2018 Advisory Board

Chairman

David Trinder

David Trinder

CEO
F&I Administration Solutions

David Trinder is the owner and CEO of F&I Administration Solutions LLC, delivering SCS Auto, a leading solution for the administration of vehicle service contracts, GAP, prepaid maintenance, appearance protection and more. Delivered as a fully web-based, hosted solution, SCS Auto is a complete administration solution. In addition, SCS Auto provides a dealer site for quick quotes, eContracting, contract lookup, remittance and more, mobile solutions for agents and customers and electronic connections to more than 30 menu systems for both eRating and eContracting. No system connects providers to the industry more than F&I Admin’s SCS Auto.

Before acquiring F&I Admin, David was Senior Vice President, Network Solutions, at DealerTrack, Inc. where he oversaw the development of the new web-based SCS Auto platform and prior to that he was Chief Executive Officer of DealerAccess Canada Inc.

Board Members

Kristen Gruber

Lee Bowron

Co-Founder
Kerper and Bowron, LLC

Lee Bowron has been consulting on service contracts, GAP and other F&I products for the past 17 years. He is a partner in Kerper Bowron/JH Briscoe which focuses on actuarial and reinsurance solutions for the F&I industry. Prior to consulting, he was the Chief Actuary for The General auto insurance. Bowron has written articles on GAP insurance, Vehicle Service Contracts and other topics for journals and magazines, including Best’s Review. He is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.

Kristen Gruber

Dave Duncan

President
Safe-Guard Products International

Dave serves as President of Safe-Guard, the leading F&I product administrator by volume in the world. Dave has over three decades of experience in both automotive retail as well as in protection product administration. Born in Chicago (go Cubs!), but raised in Atlanta (go Falcons!), Dave transitioned from Florida State University (go ‘Noles) to automotive sales in 1982.

He spent the next decade working his way up to General Manger, a position he achieved at age twenty-nine. Meanwhile, Dave’s brother, Doug Duncan, created Safe-Guard Products in 1992 and asked Dave to partner with him and purchase control of Diversified Automotive Group, Doug’s thriving Atlanta-based General Agency. Dave operated Diversified Automotive Group as President and CEO directly alongside Safe-Guard until Dave was asked to come on board full-time as an equity partner in Safe-Guard. Dave has been front and center for Safe-Guard’s impressive growth, maturity and industry-leading position during the past twenty-six years.

Today, Safe-Guard has almost six hundred associates operating in state-of-the-art facilities in Atlanta, Irvine, Toronto, Montreal and Melbourne (Australia). Safe-Guard’s partners include the top General Agents, the most successful Automotive Retail groups and the vast majority of the OEMs who offer private-labeled protection programs. Dave has helped lead Safe-Guard’s efforts to develop innovative products that protect consumers from the perils of ownership of automobiles, motorcycles, recreational vehicles, powersports and marine products. In addition, Dave has long been an industry leader and strong advocate for full transparency in the presentation of protection products to the consumer. As we move towards a full online experience for the consumer, Dave believes that someday soon transparency will fully replace negotiation.

Kristen Gruber

Kristen Gruber

President
Dealers Assurance Company

Kristen is the President of Dealers Assurance Company (DAC), and has worked in the insurance arena for 25 years, mainly in roles specific to the F&I industry. Over the course of her career, she has focused on developing insurance solutions for agents, dealers, and OEMs. Today, Kristen and her management team of industry experts work to provide DAC’s clients with the exceptional regulatory, compliance, and analytical support they need to grow their business.

Lori Hallissey

Lori Hallissey

Chief Operating Officer
Portfolio Reinsurance Services 

Lori Hallissey has had a far-reaching and successful career, spanning more than three decades in the automotive industry.  She began her career in the early 1980’s in a Chevrolet/Oldsmobile dealership in San Diego. Enamored by the F&I side of the business she joined a rapidly growing TPA, ultimately running all operations for the company. Hallissey then branched out to manage and grow a multistate general agency serving California, Utah and Nevada.  Her achievements there led her to be recruited to run all F&I product administration for Protective Asset Protection in Chicago where she continued her success.  In 2013 she joined the Allstate Dealer Services team, where she led a large team as VP of Operations and Customer Experience. In October of 2016 Hallissey joined the Portfolio team as Chief Operating Officer to bring her extensive experience to one of the fastest-growing companies in the F&I business.

