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 President – Enterprise Growth Group for Cardtronics, David Dove is responsible for strategic initiatives to leverage and extend the strengths of the company for sustained profitable growth. In his role, Mr. Dove directs the development and execution of strategic growth initiatives, including core and new product groups, the network and advertising businesses, marketing, strategy, M&A, business analytics & optimization, and global network and strategic account relationships.

Mr. Dove brought his 30 years of payments and retail financial services industry experience in-house to Cardtronics in 2013, having served the company as a strategy consultant since 2009, as part of his role as Managing General Partner of Dove Capital Partners LLC.

Prior to Dove Capital Partners, David Dove founded and ran the Dove Consulting Group for more than 25 years. Serving as CEO, Dove grew the firm, organically and through acquisition, into a well-known and respected advisor in the payments and consumer packaged goods industries. In 2005, Dove sold the firm to the U.S. consulting subsidiary of Hitachi, becoming the Managing Vice President of their Financial Services and Strategy practices.

Dove holds a master’s degree from MIT in aeronautics & astronautics; an MBA from the Boston University School of Management; and an undergraduate engineering degree from North Carolina State University.

As Chief Financial Officer, Chris Brewster is responsible for leading Cardtronics' finance and administrative organization, overseeing accounting and reporting, strategic planning and analysis, treasury, tax, audit, risk management, investor relations, and legal.

Prior to joining Cardtronics, Mr. Brewster served in positions of increasing responsibility in the finance function at a series of multi-unit service businesses. He has served as Chief Financial Officer of three NYSE-listed public companies whose revenues ranged from $400 million to $1.7 billion.

Mr. Brewster received a Bachelor of Science degree from the Massachusetts Institute of Technology in 1971, and an MBA from the Harvard University Graduate School of Business Administration in 1975.

Mr. Brewster serves on the board of the Houston Area Parkinson Society, a non-profit organization.

As President of Global Services, Michael Clinard manages the Company's primary operating services, which include information technology, transaction processing and ATM operations. Mr. Clinard also supervises the Company's Latin American operations, including Cardtronics Mexico and the Company's operations located throughout the Caribbean, as well as overseeing the Company's international business development efforts.

Prior to his role as President of Global Services, Mr. Clinard served as the Company's Chief Operating Officer for nearly 11 years. Since joining Cardtronics in 1997, Mr. Clinard participated in setting the overall strategy and direction for the Company's growth initiatives.

Before joining Cardtronics, Mr. Clinard served as the Chief Operating Officer of Worldwide Cellular, Inc. for nearly six years. His varied experience includes corporate planning, strategic business development, marketing, operations and automation design.

Mr. Clinard graduated from Howard Payne University with a Bachelor of Business Administration degree. Mr. Clinard currently serves as Vice President on the Executive Board of Directors for the ATM Industry Association (ATMIA).

As President – U.S. Business Group, Rick Updyke is responsible for all revenues, products and total performance attributable to Cardtronics' U.S.-based operations, including responsibility for the domestic ATMs that Cardtronics currently owns and operates, the ATMs that comprise Cardtronics merchant-owned business, and those businesses that are primarily focused on serving financial institutions, including Allpoint and the company's ATM branding and ATM managed service businesses. Mr. Updyke is also responsible for product management and development.

Prior to joining Cardtronics, Mr. Updyke worked at 7-Eleven, Inc. for over 23 years. During that time, he held various executive-level positions, including Vice President of Business Development and Vice President of Planning. In addition, he served 7-Eleven's Executive Committee. Mr. Updyke's professional experience includes strategic and financial planning, business reengineering, acquisitions and investor relations.

Mr. Updyke received a Bachelor of Business Administration degree in Management Information Systems from Texas Tech University and a Masters of Business Administration from Amberton University.

As Managing Director – Cardtronics Europe, Jonathan Simpson-Dent leads Cardtronics’ business in the European region, driving growth for the company in this key international market.

Today, with operations in the United Kingdom and Germany, Cardtronics Europe ranks as the leading retail ATM services provider in both countries. In his role, Mr. Simpson-Dent is responsible for profit & loss, corporate strategy, customer satisfaction, business integration and brand development, as well as product development and management.

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 (CIO) for Cardtronics, Mike McCarthy is responsible for the integrity and availability of the organization’s production products and services, global information technology (IT) infrastructure, IT operations, and technology governance. In his role, Mr. McCarthy directs the strategy, planning, and implementation of innovative solutions for the business and customers, with special focus on improving efficiency, effectiveness, and service quality.

Mr. McCarthy joined Cardtronics in 2013 from FIS, where he held senior positions in business and IT management, including senior vice president and general manager of Credit Services, and CIO of North American Card and Payments. Prior to that, Mr. McCarthy served as CIO at NYCE Payments Network. Prior to that, he held senior technology management positions at Metavante Corporation and First Data Corporation. Prior to that, Mr. McCarthy was principal of the IT consulting firm Patrick McCarthy and Associates.

Mike McCarthy studied computer programming at the Institute of Computer Science, holds a Bachelor of Science degree in Business from Bellevue University, as well as a Master of Business Administration degree from Benedictine University.

