Experts in A/R Automation & Profit Optimization
With over 40 years of experience in credit-to-cash automation and hands-on operations, we have perfected the art of advanced A/R automation. From cash application and deduction resolution and recovery to collection dunning and credit management, we design intelligent solutions that maximize efficiency and profitability. No one understands the complexities of these processes better than we do.
Our Mission: Driving Financial Performance. Our mission is simple -helping you optimize financial results. Whether you leverage our Carixa Cloud Suite or partner with us for outsourced services, we apply intelligent, field-proven automation and services to streamline your accounts receivable operations, accelerating cash flow, reducing deduction losses, and increasing profitability.
Proven Expertise, Powerful Solutions
Backed by decades of industry expertise and hundreds of successful client engagements, our A/R automation and service solutions combine advanced technology with real-world experience. Our workflow automation and managed services are designed to deliver measurable financial impact. And with 100% of our operations—software development, cloud hosting, and client accounts receivable services—based in the USA, you can count on dedicated, expert support whenever you need it.
Senior Leadership
Industry specialists and functional experts delivering solutions-minded technologyOur leadership team brings extensive backgrounds in financial services and cloud software for B2B accounts receivable processes. Our vision is to always think and work cross functionally to support you throughout the entire revenue cycle – Credit, Collections, Deductions Management and Cash Application.
Kristen Metzger
Chief Executive Officer
Kristen Metzger is the CEO of Smyyth, where she leads the development and delivery of cutting-edge solutions that transform how businesses manage their revenue cycle. A recognized expert in accounts receivable optimization and automation, Kristen brings a client-centric approach honed during her tenure at Smyyth and, before that, at Creditek, a leading order-to-cash BPO firm. Her experience working with Fortune 1000 companies gives her a unique perspective on the challenges and opportunities facing businesses today. Kristen holds an MBA from the University of Chicago Booth School of Business and a BA in Economics from the University of Vermont.
John Metzger
Chairman, Smyyth + Carixa
Smyyth's focus is on Carixa cloud software and services to optimize credit, collections, trade promotion settlement, and deduction management. John was previously Founder, CEO, and Chairman of Creditek Corp., from start-up to the singular leadership position in A/R BPO, and to its ultimate sale.
John’s early career positions were as Director of Credit, VP Distribution, and EVP Global Operations in the consumer goods industry, and also led a consultancy. Credit2B, another leading company he founded for automated business credit decisions, was acquired by a strategic acquirer in 2018. He is a graduate of Rutgers University.
Sean Daley
Vice President & Managing Director, Carixa
Sean Daley is a financial technology leader with extensive expertise in credit-to-cash automation, billing and receivables management, and deduction resolution. As VP & Managing Director of Carixa, he drives product strategy, client success, and innovation for Smyyth’s industry-leading platform.
Before joining Smyyth, Sean was Senior Product Manager at FIS (NYSE: FIS), where he led the strategic product roadmap for SaaS solutions designed to optimize automation and efficiency for B2B receivables teams, collaborating closely with enterprise clients to drive innovation. He has deep experience in optimizing financial processes through technology, automation, and AI-driven solutions. Earlier in his career, he was Manager of Credit and Risk at Philips Respironics. Sean holds a BS in Business Administration (Finance) from the University of Pittsburgh and is dedicated to advancing automation in receivables, collection and deduction management, and B2B payments.
Karen McCann
Vice President, Operations
Karen has 20 years of experience in operations, data management, administration, and customer service, including serving as Director, Client Services with Creditek, a leading outsourcing company, and as a customer services executive in the telecom industry.
In addition to managing Smyyth's operations and client services, Karen is the product manager for Carixa, the company's remarkable cloud order-to-cash automation.
Joseph D'Apolito
Chief Financial Officer
Joe is responsible for finance, corporate planning, and shared service functions for several Smyyth companies. He has over twenty years' management experience in finance, accounting, and administration with large and mid-sized businesses.
Earlier in his career, CFO and V.P. Underwriting for PHHC, Director of Health Care Reform at Emblem Health, and CFO of a $5 billion unit of Anthem, as well as the CFO of Empire Roofing. Joe is a graduate of Lehigh University with a degree in Finance and Accounting.
Frank Boni
Vice President, Managed Services & Client Operations
Frank is responsible for Carixa Credit-to-Cash SaaS client operations, and outsource and collection operations. Prior to joining Smyyth, Frank had more than 20 years of experience in commercial receivables management, credit, and collections, including serving as Director of Operations and Sales Support for NCO Financial Systems, Inc.
