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.

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.

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 Accounting Officer

Julie Torkelson is the Chief Accounting Officer of the TMX Finance Family of Companies and a member of the executive leadership team. She joined the Company in 2014 as Assistant Controller and was named Corporate Controller in 2015. Under Julie’s leadership, the Accounting team improved several processes including the close process, internal controls, and the quarterly and annual audit process and she was promoted to Vice President, Corporate Controller in 2016.

Throughout 2016, Julie and the Accounting team served as business partners working closely with other departments on several key initiatives helping to drive the organization to standard and sustainable accounting processes that support the business. Along with leading the day to day activities of the Accounting Department, Julie and her team maintain appropriate internal controls and effectively manage the Company’s relationships with external auditors and regulatory agencies. Julie was again promoted in 2017 to the position of CAO where she currently oversees the Accounting Department, the Internal Audit Department, the Treasury Department, and the Warehouse team.

Julie brings over 18 years of extensive corporate and retail accounting management experience to the Company, having served in various leadership positions with Pier 1 Imports, Crescent Real Estate Equities, and the Bombay Company.

Chief People Officer

Lindsey Reed Smith is the Chief People Officer of the TMX Finance Family of Companies, a member of the executive leadership team, and she is thought of as the heartbeat of the Company. She began with TMX in 2008 as a Field Recruiter and has progressed in her career by single-handedly assembling our world-class Talent Department. She spearheaded the implementation of innovative video interviewing and referral technologies, streamlined hiring processes, and developed a strategic recruitment operations team that powers global talent initiatives, spanning everything from employer branding to new hire programs. In addition to Talent Acquisition, she has worked tirelessly to develop and expand her teams’ area of expertise, taking responsibility for the group’s remarkable evolution from external recruitment activities into a multi-functional group that embraces an integrated talent management approach.

In her most recent role as Senior Vice President, Lindsey worked to develop and drive the current “Talent Obsessed” strategy that delivers top talent to our organization and established TMX as a premier, national employer. In support of this goal, she expanded our talent pool to include veterans, owing her recognition for the successful vision and implementation of our TMX Project SERV initiative. Additionally, she led her team to implement an internal succession planning strategy and creation of the TeamUp Mentoring program, both of which have given us a strong foothold into further evolving our people- and our development-focused culture.

As CPO, Lindsey oversees all aspects of engagement throughout the course of a team member’s entire career with our Company. The Talent Acquisition and Talent Management teams, along with Human Resources and HRIS, will form a single department under her leadership and will work collaboratively to further our commitment to recruit, hire, retain, and develop the most talented people in the job market.