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About Us

Accounts Receivable Management Solutions (ARMS), sister company of Information Clearinghouse, Inc., is a comprehensive credit risk assessment outsource specializing in private company information. Our extensive database, which consists of more than 50,000 company profiles, along with our interactive credit intelligence dashboard and second-to-none customer service, is the foundation for what now provides today's busy credit executive with all their needs in a single resource. The three key executives of ARMS collectively have over 100 years of credit and insolvency management experience and, as such, the Company is uniquely positioned to provide a perspective superior to other financial reporting services.

The Executive Team

Chief Executive Officer
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For over 50 years Lawrence Sarf has provided his clients hands-on expertise and knowledge with respect to financially troubled companies operating across numerous retail and wholesale segments. His unparalleled background has afforded those clients with the time sensitive intelligence needed to avoid costly bankruptcies and working capital draining slow receivables. Over several decades, Larry has been sought out to evaluate countless acquisitions and divestitures. Additionally he has served in a consultant and/or advisory capacity to scores of creditors' committees in both bankruptcy and out-of-court settings. In 1990, Larry was formally recognized with the distinction of Bankruptcy Expert by the Chief Bankruptcy Judge of the Southern District of New York. He's not only been appointed as operating receiver and Bankruptcy Advisor in a number of bankruptcies, but has personally overseen well over a 1,000 insolvency proceedings. With Larry's extensive background and unique insights, he's been coined "the best -in the-business"!

Division President - ARMS
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Robert joined F&D Reports as a financial analyst in June 2004. Immediately prior to joining F&D Reports, Robert worked as a business analyst at a Fortune 500 company where he provided business support in various areas, including the preparation and submission of monthly and year-end P&L reports. As Division President, Robert oversees the daily operations of the credit department, including managing the website, developing products as well as client relations. Robert is also the head analyst of the foodservice segment. Robert graduated from Stony Brook University with a degree in Economics and Business.

Division President - Creditntell / Executive Vice President - ICI
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Kevin Slack's areas of expertise are in the retail and wholesale food and drug industries, where he spent 25 years in senior credit management positions with Sterling Drug Co. and Ward Foods. While in these positions, he gained extensive experience in all facets of the order cycle, including Credit Risk, DSO, Deductions/Dilution and Bad Debt Best Practice receivable process improvements, as well as A/R Systems implementation and integration. Kevin was an industry peer group leader in food, health and beauty care and pharmaceuticals. Kevin served as chairman of the National Health & Beauty Care Credit Group, as a member on the Trade Relations Committee of the NHBCG and the National Food Manufacturers Credit Group, and was a co-founder of the National Candy and Tobacco Manufacturers Credit Corp.

Division President - F&D Reports / Executive Vice President - ICI
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During Steve Dove's 25-year career with Borden, Inc. (a multi-national conglomerate), he gained extensive knowledge of virtually all facets of treasury, from finances and credit/receivable management to distribution and marketing. In addition, Steve participated in bank facility negotiations, M&A activity, and rating agency presentations, and was active on the board of directors of several national trade credit groups, including the National Food Manufacturers Credit Group where he served as vice chairman of the Trade Relations Committee and vice chairman of the Claims Committee, and the National Chemical Credit Association.

The Client Relationship Team

TALI WAXMAN,, Senior Vice President, Sales
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After completing her degree in business administration at Hofstra University, Tali joined F&D Reports in 1998, moving through positions of increasing responsibility to her current role as SVP of sales. During her tenure, she has focused her efforts, and those of her team, on initiating a significant number of relationships with subscribers as well as maintaining ongoing support to ensure that any concerns are immediately addressed. She has been instrumental in introducing new and innovative tools to the credit management community, and her expertise in F&D's products as well as her deep understanding of subscribers' needs make her integral to the company's sales efforts.

ANTHONY LOBOSCO, Senior Vice President, Marketing
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Tony spent 25 years with the Bell System in various positions in sales, marketing, product management and personnel. As director of sales and marketing, he was responsible for managing several Fortune 500 companies' telecommunications needs and overseeing a revenue stream of over $25 million. He began at F&D Reports in 1996 in customer service, for which he visited customers nationwide and gathered critical intelligence. Tony has since spearheaded many of the Company's new product introductions, such as its Credit Executive Study Program, Customer & Market Insights and Hot Market reports. He is responsible for servicing a portion of F&D's national account portfolio.

CHUCK LEWINTER, Vice President of Sales & Marketing
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When Chuck joined, he brought with him over 25 years of sales and marketing experience. As a previous owner of a sportswear manufacturing company, Chuck has maintained relationships with the leading department stores, mass merchants and specialty retailers throughout the country. He has firsthand knowledge in all areas of "compliance," including chargebacks, deductions, freight, packaging, assortments and markdowns. Chuck has served on a creditors' committees and fully understands the demands and challenges of a credit department. His comprehensive understanding of all products and services at have contributed greatly to's growth.

