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

About Mike

Michael Ablowich

Vice President

About Michael

Scott Allen, MBA

CFO

About Scott

Zachery Butler

Client Services Associate

About Zachery

Manel Chaib

Senior Data Scientist

About Manel

William Cherry

Director, Public Partnerships

About William

Ruth Chiumia

Client Services Associate

About Ruth

Kyle Cline, MPA

National Dir. of Strategic Partnerships, NACo-FSC

About Kyle

Sue Ann Cormack

Public Partnerships Advisor

About Sue

Lauren Cybul

Marketing & Sales Associate

About Lauren

Alex DeRosa, MPA

Relationship Spc., Team Lead

About Alex

Anthony DiLeo

Accounting & Finance Associate

About Anthony

Peter Forsgren, MPA, CTP

COO and Co-Founder

About Peter
Tyler Frame three+one

Tyler Frame

Relationship SPECIALIST

About Tyler

Andrew Hagemeister

Vice President of Innovation

About Andrew

Jessica Bayer
Van Zile

Vice President

About Jessica

Garrett Macdonald, MBA, CTP

Executive Vice President

About Garrett

Samantha Rothschild

Marketing Director

About Samantha

Abby Rulison, MBA

Financial Analyst

About Abby

Joseph Rulison

CEO and Co-Founder

About Joseph

Heze Simmons

Director, HigherEd Partnerships

About Heze

Cooper Swartwout

Business Development Officer

About Cooper

Kevin Teborek, MBA

Business Development Officer

About Kevin

Edna Teresi

Client Services Associate

About Edna

LaTonya Youmas

Client Services Associate

About LaTonya

Jacob Wales

Financial Analyst

About Jacob

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

$ 0 b+

Get In Touch

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  • 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.

1988

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.

2001

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.

2008 - 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.

2015 - 2021

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.

2022

Mike Abbott

Relationship manager

Mike graduated from St. John Fisher University in 2021, with a B.S. in Corporate Finance and a minor in Data Science. While there, he was a member of Delta Sigma Pi, the Gamma Class Professional Events Chair, served on the Finance Committee, and worked actively with the Office of Multicultural Affairs. He is currently pursuing a Masters in Business Analytics from St. Bonaventure University.
Mike originally joined three+one as a Data Analyst and has since transitioned into a client-facing role. He works closely with banking and investment partners on behalf of the entities he serves to ensure they are getting the most out of their liquidity and treasury services data.
Mike has developed specialized analytical tools for Suffolk County, NY and a watershed protection public benefit corporation in New York that have allowed them to look deeper into their data and optimize the value of their cash. In addition, he has written and coordinated RFPs for three+one clients for banking and financial services for higher education and municipal customers. He works closely with a range of higher education clients as well as large counties in New York, California, Montana, North Carolina, and Washington.
In his free time, Mike coaches a soccer team for elementary schoolers. He also runs a youth soccer clinic for 9- to 14-year-olds. He enjoys staying fit and is currently training to run a half marathon. As he begins his professional life, he looks forward to spending his free time traveling; on the top of his “go-to” list are Jamaica and Italy.

Michael Ablowich

Vice President

Mike has worked in public financial management for nearly 30 years, as a state treasurer, state budget director, and technical advisor to several national treasuries in developing and transition countries.


Mike leads our relationship-management team and is also responsible for new client onboarding and their success at three+one. Additionally, he serves a number of cashVest® clients including Westchester and Orange Counties in New York; Skagit County, Washington; Washington County, Tennessee; and the Suffolk County Water Authority in New York.


As state treasurer, and in prior leadership roles in the New Hampshire State Treasury, Mike led a variety of projects to integrate different banking products and reporting services into the daily operations of the treasury. Additionally, he developed and managed RFPs for financial advisory, banking and trustee, and paying-agent services for the State of New Hampshire. For the past 15 years, he has worked abroad with a variety of countries on strengthening public financial management, transparency, and treasury operations through the U.S. Treasury Department’s Office of Technical Assistance.


