$ 13.63 +0.11 (+0.81%) NYSE: SC Volume: 1,110,949 4:02 PM ET 07/21/17 Pricing delayed 20 minutes

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SC Holdings Investor Relations
P.O. Box 961245, Fort Worth, 
TX 76161-1245


The Company’s management team has ably steered the company through economic expansions as well as downturns, as evidenced by our strong financial performance.


Jason A. Kulas , , , President, Chief Executive Officer

Mr. Kulas has served as the Company's Chief Executive Officer and a member of our Board of Directors since July 2015. He is also a member of our Executive Committee. Prior to his appointment as Chief Executive Officer, he served as the Company's President and Chief Financial Officer from 2013 to 2015. Mr. Kulas joined the Company after serving as Managing Director in investment banking for JPMorgan Securities, Inc., where he was employed from 1995 to 2007. Mr. Kulas also worked as an analyst for Dun & Bradstreet and as an adjunct professor at Texas Christian University. Mr. Kulas was the Chief Financial Officer of the Company's operating subsidiary, Santander Consumer USA, Inc. ("Santander Consumer"), from 2007 to 2015 and has served on its board of directors since 2007. He currently serves as a director of the nonprofit Santander Consumer USA Inc. Foundation and was appointed a director of Santander Holdings USA, Inc. ("SHUSA"), the Company's majority stockholder, in October 2015. Mr. Kulas received his Bachelor’s Degree from Southern Methodist University and his MBA from Texas Christian University.

Richard Morrin , , , Chief Operating Officer

Rich Morrin was named our Chief Operating Officer in February 2016. He previously held the role of Executive Vice President of New Business at the Company, a position he held since 2011. Prior to joining the Company, Mr. Morrin held a variety of management positions in 21 years of combined service at Ally Financial and General Motors Acceptance Corp. During his tenure at Ally, he managed the commercial lending operations for Ally automotive dealers in the United States and Canada. Mr. Morrin holds a Bachelor’s Degree in Economics from the University of Pennsylvania and an MBA from the University of Virginia.

Ismail "Izzy" Dawood , , , Chief Financial Officer

Mr. Dawood began serving as our Chief Financial Officer in December 2015. Prior to joining our team, Mr. Dawood served as Executive Vice President and Chief Financial Officer of the Investment Services division of The Bank of New York Mellon Corporation (“BNY Mellon”) since April 2013. He also served as Executive Vice President and Director of Investor Relations and Financial Planning and Analysis of BNY Mellon from June 2009 to March 2013, and as Senior Vice President and Global Head of Corporate Development and Strategy of BNY Mellon from November 2006 to May 2009. Prior to his tenure at BNY Mellon, Mr. Dawood served in various senior roles at Wachovia Corporation, where he was employed from 1994 to 2006, including Managing Director of Structured Treasury Activities and Managing Director of Corporate Development. Mr. Dawood holds a Bachelor’s Degree in finance from St. John's University, Jamaica (Queens), New York and an MBA from the Wharton School of Business. Mr. Dawood is a Chartered Financial Analyst, and is a member of the board of directors of Promontory Interfinancial Network and Leadership Pittsburgh.

Christopher Pfirrman , , , General Counsel

Mr. Pfirrman joined Santander Consumer USA as General Counsel in September of 2015. Previously, Mr. Pfirrman served as General Counsel of Santander Holdings USA, Inc. where he advised the Board of Directors and senior management regarding all legal issues impacting SHUSA. Prior to joining SHUSA in 2012, Mr. Pfirrman was Deputy General Counsel of Sovereign Bank from 2000 to 2012 and Counsel of Edwards & Angell, LLP (now Locke Lord) from 1996 to 2000. Mr. Pfirrman is a member of the Commonwealth of Massachusetts and Connecticut Bar Associations. He holds a Bachelor’s Degree from Fairfield University and a J.D. from the William & Mary School of Law.

Donald Goin , , , Chief Information Officer

Mr. Goin joined our executive team as Chief Information Officer in August 2015. He previously served as Digital Operations Officer for Capital One Financial Services where he was responsible for leading Digital Operations, Enterprise Architecture, Shared Technology Services, and Innovation Labs and jointly led the Digital Transformation Office for the Home Loans and Auto Finance businesses. Prior to this, he was Managing Vice President of Customer Operations for Capital One Auto Financing where he had responsibility for Direct Lending Operations, Customer Care, Digital Servicing and Operational Services. He joined Capital One as the Chief Information Officer of Auto Finance in 2011. Prior to joining Capital One, Mr. Goin was the Chief Information Officer of Santander Consumer USA and Chief Information Officer of Halifax Bank of Scotland subsidiary Drive Financial for nearly 10 years. He has held various IT management and business development positions at Southwest Airlines, Raytheon E-Systems and IONA Technologies. He serves as a member of the Technology Advisory Committee of St. Jude Charities, the Executive Council and Dallas Fort Worth Advisory Committee of CIO Magazine and the Governing Body of the CIO Executive Council. Mr. Goin holds a Bachelor’s Degree in Computer Science from the University of Texas, Dallas and pursued graduate studies at Duke University. He also served honorably in the United States Marine Corps.

Mary Barnes , , , Chief Compliance Officer

Mary Barnes was named as our Chief Compliance Officer in January 2017. She joined us as our Senior Vice President, Consumer Compliance in April 2016. Previously, Ms. Barnes served as a consultant, providing compliance and risk management consulting services to large financial institutions with a special emphasis on comprehensive compliance governance, controls, assessment, mitigation and remediation, with Treliant Risk Advisors as a Senior Advisor from 2013 to 2016 and with North Highland Company as a Principal from 2011-2013. Prior to that, she served as a compliance and risk management professional with various companies, including KPMG LLP, where she was a Principal in the Risk Advisory practice, and Bank of America, where she was a Senior Vice President. Ms. Barnes earned a B.S. in Industrial Engineering from the University of Texas at Arlington.

Dale Cochran , , , Chief Risk Officer

Dale Cochran was appointed Chief Risk Officer in May 2017. Mr. Cochran is an experienced risk management executive with more than 25 years of banking and financial services experience. Mr. Cochran previously served as Chief Risk Officer at United Services Automobile Association Bank and Chief Risk Officer at General Electric Capital Global Banking. He also held Risk leadership positions for Citigroup, Transamerica Distribution Finance, Corus Bankshares and Household International/HSBC.

Lisa VanRoekel , , , Chief Human Resources Officer

Ms. VanRoekel was appointed our Chief Human Resources Officer in February 2016. Prior to that, she served as the Chief Human Resources Officer for Santander Bank; responsible for providing leadership in developing and executing human resources strategy in support of the overall business plan and strategic direction of the Bank. Ms. VanRoekel brings to our executive team experience in succession planning, talent management, change management, organizational and performance management, training and development, and compensation. She began working for Santander in 2006, when the Group acquired Drive Financial Services. From 2009 to 2013, she served Santander Bank as deputy managing director of Human Resources and Corporate Human Resources Business director, responsible for providing business support and management of corporate projects in addition to providing guidance, leadership and support to payroll and benefits, as well as all other HR teams. From 2006 to 2009, she was the Company’s Senior Vice President Human Resources, developing and executing human resources strategy for Santander Consumer. Prior to that, she was Director, Program Management from 2004 to 2006 and Director, Human Resources from 2001 to 2004. Before Santander, she worked in similar positions for Allied Riser Communications and was a consultant for Global Employers Network, Inc. Lisa has Senior Professional in Human Resources (SPHR) credentials beginning in 2002. She holds a Bachelor’s Degree in Journalism and a Master of Science in Journalism from East Texas State University.