Jack Kosmoski is a senior product manager with BMO Harris Bank where he manages a portfolio of electronic receivables products including EBPP, ACH/EDI Collections, Comprehensive Receivables, Lockbox Distributed Capture, Online Billpay Consolidator and Email Matching.  Jack helps clients improve their cash inflows and accounts receivable processing through pragmatic approaches that employ the latest technology.  Prior to joining BMO Harris Bank in 2007, Jack developed and managed receivables-oriented solutions at Key Bank and U.S. Bank.