About Us

About Us

Solutions for Every Moment

GraceKennedy Money Services (GKMS) is the umbrella entity which encompasses FX Trader – The Foreign Exchange Place from GraceKennedy Money Services, Bill Express – The Bill Payment Place from GraceKennedy Money Services and Western Union – Moving Money for Better.  Some or all of these services may be found in Jamaica, Trinidad and Tobago, Guyana, Anguilla, St. Kitts and Nevis, St. Vincent and the Grenadines, British Virgin Islands, Montserrat, the Cayman Islands and the Turks and Caicos, and now The Bahamas.

GKMS & Western Union®
Moving Money For Better

We move money for better, enabling individuals, families, and friends to securely and seamlessly transfer money in the ways that are most convenient for them, whether that is walking into a retail location, or utilizing digital channels.

GraceKennedy Remittance Services Limited (GKRS) was established in 1990 to serve as the exclusive agent of Western Union Financial Services in Jamaica. The success of this alliance between GraceKennedy and Western allowed GKRS to expand from Jamaica into Trinidad and Tobago in 1992, and into Guyana in 1993.

In 2006, GKRS also became the Western Union agent in five Eastern Caribbean markets – Antigua & Barbuda, Anguilla, St. Vincent & the Grenadines, St. Kitts & Nevis and Montserrat. While 2013 saw further expansion into the British Virgin Islands (BVI) and in 2016 we added Turks and Caicos the Cayman Islands and at the end of 2017 The Bahamas.

As of today, GKMS operates the
Western Union franchise in 11 Caribbean territories.

We are located in



St. Kitts and Nevis

The British Virgin Islands



Trinidad and Tobago

St. Vincent and the Grenadines

Turks and Caicos

Cayman Islands

The Bahamas

As of today, GKMS operates the
Western Union franchise in 11 Caribbean territories.

We are located in



The British Virgin Islands

Cayman Islands


St. Kitts and Nevis

St. Vincent and The Grenadines

Trinidad and Tobago


Turks and Caicos


Today with more than 250 locations across Jamaica, our network comprises a combination of Financial Service Centres (FSCs) and Retail Stores, such as supermarkets and pharmacies. Our service is further enhanced by digital offerings which allow customers to be able to receive or send a transaction without going to a traditional location.

FX Trader has been a preferred cambio service for business and individuals across the Caribbean. With more than 45 locations in Jamaica alone, and several locations in Trinidad and Tobago, we are the largest cambio in the English-speaking Caribbean, offering our customers value- packed foreign exchange services.


Bill Express is our one stop bill payment solution that has its roots in complementing the remittance side of the business. Bill Express offers bill payment services through a network of operators in Jamaica, Guyana and Trinidad and Tobago, as well as online through BillExpressonline.com.


To be the Leader in money services, delivering borderless solutions with first class customer experience.

To connect communities and improve lives by fostering financial inclusion, whilst providing convenient and efficient money solutions.”


Customer Charter

We Promise To:

Offer competitive rates for our services

Make your safety our priority

Make it easy for you to do business with us

Be respectful, knowledgeable, and pleasant at all times

Communicate changes in a clear, concise, and timely manner


We are here to help you.

Michelle Allen

Chief Executive Officer, Jamaica

On January 1, 2014, Michelle Allen was formally appointed to the position of Chief Executive Officer of GKMS (GraceKennedy Money Services) Group of companies.

Prior to this appointment, Michelle was the Chief Operating Officer (COO), GKMS, a role which she assumed in August 2012. As COO she was responsible for providing effective and inspiring leadership to the GKMS Team, while focusing on strategic direction, internal systems and process improvements. Currently her responsibility spans eleven countries with oversight for the Trinidadian, Guyanese and Eastern Caribbean markets as well as the areas of Business Development and Information Technology.

Since joining GraceKennedy Remittance Services in 1993 as Supervisor of Administration and Operations, Michelle has held the positions of Operations Manager, Vice President – Regional Markets, Vice President, Operations and Chief Compliance Officer. She is also credited for leading the expansion of GKMS into new Caribbean markets. Michelle’s experience is wide ranging as she has also gained considerable exposure to the operations in the North American and United Kingdom markets.

Michelle holds an MBA in International Business from the University of the West Indies, Mona, Jamaica and a B.A. in Psychology and Spanish from the State University of York-Oswego and recently completed a course entitled “Leading Strategic Growth & Change” at Columbia University. She chairs the boards of the GKMS Cayman and Turks and Caicos Islands and is a Director on the Boards of GKRS, GraceKennedy T&T Ltd., GKRS Guyana, and GKMS countries in the Eastern Caribbean. She has participated in GraceKennedy’s Senior Leadership Development Programme (SLDP), and is currently the Vice-President of Jamaica Money Remitters Association.

