Our Philosophy


We are ATG Risk Solutions, innovators of the Telematics Clearinghouse. We are the leading provider of connected vehicle data and proprietary vehicle safety scoring resources for underwriting and claims for the property and casualty (P&C) insurance industry. ATG Risk Solution data management techniques rigorously adhere to the highest standards regarding the protection of personally identifiable information (PII) following these principles:




Policyholders and drivers have a right to decide with whom to share their data and for what purpose. This includes accepting ongoing monitoring of vehicle systems, collisions, repairs and data of the vehicle owner’s choice.


Policyholders and drivers have a right to clearly understand what information is being collected from their vehicle, how it is being used and steps to improve their driving scores


Policyholders and drivers have a right to expect that claims adjusters, agents/brokers and the partner service providers will use reasonable measures to protect vehicle data systems and services against unauthorized access and misuse.


The Team


Chris Carver

Founder and President

Chris Carver is licensed to pilot most things that fly, float, sink and travel on wheels. For over 30 years he has followed his passion for applying technology to transportation, from telematics to in-flight communications to vehicle dynamics. After four years of leading Liberty Mutual Insurance’s award-winning telematics risk management insurance program, he launched ATG Risk Solutions to bring the benefits of telematics data to the broader commercial auto insurance marketplace and create a better way to rate risk using connected-vehicle data.


Mary Mullaney

Founder and Finance & Operations Lead

Mary Mullaney has served as the controller and operations manager for several companies, with experience in finance, tax and HR matters. Previously Mary worked as a project manager in large construction projects ($50M plus) primarily for hospitals and government institutions. She is experienced in all phases of project budgeting, negotiation, permitting and planning. Experienced sailor that she is, Mary keeps the ATG Risk Solutions vessel on a steady course. Mary earned a BE(Hons) from National University of Ireland, Galway.


Jim White

Vice President of Marketing

Jim White leads ATG Risk Solutions’ marketing and channel communications efforts. He has been an independent marketing and communications consultant since leaving Magellan Systems where he served as Vice President of Corporate Communications. Jim has extensive experience working in the telematics and vehicle safety space, consulting with both hardware and SaaS companies in positioning their products for the marketplace, including work with Liberty Mutual’s Onboard Advisor program. He earned a BS (Journalism) from Southern Illinois University. Jim claims to do his best work on the golf course.


Mark Penman

VP of Sales

Mark Penman is responsible for data partnerships and sales. A master of relationship selling, Mark has over 20 years’ experience in business strategy and development, product definition and marketing, channel creation and sales management, working with companies of all sizes, from the Fortune 100 to startups, focusing on location/wireless/data technologies. Past positions have included senior sales leadership roles with TomTom Inc., Ethertronics Inc., Motorola Corporation, Trimble Navigation and Magellan Systems. When not thinking of ways to help grow ATG Risk Solutions, he can be found working on his next home repair project, riding one of his motorcycles, or contemplating his next tool acquisition. Mark earned his Bachelor of Science degree in Management and Finance from the State University of New York at Buffalo.


Chris Wilson

Vice President of Business Development

Chris Wilson leads the company’s development of proprietary driver behavior algorithms and connected-vehicle data analytics tools for determining safety relevant vehicle and infrastructure information. He worked in a similar capacity with this team building Liberty Mutual’s Onboard Advisor product. Chris has over 20 years’ experience with vehicle sensors networks and protocols -- developing algorithms for positioning and mapping, and architectures for processing data; creating new applications based on probe data; and developing business models to support the ecosystem, including insurance models for UBI premium. Prior to ATG he led the Advanced Driver Assistance Systems for TomTom Inc., and before that, he led Daimler’s connected vehicles effort. Chris earned a BA (Physics) from Princeton. He is an advisor to Inside GNSS magazine.


James McNamara

Integration Manager

James McNamara is Software Developer with many years’ experience working on technology in and around the Microsoft Sphere of Influence. Previous to ATG he was a co-founder of CleverMiles, an Irish based Telematics Service Provider delivering a high-engagement, gamified driving experience to young drivers. This company was founded on the R&D completed by James and a team of researchers in The Institute of Technology Sligo as part of their winning entry into the International Microsoft Imagine Cup finals in 2011. James brings with him an ability to understand both the business requirements and technical challenges facing TSPs and implement solutions to accommodate their individual requirements.


Jeff Bafus

Creative Director

Jeff Bafus brings diverse marketing experience and a wealth of creative talents to the ATG Risk Solutions team. An 18-year veteran of the video game industry, Jeff held a variety of sales and marketing management positions at Nintendo and Microsoft prior to taking a right turn in his career—landing at Liberty Mutual—and working on the Onboard Advisor team. A graduate of Washington State University, Jeff earned a BA degree in Communications/Advertising and now laughs at all of his professors who told him he should be an Account Executive instead of a Creative Director. Jeff's favorite creative outlet, however, is playing guitar.


MaryBee Engelman

Client Services Representative

MaryBee Engelman serves as the frontline contact with customers of the ATG Clearinghouse portal, assuring customers a smooth user experience and interface with the company’s web-based services. With more than eight years’ experience providing a seamless relationship between client and customer in various packaged goods industries, MaryBee has honed her skills in sales and online reward program management and assistance. She earned an Associate’s Degree - Retail from Harcum Jr. College, Bryn Mawr, PA, as well as an Associate’s Degree - Executive Secretarial from the Katherine Gibbs Business School, Philadelphia, PA. In addition to a career in customer service, MaryBee has followed her passion for music, serving as coordinator of music at her church for more than 20 years.