Robert T. Reilly has been in the collections industry for over 40 years.From 1977 to 1996, he was the Office Administrator for Margolin & Meltzer, a law firm specializing in healthcare collections. In 1996, Reilly joined EE&C Financial Services, Inc. as Vice-President of Operations where his responsibilities included overseeing all collection operations.

Backed by his expertise in healthcare accounts receivable management, Mr. Reilly founded RTR Financial Services, Inc. in 1998.With a reputation for getting results through effective recovery programs and a staff of industry experts, RTR now provides collection services to some of the largest hospitals and organizations in the New York metropolitan area.These institutions continue to realize healthier financial futures through the use of RTR's proprietary revenue management solutions, with Mr. Reilly overseeing every aspect of development.

Mr. Reilly continues to lead RTR's expansion from healthcare collections to broader markets. In 2012, his efforts culminated in signing the Traffic and ParkingViolations Agency for Nassau County, Long Island (one of the top 12 wealthiest counties in the nation).

Robert J. Reilly received his Bachelor of Arts degree from St. Francis University in Political Science and is backed by over a decade of experience with institutional collections. Mr. Reilly manages the day-to-day operations of the company while operating as the key liaison between RTRand its clients during transition phases.Ensuring continual support and open communication with clients, such as working with an IT department to ensure successful data transfers, is a large part of his role. Mr. Reilly has played a leadership role in creating RTR's staff training programs and recently worked in detail with the new hospital billing system that has come into the NY tri-state area, Epic. Determined to train his staff on the system at an expert level, Mr. Reilly traveled to Wisconsin to meet the makers of Epic where he gained a first hand understanding of the very program that is used daily by RTR's clients and staff.

Sara Lee Martinez brings 18 years of experience running information technology systems in the accounts receivable management industry to her role as Director of InformationTechnology. Proficient in Word, Excel, VisualBasic, Unix/Linux and RTR's Zortec system, she is responsible for the day-to-day operation of the company’s IT department and is a key asset in interfacing with clients. Ms. Martinez previously worked for Eltman, Eltman & Cooper, P.C.,as Assistant Director of Information Technology from 1998-2003.

Louis received his Bachelor of Science degree from St. Francis College, New York in Business Management. Louis Kass joined RTR in 2004. He currently has over 15 years’ experience with RTR starting from the clerical division then to the Healthcare Insurance division and now in Client Services as the Vice President. In his role at RTR, he is responsible for ensuring client satisfaction. His responsibilities include: 

• Managing a team of client service representatives to ensure that client requests and inquiries are handled effectively and in a timely manner 
• Overseeing customizations and client-specific configurations
• Running monthly client meetings and addressing issues, concerns, and inquiries Louis is Epic Certified, and trained at the Epic facility in Madison, Wisconsin. He currently has over 15 years’ experience with RTR starting from the clerical division then to the Healthcare Insurance division and now in Client Services as the Vice President. 

John joined RTR Financial Services in 2008 and leads the company’s Information Technology department. With a dedicated team of hardware and software specialists, John ensures RTR’s technology infrastructure runs smoothly, securely, and efficiently.

He is responsible for managing all RTR servers and desktops, overseeing software updates, implementing security releases, and applying critical patches. John also controls system access by granting and revoking user permissions as needed, helping to maintain the integrity and security of RTR’s internal systems.

In addition, he supervises the company’s help desk operations, ensuring that all service requests are handled promptly and effectively. John is also focused on maintaining and optimizing RTR’s servers for maximum stability and performance. His expertise and leadership play a critical role in supporting the daily operations of the company.

Angela Tooze joined RTR Financial Services in 2009 and has grown into a pivotal leader within the organization. With over a decade of experience spanning multiple departments, she brings a deep, cross-functional understanding of RTR’s operations, services, and client needs.

In her current role as Chief of Staff, Angela works closely with the President and COO to align company-wide priorities, streamline operations, and drive strategic initiatives forward. She serves as a key liaison between executive leadership and department heads, ensuring organizational goals are translated into actionable outcomes across teams.

Internally, Angela oversees special projects, supports operational planning, and contributes to high-impact decisions that shape the company's growth and culture.

Elena joined RTR Financial Services in 2016 and has built a multifaceted career through her work in several key departments across the company. Starting in the insurance division, she quickly mastered RTR’s internal processes, eventually advancing to manage both the hospital billing division and the staff development program. Her involvement in hiring, training, and mentoring staff across departments has given her a comprehensive understanding of RTR’s operations and a deep appreciation for the contributions of each team member.

Now serving as Chief Compliance Officer. Elena plays a critical role in ensuring RTR’s adherence to all applicable regulations and standards within the industry. Her responsibilities include developing, monitoring, and auditing the company’s compliance program; staying informed on changes in legislation at the federal, state, and local levels; and collaborating with compliance committee members to review and implement policies and procedures.

In addition, Elena oversees RTR’s quality assurance and resolution programs and responds to any alleged violations of company policies or regulatory requirements. Her broad experience and unwavering attention to detail make her a key asset in maintaining RTR’s commitment to ethical and compliant operations.

Christine serves as RTR Financial Services’ Human Resources Manager, leading the department as a team of one with dedication and efficiency. She is responsible for a wide range of essential HR functions, including hiring and onboarding new employees, maintaining personnel files, processing payroll, fostering employee engagement and retention, and developing and implementing company policies.

Before stepping into her current role, Christine served as Assistant to the Vice President, where she supported various HR and payroll functions while also assisting in executive-level operations. Her experience in that position provided a strong foundation for her transition into HR leadership.

Christine’s thorough understanding of RTR’s culture and operations, along with her commitment to employee satisfaction and organizational integrity, make her an indispensable member of the RTR team.

Antionette N. Luciano serves as General Counsel at RTR, where she oversees all legal matters impacting the company’s operations. Since joining RTR in 2021, she has played a key role in guiding executive leadership on risk management, contract negotiation, litigation strategy, and compliance. Her extensive experience in debt collection, consumer financial services, creditors’ rights, and corporate law ensures that RTR’s practices meet the highest ethical and professional standards.

Known for her pragmatic approach and in-depth knowledge of the collections industry, Ms. Luciano plays a pivotal role in maintaining RTR’s reputation for integrity, results-driven performance, and commitment to its motto: “Resolution with Respect.”

Ms. Luciano earned her Bachelor’s degree in Business Management with a minor in Pre-Law from Pace University, graduating summa cum laude in 2013. Her Honors Thesis, “Influence of Attorneys’ Attributes and Behaviors on the Jury’s Verdict,” was a finalist for Best Thesis and was published. She went on to earn her Juris Doctor, cum laude, from Pace University School of Law in 2016, where she served as Articles Editor for the Pace International Law Review. She is admitted to practice law in New York and New Jersey.

Before joining RTR, Ms. Luciano was an associate at a New York law firm specializing in insurance defense and accident litigation, handling cases in premises liability, commercial litigation, insurance coverage, employment law, and construction litigation. She also worked at a regional firm representing the mortgage banking industry, managing the foreclosure department and handling title claims and creditors’ rights litigation.

Ms. Luciano began her legal career long before law school, having worked in law firms since the age of sixteen. Her early experience as a paralegal and attorney assistant at a New Jersey debt collection law firm laid the foundation for her deep knowledge of the legal field and collection industry. During law school, she clerked for a New York law firm specializing in corporate law, land use, real estate, and estate planning, and she interned with the Superior Court of New Jersey, Chancery Division (General Equity), where she conducted legal research and prepared bench memoranda on foreclosure and mortgage reformation issues.