ABOUT US
Our Mission
Experience, Success, and Giving Back
It is the mission of Express Capital Services, LLC (ECS) to leverage its experience in Accounts Receivable Management (ARM) to build a multifaceted ARM servicing company. Ultimately providing our clients with a comprehensive solution to their recovery needs along the lifeline of their A/R - allowing them to focus on their core competency.
We built today’s technology to help us effectively complete the job while making sure we observe our industry’s compliance regulations. ECS’s operation is scalable, dependable, and secure. Our in-house proprietary system was pioneered with experience and the understanding of the Finance industry’s needs while providing absolute protection for our clients and their portfolios.
Our services can be offered to the creditor using ECS as a service provider or used by our internal operation to service portfolios purchased by ECS and our capital partner from the creditor.
OUR TEAM
Alex Gonzalez
President & Founder
Mr. Gonzalez has over twenty-five years of experience in the finance industry, holding various management positions in both large financial institutions and start-up organizations. He first entered the auto industry working in the credit, collections, and skip tracing departments. He quickly worked his way up to general manager reporting directly to the CEO, and the company grew from a fifteen-employee company to several hundred in less than two years. He later joined Santander Consumer USA as an Assistant Vice President managing a multi-billion portfolio and several hundred associates reporting directly to him.
After Santander, Mr. Gonzalez joined a start-up organization as a key founding member and grew the organization to a multi-million dollar company in the skip tracing industry in less than one year. He has extensive experience and knowledge of operational management. He brings a unique skill set of systemic development and high-level operational reporting from his previous work experience, his operational insight, and his people skills. His background in building relationships and engaging in sales has allowed him to bring on many different clients and build valuable relationships in the industry.
Rick Lee
Chief Strategy
Officer
Mr. Lee was instrumental in growing Wachovia’s HomEq Servicing Corporation (The Money Store) from zero third-party business to over 93% third-party business over a 6-year time period, resulting in a portfolio of over $55B of loans serviced for others. He was a member of both the Operating and Management Committees and worked closely with the rating agencies.
During his tenure, HomEq obtained and maintained Superior Ratings from Fitch, Moody’s Investor Services, and Standard & Poor’s. Mr. Lee was responsible for the acquisition of $110 Billion of Servicing Rights (PMSRs) while at HomEq over a 5 year period of time. HomEq was sold to Barclays PLC in 2007. Mr. Lee worked for Barclay’s for the year following their acquisition of HomEq.
Prior to joining Wachovia, Mr. Lee was an EVP and Managing Director of Fairbanks Capital Corporation in Salt Lake City for 7 years. Equity Partners included FSA, FGIC, GE Equity, Nomura Securities, PMI, and Cargill Financial Services. He was a member of the Management Committee at Fairbanks and was responsible for business development and the rating agencies' “servicer rating” process. During his tenure, the company grew from $100mm of servicing to over $45B of loans serviced for others.
He has a BSBA in Accounting and has been in the mortgage/servicing industry for over three decades.
Julia McGlothlin
Chief Compliance &
Resource Officer
Julia McGlothlin draws from her passion for helping others and her knowledge in Business Administration when developing the corporate policies, procedures, and training that help Express Capital Services, LLC maintain compliance.
After being awarded a scholarship for volunteer work, Julia joined the Finance Industry in 2013 while earning her Bachelor's in Business Administration and Human Resource Management from Texas Woman’s University.
She began her journey by working as a Customer Service Representative dedicated to understanding the Client’s needs and the capabilities of the staff. Using that understanding, Julia assisted in the development of the Quality Assurance Department, the Human Resource Department, and the Regulatory Compliance Department. She also helps maintain the IT Department and leads the company’s Management Team.
Selena Chung
EVP of Operations
Selena Chung the Executive Vice President of Operations at Express Capital Services is a highly experienced operations executive with over 25 years of experience in the auto finance industry. She is responsible for leading all aspects of the company's operations, including loan origination, servicing, collections, customer service, recovery, and business process improvement.
Selena is a strategic thinker who is passionate about driving operational excellence and delivering exceptional customer experiences. She is known for using data-driven insights and technology to optimize operations, improve efficiency, and reduce costs. Selena has a track record of successfully implementing large-scale projects and cross-functional initiatives that have resulted in significant improvements in productivity, quality, and customer satisfaction.
Prior to joining Express Capital Services, Selena held several senior leadership positions in operations management at leading auto finance companies. She has a deep understanding of the auto finance industry and the challenges faced by both lenders and borrowers.
Outside of work, Selena is an avid video game enthusiast and enjoys spending time traveling and spending time with family.
Lauren Anderson
VP of Operations
Lauren Anderson is a highly accomplished operations executive with 20 years of experience in the Auto Finance industry. As the Vice President of Operations at Express Capital Services, she is responsible for overseeing all aspects of the company's operations, including process improvement, quality control, and risk management.