Mike earned his Master’s Degree in Business Administration from the University of New Hampshire and a Bachelor’s Degree in International Relations from Boston University. In

2005, he earned the “Tanya Gritz Award for Excellence” in Debt Management by the State Debt Management Network and, in the following year, he earned the “Jesse Unruh Award.” This latter accolade, awarded by the National Association of State Treasurers, recognizes the outstanding service of a state treasurer who is currently holding office.


A military veteran, Mike is proud to have served his country as an Army infantry officer.

Scott Allen, MBA

CFO

Scott has been a key member of the three+one team and its development since 2016. He is a very experienced professional with over 30 years in business and finance. Prior to joining three+one, Scott most recently served as Vice President and Business Finance Manager with J.P. Morgan’s Private Bank covering teams in various parts of the Northeastern United States. Throughout his career, he has held a number of diverse leadership roles, of which many were with J.P.Morgan Chase in the greater Rochester, NY area. These have included financial planning, branch and district management, operations and compliance, as well as financial management and strategic planning.

In addition to numerous financial licenses and designations, Scott earned both his BS degree magna cum laude and MBA degree with high distinction from St. John Fisher University.

On the personal side, he most enjoys spending quality time with his wife and their three children, as well as sports and travel.

Zachery Butler

Client Services Associate

Zachery joins the three+one relationship management team as a client service associate with a focus on improving public entities’ overall fiscal performance.

A graduate of St. John Fisher University with a degree in psychology, Zachery was highly active in the academic community and involved in intramural sports and several clubs. His passion for service also extends outside academic circles to include volunteerism with organizations such as the Special Olympics.

As a team member at three+one, Zachery will help advance the firm’s mission of public service by helping public sector and higherEd partners utilize data to better inform their fiscal decision making.

Manel Chaib

Senior Data Analyst

Manel graduated from a school of banking with a thesis in operational risk management. Upon graduation, she continued in the banking industry, with a concentration on credit and mortgage operations, as well as risk analysis. Manel’s growing interest in statistical solutions applied to risk analysis led her to the United States with a Fulbright scholarship to pursue a master’s degree in Computational Finance – a pursuit that continues to deepen her passion for data mining.

William Cherry

Director of Public Partnerships

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. He served as Schoharie County’s Chief Financial Officer and elected County Treasurer for 24 years, and will be retiring at the end of 2019. Bill also served for many years as the Budget Officer for Schoharie County.

In the aftermath of Hurricane Irene in 2011, Bill served for 8 years as the Flood Recovery Coordinator for Schoharie County. He was responsible for overseeing the reconstruction of county government buildings encompassing $100 million worth of infrastructure projects and coordinating FEMA reimbursements.

Bill is a past-President of the New York State Association of Counties (NYSAC) and served on NYSAC’s Board of Directors for 12 years. He was also Chairman of the NYSAC Investment Committee. Additionally, he is a past-President of the New York State County Treasurers and Finance Officers Association, and was the recipient of the ‘County Treasurer of the Year Award’ in 2013, and the ‘President’s Award’ in 2016.

Bill served as a Member of the Board of Directors of the National Association of Counties (NACo), is Member of the National Association of County Treasurers and Finance Officers (NACTFO), also a member of the Government Finance Officers Association (GFOA), and past-President of the Board of Governors of the New York State Municipal Insurance Reciprocal (NYMIR) with more than $150 million in assets.

Bill is a graduate of the State University of New York, with a Bachelor’s of Science degree in Public Administration, with a concentration in Public Finance and Economics.

He and his wife Sherry have five grown children and eight grandchildren, and they live in Glenville, NY.

Ruth Chiumia

Business Development Officer

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. While attending the U of R, Ruth was actively engaged in the university’s Pan African Students Association.

