RAM was built by finance and technology experts. We pride ourselves on our attention to detail while handling a large transaction volume using our automated platform. We work on behalf of companies around the country to provide them with world-class expertise in order to assist them with the processing and disbursing of payments. We follow a strict neutral third-party approach which safeguards the rights of consumers in their dealings with financial service providers.
We are Member of the American Fair Credit Council (AFCC), the Association for Student Loan Relief (AFSLR) and have an A rating with The Better Business Bureau (BBB). We are located in Knoxville, Tennessee.
General Counsel/Compliance Officer
An alumni of the University of Colorado, Mr. Winters has built a name for himself in the Title and Escrow business; already filling in the role of independent third-party for the Real Estate industry. After heading his own company and extending its reach to title insurance, Mr. Winters saw early on the importance of technological integration in information-critical businesses. Using his vast experience, Mr. Winters built RAM to bring to the finance industry the same vision of values and ethics he has displayed his entire business life.
First establishing himself in Arizona where he joined the State Bar and started his general practice, Mr. Chaya expanded his influence to become Vice President and Counsel for Fidelity National Title Insurance Company. Following his move to California, Mr. Chaya took on a new position as Executive Vice President and general counsel for the nationally-recognized Benefit Land Title Company. In order to better serve the public and his clients, Mr. Chaya specialized in regulatory compliance, working with both the California Department of Insurance and the California Department of Corporations. As a founding member of RAM, Mr. Chaya brings years of expertise to ensure compliance with regulatory protocols in an ever-changing legal environment.
Mr. Ergas has held critical management positions in some of the world’s premier banks including the Chartered Bank of London, Countrywide and Comerica. Using decades of experience, he has been able to innovate and promote competitive financial products while keeping a common sense approach to daily banking operations. His attention to detail and broad understanding of the banking world allowed him to become treasurer of Fidelity National Title Insurance Company and First American Title Insurance Company. His expertise guarantees smooth and transparent financial transactions between multiple parties.