Leadership Team

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.

As CFO and Chief Operations Officer, Ed is responsible for leading Cardtronics' finance, planning, corporate development and consolidated global operations.  He oversees accounting and reporting, strategic planning and analysis, treasury, tax, audit, risk management, investor relations and corporate development, along with the operations function in both North America and Europe.

Prior to joining Cardtronics in January 2016, Mr. West held the role of Chief Financial Officer at three companies: Delta Air Lines, Internet Capital Group and Education Management Corporation. Mr. West joined Education Management in 2006 as Chief Financial Officer and became Chief Executive Officer in 2012. Earlier in his career, Mr. West joined Internet Capital Group, a technology holding company, as Chief Financial Officer in 2000; in 2002, Mr. West transitioned to Internet Capital Group’s largest subsidiary, ICG Commerce, where he served as Chief Executive Officer until 2006. Mr. West also served as Executive Vice President and Chief Financial Officer at Delta Air Lines, after having joined the company in 1994.

Mr. West holds a Bachelor of Business Administration in Finance from Emory University's Goizueta School of Business.

Mr. West received the “CFO of the Year” award from Institutional Investor Magazine in 2012 and was previously named one of the “Top 40 Under 40” by CFO Magazine.

As Chief Commercial Officer for Cardtronics, Jonathan Simpson-Dent is responsible for all global sales, product and marketing activities for the company.

In addition to driving revenue growth through the sales teams in Europe and North America, Simpson-Dent leads Cardtronics’ entry into new international markets, drives global transaction growth with existing customers and oversees product development functions and marketing.

Simpson-Dent joined the company in conjunction with Cardtronics’ 2013 acquisition of Cardpoint Limited, where he served as Chief Executive Officer since February 2012.

A seasoned leader in both private equity and public company environments, Simpson-Dent arrived at Cardtronics with 25 years of strategy development expertise. Included in that time are various executive- and senior-level management positions with the European divisions of PepsiCo and McKinsey & Company.  

Simpson-Dent is Cambridge University-educated, a certified Chartered Accountant and a member of The Institute of Chartered Accountants in England and Wales.

As Chief Information Officer for Cardtronics, Stuart Mackinnon is responsible for the global information technology infrastructure for the company.  In his role, Mr. Mackinnon directs the strategy and implementation of innovative solutions for the business focusing on efficiency and service.

Mr. Mackinnon joined Cardtronics in 2015 through the acquisition of Columbus Data Services, the largest ATM processor in North America, where he held the position of President for five years.  Prior to Columbus Data Services, Mr. Mackinnon held senior technology roles at Threshold Financial Technologies and Choice Hotels Canada.

Born in Footscray, Australia, Mr. Mackinnon, his wife, Lisa, and their three children now reside in Dallas, Texas.

As Executive Vice President, General Counsel and Secretary, Roger Craig leads the Company's Department of Legal and Corporate Affairs, which is responsible for all legal, corporate governance and compliance matters.

Prior to joining Cardtronics, Mr. Craig served as senior vice president, chief legal officer and chief compliance officer and secretary for Cincinnati-based Axcess Financial Services, Inc., a consumer finance company. Before that, for 20 years Mr. Craig served Nationwide Mutual Insurance Company, and affiliated companies, in numerous legal management roles. Mr. Craig was involved with the initial public offering of Nationwide Financial Services, Inc. in 1997, eventually serving as general counsel and collaborating with senior leadership on several merger and acquisition transactions for the publicly traded company. Previously, Mr. Craig was in private practice as a partner with Dinsmore and Shohl LLP, and he began his career as an associate with the law firm Crabbe, Brown & James, LLP.

Mr. Craig received a Bachelor of Arts degree from Wilmington College and earned his law degree from the University of Dayton.

As Executive Vice President - Human Resources, Debra Bronder is responsible for the people side of Cardtronics. In her role, she oversees all human resources functions including critical staffing and employee development ensuring a consistent focus on our customers by all employees.

Prior to joining Cardtronics, Ms. Bronder developed over 25 years of HR experience including, most recently, serving as Executive Vice President Human Resources at Metavante Corporation. In this role, she assisted in leading the company through over 25 acquisitions, becoming an independent public company, and merging with Fidelity National Information Services (FIS).

Ms. Bronder holds a Bachelor of Science degree in Communications from the University of Wisconsin Whitewater.

As Chief Information Security Officer (CISO) for Cardtronics, Jerry Garcia is responsible for enterprise-wide oversight of the organization’s information security program—playing a strategic role in safeguarding the company’s assets, intellectual property and computer systems. In conjunction with that assignment, Mr. Garcia will focus on information technology (IT) security risk management, incident response planning and governance functions.

Mr. Garcia joined Cardtronics in 2003 from ALLTEL Information Services, where he had served as Senior Vice President of e-Business. Prior to ALLTEL, he was the Director of Technology, Consumer Banking Group at First Union (now Wachovia).

Mr. Garcia holds a Bachelor of Business Administration degree in Accounting with a concentration in Business Data Systems from the University of Texas in San Antonio.