Ruth began her undergrad studies at Jefferson Community College in 2017. She graduated at the top of her class in 2019, with an Associates Degree in Business Administration. During her two years at the Watertown college, Ruth served as a Student Ambassador, an Orientation Leader, and was inducted into the National Society of Leadership and Success.

Born and raised in Malawi, a small, landlocked country in southeastern Africa, Ruth has had a lifelong passion for helping people and their communities. She has proven to be a devoted learner on a quest for knowledge. In her free time, you will likely find her with a book in hand, usually about developmental economics, African literature, or politics. Her love of languages has led her to be fluent in four: English, Chichewa, Tumbuka, and Tonga.

On weekends and vacations, Ruth enjoys traveling across the United States, experiencing what each state has to offer. But no matter where she is in the world, if you’re looking for her in the early hours of the day, check a gym first. For Ruth, staying fit has always been a top priority.

Kyle Cline, MPA

National Dir. of Strategic Partnerships, NACo.-FSC

Kyle Cline serves as National Director of Strategic Partnerships at the National Association of Counties’ Financial Services Corporation (FSC). In this role, he works to develop and deliver value-added, public-private solutions on behalf of the nation’s 3,069 counties.

Among those efforts, he supports the cashvest® liquidity analysis program by managing key relationships with numerous state association sponsors of the program, driving business development and affiliate marketing activities, and ensuring NACo.’s members have access to the revenue generating opportunities that the program provides.

Before joining NACo, Kyle served as National Policy Advisor and head of federal government relations for the Indiana Farm Bureau in Indianapolis. Prior to that, he was awarded the Robert Bosch Foundation Fellowship in Germany and served as General Manager of the Richard G. Lugar Center for Renewable Energy at Indiana University Purdue University-Indianapolis (IUPUI).

Kyle holds a bachelor’s degree in Political Science and a master’s degree in Public Affairs (MPA), both from Indiana University.

Sue Ann Cormack

Public Partnerships Advisor

Sue Ann Cormack joined three+one® in April, 2022 serving as Public Partnerships Advisor. She brings a lengthy career of working with public and not-profit entities as well as corporate, higher-Ed, and financial institutions delivering a solutions-oriented approach to her partners.

In her role at three+one, Sue Ann lends her vast industry expertise to strategically advance the benefits of cashVest® to public entities and higher Ed clients across the nation.

Her accomplished tenure includes serving as Executive Vice President, Director of Sales for Dreyfus Cash Solutions, a division of BNY Mellon Securities Corporation, a registered broker-dealer, Vice President of Dreyfus Cash Investment Strategies, a division of BNY Mellon Investment Adviser, Inc., and Vice President of The Bank of New York.

Sue Ann led various enterprise projects focused on short-term investing, and was responsible for the management oversight of institutional sales, focusing on money market and short-duration products.

With more than 30 years of service, Sue Ann joined the Dreyfus Institutional Services Department in Los Angeles, CA. She was promoted to Regional Sales Manager in 1994 and to Director of Sales in 2000.

Prior to joining Dreyfus, Sue Ann worked in the areas of finance and accounting, trust and wealth management, operations, and investment accounting for various financial institutions, including Citibank, Northwestern National Bank, and Michigan National Bank.

Sue Ann graduated with a Bachelor of Arts degree from St. Olaf College in Northfield, MN. Sue Ann holds Series 6, 7, 24, 26 and 63 FINRA licenses.

Lauren Cybul

Marketing & Sales Associate

Lauren Cybul graduated from the Rochester Institute of Technology in 2021 with a double major in Business Administration and Hospitality & Tourism, and minored in Advertising & Public Relations. She graduated summa cum laude and was recognized for her academic accomplishments and community service. Lauren was a member of both Beta Gamma Sigma and Eta Sigma Delta, and received the Outstanding Graduate Award, an honor only bestowed to the top one percent of all undergraduate students.

While an RIT student, she helped run the Hospitality Financial and Technology Professionals Club (HFTP) and the American Hotel and Lodging Association, while also participating in Project SpiRIT and Women in Business.

