Nick Codispoti leads United Consumer Financial Services in all global, strategic and day-to-day planning and operations. Prior to being promoted to president, Mr. Codispoti guided UCFS finance and operations divisions for four years. Nick has over 25 years of experience developing, executing and delivering excellent results with domestic and international operational programs, underwriting, go-to-market strategies, accounting, investor relations, risk management and financials. Nick is a CPA and earned his MBA at Kent State University. Prior to joining UCFS, Nick held the role of Director, Treasury and Risk Management with Diebold, Inc.
Mr. St. Cyr leads the UCFS business development, marketing and relationship management teams for Kirby North America and all in-home products business types. Eric has been with UCFS for 34 years and held various leadership roles in Risk Management, Credit and Operations during his tenure. He earned his business degree from the University of Dayton.
Ms. Carter leads UCFS’ legal and compliance activities, including our affiliated businesses abroad. As an integral part of our leadership team, Candace leads all efforts to reduce risk and ensure regulatory compliance across all jurisdictions, as well as contributing to the strategic plan for the organization. Prior to joining UCFS, Ms. Carter held similar positions at PNC Financial Services Group (PNC Bank) and KeyCorp (KeyBank), both top 20 commercial banks as ranked by the Federal Reserve. Candace received her Juris Doctor from University of Akron Law School and her Bachelor of Arts in Business Management and Marketing from Capital University.
Mr. Simon leads UCFS’ new markets sales and marketing teams in North America. John sets strategic and tactical direction for inside and outside sales and marketing initiatives. Prior to joining UCFS, John held various executive team leadership positions during his career. Recently he held Executive VP Business Development roles with ARIA Brands and Phoenix Interactive as well as over 17 years of leadership roles within Diebold Nixdorf as Vice President of Managed Services for North America. He earned his degree from the University of Akron and completed coursework in the Executive Program at Indiana University’s Kelly School of Business.
Mr. Lazarus leads and formulates policy, strategy and growth plans for UCFS’ operational teams including merchant services, underwriting, instant credit, consumer account services and collections. Prior to joining UCFS, James held senior leadership positions with PNC and Key Bank. Mr. Lazarus is a CPA and earned degrees from Cleveland State University in both Accounting and Management, holds a graduate certificate in Business Analytics and an MBA from Indiana University.
Ms. Crawford leads UCFS’ Human Resources team, responsible for talent acquisition, organizational development, training and development, payroll and benefits, facilities and charitable giving initiatives. Susan holds a Master’s degree in Organizational Management from the University of Phoenix and Senior Professional in Human Resources (SPHR) certification. Prior to joining UCFS, Susan held leadership roles with Things Remembered and Austin Powder.
Ms. Liebenauer leads UCFS’ financial planning, analysis, and accounting teams to ensure that financial goals are met, in addition to strategic planning for UCFS’ yearly operating plan. Michele also manages all financial reporting, analysis, and planning for our affiliated businesses abroad. A 30-year veteran of UCFS, she has held many roles within the company, including licensing, compliance and risk management. Ms. Liebenauer earned her Master of Business Administration in Accounting from Baldwin Wallace University and her Bachelor’s degree in Economics from Miami University.
Mr. Girt directs UCFS’ account services teams, initiatives and policies. He has been in the customer service and collections field for most of his career leading call centers and third party collections agencies. Prior to joining UCFS, Mr. Girt held leadership roles with Dun & Bradstreet, several collections firms, and is a decorated veteran serving in the United States Marine Corps. David attended The University of Akron studying business administration.
Mr. Kamleitner leads operations and sales for UCFS Australia Pty Ltd. Jonathon has over 9 years’ experience in financial services. Prior to joining UCFS, he led business development for one of Australia’s largest vehicle finance and fleet management organisations. Jonathon holds a Bachelor of Business degree from Swineburne University.
Ms. Newman leads UCFS Europe’s operations and business development efforts. Katia has over 15 years of financial services experience. Prior to joining UCFS, she held a range of senior and general management positions in fast growing consumer finance companies and most recently was an executive at Oakbrook Finance Ltd. Ms. Newman holds a Master’s Degree in Aerospace.