Client Access
Make a Payment
6785 Telegraph Road, Suite 400
Bloomfield Hills, MI 48301
(877) 454-3400

About Us

Learn more about our core values, history and management team.

// Our Core Values

These values are the very foundation of our success, both internally and for our clients, and are deeply rooted in each and every member of the Latitude Family.
  • Honesty and fairness
  • Integrity in all aspects of our business
  • Maintaining a respected reputation
  • Team work
  • Long-term relationships with client partners
  • Win/Win for clients and employees

// Our History

LSS is celebrating 26 years of recovery servicing. Since 1997, LSS has provided solutions for insurers, self-insured entities, third party administrators and specialty risk companies as a subrogation vendor and purchaser of subrogation assets. Through the vision of our founder, Bradley J. Schram, Esq., and a strong management team, the company has experienced steady growth by maintaining strong relationships with its client partners by delivering results through our subrogation management program. Today, the company is experiencing unprecedented expansion as a premier subrogation servicing company with long standing clients and new relationships. We utilize state-of-the-art technology along with the best employees in the industry to showcase our expertise and maximize results for our clients.

// Inclusion and Diversity Statement

Latitude and it’s family of companies are committed to sharing values of diversity and inclusion in order to achieve excellence. We believe in having a diverse group of employees working together in a climate of respect and support. Our Latitude Family welcomes people from diverse backgrounds and thank all members of the Company for their continued dedication and support in strengthening the company. All of us our better than any one of us.

Latitude Subrogation Services (LSS) is committed to diversity, equity, and inclusion in all forms and areas of the Company. We celebrate and foster a company culture of inclusion for all emphasizing and recognizing diversity on the basis of race, religion, gender, national origin, ancestry, language, age, marital status, sexual orientation, gender identity, gender expression, physical or mental disability, medical condition, genetic information/characteristics, veteran status, political affiliation, or any other characteristics. To that end we continue our long-time commitment to hiring, retention, and recruitment policies and practices that bring our LSS Family in line with our core values and beliefs. Beyond embracing diversity in our broader secular community, we also specifically acknowledge, embrace, and respect diversity of opinion and the diversity of our LSS Family. We will engage conversation within our diverse family and community, striving to enrich individuals and organizations alike, and make our world a more just and equitable one.

// Our Team

Bradley J. Schram, Esq.
Mr. Schram's vision for building a vehicle for purchasing subrogation claims launched Latitude Claims Services in 1997. Latitude Subrogation Services began in 1998 as the subrogation servicing vehicle for purchased claims. Mr. Schram is a practicing attorney and established the law firm of Hertz Schram PC in 1979, and has served as its President and largest shareholder since its incorporation in 1981. Mr. Schram has been involved with dozen of insurance related class action lawsuits defending director and officer liability actions. The law firm of Hertz Schram PC currently has 30 attorneys and specializes in securities law, real estate, banking, corporate and finance, estate planning and creditors rights. Mr. Schram is admitted to practice law in Michigan, Florida and Washington, D.C. Mr. Schram received a political science degree from the University of Michigan's Honors College. Mr. Schram spent six months in South America as a photojournalist for several U.S. newspapers before attending Georgetown University law Center in Washington, D.C. where he received his juris doctorate degree in 1976. Mr. Schram is actively involved in all operating aspects of the Latitude family of companies.

Adam McIntosh
Vice President of Claims
Mr. McIntosh joined LSS in 2002, and brings with him 18 years of subrogation and claims expertise. Mr. McIntosh oversees the day to day management of Claims, and is responsible for all daily work processes, policies and initiatives while assisting with strategic planning and overall business operations. Mr. McIntosh holds a B.A in Communications from Michigan State University, a CSRP designation from NASP and a Certificate in General Insurance from IIA.

Benjamin Ebling
Director of Business Development
Mr. Ebling joined Latitude in June 2012. He brings with him a wealth of claims subrogation knowledge and experience acquired during his 25 year insurance industry career with Westfield Group and Nationwide Insurance companies. During that time he served as a Claims Representative, Trainer, Sr. Subrogation Specialist, Regional Subrogation Manager, and Business Project Management Consultant. Mr. Ebling earned his degree in Business Management and holds the designation of CSRP with NASP, and MCSA with Arbitration Forums. He has supervised various claims business units and the quality department for Latitude. His current area of responsibility is new client development, and fostering long-term client partnerships and affinity business relationships.