Lauren became interested in fintech after volunteering at the Hospitality Industry Technology Exposition and Conference (HITEC), the world’s largest and oldest hospitality technology event.

In her free time, Lauren enjoys cooking, playing cards and board games, and traveling. She also enjoys challenging herself by trying new things outside of her comfort zone!

Alex DeRosa, MPA

Relationship Specialist, Team Leader

Alex first joined three+one as an analyst intern in 2015 and has since grown into a leadership role on our Relationship Team, He now serves as a subject matter expert on our cashVest analysis. His work at three+one allows him to dig into the analytics of public finance and banking while working closely with CFOs, Controllers, elected Treasurers, and more. 

Alex regularly collaborates with banking and investment partners on behalf of the entities he serves in order to confirm that these entities are utilizing their liquidity and treasury services to the fullest potential. He has worked directly with municipal boards and councils to aid in the implementation of new investment and collateral policies. His passion of increasing transparency in the public finance space fits perfectly with three+one’s mission of sharing actionable data and certifying that public entities are doing everything they can to maximize the value of their taxpayer dollars.

Alex has worked with various entities with multi-billion dollar budgets across the country to streamline and enhance liquidity-management processes, returning millions of dollars to taxpayers and stakeholders. He has worked in conjunction with one of the largest counties in the nation to develop and administer an RFP for Banking Services, Merchant Services, and ePayable Products. Alex is also a regular presenter for the National Association of Counties and various state associations across the U.S. Among others, he serves Harris County, TX; Suffolk County, NY; and the City of Syracuse, NY. 

Anthony DiLeo

Accounting & Finance Associate

In May 2020, Anthony DiLeo graduated from St. John Fisher University. In his four years there, he studied Finance and Accounting and was involved in several organizations. In the business school, Anthony held leadership positions in Omega Psi, Fisher’s chapter of Delta Sigma Pi, a well-respected business fraternity, and in the Investment Club. In addition, he was president of Beta Gamma Sigma, an international business honor society that only extends invitations to the top 10% of the class.

While at college, Anthony had two different internships in corporate tax. Starting in his freshman year, he worked at Tops Markets, responsible for Sales and Use tax reporting. He continued this job throughout his college years.

After finishing his junior year, he accepted an internship with Carestream Health in its Tax and Internal Audit department. Over several months there, Anthony had the opportunity to travel to Shanghai, China, to assist in an internal audit. Spending time in one of the world’s most fascinating cities is an experience he will never forget.

His internships gave Anthony valuable exposure to the corporate income tax world and ultimately led to a full-time tax analyst position upon graduation. In this analyst role, he worked in tax reporting, compliance, and transfer pricing.

When he’s not busy at work, Anthony enjoys traveling, playing golf, and spending quality time with his family and friends.

Peter Forsgren, CTP

COO and Co-Founder

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. He started his career as a program analyst for the Oneida Indian Nation and placed his feet firmly on the path of finding efficiencies to benefit organizations that serve the public. Peter later joined Rulison and Company as the first employee of the new Muniflow service – a service designed to assist municipalities invest their funds without endangering daily cash requirements. The service was eventually sold to Bank of America where Peter continued his career through June of 2014.

Peter gained vast experience through his various roles in different divisions within the Bank. Each position required customized approaches, identifying client needs and providing the right treasury services to meet those needs. In 2006, Peter earned his Certified Treasury Professional (CTP) designation and maintains that designation to this day.

Peter’s commitment to the public and not-for-profit community is also exhibited in his volunteer activities. Most recently Peter has been elected as President of the Fairport Central School District Board of Education. He has previously served on the Seneca Waterways Council of the Boy Scouts of America and the Roundtree Homeowners Association.

