2018 Speakers

Master of Ceremonies
Bob Harkins

Bob Harkins

Vice President of Training
American Guardian Warranty Services (AGWS)

Bob Harkins’ background in the automotive industry includes consumer finance, sales and F&I management. He once served as vice president and director of training for an international credit insurance and vehicle service contract administrator and also has worked with Northwood University, NADA’s Dealer Candidate Academy, NCM Associates Inc., manufacturers’ dealer development programs, state dealer associations and AFIP.

Harkins designs and presents Finance and Insurance, Compliance and Ethics seminars and workshops for dealerships, dealer groups, administrators and general agents.


P&A Leadership Summit Keynote

Chip Perry

Chip Perry

President and CEO

Chip Perry is president and chief executive officer of TrueCar, Inc. In his role, Perry is responsible for TrueCar’s strategic direction, product vision and operations in the company’s Santa Monica headquarters and San Francisco and Austin, Texas, offices. Perry also manages TrueCar’s relationships with key external stakeholders, including dealers, dealer associations, automakers, consumers, regulators, affinity partners and investors.

Perry joined TrueCar after serving as president and CEO of RentPath LLC, parent company of
ApartmentGuide.com and Rent.com. Previously, Perry led AutoTrader.com in 1997, serving as its CEO from the company’s inception until 2013. While there he guided AutoTrader’s evolution from a one-person startup into the world’s largest online automotive marketplace, with $1.5 billion in annual revenue, 20,000 dealer customers, 16 million monthly unique visitors and 3,500 employees. Under his guidance, AutoTrader.com also created an array of transformative digital solutions that have helped thousands of dealers expand their presence online.

Prior to starting AutoTrader.com, Chip was a vice president of new business development at the
Los Angeles Times. In the early 1990s he led the team that launched TimesLink, one of the
nation’s first major newspaper online services. It was this experience that gave him the insight
that digitally powered automotive classified advertising on the Internet presented an enormous
growth opportunity.

His extensive career includes working as a management consultant in McKinsey & Co.’s Los
Angeles office and business development and civil engineering positions for the Bechtel Group.
Chip holds undergraduate and graduate degrees in civil engineering from the University of
Virginia and an MBA from Harvard Business School.

Speakers & Panelists
Arden Hetland

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.

Hetland and his wife, Donna, are both natives of North Dakota. They are actively involved in their church and community. They have two daughters and five grandchildren. They currently reside in The Woodlands, Texas, a suburb of Houston.

Ben Woods

Ben Woods

Actuarial Senior Consultant
Allstate Dealer Services

Ben Woods joined Allstate Dealer Services in June 2012. Over that time he has worked extensively on GAP ratemaking, reserving and forecasting. His primary focus over the past two years has been building predictive models that incorporate Allstate’s private passenger auto insurance claims data into its more than 15 years of GAP underwriting experience to derive deeper insights into the various drivers of GAP loss trends.

Woods received his Bachelor of Business Administration degree from Georgia Southern University in Statesboro, GA. He is an Associate of the Casualty Actuarial Society.

Dave Duncan

Dave Duncan

Safe-Guard Products International LLC

Dave Duncan is part of the founding team of Safe-Guard.  He brings to the company over three decades of F&I experience at both the dealership level and in the automotive protection products arena. Duncan has direct responsibility with the company’s sales, marketing and business development efforts.  Instrumental in growing the OEM and National Account business for Safe-Guard, he manages the deployment of turn-key programs for F&I business units.  Prior to joining the Safe-Guard team in 1992, Duncan was President and CEO of Diversified Automotive Group, a national general agency, and held numerous management positions in automotive retail.

David Kaseff

David Kaseff

Chief Operating Officer

David Kaseff is a Certified Public Accountant and an attorney at the MarksNelson accounting firm in Kansas City, Missouri, where he leads the insurance industry practice area.

As a CPA and attorney, David brings both accounting and legal experience to the areas of taxation, producer-owned insurance, captive insurance and alternative risk financing. He has worked with Fortune 500 and large privately held companies. He has been engaged by clients such as Enterprise Rent-A-Car, Assurant, Apple Computers, Raytheon, DST Systems, Sprint, Janus Corp. and American Century Investments to provide advice and services with regard to service contract and risk management issues. He also provides accounting, tax and audit services to both small and large automobile dealer groups.

Prior to joining MarksNelson in 2002, David worked as an insurance specialist and tax manager at PricewaterhouseCoopers where he began a national captive insurance team. As part of the national team, he assisted other members in dealing with technical tax, business and implementation issues that arise during the establishment of a captive insurance company. He continues to utilize his expertise at MarksNelson specializing in corporate, partnership, insurance, re-insurance, and mergers and acquisitions. He currently provides accounting and tax services to various insurance companies including CFCs, NCFCs, and traditional insurance carriers.

David is listed in Who’s Who in Tax and received the Bingham Sommers Award for Overall Excellence in Taxation. He has been quoted in several industry publications including Automotive News and Used Car Dealer Magazine.  He is the past Chair of the Heart of America Tax Institute.

David Pryor

David Pryor

Chief Marketing Officer
Safe-Guard Products International, LLC.

David Pryor joined Safe-Guard Products in 2013 bringing with him over 15 years of automotive OEM experience. Before joining Safe-Guard, David led the Jaguar brand in North America, and brand and product marketing as CMO of Porsche Cars North America. He has served in a variety of roles in the automotive industry including marketing, product development, finance, aftersales and CRM. With his deep automotive and OEM experience, David oversees Business Development, Product Management, Account Management and Marketing for Safe-Guard. David has an undergraduate degree in Industrial Engineering from Georgia Tech and an MBA from MIT’s Sloan School of Management.

Kristen Gruber

Kristen Gruber

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.


Kumar Kathinokkula

Kumar Kathinokkula

F&I Administration Solutions

Kumar Kathinokkula is the COO of F&I Administration Solutions, a leading provider of administration solutions for F&I products. He is responsible for the development and management of the SCS Auto Platform which is specifically designed to support Vehicle Service Contracts, GAP, Prepaid Maintenance, Appearance Protection and more.

Previously, Kumar was Director of Product Management at DealerTrack Inc where he was responsible for the development and management of the DealerTrack Aftermarket Network and the SCS Auto platform. He has more than 15 years of technology management experience with a specific concentration in delivery of Finance and Insurance solutions on the Microsoft technology platform, including consulting experience at Deloitte Consulting and CGI Group, Inc.

Lee Bowron

Lee Bowron

Kerper Bowron

Lee Bowron has been consulting on service contracts, GAP and other F&I products for the past 15 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.

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

Dave Duncan
President, Safe-Guard Products International

Kristen Gruber
President, Dealers Assurance Company

Lori Hallissey
COO, Portfolio Reinsurance Services

Randy Henrick
President, Randy Henrick & Associates, LLC

Arden Hetland
President, American Financial
and Automotive Services

Dan Jones
Principal, Eckbond Coatings, Inc.

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

Adam Pope
President, Warranty Solutions

Brian Reed
President, F&I Express