Mark Bartoski
Director of Information Technology
Mr. Bartoski joined Latitude in November 2021 and is responsible for establishing and executing the Information Technology (IT) vision and strategy. He is also accountable for IT operations, including network infrastructure, hardware, applications, business analysis, and reporting. Mr. Bartoski brings over 25 years of experience in IT operations, data analytics, program management, application development, process automation, budget management, contracting, and vendor management. Mr. Bartoski previously provided enterprise digital transformation solutions involving cloud, on-premises, and hybrid designs as a Technology Strategist at Microsoft Corporation. Before joining Microsoft, Mr. Bartoski served as the Executive Director of Information Technology at Detroit Public Schools. In this role, he made substantial improvements to the IT infrastructure, implemented a comprehensive cybersecurity strategy, automated business processes, transformed the IT department’s culture, improved end-user customer service, introduced collaboration and data analytics tools, and reduced wasteful spending. Mr. Bartoski has a B.S. degree in Computer Engineering from Oakland University and holds certifications in Microsoft Azure and Cisco Systems Network Administration.

Jim Wilds
Executive Consultant
Jim Wilds joined LSS in 2020 as an Executive Consultant. His insurance career spans over 40 years at Allstate, USF&G, Reliance and Frankenmuth Insurance from where he retired as a Senior Vice President of Claims and member of it's board of directors. He is a graduate of Michigan State University and during his insurance career earned industry designations of CPCU, SCLA, Registered Professional Adjuster (RPA), AIM, ARM, CIC, Certified Fraud Examiner (CFE), and Mutual Director Certificate (MDC). In addition to his claims and subrogation focus, throughout his career, he was very active in legislative and governmental affairs serving as Chairman of the Claims Committee of the Michigan Property and Casualty Guaranty Association (MPCGA), and the Michigan Catastrophic Claims Association (MCCA.) He also served as chairman of the board for the Insurance Institute of Michigan (IIM) and as a member of the board of directors at the Michigan Chamber of Commerce, the National Association of Mutual Insurance Companies (NAMIC), and the Saginaw Chapter of the American Red Cross. Jim Wilds was inducted into the Michigan Insurance Hall of Fame in 2010 and in 2016 received the NAMIC Merit Award in recognition of his exemplary efforts and professionalism in the property and casualty insurance industry. He currently serves on the Olivet College Insurance and Risk Management Advisory Board and the MI Insurance Hall of Fame board of directors.

Tammy Byrd
Claims Manager
Ms. Byrd joined Latitude Subrogation Services in March 2015 as a Subrogation Specialist and was quickly promoted to Claims Supervisor. Ms. Byrd brings over 25 years of experience in the collection agency industry. The vast majority of her experience was as an executive overseeing the day-to-day operations for an agency that was born to service the insurance industry with their uninsured auto claims. During her tenure with Latitude, she has supervised several business units within the organization; Auto Subrogation, Uninsured, Salvage and Restitution Teams, as well as files being handled by our outside collection vendor and auto fire expert. Ms. Byrd is currently a Claims Manager providing leadership to our Auto Subrogation, Arbitration and Salvage Teams. Ms. Byrd holds a designation as a Certified Subrogation Recovery Professional (CSRP) with NASP.

Christina Freund
Claims Supervisor
Ms. Freund began her career with Latitude as a Medical Subrogation Specialist in 2012. When the Quality Department was created in 2015, she transitioned to that team and was promoted to the position of Quality Analyst. She was then promoted to Senior Analyst in 2019, and became the Team Lead the following year. When Latitude began utilizing their new system in 2021, she also received a designation of Subject Matter Expert. She was responsible for assisting in the training of existing employees on the system, and would coordinate system training for new employees joining the company. In February of 2022 she was promoted again, this time to Claims Supervisor. She has 20 years of experience in the subrogation industry, beginning with Safeco Insurance in 2002. Prior to that she had experience with medical billing, and coordination of benefits. She has handled subrogation and auditing for all lines of business. Ms. Freund began earning certifications as an Auto Arbitrator for Arbitration Forums in 2007, and is now certified in all available forums. She continues to volunteer her services to hear cases for them on a monthly basis. She also received her CSRP (Certified Subrogation Recovery Professional) designation in 2009. She is currently responsible for overseeing the Auto and Medical Subrogation Departments.

