Bridgeforce Data Solutions is a financial technology firm that provides automated credit reporting and disputes compliance and benchmarking solutions to help consumer lenders of all sizes inspect, benchmark and optimize their credit bureau data.


To ensure you can trust the accuracy of your credit bureau data for furnishing, disputes and usage


To see where you stand against your peers


To improve your use of credit bureau data and reduce regulatory risk and OPEX

Leadership Team

Matt Scarborough

CEO and Co-Founder

Matt is CEO of Bridgeforce Data Solutions and has been since its creation. He has spent his career at the intersection of business and technology, starting with MBNA in the 1990’s and helping to lead the bank’s early expansion into leveraging digital channels for generating new business. Although Matt has had many roles since, he has always focused upon the power of combining data, strategy, and decision processes. As part of this he has successfully developed and implemented data-driven strategies for lenders across six countries and many product types. Matt lives in southeastern Pennsylvania with his family, loves cooking, and is an avid skier. 

“I co-founded this company because I am passionate about helping clients make great decisions, and Bridgeforce Data Solutions enables us to do that in an efficient way for a larger group of clients.”

Brian Reiss

Board Chairman and Co-Founder

Brian is the Board Chairman and a Co-Founder of Bridgeforce Data Solutions. Brian has spent his 20+ year career at Bridgeforce focused on developing and maintaining long-term relationships through superior delivery and bottom-line results and is excited to continue to help create results for clients through the automation of Bridgeforce’s expertise. After spending most of his life in New York, Brian, his wife and two children recently moved to Florida, where he balances his time between Bridgeforce Board roles, volunteering for community-based causes, mentoring underprivileged and high potential early career and college students, being a Tennis and Hockey Dad, and continuing his lifelong pursuit of the perfect tennis backhand. 

“Bridgeforce’s recipe for success has been simple for the past 20 years. Our Clients’ success come first, and our practitioners help them achieve success by providing Real Experience and Real Results. We are excited to apply this proven recipe to Bridgeforce Data Solutions to use our Real Experience to deliver Real Insights to a wider range of clients.”

Michelle Macartney

Board Member and Co-Founder

Michelle Macartney is a Bridgeforce Data Solutions Board Member and Co-Founder. She also leads Bridgeforce’s Consumer Reporting and Disputes practice and oversees the Bridgeforce US consulting practice. While at Bridgeforce, Michelle has managed directly or provided industry advisory support to multiple consumer reporting compliance engagements from disputes operations improvements to establishing Center of Excellence credit reporting organizations to detailed Metro 2 data mapping and data furnishing accuracy controls. She has been involved with the development of the Bridgeforce Data Quality Scanner Solution since its infancy. Michelle’s extensive industry experience spans over 30 years and has resulted in numerous requests to deliver presentations on consumer reporting furnishing and disputes best practices. She has presented on this topic for four consecutive years at CBA LIVE (2015–2018), at conferences hosted by NAFCU, ACA, NCCR and SBFE, and during best practices forums with some of the largest furnishers in the U.S. Prior to Bridgeforce, she served as Principal and Owner of ACHIEVE Consultants, delivering project-management and consulting services in areas including software application development and enhancement, software product implementation, professional services staff operations and large-scale program management. Michelle resides in San Diego with her husband, and when she’s not focused on client engagements, she supports breast cancer education & awareness and leadership development for college women by volunteering for her sorority, Zeta Tau Alpha Fraternity for women. 

“Accurate credit reports are a critical foundation of our lending ecosystem. Our solutions have helped our clients improve their furnishing accuracy and drive down disputes volumes. I’m excited to continue working with Bridgeforce Data Solutions to bring DQS to more furnishers and to help our clients mine their furnishing and other supplemental data to gain credit risk insights.”

Jay Cohenford

Data Insights

Jay has nearly 20 years of experience in consumer banking, focused on the data and reporting needs in credit risk, default management, loss forecasting, and compliance. Jay started his career with a large regional bank as a consumer loan collector – and within three years was managing a team of 40 collectors. As manager of that team, Jay identified significant gaps in the information and reporting available to manage performance. Rather than wait for dedicated IT and Analytic resources to become available, Jay took it upon himself to build out a suite of key performance reports joining the collections system, dialer, and systems of record – to enable the various leaders to effectively coach and manage their teams. Jay became the Vice President of Default Management Analytics as a result of this effort. Jay joined the consulting team at Bridgeforce in 2011. Jay has been a core team member in a diverse range of projects, including technology deployment, vendor system selection, project management support, policy and procedure documentation, and the development and enhancement of compliance management systems. Jay’s passions though have always been the data focused projects: data-driven strategy development, scorecard validations, and measuring controls effectiveness, to name a few. Jay transitioned to Bridgeforce Data Solutions in 2020 to follow his passions for understanding data and using it to build the actionable insights that make tomorrow better than yesterday for clients. 

