Shareholder Information

CreditRiskMonitor® (OTCQX: CRMZ) is a publicly held company, launched in 1999.

Corporate Officers

Jerry Flum

CEO and Chairman of the Board


Larry Fensterstock

Chief Financial Officer


Joshua Flum

Joshua M. Flum has been a Director since September 2007. He has been an executive with CVS Health Corporation since July 2004. Mr. Flum began his career at CVS Health in Store Operations and is currently Executive Vice President, Enterprise Strategy and Corporate Development. Mr. Flum is a graduate of the Yale Law School and spent the first years of his professional career clerking for the Honorable Edward R. Becker, Chief Judge of the United States Court of Appeals for the Third Circuit, and then at the law firm of Miller, Cassidy, Larroca and Lewin, LLP. He then joined the Boston Consulting Group where his work focused on the consumer and retail practice area.  Mr. Flum is the son of Jerome Flum.


Jeff Geisenheimer

Jeffrey S. Geisenheimer has been a Director since December 2005. He has been the Chief Financial Officer/Chief Operating Officer for Estimize, Inc., a crowd-sourced financial estimates platform, since December 2017 and has served as a director since July 2016.

Prior to joining Estimize, Inc., Mr. Geisenheimer was Chief Financial Officer for the Coleman Research Group, Inc., a primary research firm serving the investment and corporate communities, from 2011 to 2017. Prior to that, Mr. Geisenheimer was the CFO of five private equity-backed companies (Ford Models, Inc., from 2008 to 2011, Managed Systems, Inc., from 2007 to 2008,, Inc., 2007, Instant Information, Inc., from 2005 to 2007 and Moneyline Telerate, Inc., from 2003 to 2005) and two publicly traded companies (, Inc., from 1999 to 2003, and Market Guide, Inc., from 1987 to 1999). While CFO at three of these companies (Market Guide, Multex and Moneyline Telerate) he oversaw their acquisition by much larger corporations.

Mr. Geisenheimer received a B.B.A. degree in banking and finance and an M.B.A. degree in accounting from Hofstra University.


Richard James

Richard James is a Consultant for Sigma Breakthrough Technologies, Inc., working with leading international and domestic Fortune 500 companies to improve their new product development and operational processes, since 2005. From 1980 until 2002, Mr. James served as the Technical Manager for Polaroid Corporation's Consumer Hardware Division, supporting manufacturing plants in Scotland, China and the United States. In this role he was responsible for increasing the business performance of Polaroid's instant consumer cameras through improved manufacturing processes and product redesigns. From 1968 through 1979, Mr. James was President of James Associates, a group of businesses involving accounting and tax preparation, small business consulting, real estate sales and rentals, and retail jewelry sales. Mr. James was a founding Board member and VP Finance of the Boston Chapter of the Society of Concurrent Product Development. Mr. James holds a BS in chemical engineering from Northeastern University and has completed extensive managerial and technical subjects.


Andrew Melnick

Andrew J. Melnick has been a Director since March 2005. He has been a Managing Partner of SkyView Investment Advisors, since 2010. The firm acts as an investment advisor to various independent investment organizations. From 2005 to 2009, Mr. Melnick helped manage two hedge funds. He retired from Goldman, Sachs & Co. at the end of 2004. He joined Goldman Sachs in 2002 as Co-Director of its Global Investment Research Division and a member of its Management Committee. Prior to joining Goldman Sachs, Mr. Melnick was Senior Vice President and Director of the Global Securities and Economics Research Group of Merrill Lynch. During his 13 years at Merrill Lynch, he expanded the Firm’s Research Group from primarily a domestic effort to one with research offices in 26 countries around the world. During that period Merrill Lynch was ranked as the top research department in nearly all regions of the world including six straight times as the number one equity research department in the United States. Previous employment: President of Woolcott & Co., a boutique research and investment banking firm; Director of Research and a Partner of L.F. Rothschild Unterberg Towbin; and Senior Analyst at Drexel Burnham Lambert. He was a U.S. Army Signal Corps Officer and served in Vietnam. Mr. Melnick is a Commissioner of the Monmouth County Improvement Authority, a member of the Board of Trustees of the Monmouth Medical Center, and serves on the Board of Governors of the American Jewish Committee and acts as Chairman of their Investment Committee. Mr. Melnick earned a BA in economics and MBA in finance from Rutgers. He is a Chartered Financial Analyst (C.F.A.).