Tommy Bland
Quality & Mining Supervisor
Mr. Bland joined Latitude Subrogation Services in June 2022 and is responsible for overseeing the Quality and Mining departments. He brings with him a wealth of claims knowledge, experience, and leadership acquired over his more than 20-year career in the insurance and financial services industries. Prior to joining Latitude, Mr. Bland spent 17 years in various claims roles with State Farm Insurance, including Auto Claims, Property Claims, Casualty/Liability Claims, and Subrogation Recovery, Litigation, and Arbitration claims. He has experience leading in operations excellence management, process improvement, business analysis, and quality assurance areas. He also has financial advisor and analyst experience, previously holding the Series 7 and 63 licenses and Registered Investment Advisor designation. Mr. Bland has a B.B.A. degree in Finance from Middle Tennessee State University where he was a member of Gamma Iota Sigma (GIS) professional fraternity for students pursuing careers in Insurance, Risk Management, and Actuarial Sciences. He also is an alumnus of Purdue University where he completed the post graduate program in Business Analysis, and he holds various insurance industry designations including the Certified Subrogation Recovery Professional (CSRP) with NASP, the Chartered Life Underwriter (CLU) with The American College, and the Certified Automobile Subrogation Arbitrator (CASA) with Arbitration Forums.

Valerie Davis
Legal Supervisor
Mrs. Davis began her career at Latitude as a Legal Supervisor in October 2022. She has more than 20 years of subrogation/claims experience, beginning her insurance career at Geico Insurance in 2002. Then moving on to a TPA handling arbitrations, senior adjuster for negotiations, settlements, and a trainer. Throughout her career, Mrs. Davis has handled the claims processing to include self-insured, first party, subrogation, liability claims, bodily injury, property damage, uninsured/underinsured, legal, collections and arbitration. Mrs. Davis has successfully filed, or reviewed the filings, of thousands of arbitration cases through Arbitration Forums. She has been a Certified Arbitrator for Arbitration Forums and has been awarded for her best/fair decision making. As well, she has overseen thousands of legal/collections claims workingwith Attorney’s/Agency’s to settle, negotiate and collect on claims. Currently, she is responsible for overseeing the Legal, Restitution and Collections Departments.
Jon Coscia
President & CEO
Jon Coscia, CSRP, President and Chief Executive Officer of Latitude Subrogation Services, holds an Associate Degree in Criminal Justice from Schoolcraft College, in Livonia, MI and a Certified Subrogation Recovery Professional designation from the National Association of Subrogation Professionals.

He currently oversees all areas of company operations including sales and marketing, strategic planning, accounting, business unit operations, claims, information technology, human resources, and employee development.

Mr. Coscia has held the positions of Claims Adjuster, Claims Supervisor, Claims Manager with a national insurance carrier, and brings with him over 25 years of subrogation, claims management and leadership experience.

He is the Associate Dean of the School of Claims Performance through the International Insurance Institute and has served as both board member and Vice President of the Claims Education Conference since 2014.

Mr. Coscia is Sr. Content Consultant to Claims Professional Books Online and is the author of the highly acclaimed book, Awesome Claims Customer Service–Part 1 which was the #1 selling claims book for 2021, and has sold internationally throughout the United States, Canada, Australia, England, and 9 other countries.

He has been featured in numerous periodicals as well as the lead story entitled, Living By Core Values in the 2016 Winter issue of Claims Education Magazine.

Mr. Coscia is co-author of the Emplyee Development management course offered through III, and his article entitled, Employee Education and Development outlines many of his respected tips on tapping employee talent.

He is an active board member of National Association of Subrogation Professionals serving as Treasurer and is chair of the Technology committee. He is also a current member of PLRB and NAMIC.

Paul Webb
Chief Claims Officer
As LSS's first employee, Mr. Webb brings over 30 years of subrogation and claims experience. Mr. Webb began his insurance career at CNA Insurance where he oversaw subrogation for 13 years. Mr. Webb routinely conducts training seminars for insurance carriers and trade associations throughout the country. He holds the designation of Certified Subrogation Recovery Professional (CSRP). Mr. Webb oversees the entire claims operations and specializes in technical claims analysis, reporting and service performance. Mr. Webb holds an Arts and Associates Business Degree from Wayne County (MI) Community College and is actively involved in NASP, PLRB, RIMS and NAMIC.