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.

As the Chief Marketing Officer, Tom Pierce is responsible for leading company-wide marketing, advertising and communications efforts; building Cardtronics' brands; supporting Cardtronics' sales organizations and developing and implementing market strategies to increase Cardtronics' per ATM and fleet wide transaction volume.

Prior to joining Cardtronics, Mr. Pierce served as Vice President – Marketing Strategy for FIS, a $5 billion publicly traded company providing payment and financial technology solutions for financial institutions and retailers. Prior to his role at FIS, he held marketing leadership positions with Metavante Corporation, Wausau Financial Systems, and Journal Sentinel Inc., the largest newspaper in Wisconsin.

Mr. Pierce holds a Bachelors degree in journalism from Marquette University and has been an active member of his community with involvement in numerous charitable and community organizations.

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 Executive Vice President, Corporate Development and Investor Relations for Cardtronics, Phillip Chin is responsible for setting corporate strategy, leading the company’s M&A efforts and communicating with investors.

Mr. Chin joined Cardtronics in 2013.  From 2003 to 2013, he was a technology investment banker at Barclays and Lehman Brothers, providing M&A and capital markets advice and execution to corporate clients in the technology services and software sectors.  He also held positions at startup Internet retailer Ethnicgrocer.com and management consulting firm Arthur D. Little.

Mr. Chin spent his college years at Northwestern University and earned an MBA at The University of Chicago Booth School of Business.

As Chief Accounting Officer, Brad Conrad is responsible for managing Cardtronics' accounting organization, including the Company's financial reporting and tax compliance functions.

Prior to joining Cardtronics, from October 2002 until April 2008, Mr. Conrad served in positions of increasing responsibility in the accounting function at Consolidated Graphics, Inc., an international commercial printing company, including Vice President and Controller from December 2006 to April 2008. Prior to Consolidated Graphics, Mr. Conrad served in several corporate finance and accounting roles at Peregrine Systems, Inc., an enterprise software company acquired by Hewlett Packard in 2005. Mr. Conrad began his career with KPMG LLP, working in the firm's audit practice providing accounting and auditing services to a wide range of clients.

Mr. Conrad received a Masters in Professional Accounting degree and a Bachelors of Business Administration degree from the University of Texas and is a licensed certified public accountant in the state of Texas.

As Executive Vice President – Global Operations, Jeffery B. Keith oversees day-to-day ATM operations, including direct responsibility for ensuring Cardtronics' U.S.-located ATMs dispense cash 24-hours per day, as well as operational oversight for international markets. In conjunction with that assignment, Mr. Keith oversees general management of ATM performance monitoring; cash management; technical support; field service; customer call center; inventory; purchasing; and global vendor relations.

Mr. Keith joined Cardtronics in 2011 as part of the company's acquisition of EDC ATM, where he served since 2007 as Executive Vice President of Business Development. Prior to EDC ATM, Mr. Keith helped establish BVIG Financial in 2002, where he served as president until EDC ATM acquired the company in 2007. BVIG provided alternative financial services to un- and under-banked consumers.

As part of Mr. Keith's 20-year career in the ATM industry, he has also served as vice president of Business Development at Momentum Cash Systems, as well as founder, director and vice president of Core Data Resources, an ATM processing company.

Currently co-chairing the ATM Industry Association's (ATMIA) "Independent ATM Deployer Committee," Mr. Keith previously attended Texas Tech University and served in the United States Marine Corps.

As Executive Vice President – FP&A and Treasurer, Todd Ruden is responsible for overseeing the financial planning and analysis activities at Cardtronics, as well as treasury operations and corporate finance.

Prior to joining the Company in 2007, Mr. Ruden was Vice President – Strategic Planning and Financial Analysis at Stage Stores, Inc., a publically traded corporation that operates 700+ general merchandise retail stores. From 1996 to 2004, Mr. Ruden held a variety of positions within the finance organization at Continental Airlines, including Director – Corporate Finance.

Mr. Ruden holds a Masters of Business Administration from Rice University and graduated from Baylor University in 1994 with a Bachelor of Business Administration.

As General Counsel, Michael Keller leads the Company's Department of Legal and Corporate Affairs, which is responsible for all legal work and for government, industry, and community affairs activities. In addition, Mr. Keller is the company's chief compliance officer ensuring that the company is in full compliance with all card association mandates.

Prior to joining Cardtronics, Mr. Keller was in private practice in Houston for 18 years with primary focus in the corporate sector.

Mr. Keller received a Bachelor of Science degree from the United States Military Academy at West Point and served five years on active duty with the U.S. Army. After completing his military service, he earned his Juris Doctor degree from the University of Texas, graduating with honors in 1983.

As the Executive Vice President Product Management, Bill Knoll is responsible for all product development, advanced functionality, and managed services for the company.

Prior to joining Cardtronics, Mr. Knoll developed a broad range of experience in marketing, electronic banking and product management. He both launched and led many products and services within the banking industry, including online and offline debit portfolios, ATMs, online banking, bill payment and interbank funds transfers. Additionally, during his time as Senior Vice President of Consumer Lending Marketing at First Union, Mr. Knoll led account acquisition and portfolio marketing efforts for a top five loan portfolio.