GINA PASCUZZO, Vice President of Client Support
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Gina began her position as a Clients Relations Coordinator after graduating from Long Island University in 2009 with a Bachelors in Marketing and Advertising. As Vice President of Client Support for the ARMS division, Gina is responsible for introducing new products and maintaining relationships with new and existing clientele.

RAMONA BOLOZAN, Director of Analytical Support / ARMS
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Ramona Bolozan joined F&D Reports as a financial analyst in 2008 and was promoted to Director of Analytical Support / ARMS in 2013. During her tenure with the company, Ramona has held positions of increasing responsibility, making significant contributions to the analyst, credit and sales support departments. In her current role, she provides analytical, brand strategy and product development support, and she leads the company's international efforts, including overseeing the international credit team and maintaining and expanding the international database. Ramona received a BA in Finance & Investments from Baruch College, City University of New York.

GRACE DUY, Assistant Vice President of Client Support
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Grace began working part-time at Information Clearinghouse while also finishing her last year at Fairfield University. After graduating with a Business Management degree, she continued as a part-time employee for the next 3 years in order to simultaneously pursue her passion as an equestrian. In September 2013, Grace was brought on full-time as a Client Relations Coordinator. Along with the rest of the team, she assists in sales support as well as developing solid and long lasting relationships with existing and prospective clients.

ANITA KUENZEL, Client Relations Coordinator
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Anita began as a part time Admin in 2011, while attending Adelphi University as a Psychology student. In 2014, she finally became a full time Client Relations Coordinator. Responsibilities currently involve client services consulting, overall support in client installations, account maintenance, client renewals, issue resolution and retention efforts, and transformation of administrative procedures in order to produce internal reports for executive and team review.

RANDI DICKSON, Client Relations Coordinator
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After graduating from The University at Albany with a Psychology /Sociology degree Randi continued to develop her strong interpersonal skills within a variety of positions including: Human Resources, Recruiter, and lastly as a Elementary school teacher. Randi joined FD ARMS as a Client Relations Coordinator to support the sales department. Her main responsibility is to communicate with subscribers to ensure all of their needs are being met and to introduce the latest products and enhancements.

TONI SINGER, Director of Integration
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With extensive experience in both the apparel and accessories industry, Toni is no stranger to the world of retail and customer relations. Toni is a team player and has no problem overcoming obstacles, and much of her success can be attributed to her ability to build sustainable relationships and trust with customer accounts through open and interactive communication. In her current position as Client Relations Coordinator, Toni is responsible for providing quality customer service and support across all of our business units.

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Barbara Jacobowitz's commercial credit career includes over 30 years experience within the factoring, jewelry and consumer products industries. During her 26-year career as a senior level credit manager for Unilever HPC, she was responsible for Credit Risk, Collections, Reporting, Deduction and Preference Resolutions, Training, Cross-Functional Teams, and was part of the SAP implementation team. Barbara served as Chairperson of the Credit Associates Credit Group, was on the Board of the NHBCG and the National Food Manufacturers Credit Group and completed the NACM's Graduate Degree in Credit and Financial Management and her BA from CCNY.

The ARMS Credit Department Team

JUDEE FLOOM, Supervisor - Credit Investigation Dept.
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LISA LICHTMAN, Assistant Supervisor - Credit Investigation Dept.
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JANET YANATOS, Credit Investigator
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ALEX TOMMASIELLO, Credit Investigator
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The ARMS Operations Team

The ARMS Operations Department is responsible for product creation, development, production and distribution as well as website management.

JOSEPH COSTELLO, Chief Information Officer
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Joseph Costello serves as Chief Information Officer of Information Clearinghouse Inc., providing overall technology leadership for the corporation and its businesses and working with business management to expand the application of effective technology solutions across the enterprise. Joseph brings to our organization over 18 years of global information technology experience with Fortune 500 companies like Citigroup and McGraw-Hill, and across several industries including financial, education, publishing and information services.

BARBARA BOTWINICK, Credit Coordinator
800-789-0123 Ext. 142

SHANA LICHTMAN, Operations Manager
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Companies of High Interest
Modell's Sporting Goods, Inc.
Fairway Group Holdings Corp.
Fresh Direct, LLC
Albertsons Companies Inc
CKE Restaurants Holdings, Inc.
Corrado's Specialty Goods, Inc.
Wawa, Inc.
Maywoods Market Place, LLC

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