DFC Global Corp. is one of the largest providers of accessible consumer financial services in the world. By providing a wide variety of innovative and accessible financial solutions for over 30 years via a technology enabled web based underwriting and approximately 1,300 retail locations throughout the world, we at DFC Global are continuously fulfilling our commitment to meet the needs of everyday consumers and business owners in the most socially responsible way.

What We Stand For


To democratize money by building the most socially responsible and far reaching world financial institution where all can find accessible financial solutions.


We believe in empowering all. By bringing integrity to everything we do, we provide financial solutions that make lives better.


Empower Yourself

We are leaders who are the best we can be to effect outcomes. We take ownership to improve our roles and our interactions.

Empower Your Team

We give each other opportunity, freedom and support to make decisions, achieve goals, and reach aspirations.

Empower our Customer

We look for solutions to provide opportunities for our customers to improve their financial freedom.

Empower our Community

We lift up the community in which we serve and act to ensure our impact is socially responsible.


We lead by example and follow through on our commitments to customers and to each other. We strive to do what we say we will do.

Doing the right thing

We have the courage to do the right thing and abide by the highest standard of ethics for our customers, our community, and each other. We act with integrity, candor and professional demeanor in all interactions.

Trust and Respect

We treat our colleagues and customers with courtesy and respect. We trust each other to act with integrity.

Diversity and Inclusion

We are open-minded and appreciate the contribution of others with diverse backgrounds and perspectives.

Continuous Improvement

We are curious and look for new and better ways to incorporate excellence and improvements in our roles.


We have the ability to see that even small changes can make a huge difference.


We are creative and have the freedom to innovate and implement new opportunities to improve the customer experience and employee happiness.


We are flexible and strive to adapt to the changing demands of our company and customers. We support our ability to reinforce success and abandon failure.

Optimistic Tenacity

We are proactive and solutions-based when faced with obstacles. We strive to achieve all our goals.

Passion for Results

We demonstrate a positive and passionate attitude. We have an unwavering desire to make a difference.

Bias for Action

We have a bias for action in our roles and exceed expectations. We demonstrate a sense of urgency to get things done on time and to high quality standards.


We are thorough in our work and do not make rash decisions. But we also have the confidence to not over analyze, to use our professional judgment to make decisions quickly and enact efficient solutions and move to the next task at hand.


Since our founding in 1979 as the Monetary Management Corporation, DFC Global has provided accessible and convenient financial services to unbanked and under-banked consumers.

Now, with over 10 million customers in approximately 1,300 retail locations worldwide, DFC Global is one of the largest and most diversified providers of non-standard consumer financial products in the world. Even after more than 30 years of service, DFC Global continues to grow, as we constantly find new, innovative ways to serve and empower consumers worldwide.

Learn More


Our People. Our Strength

Bob Stefanowski

Chief Executive Officer

Bob Stefanowski is the Chief Executive Officer of DFC Global Corp. Prior to joining DFC in December 2014, he served as UBS Investment Bank's Chief Financial Officer where he was responsible for a $200bn balance sheet and over $1.0 billion in annual earnings. Before this role, Bob served as Chairman and Managing Partner of Asia and the America's for a FTSE 100 Listed Private Equity Firm called 3i Group based in London, UK, where he sat on 3i Group's Risk and Investment Committees.

Bob spent the majority of his career with General Electric Capital Corporation where he was elected a Company Officer by the GE Board of Directors. During his 14-year career at GE, Bob held positions of increasing responsibility in M&A, Finance and Sales. He served as the CEO of GE Global Media Finance, successfully restructuring a distressed equity and debt portfolio, reducing non-performing assets from over 40% of the portfolio to less than 5%. Bob's last role with GE was President and CEO of GE corporate Finance Europe, with overall responsibility for a $35 billion portfolio and over 2,000 employees.