Tyler Frame

Relationship SPECIALIST

After graduating magna cum laude from St. Lawrence University, with a double major in Economics and Business, Tyler joined three+one® as an intern and is now a Relationship Specialist. He serves public and Higher Ed finance officials across New York, New Jersey, Pennsylvania, Kentucky, Virginia, North Carolina, South Carolina, Nebraska, Texas, and California, helping them generate non-tax revenue by maximizing their financial assets. 

Tyler’s work with Cabarrus County, NC; Westmoreland County, PA; and the City of Columbia, SC, is returning tens of millions in new savings and revenue annually to their taxpayers. Tyler is a frequent speaker at conferences by the GFOA and three+one’s state association partners on the topics of cash and liquidity management. 

Tyler collaborates with towns, cities, school districts, and counties to uncover the potential of their cash through three+one’s proprietary data analyses and cashVest® portal technology. Tyler specializes in the planning and execution of requests for proposal for banking and investment management services through three+one’s rfpPrep® platform. A recent banking services RFP he conducted for a city with a $112 million budget resulted in over $345,000 in new revenue and savings annually for the municipality. 

Outside of the office, Tyler enjoys physical fitness, the outdoors, snowboarding, and car detailing. Tyler’s passion for entrepreneurship and technology led to the creation of his company, iClariti, which he founded while in high school. As an avid traveler, Tyler’s most memorable trips were to Austria, New Zealand, and China. In 2018, he competed in the second annual Xi’an Kunming Lake Rowing Regat

Andrew Hagemeister

Software Developer

It was through his years at NYU’s Steinhardt Music Technology program that Andrew gained his strong technical and programming background. His long-time love of numbers led to his serving as captain of his high school’s math team. That, in turn, developed into a love of problem-solving through computer programming. The end result: Andrew has been able to make continuous advances in three+one’s® software capabilities.

Since his hiring in February 2015, he has made significant contributions to three+one’s® ongoing success. When he’s not working, Andrew enjoys playing and recording music, boating, and skiing. He lives in Rochester, NY.

 

Jessica Bayer Van Zile

Vice President

With significant financial, analytical, and technology experience in both the public- and private-sector marketplace, Jessica brings a deep understanding of the way a public finance office operates, along with advocating for local issues and needs. This is coupled with well-honed analytical skills having worked at a private, global technology leader.

Following the completion of a B.A. in Finance and an M.B.A. in Economics at Virginia Tech, Jessica began her career in the public sector as a financial analyst for the City of Norfolk, VA. This led to her role as City Economist for the City of Richmond, VA. There she focused on financial forecasting, budget writing, and policy analysis, helping local governments manage through the great recession. 

In 2011, Jessica relocated to Seattle, joining the non-partisan staff at the Washington State legislature. While there, she developed the state’s education and transportation budgets, totaling $22 billion and $4 billion, respectively. After completing her work on the development and negotiation of a $7.2 billion education-funding-reform package—resolving a seven-year-long court case—she transitioned to the private sector, joining Amazon in 2018. 

At Amazon, Jessica was able to direct team efforts toward financial reporting, process improvement, automation, and financial controllership. Partnering with business and financial leadership and their business-intelligence team, she improved internal reporting to ensure leaders were all working from a “single source of truth.” She was able to reduce reporting run times, created automated reports that could be responsive to dynamic queries, and created a new reporting process for key performance indicators that was adopted throughout the corporation.

Jessica made her way back to her hometown, Rochester, in 2020 and became a member of the three+one team.

On the personal side, she has a passion for traveling, reading, and cooking. In her free time, Jessica enjoys spending time with her family and her dog, Natty. Training her young horse, Marlow, also keeps her busy. An avid hiker, she’s also recently started working on becoming a 46er, climbing all 46 of New York’s highest peaks. Her charitable work includes volunteering with the Raise a Glass Foundation, and working with local high school and college equestrian teams.