Prior to joining Express Capital Services, she held various leadership positions, where she demonstrated a talent for driving operational excellence, optimizing processes, and delivering results. Throughout her career, Lauren has leveraged her expertise in operations to develop and implement innovative strategies that have improved efficiencies and streamlined processes. She has also been recognized for her ability to manage risk effectively and mitigate potential losses, ensuring the financial stability of the companies she has worked for.
In addition to her operational expertise, Lauren is known for her strong leadership skills and ability to build and lead high-performing teams. She is committed to fostering a culture of continuous improvement and excellence, and she has been instrumental in developing and implementing training programs and career development plans for her teams.
Thomas Bell
AVP of Operations
Thomas Bell is an accomplished AVP of Operations with over 12 years of experience in the auto finance industry. Throughout his career, he has built a reputation for driving operational excellence, optimizing business processes, and delivering exceptional results.
As the AVP of Operations at Express Capital Services, Thomas is responsible for overseeing all aspects of the company's operations, including loan servicing, collections, customer service, and risk management. He works closely with senior leaders to develop and execute strategies that support the company's growth and profitability goals.
Thomas has a proven track record of successfully leading large teams and implementing process improvements that drive efficiency and reduce costs. He has deep expertise in all areas of auto finance operations, including underwriting, funding, and asset management.
Prior to joining Express Capital Services, Thomas held various leadership roles in operations and risk management at several leading auto finance companies. He studied at the University of North Texas focusing on math, behavioral science, and business.
In his free time, Thomas enjoys spending time with his family, exploring healthy and new food options, and cooking.
Linsey Chapman
Senior Project Manager
Linsey Chapman is a highly experienced Senior Project Manager at Express Capital Services. With over 15 years of experience in Project Management and the Auto Industry, she brings a wealth of knowledge and expertise to the role.
As the Senior Project Manager, Linsey is responsible for overseeing all aspects of the company's projects, including planning, scheduling, budgeting, risk management, and stakeholder management. She is also skilled in graphic design along with marketing.
Linsey is a strategic thinker who is known for driving results and delivering value to the organization. She has a proven track record of successfully delivering complex projects on time and within budget while maintaining high-quality standards. Linsey is a respected leader who inspires and motivates teams to achieve their goals and exceed expectations.
Prior to joining Express Capital Services, Linsey held several senior leadership positions in project management at leading companies in the industry. She has led numerous large-scale projects and cross-functional teams, resulting in significant improvements in productivity, efficiency, and profitability. Linsey attended the University of Arkansas on an academic scholarship and majored in Business Administration.
Outside of work, Linsey spends most of her time at her daughter's cheer gym at Spirit of Texas and at the lake with her family.
Jose Gonzalez
VP of Business Development
Jose Gonzalez is a seasoned executive with over 8 years of experience in management.
As the Vice President of Business Development at Express Capital Services, Jose is responsible for driving the company's growth by developing and executing strategies that strengthen its market position and expand its customer base.
Prior to joining the company, Jose held senior leadership positions at several prominent companies, where he demonstrated a talent for building strong relationships with clients, identifying new business opportunities, and leading cross-functional teams to deliver results.
Jose's deep understanding of the Skip-Tracing industry, combined with his strategic vision and leadership skills, has enabled him to create innovative solutions that have generated significant revenue growth for his employers. His ability to build and maintain strong relationships with clients has also been a key factor in his success, allowing him to effectively navigate complex business challenges and develop solutions that meet the unique needs of each client.
Jessica Gonzalez
Director of Business
Development
Jessica Gonzalez is a seasoned executive with over 15 years of experience in the Skip-Tracing industry for Student Loans, Mortgage, and Auto.
As the Vice President of Business Development at a leading Skip-Tracing firm, Jessica is responsible for driving the company's growth by developing and executing strategies that strengthen its market position and expand its customer base.
Prior to joining the company, Jessica held senior leadership positions at several prominent Skip-Tracing firms, where she demonstrated a talent for building strong relationships with clients, identifying new business opportunities, and leading cross-functional teams to deliver results.
Jessica’s deep understanding of the Skip-Tracing industry, combined with her strategic vision and leadership skills, has enabled her to create innovative solutions that have generated significant revenue growth for her employers.
In addition to her work in the skip tracing industry, Jessica is also a respected business owner of “Messy Jessy Salsa”. She attended Southern Arkansas on an athletic scholarship.
WE'VE COME A LONG WAY
Our Story
Express Capital Services, LLC (ECS) is leveraging the team's combined one hundred-plus (100+) years of experience in Accounts Receivable Management (ARM) to build a multifaceted ARM servicing company.
We leverage today’s technology to help us effectively complete the job while making sure we observe our industry’s compliance regulations. ECS’s operation is scalable, dependable, and secure.
Our in-house proprietary system was pioneered with experience and an understanding of the Auto Finance industry’s needs while providing absolute protection for our clients and their portfolios.
Our services can be offered to the creditor using ECS as a service provider or used by our internal operation to service portfolios purchased by ECS and our capital partner from the creditor.