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Want to Work with VARO?

Want to Work with VARO?

As a company, these are the principles we stand by:


At VARO, we value integrity and honesty from our team, encouraging pride and collaboration in all aspects of our company.


With nearly 2 decades of experience, VARO and the rest of the BYL Companies work together to offer streamlined services.


When outsourcing your office operations and trust to VARO, we’re transparent on costs, reporting and everything we do for you.


Every team member undergoes extensive training and auditing on our services and industries to ensure compliance and quality control.

Our companies

At BYL Companies, we offer a multitude of Business Process Outsourcing (BPO) solutions so you can concentrate on what you do best – running and growing your business. With BYL you get streamlined, behind-the-scenes operations run by experienced specialists in their chosen field.


Jeffrey P. Heft
Chief Executive Officer,  BYL Risk Management, LLC

Jeffrey (Jeff) is the CEO of BYL Risk Management, LLC. He is responsible for providing strategic leadership for the company by working with the Executive Management Team to establish long-range goals, strategies, plans, and policies. Prior to founding BYL in 1998, served as a CPA for Kimmel, Lorah & Associates for 11 years, and as the Chief Financial Officer for American Telecast Products, a global leader in direct response marketing, for 10 years. Jeff holds a degree in Accounting from Drexel University and is a Certified Public Account.

Raymond W. Stein
Chief Operations Officer,
BYL Risk Management, LLC

Raymond (Ray) is the COO of BYL Risk Management, LLC. He is responsible for all operational aspects of the company, including daily operations, revenue goals, performance metrics, and mitigating legal, compliance, and technological risks. Ray started his career in the Collections industry in 1986 as a collector for Financial Collection Agencies. Over the last 22 years, Raymond has successfully held management-level positions with both creditors and collection agencies. Prior to joining BYL in 2005, Raymond developed and headed up Wachovia Bank’s collection agency/attorney management program.

Karen Sliwinski
Chief Information Officer, BYL Risk Management, LLC

Karen is the CIO of BYL Risk Management, LLC, and its subsidiaries. She is responsible for all information technology functions relating to the company's technology platforms, development, data processing, vendor management, and help desk support. As the CIO, she develops and implements policies and procedures to ensure computer networking and system management remain compliant and secure. Prior to joining BYL in 1998, Karen served as Collection Manager for American Telecast Products.

Ryan M. Howard
President, BYL Risk Management, LLC

Ryan is the President of BYL Risk Management, LLC and its subsidiaries. He is responsible for overseeing marketing, sales, client services, strategic partnerships, and the financial health of the companies. Prior to his role as President, Ryan worked in multiple departments throughout the organization. Starting in data processing, insurance billing, and collections, In 2004, Ryan assisted in the formation of the company’s background screening division, VeriFirst. Most recently, Ryan has served as VP of Business Development for the group. Ryan holds a BA Degree in Communications from Lynn University.

Join the company

BYL's success is due in large part to the experience and hard work of our employees. If you are interested in joining the BYL network of companies, we'd like to hear from you.