Board of Directors

Dennis Lynch was appointed as Chairman of the Board on November 10, 2010 and has served as a director since January 24, 2008. Mr. Lynch has over 25 years experience in the payments industry and has led the introduction and growth of various card products and payment solutions. Mr. Lynch currently serves as Chairman and Chief Executive Officer of RightPath Payments Inc., a company providing business-to-business payments via the internet. From 1994 to 2004, Mr. Lynch served in various positions of NYCE Corporation, an electronic payments network, including serving as President and Chief Executive Officer from 1996 to 2004 and as director from 1992-2004. Prior to joining NYCE, Mr. Lynch served in a variety of information technology and product roles, ultimately managing Fleet's consumer payments portfolio. Mr. Lynch has served on a number of boards, including the board of Open Solutions, Inc., a publicly-traded company delivering core banking products to the financial services market, from 2005-2007, was a founding director of the New England-wide YANKEE24 network and served as its Chairman from 1988 to 1990. Additionally, Mr. Lynch has served on the Executive Committee and the board of the Electronic Funds Transfer Association. Mr. Lynch received his Bachelors and Masters degrees from the University of Rhode Island.

Elected 2010
Steven Rathgaber joined Cardtronics as the Company's Chief Executive Officer on February 1, 2010. From January 1991 to January 2010, Mr. Rathgaber was employed by NYCE Payments Network, LLC, a wholly-owned subsidiary of Fidelity National Information Services, Inc. Immediately prior to joining Cardtronics, Mr. Rathgaber served as the President and Chief Operating Officer of NYCE, a role he assumed in September 2004.

From April 1989 to January 1991, Mr. Rathgaber served as a founding partner of Veritas Venture, a start-up software development company. From May 1981 to March 1989, he served in a number of executive-level roles within Automatic Data Processing, Inc., and from January 1977 to April 1981, he held numerous positions within the Citibank organization. Mr. Rathgaber also served on the board of Everlink Payment Services, a joint venture between the United States-based NYCE Payments Network and Celero, a Canadian credit union processing company, from the company's inception in September 2003 until December 2009, serving as Chairman of the Everlink board from June 2004 until May 2006.

Mr. Rathgaber holds a Bachelor of Science degree in Accounting from St. John's University.

Tim Arnoult was appointed as a director on January 24, 2008. Mr. Arnoult has over 30 years of banking and financial services experience. From 1979 to 2006, Mr. Arnoult served in various positions at Bank of America, including President of Global Treasury Services from 2005-2006, President of Global Technology and Operations from 2000-2005 and President of Central U.S. Consumer and Commercial Banking from 1996-2000. Mr. Arnoult is also experienced in mergers and acquisitions, having been directly involved in significant transactions such as the mergers of NationsBank and Bank America in 1998 and Bank of America and FleetBoston in 2004. Mr. Arnoult has served on a variety of boards throughout his career, including the board of Visa USA. Mr. Arnoult holds a Bachelor of Arts degree in Psychology and a Masters of Business Administration degree from the University of Texas at Austin.

Jorge Diaz has served as a director since December 2004. Mr. Diaz has served as Division President and Chief Executive Officer of Fiserv Output Solutions, a division of Fiserv, Inc., since April 1994. Fiserv Output Solutions provides card production services, statement processing and electronic document distribution services. In January 1985, Mr. Diaz co-founded National Embossing Company, a predecessor company to Fiserv Output Solutions. Mr. Diaz sold National Embossing Company to Fiserv in April 1994.

Julie Gardner was appointed as a director on October 24, 2013.  Ms. Gardner has over 25 years of marketing experience in the retail industry and was cited by Forbes in 2012 as the 11th most influential CMO in the world.  Her vast success has led to numerous awards including over 20 Addy Awards, 30 RACie awards and an Emmy Award in 2008 from the Arts and Sciences.  Ms. Gardner currently serves as a trustee for the Milwaukee Art Museum, is an ambassador for the TED organization and serves on the executive committee for the Retail Marketing and Advertising Association.  From 2006 to 2012 Ms. Gardner served as the Chief Marketing Officer for Kohl's Corporation after serving as Chief Brand Officer from 2003 to 2006 and Senior Vice President of Marketing from 1999 to 2003.  While at Kohl's Corporation, she created the Kohl's Cares program, the first philanthropic strategy for the company which raised over $230 million between 2000 and 2012 for children's health and educational programs.  From 1985 to 1999, Ms. Gardner served in various positions for Eckerd Corporation, a retail drug store environment, including serving as Chief Marketing Officer from 1994 to 1999, Advertising Director from 1991 to 1994 and several management roles from 1985 to 1991. Prior to joining Eckerd Corporation, Ms. Gardner served as an Account Supervisor and an Account Executive with two advertising firms.   Ms. Gardner received her Bachelor of Science in Technical Communications from the University of Minnesota, Twin Cities.

Patrick Phillips is a 35-year veteran of Bank of America, most recently serving as President of Bank of America's Premier Banking and Investments group from August 2005 to March 2008. During his tenure at Bank of America, Mr. Phillips led a variety of consumer, commercial, wealth management and technology businesses. Mr. Phillips currently serves on the board of directors of USAA Federal Savings Bank and is the Chairman of that board's Finance and Audit Committee. Additionally, he previously served as a Director of Visa USA and Visa International from 1990 to 2005 and 1995 to 2005, respectively. Mr. Phillips received a Masters of Business Administration from the Darden School (of business) at the University of Virginia in 1973 and graduated from Presbyterian College in Clinton, South Carolina in 1971. Mr. Phillips is a native of Greenville, South Carolina.

Mark Rossi has served as a director effective December 1, 2010. Mr. Rossi currently serves as Senior Managing Director of Cornerstone Equity Investors LLC, an active middle market private equity fund that he founded in 1996. From 1984 to 1996, Mr. Rossi held various positions with Prudential Equity Partners, the private equity subsidiary of Prudential Insurance, including President from 1994 to 1996 and Senior Vice President from 1984 to 1994. Mr. Rossi holds a Masters of Business Administration from the J.L. Kellogg Graduate School of Management at Northwestern University and a Bachelor of Arts degree in Economics from Saint Vincent College in Latrobe, Pennsylvania.
 

Juli Spottiswood is president, chief executive officer and a member of the board at Parago, Inc., a marketing service company. Parago specializes in developing unique rebate programs, consumer incentive strategies and prepaid card solutions proven to solidify consumer relationships and drive increased sales for its clients. In addition to these positions held since 2007, Ms. Spottiswood helped form Parago in 1999, originally serving as the company's chief financial officer. Spottiswood also brings to the Cardtronics board a high-level profile within the prepaid card industry; she serves as a board member and treasurer of the Network Branded Prepaid Card Association, a nonprofit association formed to promote the use of prepaid cards.