Earlier in his career, he served in management capacities with Dun & Bradstreet RMS, and Payco GAC Corp. Frank has a B.S. in Business Administration from Hofstra University.
Cheryl Westphal
Director, Client Success
Cheryl leads the Carixa Client Success team. Her expertise is in refining the customer experience and ensuring products and features enhance the client’s way of business. She is focused on driving product adoption to guarantee the highest return on investment for our customers.
Previously, she served as the Director of Client Success at WellAware, a leading IoT company. Earlier in her career, she managed a regional training department at United Healthcare. Cheryl graduated from the University of Colorado with a degree in Communications.
James Hilton
Director, Consulting Services
James Hilton is a seasoned compliance and operations expert with over 20 years of leadership in retail vendor compliance, logistics, and operations.. Prior to joining Smyyth, James held senior roles including Vice President of Operations at Ferraro Foods and Director of Compliance at Robinson Home Products Inc.
James specializes in retail vendor compliance, deduction recovery, chargeback management, and supply chain optimization. His strategic approach and hands-on leadership have driven significant operational efficiencies and earned industry recognition, including awards such as Walmart Vendor of the Year and Kohl’s Certified Vendor Status.
At Smyyth, James leads vendor compliance consulting, helping our operations teams and clients resolve complex compliance challenges, reduce costs, and achieve long-term success through tailored solutions.
John G. Eberhardt
Executive Consultant, Order-to-Cash
John is an expert in order-to-cash management and revenue cycle optimization. He has had executive roles in the global consumer goods and manufacturing industries, including GM-Customer Financial Services at Nikon Americas Inc., Director of Corporate Credit at Pentair, and Director of Customer Financial Services at Coltec Industries Inc.
John's many years of corporate finance experience has included managing global credit collections teams as well as procurement, internal audit, and treasury functions. He is a graduate of Iona College School of Business Administration
Andrei Afanassenkov
Technology Advisor
Andrei has been a strategic resource to the Smyyth companies since 2006 including leading the development team for Carixa, Smyyth’s modular credit-to-cash automation platform. Andrei has deep experience in FinTech and enterprise technologies, computer simulation, and 3D modeling, and holds a Masters in Mechanical Engineering from Bryansk University.
He leads Smyyth's infrastructure and software development activities.
Larissa Filine
Board Member for Technology
Larissa, provides executive guidance to our technology group. She has fifteen years of experience at Smyth companies, including leading the development of the Carixa and Credit2B platforms. Most recently, she served as Enterprise Architect at Deutsche Bank and Johnson & Johnson. Earlier in her career, Larissa consulted for D&B and Fortune 500 companies in the US and Europe. She holds an M.S. in Mathematics and Computer Science from the Moscow Institute of Physics and Technology.
Advisory Group
Kim Zablocky
CEO And Chairman, Retail Value Chain Federation
Associated with Smyyth since 2002, Kim is Chairman of the affiliated Retail Value Chain Federation (RVCF.com), the leading advocate for retailer-supplier trading partner synchronization that champions initiatives to increase industry-wide productivity, profitability, and growth.
Kim is well known for his expertise in customer financial services and serves as an advisor in matters concerning the retail and distribution industries. Kim holds a BA in Political Science from the State University of New York.
Anna Costello
PhD
Anna is a Professor of Accounting at The University of Chicago Booth School of Business prior to which she was an Assistant Professor of Accounting at the University of Michigan Ross School of Business and the MIT Sloan School of Management. Costello received her Bachelor's and MBA from the University of Notre Dame and a PhD in Business Administration from the University of Chicago. Costello's research investigates how information asymmetry between buyers and suppliers impacts the terms in long-term supply contracts, and studies how trade credit between supply chain partners influences firm-specific and market-wide risk.
Her research has been published in the Journal of Political Economy, the Journal of Financial Economics, the Journal of Accounting Research, the Journal of Accounting and Economics, and The Accounting Review.
Madhav Kale
Senior Advisor for Technology
Madhav works closely with the core executive team at Carixa advising on key architectural choices and strategies. His experience includes entrepreneurial, CTO, and systems architecture leadership in IoT technology, cyber security, document processing, scanning technologies, machine learning, microservices architecture, and building highly scalable solutions. Madhav has a BE in Computer Engineering from Pune University.