Our greatest strength is our people. We’re a place where passion and personal drive can open countless doors. Meet some of the men and women who lead and inspire us every day.

Leadership Philosophy

Our leadership philosophy is built upon our CEO and founder’s belief that, “Successful people surround themselves with successful people.” It’s a mindset we have adopted as a Company and continue to follow and build upon. We believe in hiring intelligent, ambitious, and passionate people who bring with them a sense of integrity and enthusiasm in everything they do.

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Meet Our Leaders

Chief Executive Officer

Tracy Young is the founder and Chief Executive Officer of the TMX Finance Family of Companies. Founded in 1998, Tracy opened his first stores in Savannah and Columbus, Georgia with the mission of helping people with short-term financial set-backs by offering a reliable source of credit and excellent customer service.

An innovative leader and entrepreneur, Tracy has overseen the growth of the Company becoming an industry leader with over 4,000 employees and 1,200+ stores in 18 states. Throughout the Company’s history, Tracy’s original mission of helping people remains the driving force behind the culture and day-to-day operations of the organization.

Tracy has more than three decades of experience in the financial services industry and continues to drive the Company’s overall mission. He is a passionate and energetic leader who constantly challenges the team to develop and design better products and processes to enhance the customer experience.


Otto Bielss is President of the TMX Finance Family of Companies, one of the nation’s industry leaders with over 1,200 stores in 18 states located throughout the Southeast, Southwest, Midwest, and on the West Coast.

Otto assumed the position of President in January 2016 bringing over 30 years of multi-unit leadership experience. He leads the executive team in accelerating Company performance, advancing technology, and delivering on the financial and operational goals of the organization.

Prior to his current role, Otto served as the Chief Operations Officer where he was responsible for leading the majority of the corporate departments and all of store operations. He was instrumental in identifying opportunities for efficiencies in numerous corporate projects and in helping build the Company’s current infrastructure.

He joined the Company in 2010 as the Senior Vice President of Operations leading the overall strategy and execution for store operations and providing leadership in the achievement of critical financial and operational goals across all business brands.

Prior to working at the TMX Finance Family of Companies, Otto held leadership positions in several large and well-known companies such as Ace Cash Express, Blockbuster, Michael’s, and Radio Shack.

His many accomplishments have been characterized by his strong leadership in strategic development, increasing store efficiencies, and implementation of revenue growing and cost-saving initiatives.

Executive Vice President

Ted Helgesen is the Executive Vice President of Operations for the TMX Finance Family of Companies and is a member of the executive leadership team. He joined the Company in 2012, excelling to his current role where he leads the Company’s implementation of operational and financial strategies and oversees activities associated with store operations. Prior to this role, Ted most recently served as the Senior Vice President of Operations- East, where he was responsible for leading the overall strategy and execution of operations in our eastern states. He previously held the position of Senior Vice President- West, where he led the operations of our western states. Ted’s prior leadership roles consist of Vice President- Division 4, Regional Director, and Director of Corporate Operations.

Ted brings over 20 years of multi-unit managerial and executive experience to our Company, having served previously as the CEO of Phoenix Ink and the Director of Operations for OfficeMax’s Print and Document Centers. He also served eight years in the U.S. Army as an Airborne Military Intelligence Linguist.

Chief Legal Officer

Carrie E. Carbone is the Chief Legal Officer of the TMX Finance Family of Companies and is a member of the executive leadership team. She joined the Company in December 2014 as the Senior Vice President of Compliance and Product General Counsel leading the Product, Compliance, and Government Relations groups within the Legal Department during a critical time in our industry. Since assuming the role of CLO in 2016, Carrie has diligently promoted the Company’s compliance with applicable federal, state and local laws, thus offering the vital protection necessary for executing our strategic growth plans. She continues to provide these critical services while engaging directly in product development and ongoing brand initiatives and supporting our success through the development of risk mitigation strategies.

Carrie brings over 17 years of experience working with financial institutions, non-bank financial services companies, and closely-held corporations. She has extensive financial industry experience and a deep understanding of business law.

Chief Financial Officer

Robert (Rob) Clifton is the Chief Financial Officer of the TMX Finance Family of Companies and a member of the executive leadership team. He joined the Company in August 2016 and provides strategic financial leadership including ensuring the Company’s financial processes and controls are in place to support the Company’s growth. He is an advisor to all executive stakeholders, evaluating and assisting them with their financial plans and forecasts. Additionally, Rob oversees the Finance, Accounting and Internal Audit teams in order to satisfy the organization’s fiscal and fiduciary responsibilities.

Rob is a proven finance executive with expertise in financial management, corporate development financial planning and analysis, treasury, accounting, tax, internal audit, investor relations, and risk management.

Chief Information Officer

Ed Potter is the Chief Information Officer for the TMX Finance Family of Companies and is a member of the executive leadership team. He joined the Company in July 2014 as the VP of Technology and Architecture and now leads the overall strategy and execution of all information technology services. He is responsible for ensuring our brands are provided with the systems, applications and data to enable our strategic growth and our industry leading products and customer service.

Ed brings 20 years of technology experience to the TMX Family from financial, retail, manufacturing and insurance business industries. His comprehensive background across enterprise architecture, software development, systems engineering, technology innovation, data management and data center operations provides the vision and leadership to drive our technologies forward.