Marc Hassen
Chief Operating Officer
Mr. Hassen joined Latitude in 2019 and is the Chief Operating Officer for Latitude Subrogation Services. Mr. Hassen previously provided leadership of Claim teams at The Auto Club Group (AAA) including subrogation, theft claim handling, and shared services such as fraud investigations, quality auditing, vendor management, claim processing, call centers, and operational reporting and analysis. He also worked in multiple roles at AAA in Internal Audit management, IT, and Finance; and in IT at Dow Corning. He has experience building and leading departments focused on customer satisfaction, performance management, process improvement and quality. Mr. Hassen has a B.S. degree from Central Michigan University, with a major in history and minors in computer science and music. He has held the Certified Property Casualty Underwriter (CPCU), Certified Internal Auditor (CIA), Certified Fraud Examiner (CFE), Certified Quality Auditor (CQA), Certified Information Systems Auditor (CISA) and Associates in Claims (AIC) certifications.

Susan Smith, CPA
Director of Finance
Ms. Smith, a C.P.A., joined Latitude in November 2019. She brings with her over thirty years of experience in the public accounting arena. She was previously a shareholder with Rubenfaer & Associates, P.C., a local MI CPA firm. Ms. Smith holds a Bachelor of Science in Business Administration degree, with a major in accounting, from Central Michigan University. She is a member of both the American Institute of Certified Public Accountants and the Michigan Association Certified Public Accountants. Her current area of responsibility is providing leadership for the accounting team along with overseeing company financial information, both internally and with external business partners.

Shaunna Kosmas
Client Account Manager
Mrs. Kosmas joined Latitude in May 2021. She brings 10 years of client-facing experience specializing in client relationship building, reporting, social media management, and public speaking/presentations. Mrs. Kosmas provides critical support to her team through client relations, business development, and sales & marketing assistance. Her main role is focused on overseeing customer accounts by serving as the client liaison, with a focus on enhancing their overall customer experience.

Anita Williams
Claims Supervisor
Mrs. Williams began her career at Latitude as a Subrogation Specialist in 2006. She transitioned to the Arbitration Department, quickly being promoted to a Senior Arbitration Specialist and then to the Auto/Arbitration Team Lead in 2016. In September of 2017, she was promoted to Claims Supervisor. She has more than 30 years of claims and subrogation experience, beginning her insurance career at Farmers Insurance in 1989. Throughout her career, Mrs. Williams has successfully filed, or supervised the filing, of thousands of arbitration cases through Arbitration Forums, the Kentucky Arbitration Association and the NAMIC Arbitration Service, in all forums and in every state. She has been a Certified Arbitrator for Arbitration Forums since 2001 and continues to volunteer to hear cases on a monthly basis. Currently, she is responsible for overseeing the Arbitration and Auto Subrogation Departments. Mrs. Williams holds a designation as a Certified Subrogation Recovery Professional (CSRP) with NASP, as well as Auto and Special arbitration certifications with Arbitration Forums.

Melissa Torres
Claims Support Supervisor
Mrs. Torres is the Supervisor of the Claims Support team. She began her career with Latitude Subrogation Services in 2011 as a Claims Support Specialist before being promoted to the Claims Support Team Lead in 2019, and Supervisor in 2020. Mrs. Torres’s team provides critical support to the subrogation and salvage operations through responsibilities such as initial claims entry, assignments to Latitude specialists, retrieval of information from and upload to client systems, incoming and outgoing mail handling, document processing, and office management.

Valerie Bradford
Claims Supervisor
Ms. Bradford joined LSS in 2019 as an Auto Subrogation Specialist. She moved to the Property Team in 2020. Ms. Bradford has 20 years plus years of insurance experience to include handling self-insured, first party, subrogation, workers compensation, liability claims, bodily injury, property damage, medical payments, uninsured/underinsured, arbitration, and bad faith. Prior to working for LSS, Ms. Bradford worked for a self-insured manufacturing company, and a few Third-Party Administrators where she was a Subrogation Manager and Team Lead. She primarily handled liability disputes, negligence, fire, vehicle losses, filing arbitration, and commercial claims, in addition, she is maintaining her all-lines adjusters licensing. In August of 2021, Ms. Bradford was promoted to a Property Supervisor and oversees a team of Property Specialists. Ms. Bradford enjoys spending time with her family, reading, and taking her dogs to the beach.