sales associate

customer service representative

store manager

bilingual retail salesperson

retail sales associate

Ace Cash Express

I learned some tricks on balancing register/ safe that I wasn't really familiar with. Also how to audit loan documents and process wire transfers, money orders, and check cashing procedure (how to identify bad checks, fake money, fraud activity, etc). 

Management was terrible. DM was hardly ever present. It's their job to check in on the stores in their district. only received emails and maybe a random visit every few months. Co workers were nice...when I got to see them which was only midday when our shifts crossed besides that I was alone.

I did enjoy the little downtime I had. Stores were in lower income communities and being bilingual was beneficial because you work with a lot of Spanish speakers. I enjoyed seeing "regulars" come in and helping them and also speaking Spanish to them, I felt a lot more comfortable with my Spanish as I was speaking it so often.

 However, I did not like the values of the company and how they ran things. Pushing employees to sell products without properly being trained on what exactly they are (ex: auto loans, or gift card buybacks). Why offer something if you can't have all the employees on the same page about it? You can't just expect employees to troubleshoot an issue when the issue arrives. We would have to call the DM or another store to help us if we didn't know how to do something and they would walk us through it over the phone (this happened often).

I also  did not like that stores were not allowed to have any seating for customers because of "liability" aka the company being cheap in spending their money on serving guests. 

The hardest part of this job was when it got super busy, after 5pm, Fridays, and weekends, and the 1st of the month, there would be so many customers. Its hard especially if you're the only person working (opening/closing). Sometimes one transaction can take forever, or the computer freezes, or whatever and with only one person in the store and one register it can get hectic. 

I also hated the backlash we received that we did not accept account number info to process a loan. We only accepted a blank pre-printed check which was a real inconvenience for guests, especially when many other pay day loan centers accept account info now instead of checks. What a great way to encourage customers to get a loan somewhere else.

From the start it's bad. They don't train the trainers. Their idea of training is to stick you with whomever is doing best in sales, because really that's all they care about. So even if that person has the worst customer service, doesn't follow guidelines or laws, talks badly about all the other employees or is a terrible person in general, it doesn't matter because that is who will be training you. 
The upper management is sleazy and two faced. Always watching their own back and having no qualms with throwing lower employees under the bus. This includes Human Resources. Trust No One!
They say they don't have high turnover but we were ALWAYS short handed and ALWAYS hiring. So they're also liars. 
There is no set breaks. You are just suppose to use the bathroom and eat in between customers. Which, for some locations isn't a problem. But if you are good at your job they will put you in a super busy location where you literally don't get 5 minutes to yourself. Some shifts are 12+ hours long so it's very easy to get burned out quickly. 
There are NO cameras in any of the locations. There ARE attempted robberies. Does that make any sense??? 
Some of the customers are quite frankly, the lowest forms of life on earth. Some are great, some are normal people, but those won't be the ones you remember. 
Most of the co-workers are ok but you never see them. I worked with a 'training' manager on one of my first days and she stole $100 from my register. Of course there are NO cameras, so I couldn't prove anything and had to take the shortage on my record. 
If you are a decent person you will not last long at this job. 
On  the plus side if you've only lived in nice areas and have only frequented respectable places  this job is a good life lesson.It will open your eyes to the real world around you that you though only existed on tv. It will make you guarded, if not jaded, because someone is always ready to screw you over and sadly, I don't just mean the customers trying to scam a few bucks. 
But hey, If you are desperate for a job, they will hire just about anyone.

The job itself was great, Im strongly considering relocating my entire family  so I can keep my job! The company might have the best of intentions as far as employees are concerned, BUT management in Memphis is unbelievably poor and PETTY. The staff is childish, even if you stay to yourself, you WILL have problems here! I was forewarned by someone who worked here before I started, and I still considered them.... I should have listened! If you’re a decent looking person, you might want to reconsider applying, if you’re doing well in life- RECONSIDER! The energy here is all negative, the staff must have never had anything their whole lives because they attempt to bring you down every chance they get. Rumors get started and people argue a lot, the managers will yell at you and try to belittle you and if you stand up for yourself (which you should) they will shorten your hours or remove you from the schedule. Management speaks to you as if you’re a child, Ive overheard them making fun of employees and Ive even heard them put an employee on speaker as she explained why she would be late, and then bash her once they hung up. I regret ever working at Ace. The training is effective, but every point after that was below standards. Their schedule is ever changing, sometimes you work multiple stores in one day, and you’re never at a set location- you’re all over Memphis and surrounding areas regardless of where you live. They will work you 13 hours straight with a 30 minute lunch break, and if you are not making goal sales they will shorten your hours. They have high expectations and they do play favorites, if one seasoned employee doesn’t like you- nobody will, including district and store managers. Sad place to work!

What is the best part of working at the company?
If you are the type of person who likes to learn on the go and not have much regular observation from your manager/supervisor, you will enjoy any role. 

What is the most stressful part about working at the company?
Long hours from hourly store level to salary DM roles. Lots of constant trimming in the way of locations closing, titles/roles being discontinued, bare minimum training, bare minimum safety for store level employees, high turnover at every level and so many more things. All in all, the culture is poor. 

What is the work environment and culture like at the company?
Customer facing associates are locked in on 11 hour shifts with no breaks working single coverage and the DM's are stretched so thin they don't have time to support them, RVP's and above are so far removed from what happens at store level they raise expectations without resolving known issues and pit HR vs the DM's making the temp of culture very bitter and the environment becomes toxic.

What is a typical day like for you at the company?
At DM level your hair is on fire all day and even after the doors close, there is no rest. Even when on PTO, your are expected to work. At store level, all stores are single coverage with no break from 830AM to 715PM. Some stores may see 12 customers all day while other may see 100 and no matter what, you are expected to meet sales expectations at equal levels.