Garrett Macdonald, MBA, CTP

Executive Vice President

Garrett Macdonald is the Executive Vice President at three+one, a national financial-technology company that assists public entities and higher-education institutions execute borrowing, investing, and cash-management decisions. Since joining three+one in 2015, Garrett has played an integral role in developing the firm’s suite of tools including cashVest, rfpPrep, and muniBank. He has also helped lead the expansion of its business across the United States. Garrett leads three+one’s client-acquisition and client-servicing teams and is on its senior-management team.

 

He has worked with some of the nation’s largest public entities and higher-education institutions and their governing boards, investment committees, and financial institutions. For them, he has developed numerous treasury-services efficiencies, leading to improved cash-management strategies, enhanced banking arrangements, and simplified treasury-management processes. These advancements have generated measurable and sustained public value for these entities. 

 

Before joining three+one, Garrett served as an Efficiency Resource Consultant for a global non-profit. He traveled widely for this organization, both nationally and abroad, including such far-flung places as Singapore, Indonesia, and the United Kingdom. 

 

Garrett attended St. John Fisher University in Rochester, NY, where he graduated magna cum laude with a B.S. in Corporate Finance. He went on to earn his MBA there with high distinction. Also, while at St. John Fisher, he received recognition for his scholastic accomplishments and community service. Garrett was invited to join Beta Gamma Sigma, the highest honor a business scholar can receive from an AACSB-accredited business school. 

 

He was a research contributor and co-author of Elementary Financial Derivatives, a 2016 textbook on derivatives and securities, with Dr. Jana Sacks. He also co-authored an academic publication on corporate sustainability and its impact on shareholder returns. 

 

Through the Association of Finance Professionals, Garrett earned his Certified Treasury Professional® (CTP) designation and is also a Certified Corporate Financial Planning & Analysis Professional® (FPAC). He earned a certificate in “Artificial Intelligence: Implications for Business Strategy” from the Massachusetts Institute of Technology. Garrett received a master’s certificate in High-Performance Leadership from the National Association of Counties (NACo) High-Performance Leadership Academy.

 

 

Garrett is a frequent speaker and panelist for regional and national conferences, including those sponsored by NACo, the Government Finance Officers Association (GFOA), the Alaska Municipal League (AML), the New York Association of Counties’ Finance School, the Texas Investment Academy, and the Pacific Consortium of College and Universities (PACCON). Garrett sits on the banking and investment management committee for the New York GFOA. He is on the Board of Directors and the Finance Committee for the Baden Street Settlement, an organization addressing poverty and quality of life for neighborhood children, youth, adults, and seniors in Rochester, NY. Garrett is also on St. John Fisher University’s Alumni Board of Directors.

Samantha Rothschild

Marketing Director

Samantha Rothschild is an accomplished Sales and Marketing professional with over 20 years of experience in the advertising industry. Samantha joined three+one in 2021 to focus on marketing strategy, campaign execution, and partner development.

Before joining three+one, Samantha acquired experience in the out-of-home, digital, and television advertising space. Her experience comes from having been on both sides of the table- as a media seller and at the agency level, bringing unique qualifications to the three+one team.

A proud graduate of St. John Fisher University, Samantha received a B.S. degree in Sport Management and minored in pre-law before finding her passion for marketing strategy. Samantha has a strong appetite for knowledge and is a constant student, interested in learning anything and everything people are willing to teach her. In her spare time, Samantha enjoys spending time with friends and family, practicing yoga, and working on personal development.

Abby Rulison, MBA

Financial Analyst

Abby is a native of Brighton, a suburb of Rochester, NY. She graduated from SUNY Geneseo in 2016 with a Bachelor’s Degree in Accounting, and a minor in Sociology. During her time there, she presided over several clubs, including the Marketing Club, the Accounting Society, and Phi Beta Lambda.

Upon graduation, she first worked in local government, joining the Monroe County Parks Department. It was during her time with this department that Abby felt called to continue her education. To that end, she moved to California to pursue her MBA. Upon completing this advanced degree at the University of Redlands she realized that her heart was at home, and came back to the Rochester area.

