Who we are.
Headquartered in Toronto, 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.
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 Executive Officer
Richard Yap is currently the Chief Executive 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 $1 billion in credit card receivables on behalf of clients, He also supports the brokerage of distressed receivables for Canadian Banks, with over $12 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.
Shawn O’Flanagan started working in the Accounts Receivable Management industry in 1992 with Allied International Credit / Bill Gosling as an agent managing post-charge off accounts for various Financial, Retail, and Commercial clients.
During his tenure with AIC / BGO, Shawn held various position as Manager Client Services, Operations Manager, VP Operational Excellence, and VP Operations. As VP Operations, Shawn managed both pre- and post-charge off programs for US and Canadian clients across multiple sites. Shawn joined SCORE in January 2019 as an Operational Consultant, acting as a liaison for Agencies handling SCORE’s outsourcing portfolios of charged-off accounts.