Our Team
three+one® is comprised of leaders in banking and public service committed to maximizing taxpayer funds for public entities, K-12 districts & higher-ed institutions.

Mike Abbott
RELATIONSHIP ANALYST
- mja@threeplusone.us
- Ext. 718
Mike is a Senior at St. John Fisher College, majoring in Corporate Finance with a minor in Data Science.

Michael Ablowich
Vice President
- maa@threeplusone.us
- Ext. 720
Mike is a Senior at St. John Fisher College, majoring in Corporate Finance with a minor in Data Science.

Scott Allen, MBA
CFO
- sja@threeplusone.us
- Ext. 702
Scott has been a key member of the three+one team and its development since 2016.

Manel Chaib
Senior Data Scientist
Manel graduated from a school of banking with a thesis in operational risk management.

William Cherry
Director, Public Partnerships
- wec@threeplusone.us
- Ext. 709
Bill’s career in public service spans 37 years, and includes serving as an elected official at the village, town and county levels of local government.

Ruth Chiumia
Client Services Associate
- rc@threeplusone.us
- Ext. 716
Ruth Chiumia, originally an intern at three+one during her junior year in college, has joined our team full time, after graduating from the University of Rochester with a BA in Political Science in May 2021.

Kyle Cline
National Dir. of Strategic Partnerships, NACo-FSC
- kcline@naco.org
- (317) 502-7415
Kyle Cline serves as National Director of Strategic Partnerships at the National Association of Counties’ Financial Services Corporation (FSC).

Sue Ann Cormack
Public Partnerships Advisor
Alex was most recently an analytics consultant for a BlueCross BlueShield health plan.

Alex DeRosa
Relationship Spc., Team Lead
- ald@threeplusone.us
- Ext. 706
Alex was most recently an analytics consultant for a BlueCross BlueShield health plan.

Anthony DiLeo
Accounting & Finance Associate
- abd@threeplusone.us
- Ext. 717
In May 2020, Anthony DiLeo graduated from St. John Fisher College. In his four years there, he studied Finance and Accounting and was involved in several organizations.

Peter Forsgren, CTP
COO and Co-Founder
- pdf@threeplusone.us
- Ext. 701
Peter’s entire career has been dedicated to the municipal and not-for-profit sectors. His passion for servicing these entities is evidenced by his earning a Masters Degree in Public Administration from Syracuse University.

Tyler Frame
Relationship SPECIALIST
- tdf@threeplusone.us
- Ext. 708
Tyler recently graduated as a double major in Economics and Business in the Liberal Arts at St. Lawrence University.

Andrew Hagemeister
Vice President of Innovation
- agh@threeplusone.us
- Ext. 703
It was through his years at NYU’s Steinhardt Music Technology program that Andrew gained his strong technical and programming background.

Jessica Bayer
Van Zile
Vice President
- jbvz@threeplusone.us
- Ext. 710
Jessica has significant financial, analytical, and technology experience in both the public- and private-sector marketplace.

Garrett Macdonald, CTP
Senior Vice President
- gam@threeplusone.us
- Ext. 704
Garrett has been partnering with public officials to generate measurable and sustained public value through increased interest earnings and savings since joining three+one® in 2015.

Kyle Metcalfe
BUSINESS DEVELOPMENT OFFICER
- kjm@threeplusone.us
- Ext. 705
Kyle joined the three+one® team in June of 2020. Prior to three+one® he was the Investor Relations Director for the Hamister Group in Buffalo, NY.

Taylor Riggins
Business Development Officer
- tjr@threeplusone.us
- Ext. 721
Leah joined the team at three+one® in January of 2021. In 2018, Leah graduated from Le Moyne College, where she received a Bachelor’s Degree in Marketing.

Leah Riley
Sales & Marketing Associate
- ler@threeplusone.us
- Ext. 711
Leah joined the team at three+one® in January of 2021. In 2018, Leah graduated from Le Moyne College, where she received a Bachelor’s Degree in Marketing.

Samantha Rothschild
Marketing Coordinator
- slr@threeplusone.us
- Ext. 712
Samantha Rothschild is an accomplished Sales and Marketing professional with over 17 years of experience in the advertising industry.

Abby Rulison, MBA
Financial Analyst
- akr@threeplusone.us
- Ext. 722
Joseph Rulison’s multi-faceted career in the financial services sector gives him an expansive viewpoint and breadth of knowledge matched by very few.

Joseph Rulison
CEO and Co-Founder
- jrr@threeplusone.us
- Ext. 700
Joseph Rulison’s multi-faceted career in the financial services sector gives him an expansive viewpoint and breadth of knowledge matched by very few.

Kevin Teborek, MBA
Business Development Officer
- kat@threeplusone.us
- Ext. 719
Edna brings a diverse background in the financial industry to three+one®, including positions in both the private and public sectors.

Edna Teresi
Client Services Associate
- edna.teresi@threeplusone.us
- Ext. 707
Edna brings a diverse background in the financial industry to three+one®, including positions in both the private and public sectors.

