Expert Global Solutions (formerly NCO Group) is a holding company engaged in an alphabet soup of businesses, such as BPO, ARM, and CRM. Through subsidiary NCO, it specializes in business process outsourcing (BPO), accounts-receivable management (ARM), and customer relationship management (CRM) in an effort to streamline the financial, operational, and customer service activities of its clients. NCO serves businesses worldwide in such industries as financial services, health care, technology, transportation, logistics, telecommunications, utilities, government, and education. NCO Group merged with APAC Customer Services in 2012 and the combined company was renamed Expert Global Solutions.