In 2006, Paul Swenson joined Fulcrum as President of the company's Warranty Solutions Division. Paul brings over 15 years of hands-on experience in managing and optimizing every aspect of warranty operations including retail, manufacturing, point of sale, aftermarket/renewal, risk and underwriting, and administration.

Fulcrum provides an array of analytical and marketing services for manufacturers and retailers that optimize the profitability of their extended service warranty operations.

Paul joined Fulcrum from Aon Warranty Group, where he served as President and Chief Executive Officer of Aon Innovative Solutions as well as an officer of Virginia Surety - including responsibility for the retail, manufacturing, and financial services verticals. In these capacities he directed the start up or overhaul of many warranty operations for leading retail and manufacturing clients, and developed risk strategies to meet client specific needs.

Prior to Aon, Paul served as Vice President of Warranty Administration for Circuit City Stores from 1993 to 2002, where he developed the company's highly successful warranty business. During his tenure at Circuit City, his leadership resulted in significant increases in the program's profitability through increased warranty penetration, increased average contract value, decreased claims expenses, reduced warranty loss ratios, sophisticated aftermarket and renewal programs, and the successful introduction of new product concepts.

In the years before joining Circuit City, Paul obtained sales management experience at Procter & Gamble, operations experience as Director of Operations at Frito-Lay, and financial services experience as Sales Director and Global Cash Management Director at Citicorp.

Swenson received his education from Brigham Young University with a Bachelor of Science degree in Economics, and an MBA in Marketing and Quantitative Methods from the University of Washington.

Scott Morrison, a founder of Fulcrum Warranty Solutions, is one of the nations' leading experts in designing, developing and implementing highly profitable aftermarket sales and marketing -- operations which maximize incremental profits and customer loyalty "after the sale" for both retailers and manufacturers.

Morrison has been a member of the executive management teams at several top marketing services firms: Fulcrum Analytics (1998 - Present), Yankelovich Partners (1994-1997), The Martin Agency (1987-1993), and Devon Direct Marketing & Advertising (1982-1986).

He has focused his career on designing innovative data-driven marketing infrastructures and leveraging leading-edge predictive modeling and multi-dimensional segmentation, helping clients optimize how they acquire, grow and retain highly profitable customers.

Morrison has led teams for the past 15 years in building powerful aftermarket operations to optimize the profitable sale of extended service plans, accessories, consumables, and related products for many clients. He has also helped generate improved program profitability and customer satisfaction through improved loss cost management, administration, distribution, sales operations, etc.

His industry experience is vast, including: appliances, automotive, computers and consumer electronics, healthcare products, healthcare, products, HVAC, jewelry, software, sporting goods, power equipment, technology, and many other product categories.

Morrison received his Bachelor's Degree from University of Miami with majors in Marketing and Economics. He received his MBA degree in Marketing and Advanced Analytics from Widener University.

Morrison also accepted the Direct Marketing Association's Database Marketing Gold Excellence Award on behalf of Fulcrum and its client Roche Diagnostics for the Accu-Chek Customer Care Warranty Marketing Operation.

Hongjie Wang is VP of Customer Analytics and manages the analytical team at Fulcrum. At Fulcrum, Mr. Wang has developed statistical and optimization models, as well as segmentation solutions for a diverse range of clients to support their marketing and management operations. He has also been the chief designer of several of Fulcrum's analytical solutions, including Incremental Value Modeling, Customer Equity Models, and Cross-Sell Optimization. Mr. Wang is an expert in product warranty related modeling and analysis. His experience in this area includes the development of sophisticated statistical models to predict warranty product response, contact optimization, as well as the forecasting of warranty claim frequency, timing and amount at portfolio, product category or individual consumer levels for both manufactures and retails.

Mr. Wang co-authored several papers in analytical and trade journals. He presented in NCDM, DMA seminars and guest-lectured at Carnegie Mellon University, Tepper School of Business.

Prior to Fulcrum, Mr. Wang worked in ZS Associates, a pharmaceutical management consultant company where he focused on sales force optimization. Before ZS, he worked for a life insurance company in the area of risk management modeling.

Mr. Wang earned his B.S in Mathematics and Machine Learning and M.S. in Operations Research from Virginia Tech.

Nathan has managed the Client Services group at Fulcrum Analytics since 2004. Prior to his management role Nathan managed many large engagements while working at Fulcrum, including: Whirlpool, Blockbuster, Jenny Craig, Ford Motor Company, Tommy Hilfiger, and Clear Channel Internet Group. His specialized warranty background along with his knowledge of technology allows him to facilitate marketing initiatives on behalf of his clients. Nathan's areas of expertise are in general advertising, direct marketing, warranty optimization, campaign management and measurement.

Before joining Fulcrum, Nathan worked for Ammirati Puris Lintas and Lowe Lintas Group servicing clients such as United Parcel Service and KPMG. He graduated from the University of Florida with a Bachelor of Science in Advertising.