“I joined BDS because I have a passion for understanding data, and using it to create actionable insights. I want to enable decision-makers to focus on the real change they can make, rather than trying to figure out how to get the insights they need to make key business decisions.”

Matt Williams


While Matt’s primary responsibility as Controller is to maintain Bridgeforce Data Solutions finances, his background often lends itself to working on client analytics projects. In these cases, Matt brings his strong client focus and attention to detail to deliver actionable insights for clients. Matt has worked with clients in many different asset classes and stages of the consumer loan life cycle. Prior to Bridgeforce, Matt worked for PNC Bank in the Derivative Products division of their Capital Markets group. Matt lives on the eastern shore of Maryland, where he enjoys the outdoors and spending time with his with his wife and children. 

“I am excited to be part of Bridgeforce Data Solutions bright future as we help clients quickly transform raw data into actionable business insights.”

Tricia Wyatt


With over 25 years’ experience in Human Resources, Tricia has strategically advised and partnered with leadership teams, guiding them through significant organizational transformation due to restructuring, growth, outsourcing and IPO. At Bridgeforce she manages all facets of HR, has redesigned the recruiting model and employee development framework, and has provided client support in training & development and HR. She has led talent acquisition, employee development and was a strategic business partner to the Risk, Finance and IT divisions at Voya Financial. Tricia has an MBA from West Chester University in addition to her SPHR and SHRM-SCP certifications. She lives in southeastern Pennsylvania with her family and enjoys reading a book on the beach and traveling, with Scotland and Ireland topping her list of destinations. 

“I always look to make a difference and Bridgeforce Data Solutions offers a culture where everyone can make a difference. Our entrepreneurial spirit empowers all employees to embrace opportunity and realize their fullest potential.”

Mike Eisel

Client Relationship Management

Mike joined Bridgeforce Data Solutions as its second employee and has held numerous responsibilities across different areas of the business, including client relationship management, sales & marketing, and product management and development, among others. More recently, Mike’s focus has been on business development and strategic initiatives. Mike’s experience in the consumer lending industry has been focused on several subject areas. During his time as a consultant at Bridgeforce he was involved in engagements related to credit risk, underwriting, operational process improvement and consumer reporting compliance. Prior to joining Bridgeforce, Mike worked across multiple business lines for M&T Bank, including retail, business, securities and operations. Mike enjoys helping clients improve their data accuracy and speed up their decision cycles. Currently living in North Wilmington with his wife, in his free time Mike enjoys walking his dog and training Brazilian Jiu Jitsu. He holds a B.S. in Economics and an M.B.A. from Penn State University. 

“I joined BDS to be a part of a collaborative, entrepreneurial organization that takes an innovative approach to business intelligence. We start with the end in mind, helping clients first understand where they are, then informing their future decisions, which ultimately maximizes value.”

Greg Hollingsworth

Data Security

Greg is Bridgeforce Data Solutions’ Deputy Chief Information Security Officer and is responsible for the implementation of Bridgeforce Data Solutions products in the cloud. He provides all components for our cloud clients to successfully run BDS products in a secure, sandboxed environment. Greg is also working on data warehousing and the re-architecture of the current AWS cloud environment to streamline connectivity and automate processing of client data files. Along with maintaining the PCI certification of the current production cloud environment, he is implementing controls in the re-architecture effort to position our cloud-based products to be SOC2 certified. Prior to Bridgeforce, Greg worked for Verato, Inc on AWS migration and architecture design and deployment. Greg also previously worked with the DOD as an Information Assurance consultant and provided guidance for system security measures to meet NIST requirements. Greg’s specialty areas include Amazon Cloud Services (AWS), MacOSX, Linux, Microsoft Server, Active Directory, LDAP, PCI, HIPAA, HITRUST, SOC2, NIST standards, CIS Benchmarks, Systems security, and Certified Ethical Hacker. Greg and his wife have traveled the southeast over the last 10 years and have now moved back to their home state of Alabama to be close to family. When Greg is not working to provide clients top-notch security solutions, you can find him working in the yard, fishing, or catching up on past seasons of his favorite TV shows. 

