John Furjanic is the Founder and CEO of ROI Solutions. Prior to founding ROI Solutions John had a 20-year career at Citigroup where during his tenure he held numerous senior executive positions in risk management and served as a Senior Credit Officer and Global Credit Director for Citigroup's Global Consumer Bank. Serving as Citigroup's Senior Vice President of North American Consumer Risk Management, John lead a team responsible for credit policy and risk management for Diner's Club North America. In this role, he reduced bankruptcies by more than 25% by significantly advancing the usage of third party data resources and increased collection recovery rates on small business card portfolios by more than 500%.