Introducing Team Action


Paul Esteves, Chief Executive Officer

Mr. Esteves has over 25 years experience in the collection industry. Mr. Esteves has owned ACRM since 2007 and has invested the last ten years into developing the strategies and infrastructure necessary to service the Canadian marketplace on a national basis.

Susan Lockhart, Chief Financial Officer

Ms. Lockhart has over 20 years industry experience specific to the financial and reporting components of a professional accounts receivable management firm. Ms. Lockhart is responsible for ensuring that all aspects of the financial requirements are implemented and adhered to.

Bill Stewart, Vice-President Business Development

Mr. Stewart is responsible for the organizations overall growth strategies and specifically responsible to maintain and develop our business and client relationships.

John Galanis, Director, National Operations

Mr. Galanis brings over 20 years of industry experience with specific expertise in inventory analysis, segmentation of debt purchasing portfolios along with 1st and 3rd Party receivables background. Mr. Galanis' primary goals include: the development of ACRM’s operational staff and portfolio performance. Additionally, through the promotion and enforcement of ACRM’s corporate values, ensuring compliance to all regulatory and client mandated directives and developing a culture of proactive avoidance of compliance defects through education, empowerment, training, and remedial actions. ACRM, its employees and clients, will benefit daily from Mr. Galanis’ experience.

Kathy Gulka, Compliance and Privacy Officer

Ms. Gulka has over 25 years industry experience and has held key roles with several of Canada’s largest collection agencies ranging from Recovery Agent to Operations Supervisor, and several compliance related roles. Ms. Gulka has been a member of the ACRM Team for over ten years and is specifically responsible to record, address and remedy all compliance-related instances in her primary role as Ombudsperson.

Sam Ganab, Director, Technology

Mr. Ganab is an integral member of our Information Technology team. His knowledge in managing technology requirements in a multitude of systems makes him an invaluable member of our team in ensuring that our clients’ expectations; technically and analytically, are exceeded.