She enjoys reading, travelling and participating in 5K and half-marathon races

Grace Burnett

President & CEO, GKMS

On April 1, 2019, Grace Burnett was formally appointed the President and Chief Executive Officer (CEO) of the GraceKennedy Money Services (GKMS) Group of Companies. This new portfolio is in addition to her role Chief Executive Officer of GraceKennedy Financial Group Ltd, a position she has held since February 01, 2016.

Prior to coming over to GKMS, she was the Managing Director of GK General Insurance Co. Ltd formerly Jamaica International Insurance Co. Ltd (JIIC), a position she assumed in January 2013. She also held the portfolio of CEO for the Insurance Segment with responsibility for the strategic direction of the insurance business. She joined GraceKennedy Ltd in August 2000 as General Manager of JIIC and after 6 years, moved to Allied Insurance Brokers Ltd (AIB) as Managing Director. 

She has a tremendous track record in both companies where she honed her skills in operations, customer experience and employee engagement. Known as the fixer, she’s fair, people oriented and has achieved the second highest staff satisfaction rate for the financial division. 

Grace, is a Director of GK Insurance (Eastern Caribbean) Ltd formerly EC Global. She is a former director of the Jamaica Chamber of Commerce, the United Way of Jamaica and Junior Achievement Jamaica, and past Chairman of the Agro Investment Corporation. She holds the distinction of being the Founding President of the Jamaica Society for Insurance Professionals and Technicians. She is a member of The Women’s Leadership Initiative (WLI), General Legal Council, the Jamaican Bar Association, The Chartered Insurance Institute (UK) and Toastmasters International. 

An attorney-at-Law, she gained a Bachelor of Laws from the University of the West Indies and her Chartered status from the Chartered Insurance Institute. She has participated in several leadership development courses including the Leadership Journey at the Wharton Business School, University of Pennsylvania and GK’s Executive Leadership Development Programme. 

She is mother to two daughters and is passionate about gardening and mentoring. For relaxation she putters around her garden and in her quiet moments listens to music.

Margaret Campbell

Country Manager

MARGARET CAMPBELL was appointed Chief Operations Officer, GKMS Group on October 1, 2020. In this new role she has oversight for the business in Cayman, Bahamas, British Virgin Islands, Turks and Caicos Islands, the Eastern Caribbean markets as well as Jamaica.

Prior to this new appointment, she was Country Manager for Jamaica, where she oversaw the efficient operations of all the businesses within GKMS, as well as drove revenue growth and developed key strategic pillars in the evolving money services sector.

She joined GKMS in August 1996 as a Senior Accounts Clerk and has progressed through various roles including Chief Accountant – FX Trader in October 1999, Financial Controller in September 2005 and Chief Financial Officer in January, 2011. Margaret is a Fellow Member of the Association of Chartered Accountants and holds the Chartered Financial Analyst accreditation from the Association of Investment Management and Research. She holds an MBA from the Manchester Business School.

Donald Edwards

Country Manager (TT)

Mr. Donald Edwards was appointed as Country Manager GraceKennedy (Trinidad & Tobago) Limited in April 2013, prior to that appointment Donald served as the Operations Manager of GraceKennedy (Trinidad and Tobago) Limited from July 2006.

Mr. Edwards was previously the Agent Network Manager of GraceKennedy (Trinidad and Tobago) Limited. He began his career with the Company in 1993 as an Accounting Assistant and assumed the position of FX Trader/Accounts Clerk in 1998. In 2001, he was appointed as a Network Officer, and in 2004 was promoted to the position of Agent Network Manager.

Donald is the holder of a Bachelors Arts degree in Business Management from the Anglia Ruskin University, London in 2008.

Donald is a sports enthusiast and fish hobbyist and spends his free time on “do it yourself” projects.

Troy Williams

Country Manager (Guyana)

Troy Williams was appointed as Country Manager GraceKennedy (Guyana) Limited in February 2019, prior to that appointment Troy was acting in the position providing leadership and direction to the team members in Guyana.

Troy joined the team in April 2006 as the Financial Accountant. In September 2010, he was appointed Chief Accountant, a position he held until his appointment as Country Manager (Ag).  Troy brings to this role his strong accounting background
and organisational skills.

Troy is a Fellow Member of the Association of Chartered Certified Accountants and the holder of an MBA from Bakke Graduate University.  He is an active member of his church and in his spare time enjoys listening to music.

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