LaTonya Youmas
Client Services Associate
- lcy@threeplusone.us
- Ext. 713
LaTonya joins three+one with over 25 years of banking experience with JPMorgan Chase.

Jacob Wales
Financial Analyst
- jfw@threeplusone.us
- Ext. 715
A mathematician by education and training, Jacob joins the three+one team as a financial analyst.
At three+one® we have only one service: public service. We believe in strengthening public entities and higher education institutions with fiscal stability through the best asset you already have: Cash.
three+one® CEO | Joseph Rulison
Client Advisory Focus Group
three+one® is committed to a customer-centered digital strategy. Building our innovative tools in liquidity management began with a better understanding of how our clients work. That led to the creation of our Client Advisory Focus Group. This group’s input will continue to help us develop new cash-management tools and strategies for the public sector.
John Abbott
Deputy Superintendent
East Irondequoit CSD, NY
Michelle Barno
Treasurer
East Irondequoit CSD, NY
Colin Pierce
Asst. Superintendent for Business and Operations.
Honeoye Falls-Lima CSD, NY
Stephanie O'Cain
CFO
Municipal Assoc. of SC
Mark Romito
Finance Director
Upper St. Clair, PA
Kathy Todd
Finance Director (Retired)
Beaufort, SC
Jessica Barlow
Fiscal Manager
Columbia, SC
Angel Mumma
CFO
Central OH Transit Authority
Scott German
Treasurer
Genesee Co., NY
James Bell
Finance Director
Huber Heights, OH
Eric Virkler
Treasurer
Lewis Co., NY
Jennifer Talbot
District Treasurer
Monroe 2 BOCES, NY
Our Public Sector Partners
Given Back to Local Communities


Get In Touch
- the three+one® story
The roots of three+one® and its flagship services cashVest® and rfpPrep® span over 30 years of rich experience in business, public service, higher education, and government banking.
From our official launch in 2014 to the FY close of 2021, the FinTech expertise at three+one® has helped clients throughout the United States realize an additional $550 Million in revenue opportunities and cost savings through liquidity data analysis. These public dollars are reinvested by public entities back into their communities and those they serve.

Our partnership with the National Association of Counties (NACo.) has accelerated our growth throughout the nation. In addition, we stand in partnership with multiple state-level associations from New York & California to Alaska & Florida. Further recognized as a liquidity data analysis pioneer, our firm was tapped by BNY Mellon as an inaugural participant in the FinTech Accelerator program where our technology was further advanced by contributions from expert voices across the globe.
We take immense pride in the fact that our Pathway To Recovery® model was designated as a qualifying expense for ARP Stimulus Dollars as we continue to help navigate municipalities, K-12 districts, and higher Ed clients through new financial challenges in the post-pandemic economy.
1988
In the beginning
Our firm’s origins trace back to the services of muni bank® and Muniflow®, a division of Rulison & Company. It was founded by our CEO, Joe Rulison, in 1988. Muniflow® received national recognition in the 1990s by serving the short-term investment needs of public and higher education institutions. In 1997, our co-founder and COO, Peter Forsgren, joined Muniflow® to further develop the proprietary cash-flow-management models that are the fundamental pillars of our services today.
2001
Public Service
In 2001, Muniflow® was purchased by Fleet Bank, which later became Bank of America. As a center point for healthcare, higher education and government banking, Muniflow® expanded the bank’s national footprint by serving hundreds of public and higher education clients.
2008 - 2014
FinTech Pioneer
Over the next dozen years, Joe and Peter deepened their banking experience while also serving their communities in several leadership roles that further shaped their vision for three+one®. Navigating a changing landscape in banking after the financial crisis of 2008—and eager to help the entities they served in the past—our co-founders launched three+one® in the fall of 2014.
2015 - 2021
Rapid Growth
Since 2015, three+one® has been on a rapid growth trajectory. The cashVest® platform officially launched in 2016 followed shortly by rfpPrep® in 2018. Combined, these groundbreaking FinTech solutions earned the firm the necessary capital to continue growing. Among three+one®’s biggest achievements is the national strategic partnership with the National Assoc. of Counties (NACo) which has helped the benefits of cashvest® reach counties of all sizes and demographics. Even throughout the COVID-19 pandemic, three+one® continued to deliver on its commitment to the public with the rollout of the Pathway to Recovery®, taking part in BNY Mellon’s FinTech Accelerator, and investing in the continued buildout of its technology with Zühlke.
2022
National Presence
three+one® is now nationally recognized as a FinTech pioneer in defining and providing liquidity analysis & data services to public sector municipalities, K-12 districts, and higher-ed. institutions through our proprietary cashvest® platform. Additionally, our firm provides a cutting-edge online bank rfpPrep® service coupled with diagnostic evaluation of bank treasury services fees. Now with the partnership of over a dozen state-wide municipal associations and as an affiliate of the BuyBoard® Cooperative, three+one® is poised to continue serving taxpayers and higher-ed stakeholders across the nation.