Mr. Knoll holds a Bachelor of Science degree in Operations Research from the United States Air Force Academy and a Masters of Business Administration in Finance from St. Mary's University.


As Managing Director, Ana is responsible for Cardtronics' UK subsidiary i-design, for its software and advertising solutions globally and for driving advertising and customer engagement initiatives and growth in the UK and North America.

Having founded i-design as a user interface design consultancy in 1991, Ana grew the company into a global innovator in self-service customer engagement software and solutions for major global banks. In 2004, she devised and launched atmAd, the UK's leading ATM media channel that enables third party brands and retailers to reach consumers with targeted offers and coupons. As CEO, she oversaw the listing of the company on the London Stock Exchange in 2007. Ana joined Cardtronics' Executive Committee after the company was acquired by Cardtronics in March 2013.

Ana Stewart holds a Bachelor of Design Honours Degree in Interior & Architectural Design from Dundee University.

As Executive Vice President – Global Procurement for Cardtronics, Ric Davis is responsible for procurement and supply chain management, as well as strategic process improvement initiatives to help the company achieve sustainable, cost-controlled and operationally efficient growth on a global scale.

In his role, Mr. Davis will focus on identifying and removing inefficiencies from the procurement and planning processes — building a continuously improving supply chain and positioning the company to exceed the highest, most cost-effective standards in executing integrated business operations worldwide. Additionally, as a key member of Cardtronics’ merger and acquisition due diligence team, Davis will identify procurement and operational synergies opportunities, as well as coordinate all facilities and process integration efforts.

Mr. Davis arrived at Cardtronics with more than 20 years of demonstrated success in supply chain management, having most recently served as Executive Vice President of Operations at Consolidated Graphics, Inc., a Houston-based manufacturing company with operations across the United States, Canada and Europe. Prior to Consolidated Graphics, Davis held senior positions in supply chain management and manufacturing with Waste Management, Inc., Dynegy, Inc., and Cameron.

Certified in “Production and Inventory Management” by APICS: The Association for Operations Management, Davis holds a Bachelor of Arts degree in Economics from Vanderbilt University, as well as a Master of Business Administration from the University of Houston. Davis also served in the U.S. Army, rising to the rank of captain and receiving the Bronze Star for his actions during Operation Desert Storm.

William "Randy" Rice leads the Audit and Risk Management efforts of Cardtronics serving as Executive Vice President.

Prior to joining Cardtronics, Mr. Rice spent over 30 years in the financial services and insurance industry and most recently seven years as Senior Vice President, Director of Operations for a not-for-profit insurance and risk management training organization. Additionally, he served as Senior Vice President, Systems and Finance for First USA Federal Savings Bank and was Vice President, Internal Audit and Vice President of Operations over a period of eight years at USAA Federal Savings Bank. He was Senior Vice President and Group Head for InterFirst Services Corp. and led the San Antonio operations center. He was Vice President, Systems Analyst for First Security National Bank of Beaumont and worked in operations, systems, internal audit and EDP audit roles.

Mr. Rice is a Certified Public Accountant, Certified Risk Manager and Certified Insurance Counselor. He received his Bachelor of Business Administration degree in Accounting from Lamar University and is a graduate of the BAI/University of Wisconsin graduate school of banking.
As Executive Vice President of U.S. Sales, Tony Muscarello is responsible for expanding the Company's leadership position in both the retail and financial industries. He and his team manage sales-related activities for merchants of all sizes, from Fortune 500 corporations to single-store retailers, as well as banks and credit unions who rely on Cardtronics to expand their networks through branding programs, ATM placement and ATM management.

Prior to joining Cardtronics, Mr. Muscarello established himself as a proven sales professional with a career that began with M&M/Mars in 1984. He also served in numerous leadership positions with Secure Cash Network, Centego Marketing, Priceline, Webhouse Club and Marvel Entertainment. During his time as Secure Cash Network, Mr. Muscarello was responsible for developing and launching numerous prepaid ATM/debit card products and financial services to the retail and consumer market.

Mr. Muscarello holds a Bachelors degree from the University of Florida and served on the National Association of Convenience Stores (NACS) Supplier Board of Directors from 1996-2003, serving as Chairman in 2001.
As General Manager for Cardtronics Mexico, an affiliate of Cardtronics, Inc., Mr. Abogado is responsible for the complete day to day management of the business as well as business development, expanding Cardtronics' market share in Mexico, looking for new customers in the retail and travel & entertainment segments, as well as looking for new opportunities for Bank Branding and Managed Services in the financial services arena in Mexico.

Prior to joining Cardtronics, Mr. Abogado served as Vice President for Latin America and Canada and General Manager Mexico at First Data International, responsible for First Data`s Merchant Acquiring Business in the country, managing a strategic alliance with Scotiabank Mexico and Banco Interacciones. Before working with First Data International Mr. Abogado held various executive-level positions at ING, CBI Seguros and AIG Mexico.

Mr. Abogado received a Bachelor of Business Administration from the National University of Mexico.