CashEuroNet UK believes that everyone should have access to trustworthy financial services. Throughout the world, hardworking people are shut out of the financial system by inadequate access to credit. And without trustworthy sources of credit, it’s difficult or impossible for them to achieve financial security. At CashEuroNet UK, we use advanced analytics and cutting-edge mobile technology to offer fast, affordable financial products to people with less-than-perfect credit, helping them take control of their future.
CashEuroNet UK launches short-term lender QuickQuid, its first brand.
CashEuroNet UK co-founds the Consumer Finance Association.
CashEuroNet UK joins CIFAS, the U.K.’s fraud prevention service, becoming the first admitted institution to be headquartered outside the
CashEuroNet UK founds Pounds to Pocket, its instalment loan brand.
QuickQuid is named a finalist for “Responsible Lender of the Year” in the 2010 Credit Today Awards.
QuickQuid is named a finalist for “Alternative Lender of the Year – Consumer” in the 2014 Credit Today Awards.
CashEuroNet UK, LLC is a wholly owned subsidiary of Enova International, Inc. (NYSE: ENVA). A pioneer of online lending, Enova International and its businesses have spent more than 10 years helping customers in the United States, United Kingdom, Australia, Canada, Brazil and China secure much-needed funds. With more than 3 million customers served, Enova International and its brands continue to pursue the mission of providing financial help to those who need it.
As part of Enova International, we share our parent company’s goals and character. In addition to our focus on technology and analytics, we share the same core values as Enova and all its brands:
Our customers’ needs and experiences are the first and last things we think about every day.
We always think outside the box, prizing innovation and impact over tradition or habit.
We think big, using the company’s full resources to accomplish our goals on every project.
We aim high and work our hardest to always add value in everything we do.
We work to hire the best employees on the market and give them the tools to become even better.
John Thirlwell has more than 40 years’ experience working in financial services, including more than 15 years serving on the boards of banking and insurance companies in the City of London. He is a Non-Executive Director of the Institute of Operational Risk, and a Liveryman and Court Assistant of the Worshipful Company of International Bankers. Previously, he was a Director of the British Bankers’ Association, with particular responsibility for risk and regulatory issues. In this role, he served as an industry negotiator for the Basel II Capital Accord. John is co-author of Mastering Operational Risk, as well as author of numerous articles and chapters on risk management. He has a degree in English Language and Literature from the University of Oxford, is a Fellow of the Institute of Operational Risk, and is a Fellow of the Chartered Institute of Bankers.
Nick Drew has 20 years’ experience in financial services, e-business and online payment markets. He joined Enova International in 2014 to build and develop their UK business activities. Previously, Nick led e-commerce engineering activities for BT Retail Ventures, and he later managed a series of FSA/FCA regulated electronic money businesses, including PSP International (now Optal) and ClickandBuy.com, part of the Deutsche Telekom Group. Nick studied electronic engineering and is accredited in the field of rapid application development and agile project delivery methodologies.
Sean Rahilly has more than 13 years’ experience working in the financial services industry. He currently serves as the Vice President and Chief Compliance Officer for Enova International, Inc., a role he has filled since October 2013. He has spent considerable time overseeing CashEuroNet UK’s transition from OFT to FCA regulation. Previously, he worked directly for multiple banks and provided legal services to numerous financial institutions while in private law practice. Most recently, he served as Associate General Counsel & Compliance Officer for a U.S.-based bank and trust company. He has an undergraduate degree in Accountancy and attended law school with an emphasis on corporate and business law.
Nicolas Lord has more than 30 years’ experience working in consumer financial advice. Currently, he works with government departments, regulators, not-for-profit agencies and the commercial sector. Previously, he set up one of the first specialist debt advice bureaux for Citizens Advice, followed by national roles in money advice development and strategy. Other past roles include National Lead Tutor for the Money Advice Trust, public interest director with the Mortgage Code Compliance Board, and adviser to the HMT Thoresen review, which led to the establishment of the Money Advice Service. He has also served as a member of the Solicitors Regulation Authority Financial Protection Committee and the FSA Consumer Panel. Nick has a degree in Economics and holds a diploma in Financial Planning.
John Lamidey has more than 25 years’ experience in the consumer financial services sector. He is a Senior Partner at Arminius Associates, a specialist consultancy working in the consumer credit arena, particularly dealing with small-sum, short-term loans. Previously, he served as an army officer and worked as an Assistant Data Protection Registrar, Director of the Consumer Credit Association, and CEO of the Consumer Finance Association. His specialties include regulatory developments and liaison, media and public relations for creditors, policy formulation in the consumer credit arena, compliance monitoring, public affairs, and political lobbying.
Louise Coulton has more than 20 years of experience working in financial services. She currently works with regulated firms in a regulatory and compliance advisory role. Previously, Louise spent 11 years underwriting in the Trade Credit and Political Risk markets before joining the Financial Services Authority. During this time, she supervised firms within the Lloyd’s and London Market, and she also developed European insurance policy. More recently, she has led compliance functions within a number of UK PLC’s, focusing on regulatory change programmes and improving conduct risk controls. Louise was Chair of the Lloyd’s Market Association Regulatory Committee and a member of the Lloyd’s of London Enforcement Panel. She has a combined studies degree in Media, Marketing & Economics.