Upon her return, she joined The Bonadio Group, a major New York State CPA firm. There Abby worked in the Government, Compliance, and Labor Department, where she specialized in Taft-Hartley Plans and Employee Benefit Plans.

After five years of acquiring knowledge in this sector with The Bonadio Group, Abby followed her passion for public service to join the team at three+one as a Financial Analyst.

When she’s not working, Abby enjoys spending time with her family—and their many dogs—at the Thousand Islands cottage that’s been in the family for decades. For recreation, she is a member of a kickball team, a cornhole league, and loves honing her skills in the game of darts.

Joseph Rulison

CEO and Co-Founder

Joseph Rulison’s multi-faceted career in the financial services sector gives him an expansive viewpoint and breadth of knowledge matched by very few. Since his graduation from St. John Fisher University in 1978, Joe’s professional journey has taken him from being an account executive at Prudential-Bache Securities to his current position as CEO and Co-Founder of three+one, a liquidity analytics and data provider to public entities, higher Ed, and banking institutions throughout the United States.

As President and CEO of Rulison & Company, Joe created a product called Muniflow that helped governmental entities invest their funds without jeopardizing their cash liquidity needs. In 2001, Joe sold Muniflow to Bank of America and served there as Market President in the Rochester, NY region while rolling out his product line throughout the bank’s national footprint.

From 2009 until the launch of three+one® in 2014, Joe managed the J. P. Morgan’s Private Bank in Upstate New York. In this capacity, he managed the Upstate New York team covering Trusts, Estate, Investment Management, and Custody of assets for high net-worth individuals and non-profit organizations.

Joe’s commitment to the community is vast. He is currently a Board Member and Treasurer of the Monroe County Water Authority, Board Member to VisitRochester, and Trustee to the University of Redlands in Redlands, CA. In addition, Joe has served as Chairman of the Board to St. John Fisher College, former Chairman of the County of Monroe Industrial Development Agency (COMIDA), as Chairman of the Board of Trustees for Geva Theatre and a member of the Town of Brighton, NY Town Board. In 2006, Joe received an Honorary Doctor of Laws degree from St. John Fisher College for his work on behalf of the College and the Rochester Community. In 2017, Joe was recipient of the Distinguish Alumni Award from his high school, Christian Brothers Academy, for his commitment to helping others achieve their goal.

Heze Simmons three+one Director of Public Partnerships

Heze Simmons

Director, HigherEd Partnerships

Following a successful career in corporate America and Higher Ed, Heze Simmons has joined three+one as the Director of Higher Ed Partnerships. He is a seasoned C-level financial executive with extensive experience in multiple industries, spanning higher education, technology training, manufacturing and outsourcing on an international stage.

Born and raised in the low country of South Carolina, Heze attended Johnson C. Smith University (Charlotte, NC) where he earned a B.S. in Chemistry. He then joined the U.S. Atomic Energy Commission (AEC) as a plutonium chemist at the Hanford project in Washington State. 

Following his time with the AEC, Heze attended the Harvard Business School where he received an MBA. He then began a 25-year career in corporate America with WR Grace & Company, Digital Equipment Corporation (DEC), and Xerox. Heze climbed the corporate ladder throughout these years, moving from financial analyst to Group V.P. of Finance and Administration.

Taking advantage of an early retirement offer at Xerox, Heze began a new career in education. He joined Monroe Community College (MCC) as Assistant Vice President and reached the level of CFO and V.P. of Finance and Administration. After 18 years with MCC, Heze was tapped by St. John Fisher University as Interim V.P. of Finance and CFO in 2021. 

Heze’s experience led to his service on several boards, including the Board of Trustees of Johnson C. Smith University, his alma mater; The Harley School; Goodwill of the Finger Lakes; the Greater Rochester Health Foundation; East House; and Financial Executive International.

Heze is happily married to AnnMarie, with whom he shares two adult children, four grandchildren, and one great grandchild.

