Justin Els is an accomplished risk management professional with extensive experience in various leadership roles. At Atlanticus, Justin holds the position of Senior Vice President of Risk. Previously, at Corpay, Justin served as Vice President of Risk Analytics. Justin also held multiple roles at FLEETCOR, including Vice President of Risk for North America Fleet, MCA Program Director, and Director of Merchant Strategy and Analytics. At GreenSky®, Justin was Director of Fraud and Collections Analytics. Earlier in the career, Justin worked as Senior Manager of Risk Strategy, Risk Manager, and Senior Risk Analyst at FLEETCOR. Academically, Justin earned a Master of Science in Applied Statistics and a Bachelor of Science with double majors in Quantitative Finance and Quantitative Economics from The University of Alabama.