• Case study

How we cut AFCO’s costs by 40% while doubling their collections performance.

Collectors got real-time access to the audit numbers, and CPA-level work moved to a lower-cost remote team. Collections doubled, and costs fell.

Client AFCO
Industry
Financial services & insurance
Positions
Premium audit & collections
Seats
Specialists & analysts

The result

40%lowercosts

Total program costs were reduced by 40%.

To perform our core functions, we need professionals who can not only read financial statements but understand the broader context and communicate effectively with customers to collect additional premiums.

AFCO executive

01The situation

Two teams. Zero connection.

When a policy audit showed a customer owed more, AFCO’s auditors figured out the amount, and collectors had to ask for it. The two teams worked apart, so customers got bills no one on the phone could explain.

Highly paid auditors couldn’t collect, and collectors didn’t understand the numbers.

02The problem

The people weren’t the problem. The process was.

Collectors had the balance due, but not the payroll figures, class codes, or audit math behind it.

  • Audit findings reached collections as a single number, with no breakdown.
  • Customers pushed back on bills that collectors couldn’t explain.
  • Simple billing questions went to CPA-level auditors, the most expensive people on the team.
  • Unpaid balances slid toward cancellation notices, and recovery rates kept falling.

Payments stalled while questions bounced between teams. Costs kept climbing, with nothing connecting the audit to the collection.

03The solution

One team that can read the numbers and act on them.

We built a remote team that pairs CPA-level skill with collectors who know what’s behind every bill.

No more handoffs. Auditors and collectors worked the same accounts, together.

  1. We hired CPA-level talent for a fraction of what AFCO was paying.

  2. We put auditors and collectors on one team, working side by side.

  3. Collectors got the audit numbers as soon as they were ready.

  4. Collectors could explain each bill, so customer calls got clearer.

  5. We handled the hiring, equipment, IT, and HR, so AFCO could focus on collecting.

04The outcome

More money in, cleaner audits, clearer calls, and lower costs.

The results

40%
lower total program costs
2X
collections performance, year over year
30%
higher audit accuracy

Collectors now get the full picture on every bill, and auditors stay on audits.

  • Program costs down 40%, with the same work covered
  • Audits 30% more accurate
  • Collections up 100%, year over year
  • Customers got clear answers about their bills
  • One team handles each account, from audit to payment

AFCO now collects more of what it’s owed, runs more accurate audits, and gives customers clear answers, for less than it used to spend.

“To perform our core functions, we need professionals who can not only read financial statements but understand the broader context and communicate effectively with customers to collect additional premiums.”

AFCO executive, AFCO

One monthly fee per finance hire.

There’s no placement fee to hire an auditor or collector. One fee a month covers them, start to finish.

A local finance hire, salary plus overhead$5,958/month
A Remote Employee in the same role$2,050/month

Illustrative example that updates with the calculator. Your fee depends on the role and experience level; the marketplace shows a monthly range for each candidate.

Inside the fee

  • Recruiting and screening
  • Background & medical checks
  • Compliance & BIR registration
  • Payroll & employment taxes
  • Comprehensive medical benefits
  • Perks & team events
  • Workstation & equipment
  • IT support & HR administration
  • HR management software

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Jamie Moricle, Employment Facilitator

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“The team has been disciplined, sincere, and helpful in reducing our workload so we can focus on other areas of the business.”

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“Working with Remote Employee has strengthened our organization by improving efficiency and increasing capacity. It’s not just a cost strategy—it’s about building a more efficient, scalable organization.”

Misty Walter, Business Operations Manager

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Carrier: fixed broken operations without replacing the systems

“Remote Employee gave us access to highly skilled talent we couldn’t afford locally.”

Carrier executive

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“It required a highly capable, detail-oriented professional who could manage a complex process end-to-end. Remote Employee helped us find exactly that talent, and the results speak for themselves.”

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What would this role cost you?

Hours (part-time is estimated at half the full-time price)
Where you hire today
$
Benefits, payroll tax, space, equipment
Your cost today, per year$71,500
A Remote Employee, per year$24,600
DifferenceAbout $3,908 a month
$46,90066% less

Want the exact number for your role?

Or post your position and we shortlist in days.

Illustrative, not a quote. The Remote Employee figure is an example fee for this role and experience level. Overheads include recruiting, payroll, benefits, office, and equipment. UK and Australia figures use fixed example exchange rates.

Video call · 10 minutes · No obligation

10 minutes on your collections process.

Pick a time with a recruiter who has staffed audit and collections roles before.

  • What each hire costs
  • When you can interview
  • How to collect more
  1. 1Pick a time
  2. 2Your details

Times in your time zone · Video call, 10 minutes

Next step

Bills nobody can explain? Let’s fix that.

Talk to a recruiter, post the role, or look through pre-vetted collections and finance staff. Start wherever fits.

Collect more, sooner

Tell us how collections run today. We’ll show you what it would cost to bring in more of what you’re owed, and how soon we could start.

Book a 10-minute call

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