ability to keep companies ahead of the curve, and less expensive than the competition.  Having a knack for technology business trends, a genuine talent for understanding technology has kept him at the forefront of the industry.


Strategic Advisory Board

Dan Buell, Vice President-Credit Services Marketing – Experian

Dan Buell Experian

Mr. Buell joined Experian (EXPN.L) in 2005 and is the Vice President of Product Marketing. In his role Mr. Buell is responsible for leading Experian’s collections business. Specifically he oversees development, product management and support, marketing and strategic partnerships. Prior to joining Experian Mr. Buell served as the Chief Operating Officer for Singer, Bach & Associates, a niche B2B servicing agency, Business Unit President of MarCom Technologies/Americall Receivables Management, a Teleperformance Company (ROCH: Paris Stock Exchange), Chief Operating Officer for Machol & Johannes, P.C., Director of Information Services for OSI and Sr. Systems Analyst for software developer Ontario Systems.

John Furjanic, President – ROI Solutions

John Furjanic

Mr. Furjanic is a 20-year veteran of Citigroup where he held a number of senior executive positions in risk management, including Executive Vice President, serving as Senior Credit Officer and Group Credit Director for Citigroup’s Global Consumer Bank. John has also served as a member of the Executive Management Committee for Diners Club North America from 2000-2006 and has managed numerous assignments in more than 35 countries around the world.

Carmine Dorio, Senior Vice President – Progressive Financial Services Inc.

Mr. Dorio brings over 42 years of experience in the credit and collections industry to Persolvo’s Strategic Advisory Board. Mr. Dorio joined the credit card division at Citigroup in 1967 and later continued his distinguished career as a senior executive with such credit card issuers as Bank of America, American Express and Washington Mutual. A noted authority on credit and collection policy, risk management and the debt settlement industry, Mr. Dorio is a noted speaker at numerous credit and collection industry conferences.

Michael Walker, CEO – Payment Program Management Corporation

Mike Walker

Mr. Walker is the Co-Founder & Chairman of Payment Programs Management Corporation, an Omaha-based specialty financial services company that provided outsourced credit card management services to the Department of the Navy. Mr. Walker also served as Senior Vice President and Chief of Staff for First Interstate Bank and later went on to become the CEO of First Interstate Bancard. He has also served as COO for Apollo Enterprise Solutions and has held senior executive positions with First Data Corporation where he was responsible for all products and services in the areas of new account generation, loyalty management and core account services.

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