Working for Ace Cash Express you gain a lot of knowledge in the financial industry and sales skills. A typical day at work includes cashing checks, processing payday loans, and selling cards. Depending on what store you're scheduled at, you typically work alone. There are no breaks so you need to bring lunch or order out. You get to help people from all different walks of life so if you love working with the public, you'd be comfortable in this environment. 
The hardest part of the job is really nothing other than not being able to leave for a breath of fresh air or get a break. 
I enjoyed my time with them up until about the last 2 years. I realized that I was not going to advance beyond a store manager and lead and decided to move on to a job that has allowed me to advance and grow. 
Not to say that opportunity for growth doesn't happen at Ace but most of the advancement there requires you to move out of state. There wasn't much room for advancement in my area and I was overlooked for an opportunity to be a dm in my area many times. But I was the go to person for support whenever we transitioned dms. I outlasted 7 dms and the 8th stepped down at the same time I officially resigned. It would have been nice to have been considered at least once. But overall my experience was a good one. 

 

A typical day at work was I would show up to work at 7:30am to open the store at 8:00am. In this thirty minutes I would verify cash in register and cash in safe. I would print daily reports, loan call reports and daily goals. As well as make sure store was clean and ready to take care of customers. After opening throughout the day I would make loan reminder calls, in between taking care of customer needs, such as check cashing bill payments and loan qualifying. For every transaction I would try to up sell product such as Ace elite debit cards as well as remind customers of our other services available. The hardest part of the job was working 11 hour days by myself. there was always only one employee working. It was difficult only because I am a single mom living in a town i knew nobody to help pick my child up from daycare, so getting out to pick her up was difficult. Although we worked alone we did communicate with each other from center to center, i loved my co-workers. I really enjoyed my customers and got to know many of them on a first name basis. My training manager was fantastic. the only management problem was the district manager wanted things ran his way, not always following company policies and procedures, which in return made times a little difficult when you have DM telling you to do things one way and corporate calling and telling you to do things another. All in all I will miss this job.

I have worked with ACE for over 4 years after it acquired my former company that I'd been with over 15 years.  There are no cameras, no security, and the district manager only cares if you are there to open the centers! You work all day alone conducting large cash transactions, bill pay, check cashing, customer service( you take care of everything alone). And leave out alone! The helpdesk is a joke, they NEVER help you, you have to figure out why transactions fail, computers went down, or why you are short on your own! Oh, and they threaten you if you don't force people to get prepaid cards or direct deposit, that your job is on the line! You don't get breaks, my location was always busy, AND they send in secret shoppers to test you while it's 20 people in line not from suburbs(most centers are in the hood) and if you fail, they take your hard earned incentives from selling cards from you! They have a fake open door policy, and even the HR dept is not helpful. They don't pay the seasoned employees what the new hires get, and no raises, but the district manager gets bonuses of the sales YOU make! During the riots in Baltimore, the DM didn't want to close the centers, even though looters broke into several! The safety of employees is not priority....sales and selling cards are!
This is a big company, that cares about the higher ups,  not the people working in the centers everyday!

A typical day at work is opening up the store at 8:30 am.
Logging into two POS systems and printing out various emails.
Print out the advance inventory so that I can make sure all loans are accounted for.
I get on a conference call with the DM and other employees almost every morning while unlocking the safe and counting all money in the store (register and safe).
While working I answer phone calls, and complete all transactions by myself without supervision.
I've learned how to cash checks, make money orders, process bill payments, and send wire transfers while working here. I've also learned how to input lots of information into the POS quickly and process loans (payday and title). The management is very good hear at supporting the employees and making sure they are aware of policies and are continually doing their job. I am not surrounded by co-workers but from speaking to them over the phone or doing a shift change here and there, I get along with everyone just fine.
The hardest part of working this job is working for LITTLE pay and working LONG hour days. Working alone is probably the most enjoyable part of the job and building relationships with regular customers.

Ace has its pros and cons. I like working with the customers and being able to help when they need it. But it is easy for customers to take advantage of ace and when they do, your performance suffers. Sometimes you have to bend the truth to the customers make your numbers. 

They train you for three weeks and then ease you into working. Used to be solo shifts, but now there are At least two in the store. Cash handling, check cashing, payday loans easy enough. 

Security is okay. Nothing happens because of the bullet proof glass and keypad locking doors,  people don't mess with you. But there are more security features inside if things got too real. 

The hours are long and for some you travel from store to store. Could be a plus or negative on how you look at it. Incentives are okay but they quota they want you to make require you to strong arm customers into things they don't really want. 

While senority plays a role, getting days off can be difficult. I was/am called in frequently on my off days or schedule revised to fit company needs. Good thing I don't have kids or husband. Might create issues. Raises are performance based. But its pennies on the dollar sometimes. 

Overall It okay, just need to have the lifestyle for it.

Worked as a help desk/customer service representative for a short while in 2014. You had to help the centers fix their equipment when it broke down (which if you are an ACE customer- you know is all the time) by trouble shooting it over the phone or restarting it remotely. Also, helped with bill pay inquiries or got information over to other departments. It was a very small department up on a high up floor in the Irving Corporate office, there was free food every once in a while but that was the only perk. Basically no benefits, making about $13/hour and fighting everyone else to meet the ticket completion quota. No training other than sitting next to someone else for a week and then getting on your own phone and PC to figure out how to do it on your own after that. Very strict attendance policy unless you had an in with someone to pull strings for you to keep you on when you should have been fired. TLs usually worked the most tickets along with veterans to meet their quotas and maybe bonus, everyone else just struggled to figure it out. Hard to get out of the department without tenure and when you did get a promotion it was just to be off the phones doing something else for the business, on another floor, for a few more $/hour.

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