About Rifco

Bill Graham
President & CEO, Director

Bill Graham is the President, CEO and Director of RIFCO. He also co-founded the Company and served as COO up to June 2004 when he took on his current role.  He has over 10 years experience in finance, sales, marketing, and teaching.  He is also the former President of Proven Leasing Corporation.  Prior to RIFCO, he spent 3 years as a Business Management consultant specializing in corporate strategies and transitions.  In July 2010, Ernst & Young announced that Bill Graham was a finalist for "Entrepreneur of the Year' in the Professional / Financial Services category for the Prairie Region.

Doug Decksheimer
Vice President & CMO

Monte Coates
Vice President  & COO

Monte Coates joined RIFCO in May 2005 and brings with him experience in non-traditional lending including senior positions in the auto finance division as a Vice President, Regional Manager and Vice President of Credit for Wells Fargo Financial (Wells).  In the prior ten years he transitioned from the Trans Canada Credit Corp (TCC) branch level in Alberta to a Vice President in Toronto after Wells acquired TCC. His team was responsible for the initial development and introduction of Trans Canada Credit’s auto finance program in Alberta and the development of relationships with franchise and independent auto dealers for Wells Fargo nationally.

Lance Kadatz
Vice President & CFO, Directo

Lance A. Kadatz is the VP & CFO and Director of RIFCO. He also co-founded the Company and has served as CFO since the Company's inception. Mr.Kadatz was the president of his own Business Advisory Services firm before joining RIFCO.  He also served as a Finance Advisory Services Manager for MNP, Canada's largest regional accounting firm. Prior to this he was Senior Corporate Account Manager for RBC for 17 years.  In July 2010, Ernst & Young announced that Lance Kadatz was a finalist for "Entrepreneur of the Year' in the Professional / Financial Services category for the Prairie Region.

Jim J. Nieuwenburg
Director (Dec 2004)

Johannes J. Nieuwenburg joined the Board of Directors in December 2004.  He has been a general partner of Kern Partners Ltd., a leading energy private equity firm since October 2008.  He is a professional engineer by training.  He brings over 30 years of diverse experience including senior technical, business development, and executive management roles.  Mr. Nieuwenburg was formerly President and CEO of Petromet Resources Ltd, VP of Asset Management for Norcen Energy Resources Ltd and General Manager Business Development for Amoco Energy Group North America.  Mr. Nieuwenburg holds a Bachelor of Science in Electrical Engineering from the University of Manitoba.

Stuart P. Hensman
Director (Jan 2007)

Stuart Hensman joined the Board of Directors in January 2007. He is a full time Corporate Director and has a life time of financial services experience including; Chairman & CEO of Scotia Capital (USA) Inc (3 yrs), Managing Director of Scotia Capital Inc in London (13 yrs) and Portfolio Management with Sun Life Assurance Co (6 yrs). He holds a number of directorships on other public boards.  He is currently the Chairman of the Board of Governors of CI Funds.  Mr. Hensman holds a Bachelor of Arts degree from the University of Winnipeg and a Masters of Science from Loughborough University.

Bruce D. Ratzlaff
Director (Jul 2011)

Bruce D. Ratzlaff joined the Board of Directors in July of 2011. Mr. Ratzlaff retired in January 2011 as the President and Chief Executive Officer of Bank West, a position he had held since November 2008. He also served during that time as a Director of Bank West. Prior to 2008, he held the position of President and Chief Executive Officer of Western Life Assurance Company. Both of these companies are subsidiaries of Western Financial Group. Prior to 2005 he held the position of Vice-President of Federated Life Insurance Company in Winnipeg, MB from September of 1993. Mr. Ratzlaff holds a MBA from Athabasca University.