Bob earned an MBA in Finance from Cornell University, is a Fellow at the Wharton School of Business, a Visiting Professor of Management Practice at Oxford University and a member of the Cambridge University China Advisory Board. He was appointed by then Prime Minister Gordon Brown as a trustee of the Victoria and Albert Museum in London where he is Chair of the Investment and Finance Committees. Bob is a past participant of the Financial Industry Partners at the World Economic Forum in Davos, Switzerland.

Dessa Bokides

Chief Financial Officer

Dessa Bokides is DFC Global Corp.’s EVP & Chief Financial Officer. Before joining the team in June 2015, Dessa served as the CFO of Alta Colleges, Inc., a proprietary school system.

Dessa has a broad background in financial services. She was the Global Corporate Treasurer for GMAC Financial Services/Ally Financial and the Co-chairperson for GMAC/Ally Bank during the financial crisis repositioning the Bank from a state to nationally chartered bank and rebranding it as Ally Financial. She also represented the company with various banking and financial service regulators as well as bondholders and financial institutions to restructure the debt.

She was the EVP & CFO for Prologis, the largest industrial REIT in the world. During her tenure, Prologis grew their assets from $18 billion to $40 billion through acquisitions and development. Dessa was also the VP Finance and Treasurer for Pitney Bowes, a large manufacturer, professional services and leasing company with significant regulatory pressure.

During almost a decade at Goldman Sachs, she developed one of the first enterprise risk management systems, sat on the firm-wide risk steering committee and advised companies on capital structure, ratings issues and commercial paper issuance. She founded and ran a global group for Deutsche Bank that advised clients on capital structure and liability management.

Dessa is a graduate from Colorado College, and received her MBA from Columbia University.

Delancy Johansson

Chief of Staff

Delancy Johansson is DFC Global Corp.'s Chief of Staff to the CEO. Immediately prior to joining DFC Global, Delancy served as Special Adviser to The First Minister of Scotland Rt Hon Alex Salmond in The Scottish Government. She was responsible for the portfolios of John Swinney, Cabinet Secretary for Finance, Employment and Investment, where she advised on the economics of Scottish independence, and Nicola Sturgeon, Deputy First Minister and Cabinet Secretary for Infrastructure and the Constitution, where she advised on the constitution, major infrastructure projects and transport. Delancy helped take support for Scottish independence from 23% to 45% and build the foundation of competent governance that led to an 833% increase in voter trust in the General Election.

Previously, Delancy worked for the Foreign and Commonwealth Office at the British Embassy in Norway where she advised HM Ambassador Jane Owen as well as British dignitaries, such as HRH Prince Charles and Rt Hon Alex Salmond, and British delegations from the UN, NATO and two Parliamentary administrations, on oil and gas, fisheries, shipping, NATO, forestry and whaling.

Delancy graduated with honors and an accelerated Masters degree in International Relations from the University of Edinburgh. She earned her second Masters in Management from London Business School, where she was a Celia Atkin Avent Scholar.

Delancy has worked around the world and speaks five languages.

Bryan Waters

North America
Chief Executive Officer

Bryan Waters is the Chief Executive Officer for Dollar Financial North America. Prior to joining the team in May 2015, Bryan served as the CEO of CBV Collection Services, the largest independent outsourcing, collection services and debt buying company in Canada.

Bryan started his career at Wells Fargo Bank as a Personal Banker. He rapidly advanced from Wells Fargo Nevada's Assistant Vice President and Branch Manager, to District Manager, then finally as President, where he successfully led over 120 retail branches.

Bryan then served as the President and Chief Operating Officer of Superpawn, the largest privately owned pawnshop company in the US. Here, he grew and successfully sold the business to Cash America before spinning off a new company, zTrading industries — a software platform that integrates distribution channels and seamlessly facilitates the financing and sales of pre-owned merchandise.