“I understand that in today’s world, the security of data is at the top of everyone’s priority lists. I have a passion for providing the level of security that protects data integrity while also providing the user with a world class experience.”

Patrick Cude

Application Development – Metro2

Patrick is a software architect and developer experienced in designing and developing robust scalable software solutions in the Financial, Credit and Health Care markets. From high performance financial trading platforms to customer-centric heath care systems, Patrick has three decades of experience managing projects through the full development cycle. Currently, Patrick is the Software Architect and Technical lead for the Data Quality Scanner® Solution at Bridgeforce Data Solutions Before joining Bridgeforce Data Solutions 2016, Patrick was a Senior Developer with Prime Analytics for over 11 years. During his tenure with Prime Analytics, Patrick was involved in developing desktop trading platforms for option strategies and Risk Management software for option portfolios. Prior to Prime Analytics, Patrick worked on development projects for companies such as Country Wide Financial, Wind River Systems and Sunquest Information Systems. Patrick and his wife travel and work from their RV part-time. When not traveling, they make their home in Tucson, AZ. In his free time, Patrick and his wife enjoy hiking, biking and visiting amusement parks with their twelve grandchildren. 

“Designing a software solution is about addressing current and future business needs. Whether improving a business process or addressing an existing problem, a software solution should always provide more than required and deliver sooner than expected. I joined Bridgeforce Data Solutions to solve pressing data accuracy risks for lenders and I’m proud of the solution we’ve developed to address this issue.”

Jessica Madere

Application Development – EWS

Jessica has nearly 15 years of experience in the technology field, focusing primarily on creating Windows-based and browser-based applications to meet various needs. Jessica started her career at a family-owned company. There, her responsibilities included modifying and creating features in image editing software used by laser and rotary engravers implemented using Legacy C code. She implemented a process to read and display numerous raster and vector image formats previously unavailable in the software, giving the product a competitive edge in the engraving industry. Following her time there, she accepted a role at a multinational company as Software Engineer in their Tax & Accounting division, where she spent 8 years developing her skills as a software developer using C++ and also expanded her JavaScript and ASP knowledge to learn VBScript. Jessica joined the Bridgeforce Data Solutions team in 2017, spending most of her time adding new features and modifying existing ones to our Data Quality Scanner. Of the new features she implemented, the most prominent features included writing a large portion of the code for the EWS Account Owner Element module, the majority of the code for the EWS Account Abuse module, and the code for a ChexSystems prototype. 

“Bridgeforce Data Solutions allowed me the opportunity to create more complex processes, expanding my knowledge of C++ as well as the freedom to express new ideas. We also have a great team that works well together, which was apparent from the very beginning.”

Megha Lakshminarayan

Quality Assurance

Megha has 10 years of experience in delivering technology-enabled solutions over a multitude of industries, including Accounting & Auditing, Media, and Finance. Megha’s career includes consulting for one of Big-Four accounting firms and Investment Banks, where she helped define and design data/reporting solutions. Several of her key capabilities include project planning, functional and technical requirement analysis, quality assurance, and release management. Megha joined the Bridgeforce Data Solutions team in 2017. She spearheads Data Solutions business requirements and testing efforts. Megha has been part of defining new modules to enhance the Data Quality Scanner product. Megha is also part of a team that provides data analytics and reporting solutions to our clients. 

“Bridgeforce Data Solutions offers a great career opportunity and a place to learn. As an enthusiast of data analytics, I wanted to join a team that welcomed ideas and provided an opportunity to explore/design them.”

Chris Taggart

Quality Assurance and Client Support

Chris has over 20 years of experience in operations management and financial services. Chris recently transitioned to the Data Solutions team to assist in the application testing for the various DQS modules as well as client support for installation and upgrades of the DQS and Tableau software. He has managed many roles during his time at Bridgeforce from Accounts Payable and Payroll functions to Invoicing, Facilities and Vendor Management. He was also part of the IT team for the last 4 years and was responsible for the day-to-day technology and support needs for both US and UK staff. He used a combination of in-person and remote utilities to manage the fleet of devices across two continents and five time zones. Chris worked closely with others in the department to migrate to cloud based and cost-effective environments. Prior to joining Bridgeforce in 2013, Chris served as a Branch Manager for Niagara’s Choice Credit Union as well as Woodforest National Bank. He also worked for MBNA for six years and followed the company once it was acquired by Bank of America. He has been immersed in a wide variety of the companies’ operations and acclimates to each of them with ease. Chris enjoys working with his wife on DIY home projects, woodworking and knife making, along with spending time with friends and family.

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