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If it's a steam cloud profile, it will be in Documents/ATS/steam_profiles
Steam Profiles has a XXXXXXXXXXXXXXXXXXXX folder with config, controls.sii and gearbox_layout_eaton_XX.sii (3 different ones)
Open cheatengine.
In the top left corner, there is a box with a computer in it, and a colorful border around it. Click that and then double click ATS in the box that opens (make sure ATS is running).
Put your current balance into the Value: box.
Click first scan (depending on the balance, you could have thousands of results. Don't worry about those), then go back into the game.
Next, either take a short job, take out a loan, get a fine, etc. Anything that changes your balance in-game.
After your balance is different, enter the new value into the same box as before, then click Next scan.
You should now only have one (or a few) results.
If you have more than one: Click any result in the list, and hit Ctrl + A. This should highlight every result in the list. Click the red arrow next to the result list. Click the checkmark beside any result and hit Ctrl + A again, then hit enter. Type in whatever value you want in the new box, then hit enter again.
If you have just one: Just click the result, hit Ctrl + E, then type in whatever value you want and hit enter.
You can now close cheat engine, and go back to ATS. Your balance will update after you switch screens (ie, if you're on the main menu just open the map, or bank, etc).