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About Us

Humaitrix, formerly Turnkey Risk Solutions (TRS), is a Risk Management company led by recognized subject-matter-experts with extensive Analytical, Investigative, and Operational experience. We specialize in developing tools and services that protect organizations from the vast array of First Party Fraud Risks businesses face every day. Our primary focus includes Synthetic Identity, Credit Abuse, Credit Bust Out, as well as, Anti-Money Laundering (AML) and Know Your Customer (KYC).

The Humaitrix Difference

First Party Fraud Risk issues present significant challenges in identification and resolution. The risks are complex and current solutions provide insufficient detection. Operational costs are high due to increased false positives rates and lack of appropriate prioritization.

 

The Humaitrix Difference

 

Humaitrix provides precise targeting, next generation solutions, operational integration and training to effectively identify and combat these emerging threats.

The Humaitrix Advantage

The Humaitrix Advantage

Humaitrix has developed a unique approach leveraging innovative methods for detecting risk for our Customers and their clients. Our solutions were built from first-hand experience performing forensic analytics on case evidence from a number of high profile investigations of Organized Syndicated Fraud activity. This combined with our Acquisitions, Authorizations, Credit, Fraud, Payments, and Investigations experience across multiple Consumer and Business products has created unique insights into solving this complex puzzle. Humaitrix will leverage your existing framework to facilitate speed-to-market solutions that are tailored specifically to satisfy the diverse needs of clients’ individual Customer segments.

Leadership Team

The Humaitrix team is widely acknowledged throughout the Financial Services Industry, as well as Federal and Local Law Enforcement agencies across the country, as subject-matter experts for First Party Fraud.


John J. Leehy, III

John J. Leehy, III

Chief Executive Officer

John Leehy is the Chief Executive Officer of Humaitrix. With more than three decades of outstanding leadership and entrepreneurial success, Mr. Leehy brings both passion and expertise to the Humaitrix team. Throughout his career, he has built industry leading financial services and payment technology companies, all marked by outstanding growth and financial success. As co-founder, Chairman, President, and CEO of Payment Alliance International (PAI), Mr. Leehy led PAI’s emergence as the nation’s largest privately held provider of Automated Teller Machines (ATMs) serving nearly 80,000 locations throughout the United States.

Mr. Leehy served as Chairman and CEO of Financial Alliance Processing Services, CEO of Confluent Technologies, and led First Data Corporation’s Merchant Services and Risk Services Divisions. Most recently, Leehy was Managing Director of Resource Alliance Partners, a venture services firm providing growth capital and business expertise to early stage companies across the nation.

Recognized for his strategic vision, relentless execution, and the ability to build strong and highly engaged leadership teams, Leehy was named 2018 EY Entrepreneur of the Year (East Central Region), and in 2017 received the ATM Industry Champion Award from the ATMIA. He has served as President of the ATMIA, Chairman of the Electronic Funds Transfer Association, and is currently a Director of Green Technologies Environmental Coatings. Leehy earned a Bachelor of Science degree from the University of Nebraska at Kearney where in 2013 he was named a Distinguished Alumni.

 

Amy Walraven

Amy Walraven

President
Chief Strategy Officer

Amy Walraven is the President, Chief Strategy Officer and Founder of Humaitrix.

With more than twenty years of expertise identifying, assessing, targeting, and resolving fraud and credit risk issues, Amy has pioneered advancements in the detection of first party fraud schemes including credit bust outs and organized syndicated fraud activity. Her forensic analytics on several major criminal synthetic identity cases makes her an industry leader in understanding the characteristics and transactional patterns associated with first party fraud schemes.

A career risk manager, Amy has developed and implemented scoring models and clustering algorithms to detect organized fraudulent activity at every point of customer engagement. Her cutting-edge solutions have helped mitigate identity risk throughout the customer lifecycle and are leveraged to enhance Know-Your-Customer (KYC) and Anti-Money Laundering (AML) controls.

Prior to founding Humaitrix, Amy was the Vice President of Identity Risk Management for Consumer and Business Banking at JP Morgan Chase. Previous to her work at JP Morgan Chase, she was the Senior Personal Bank Officer at MBNA America.

Amy is a recognized subject matter expert regarding first party fraud and is a regular panelist and presenter at industry conferences and webinars, sharing her expertise with prominent risk associations as well as government agencies such as the Federal Reserve and Government Accountability Office (GAO). Amy earned a bachelor’s degree in Business Management and Resource Economics, and a Master of Science in Business Management and Human Resources.