Lori Hallissey

Randy Henrick

Vice President and Compliance Counsel
Mosaic Compliance Services

Randy Henrick is an experienced auto dealer compliance and consumer and commercial credit attorney and consultant. He was the regulatory and compliance attorney for Dealertrack, Inc. for 12 years and authored all of Dealertrack’s Compliance Guides. Randy also was the thought leader for Dealertrack’s Compliance product.

Randy has over 30 years experience in banking, credit, and compliance. Prior to working for Dealertrack, Randy worked for GE Capital, Citibank, MasterCard International, and Fleet Boston. Randy operates a consulting business for auto dealers and lenders that provides assistance with regulatory and compliance issues ranging from advertising and policy reviews to training programs on sales, f&i, privacy, data security, unfair and deceptive practices, credit discrimination, and other topics.

Randy is also a Vice President and Compliance Counsel for Mosaic Compliance Services.

Randy presented at 2015-2018 NADA National Conventions. He has also spoken to numerous state and industry auto dealer trade associations as well as specialized industry groups in the aftermarket product, independent dealer, and RV industries. He has testified in hearings before the Federal Trade Commission and the Consumer Financial Protection Bureau.

Randy has written monthly articles in Dealer magazine and currently writes a regular column for Subprime Auto Finance News covering an array of legal, regulatory and compliance best practices for vehicle dealers. He has worked with NADA on training and publications as well and wrote NADA’s Guide to Federal Truth in Lending that was released in 2018.

Lori Hallissey

Arden Hetland

President & CEO
American Financial & Automotive Services, Inc. and American Financial Warranty Corporation

Arden Hetland is President and Chief Executive Officer (CEO) of American Financial & Automotive Services, Inc. and American Financial Warranty Corporation. The American Financial companies provide comprehensive F&I development, first class administrative services, and a full portfolio of F&I products to maximize dealership profits. The Automotive Training Academy (ATA), a division of American Financial, complements these offerings by preparing automotive professionals for the demands of the industry. Recognized for having the highest standards of integrity and ethics, American Financial has received multiple Dealers’ Choice Awards and other industry awards.

Hetland began his automotive career after graduating from North Dakota State University. He held multiple positions in the retail automotive business, and later continued his career with World Service Life. During his eight years at World Service Life, he was promoted to Vice President and Director of the Auto Services Group and then to Senior Vice President of Credit Insurance Services. He also won various distinguish sales awards during his tenure at World Service Life. Through a merger in 1986, Hetland proceeded to become the Vice President of Insurance Marketing for American National Insurance Company, the third largest insurance company in the country.

In 1992, Hetland incorporated American Financial & Automotive Services, Inc. Since then, he has led the company to be an industry leader, receiving multiple endorsements from state and metro dealer associations.

Hetland is also a founding member of the Association of Finance & Insurance Professionals (AFIP). As such, the American Financial companies were the first to have their entire field force AFIP certified. Furthermore, the ATA offered the first AFIP certified F&I training course. In 2016, Hetland assisted in developing the ACE certification program to further enhance ethics and compliance within the automotive industry.

Daniel Lievrouw

Daniel Lievrouw

Executive Vice President and CIO
American Guardian Warranty Services, Inc.

Daniel has been with American Guardian Warranty Services since its inception in 1998, originally as a consultant and formally joined the management team in 2006. During this period Daniel has been an integral part of the growth and success of AGWS and their development of key industry leading technology solutions.

Kristen Gruber

Brian Reed

CEO and President
F&I Express

Brian Reed, President and CEO, leads F&I Express in providing world-class technology to support electronic processing and eCommerce for automotive retailers. Holder of more than 15 patents, Reed is an innovator who drives the creative development and application of new technologies. His current quest is to help F&I departments be more efficient, effective, and compliant while developing new online processes to increase customer satisfaction and dealership profits.

2018 Advisory Board

David Trinder 
CEO, F&I Administration Solutions and Advisory Board Chair

Cindy Allen
CEO, StoneEagle

Lee Bowron
Founder, Kerper and Bowron, LLC

Kristen Gruber
President, Dealers Assurance Company

Lori Hallissey
Chief Operating Officer, Portfolio Reinsurance Services

Randy Henrick
Legal and Compliance Professional

Arden Hetland
President, American Financial and Automotive Services

Dan Jones
Xzilon

Daniel Lievrouw
VP of Operations & I.T., American Guardian Warranty Services, Inc.

Adam Pope
President, Warranty Solutions

Brian Reed
President, F&I Express