Bryan then went on to become Founder and Chairman of asset management firm Magnolia Lane Partners, Chief Executive Officer of B-Line, LLC, the largest purchaser of consumer bankrupt receivables in the U.S., and as Chief Executive Officer and President of Pacific National Bank, a $2 Billion San Francisco area based community bank. Bryan graduated Magna Cum Laude and Phi Beta Kappa from the University of California, Los Angeles.

Stuart Howard

United Kingdom
Chief Executive Officer

Stuart Howard is the Chief Executive Officer for Dollar Financial UK. Before joining DFC Global Corp. in November 2014, Stuart was responsible for the strategy and operations of HVPE, a £700 million market capital company, as well as the management of the independent board. Under his direction, the company's share price appreciated by over 100%and the share register was radically altered with the influx of new buyers.

Prior to his role at HarbourVest, Stuart worked for 3i Group, PLC, where he established an internal control and corporate governance framework of the company, holding senior positions within 3i Infrastructure PLC and 3i's Quoted Private Equity PLC. During the latter part of his 10-year career at 3i, Stuart served as the Chief Operating Officer for Asia and the Americas and was instrumental establishing 3i's presence in Latin America and growing the company's operations in China and Southeast Asia.

Zitah McMillan

Rest of World
Chief Executive Officer

Zitah McMillan is the Chief Executive Officer of Dollar Financial Rest of World, which includes oversight of DFC operations in Poland, Spain, Finland, Sweden and Romania. Prior to joining DFC in February 2015, Zitah served as the Executive Director for International engagement and Communications at the UK Financial Conduct Authority, our primary regulator in the UK. During her stint at the FCA, Zitah transitioned the regulator from the Financial Services Authority into the new conduct regulator, as well as built and maintained regulatory relationships with regulatory authorities across the globe.

Zitah was also a member of the Executive Team at the Department for Work and Pensions – the largest Government Department in the UK, responsible for the Job Centre Plus network, Pensions Service, and Disability Service. As a Senior Civil Servant, she oversaw a radical overhaul of communications to job seekers and other customers of the Department .

She has previously held senior positions working with a variety of global consumer businesses such as L’Oreal and Proctor & Gamble, on businesses as diverse as healthcare to growing the client base of the London agency.

Bruce Cumming

Global Chief Information Officer

Bruce has held a wide variety of roles of increasing responsibility during his 21-year career at DFC Global and was appointed Global Chief Information Officer in January, 2015. Bruce started his career as Manager of the Tax Processing Center for DFC's Canadian subsidiary, MoneyMart, and most recently spearheaded the implementation of a digital retail point of sale system that improves the quality and level of service we provide our customers across the globe.

Susan Berkwitt

General Counsel

Susan Berkwitt is General Counsel and EVP, Global Government & Regulatory Affairs and Compliance. Before joining DFC, Susan was a partner in the New York office of Winston & Strawn LLP, where she concentrated her practice on financing transactions, acquisitions, and general corporate matters.

A well-rounded business executive, Susan has 25 years of experience representing leading financial institutions and advised on portfolio sales of loans and corporate governance, in addition to representing a number of different industries, ranging from technology and health to food and timber.

Susan was featured by Crain’s New York Business as one of the top 40 business executives/lawyers under the age of 40, and is rated AV Preeminent by Martindale-Hubbell® – the highest rating given in legal ability, judgment and ethical standards.

Susan has regularly conducted trainings for lenders and moderated the legal panel speaking on recent market trends at a Thompson Reuters LPC Loan Conference, and served on the board of directors of the Lawyers Alliance of New York, as counsel for Human Rights First (a New York based international human rights organization) and has represented political asylum applicants. She has also served as a committee member of Winston & Strawn’s Pro Bono, Corporate Associate Mentoring, Business Development, Diversity, Insurance and Workplace Harassment Issues.

Susan graduated Summa Cum Laude and Phi Beta Kappa from the City College of New York, and received a J.D. from the University of Chicago.