Management Team

Jerry Flum

Jerry Flum is a former hedge fund manager and lawyer. He has been Chief Executive Officer and Chairman of the Board of Directors of CreditRiskMonitor® since 1999. Before CreditRiskMonitor®, Jerry held a series of investment leadership roles, including as an institutional security analyst, research and sales partner at an investment firm and founder and general partner of a private investment pool.

Before entering the investment business, Jerry practiced law, helped manage a U.S. congressional campaign and served as a legal and legislative aide to a U.S. Congressman. He has been a guest lecturer at the Massachusetts Institute of Technology/Sloan School of Management Lab for Financial Engineering. He served in the USMCR and holds a BS in Business Administration from Babson College and a JD degree from Georgetown University Law School.


Larry Fensterstock

Larry Fensterstock was elected Chief Financial Officer in 1999 upon the company’s acquisition of Market Guide’s credit information services division. He joined Market Guide in September 1996 to help create its credit information services division. From 1993 to 1996, Larry was with Information Clearinghouse Incorporated ("ICI") and was closely involved in the formation of its credit reporting service. In addition to being responsible for the publication of the various facets of this credit reporting service, he was chief operating and financial officer of ICI.

From 1989 through 1992, Larry was Vice President-Controller, Treasurer and Corporate Secretary for a private entity formed to acquire Litton Industries’ office products operations in a leveraged buyout. He spent more than 2 years acting as de facto chief financial officer.

Larry is a certified public accountant who began his career in 1973 with Arthur Andersen LLP. He holds an MBA from The University of Chicago Business School and a BA in economics from Queens College.


Michael Broos

Michael Broos has been Chief Technology Officer since December 2001. He has more than 40 years of experience leading technology teams in the development and implementation of software applications for the Internet, Windows, DOS, and mainframes.

Before joining the Company, Mr. Broos was Senior Vice President of Technology for; Chief Technology Officer of; Chief Technology Officer of; Vice President of Internet Solutions for; and Vice President of Software Development for Dun & Bradstreet for eight years.

Prior to joining Dun & Bradstreet in 1990, Mr. Broos was an independent consultant and entrepreneur for 10 years, during which time he co-founded several software companies, including Infocom (the creators of Zork). Mr. Broos began his career with a ten-year stint on the academic computer research staff of the M.I.T. Laboratory of Computer Science, where he developed interactive, graphical and email-based applications for the ARPANET (the precursor of today’s Internet).


Michael Flum

Michael I. Flum joined the Company on a part-time basis in June 2018 as Vice President of Operations & Alternative Data, while attending Columbia Business School, and became a full-time employee in June 2019 after graduation. He is responsible for operational strategy and implementation to leverage existing human capital through technology and efficient work processes as well as the Alternative Data revenue line.

Prior to joining CreditRiskMonitor®, Mr. Flum served as Vice President of Operations at Gullett & Associates, Inc., a Houston-based midstream oil & gas survey and drafting services firm from 2016-2017. Mr. Flum held various engineering and project management roles at Enterprise Products Partners, a Houston-based oil & gas pipeline owner/operator from 2009 to 2016. Over his time in the oil & gas sector, Mr. Flum successfully completed pipeline and plant projects totaling over $1.3 billion dollars. He was also able to install processes which streamline service offerings and unify customer experience across teams. Mr. Flum received a BS in Mechanical Engineering and a BA in Religious Studies from Rice University. He received his MBA from Columbia Business School in May 2019.

Contact Information, Inc

704 Executive Boulevard

Suite A

Valley Cottage, NY 10989


Transfer Agent

American Stock Transfer and Trust Company

6201 15th Avenue

Brooklyn, NY 11219