Cooper Swartwout

Business Development Officer

Cooper Swartwout joins three+one as a business development officer where he will build relationships with public sector and higher Ed partners in pursuit of maximizing their financial wellbeing.

Prior to joining three+one, Cooper started his career in public accounting with Deloitte & Touche. At Deloitte, Cooper served as an Audit Associate and served primarily on renewable energy companies specializing in inventory oversight and testing. Although his time at Deloitte was brief Cooper gained valuable experience and an understanding of the importance of proper record keeping and data analytics.

Cooper graduated from St John Fisher University in 2022, with a B.S. in Accounting and Finance. While at Fisher Cooper served as the President of the Dean Student Advisory Council and of the student lead Investment Club. Cooper also participated on the men’s tennis and golf team, and has since given up the tennis racquet for a pickleball paddle.

Cooper is excited to be joining the team at three+one where he will be in a much more client facing role. His goal is to create lasting business relationships with new public entities and higher education institutions, ultimately increasing revenue for both them and three+one.

Kevin Teborek

Business Development Officer

Kevin Teborek recently relocated to the Rochester area from Chicago, after selling his business there. He brings a diverse background to three+one, after having spent time as an entrepreneur as well as many years working in the financial sector. His unique background and experience are sure to bring a breadth of knowledge and depth to the three+one team.

Kevin earned his B.A. degree from Hobart and William Smith College and an MBA from the University of Rochester’s William E. Simon School.

On the personal side, he most enjoys spending time with his wife, Carrie, and their two children and sailing on Lake Ontario. An avid sailor since his teens, Kevin helps up-and-coming younger sailors through the Sodus Bay Junior Sailing Association; he currently serves on its board of directors.

 

Edna Teresi

Client Service Associate

Edna brings a diverse background in the financial industry to three+one®, including positions in both the private and public sectors. Edna began her career by honorably serving in the United States Marine Corps for four years.

For another eight years, she worked as a legal and administrative assistant for the U.S. Treasury Department in New Jersey. She then moved into the private sector, advancing from Compliance Analyst to Senior Administrator in Internal Compliance for Schwab Capital Markets. From there, she continued her work as a Compliance Specialist for JP Morgan Chase. Outside of her work in the financial industry, Edna is a health and wellness coach and a martial arts trainer.

LaTonya Youmas

Client Service Associate

LaTonya will be supporting her team members by assisting with data collection and implementation. LaTonya currently resides in Rochester, NY, with her husband, Roger, and two daughters. She is a proud alumnus of Livingstone College (Salisbury, NC), where she earned her Bachelor of Science degree in Political Science.

LaTonya joined three+one with over 25 years of banking experience with JPMorgan Chase. While employed at JPMorgan Chase, she served in various roles, such as Team Leader (Personal Credit Services), Supervisor (Correspondent Mortgage), and Client Service Associate (Middle Market area covering municipal and government clients). LaTonya currently works closely with entities to gather and analyze banking data to ingest into our cashVest and rfpPrep platforms. She also frequently issues and manages rate quotes requests on behalf of public sector and higher Ed clients to ensure more equitable banking structures. Among clients of a similar size to Delaware County, LaTonya currently works closely with Harris County, TX; Suffolk County, NY; Orange County, NY; and the City of Columbia, SC, with interest breakdowns and balance check-ins. This is done to help manage balances and interest total amount earned.

Jacob Wales

Financial Analyst

A mathematician by education and training, Jacob joins the three+one team as a financial analyst. With experience in both higher education through his intensive research, and a post-academic career in the private sector as an accountant, he is well-positioned to understand and provide critical insights to the financial health and liquidity management of three+one partners.

Jacob attended Rochester Institute of Technology having earned both a bachelor and masters of science degree in applied and computational mathematics. While at RIT, he was a leading contributor to team-development of a model used to perform predictive analysis within networks to reduce costs and limit inefficiencies. Continuation of this work is pivotal to the financial well-being of three+one’s clients and their stakeholders.