Alison Perren

Chief People Officer

Alison Perren will be joining DFC Global Corp. as the Chief People Officer in August 2015. Most recently, Alison served as HR Director, Group Commercial & Operations at Vodafone Group Plc., where she had primary responsibility for people development and improving the overall experience for customers of Vodafone.

Alison has more than 25 years of experience as a human resources and change leader, having held numerous senior HR Director and change leadership roles at WorldPay, Burger King, Yum! Brands, PepsiCO, and Ford Motor Company.



Learn about DFC Global Corp.'s diversified products.


DFC Global Corp. Products

With over 10 million customers and approximately 6,000 customer focused employees, DFC Global is one of the largest providers of non-standard consumer financial products in the world. DFC provides a variety of innovative financial solutions both online and through its approximately 1,200 retail locations in the UK, US, Canada, Sweden, Finland, Poland, Spain and Romania. Through a wide range of products in multiple geographies, DFC provides customers with convenient access to cash in a respectful, compliant and customer focused way.
  • United Kingdom & Republic of Ireland
  • Canada
  • US
  • Sweden
  • Finland
  • Poland
  • Spain
  • Romania
Nottingham, UK
Bicester, Oxfordshire, UK
Victoria, British Columbia, Canada
Toronto, Ontario, Canada
Philadelphia, PA, USA
Fort Lauderdale, FL, USA
Salt Lake City, UT, USA
Stockholm, Sweden
Turku, Finland
Helsinki, Finland
Gdańsk, Poland
Madrid, Spain
Iași, Romania

United Kingdom & Republic of Ireland

We operate a network of approximately 300 stores in the United Kingdom and the Republic of Ireland. Most of these stores operate under The Money Shop® brand, and primarily offer unsecured short-term consumer loans, secured pawn loans, check cashing, money transfer, reloadable MasterCard® prepaid debit cards, gold buying and other ancillary products. We also offer unsecured internet-based loans to UK consumers through PaydayUK®, Payday Express®, and Ladder Loans. Other brands include Robert Biggar®, Suttons & Robertsons®, and Duncanson & Edwards®.



We operate approximately 600 stores in Canada under the Money Mart® and Insta Cheques® (Quebec) Brands. As permitted by law, our Canadian stores offer unsecured short-term consumer loans, secured pawn loans, check cashing, Western Union®, reloadable MasterCard® prepaid debit cards, gold buying and many more ancillary products. We also offer online loans to residents of Alberta, British Columbia, Nova Scotia, Ontario and Saskatchewan. Apply in Advance options are available to residents of Manitoba and New Brunswick.



Through our approximately 250 stores in the United States, we offer unsecured short-term consumer loans, secured pawn loans, check cashing, Western Union®, reloadable Visa® prepaid debit cards, gold buying and other ancillary products through the brands Money Mart®, The Check Cashing Store®, American Payday Loans, American Check Casher®, Check Casher and Payday Loans. In addition, we currently offer unsecured, online loans to residents of California, Hawaii, Louisiana, Kansas and Apply in Advance in Florida.



Through our Risicum and Lånbutiken.se brands, we offer internet-based unsecured short-term loans in Sweden, in addition to providing pawn loans through our Sefina stores.



In Finland, we provide pawn loans, primarily secured by gold jewelry, diamonds and watches through our Helsingin Pantti stores. Our jousto, lania and Risicum brands also offer Finnish citizens internet-based lending.



In Poland, our Optima brand offers unsecured short-term loans through a convenient, in-home service. Optima allows loan disbursement and payment collection to take place in the customer's home according to a mutually agreed upon schedule.



We operate approximately 60 stores in Spain under the Super Efectivo brand, through which we provide pawn lending, gold buying and other retail services. In addition, we offer internet-based unsecured short-term loans in Spain through the brands OK Money and Kyzoo.



We operate approximately 30 stores in Romania under the Express Credit brand that provides pawn lending and other retail services.