 

Greg Sahrmann

Greg Sahrmann

Chief Operating Officer

Greg Sahrmann is the Chief Operating Officer of Humaitrix, bringing with him more than thirty years of experience building highly successful companies.

Before joining Humaitrix, Greg founded and was Managing Director of Resource Alliance Partners, an investment firm that provided capital and professional expertise to early stage companies looking to accelerate growth.

Prior to Resource Alliance Partners, Greg cofounded two highly successfully companies in the payment and financial technologies industries: Payment Alliance International, the largest privately held ATM company in the U.S. with over 80,000 ATMs in the U.S. and Financial Alliance, one of the first and largest full service bankcard processing companies.

His experience also includes running National Processing Company’s payment processing business and Norwest Bank’s Service Group. Greg has an MBA and Bachelor of Science in Civil Engineering from the University of Missouri.

Terry McKeown

Terry McKeown

Chief Sales Officer

Terry McKeown is Humaitrix’s Chief Sales Officer, overseeing the company’s business development and marketing. Terry partners with clients across government, insurance, healthcare, and financial services to implement revenue generating, risk mitigating fraud solutions spanning the entire credit life cycle.

Prior to joining Humaitrix, Terry spent several years at Envestnet | Yodlee where he spearheaded the use of alternative data to enhance the risk opportunities for both lender and applicant. Terry has complete risk life cycle and back office experience through his work at MBNA America and Ally Bank. On the vendor side, Terry worked at FICO and at Dun and Bradstreet, where he managed several custom analytic scorecard development projects in both North America and Asia.

Terry is a graduate of West Chester University of Pennsylvania and has his MBA in Marketing and Human Resources Management. He has served as a risk management subject matter expert of custom analytic solutions to many of the Top 100 Financial Institutions.

 

Barbara Simcox

Barbara Simcox

Director of Education &
Law Enforcement Liason

Barbara Simcox is the Director of Education and Law Enforcement Liaison at Humaitrix. Barbara educates clients about fraud and provides first party fraud education and guidance to law enforcement agencies.

A former Fraud Investigator and leading industry expert, Barbara has contributed to nearly every major synthetic identity and bust out investigation in the United States over the past decade. In her twenty years of experience, she has participated in early industry testing to identify credit bust out and formalized the first credit bust out program at MBNA. In addition, she was a project group leader for the Bank Policy Institute’s (Formally known as BITS -Financial Services Roundtable) industry whitepaper, “Bust Out and Credit Abuse Activities.”

Barbara is a well-respected teacher in the field. She has facilitated financial crime training events for the Federal Bureau of Investigations (FBI), United States Postal Investigation Service (USPIS), United States Secret Services (USSS) and many other federal and state agencies, as well as industries spanning credit card, mortgages, auto lenders, merchant processors, and more.

Before joining Humaitrix, Barbara held various positions in collections, lending, credit risk and fraud investigations at Beneficial National Bank, First Card, MBNA America, Bank of America and JP Morgan Chase.

Barb is a long-standing member if the International Association of Financial Crimes Investigators (IAFCI). She is a co-founder and co-chair of the IAFCI Bust Out and Synthetic Identity Fraud Working Group, established in 2012.

Ryan O'Rear

Ryan O'Rear

Executive Vice President of Global Insurance Solutions

Ryan O’Rear is the Executive Vice President of Global Insurance Solutions at Humaitrix. He oversees the development and integration of Humaitrix’s top-tier fraud risk management solutions, specializing in solution design and expanding the analytical portfolio.

Prior to Humaitrix, Ryan was the Global Counter Fraud Business Transformation and Implementation Leader at IBM, where he developed cutting-edge analytics for fraud detection and prevention, consulting on implementation for industry leaders throughout the financial services industry.

Before consulting, Ryan was the National Director of Investigations and Intelligence for a US property and casualty insurance carrier. There he established a Special Investigations Unit that mitigated fraud and pursued civil and criminal actions against organized fraud rings. Ryan has also developed advanced analytics programs, technologies, and detection techniques for clients. He currently teaches several classes on organized fraud in the financial industry, global fraud trends, and counter fraud analytical methodologies.

Ryan is a Certified Fraud Examiner (CFE), Senior Claims Law Associate (SCLA), Certified Insurance Fraud Investigator (CIFI), Certified Insurance Fraud Analyst (CIFA), and a Criminal Intelligence Certified Analyst (CICA). He is a former member of the Board of Directors of the International Association of Special Investigation Units (IASIU) and former President and founding member of the IASIU’s Tennessee Chapter.