Our Leadership Team

The APCO Holdings leadership team has decades of automotive experience and advanced educational degrees. We are dedicated professionals that are committed to furthering our mission of serving as the industry’s best-in-class vehicle service contract provider. Together, we help our dealers optimize sales and bring their customers a “No Worries, Just Drive” experience.

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Finbarr O’Neill
Executive Chairman
Finbarr O’Neill
Executive Chairman
Finbarr (“Fin”) O’Neill joined the Board of APCO in February 2018 and was named CEO & Chairman in May 2019. Fin has over 20 years of experience as CEO with various companies in the automotive industry. Most recently, Mr. O’Neill was President and CEO of J.D. Power. In his 10 years with J.D. Power, Fin helped lead the firm through a period of dramatic expansion into data & analytics, and integration of strategic acquisitions including the NADA Used Car Guide and the used car pricing consumer website National Appraisal Guides. Previously, he served as CEO of Hyundai Motor America where he helped lead a brand turnaround, Mitsubishi North America, and Reynolds & Reynolds.

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Tony Wanderon
Chief Executive Officer
Tony Wanderon
Chief Executive Officer
Tony Wanderon was named CEO of APCO in 2023. He has more than 32 years in the industry as an Agent, Administrator and Executive for a Fortune 50 company and has spearheaded or been involved in many public and private sale transactions of companies he has led. Throughout his career, Tony has been an innovator and leader in the automotive F&I industry, pioneering several F&I products including GAP and Trade-In Protection and developed the first successfully integrated dealer-owned Personal Lines Insurance Agency.‍​

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John Lee
President
John Lee
President
John Lee joined APCO in 1991 with the primary responsibility of developing and managing APCO’s insurance relationships and risk management policies and procedures. He was promoted to President in 2003 after having served in various positions, including Chief Operating Officer. Prior to joining APCO, John was a Claims Manager at General Group International and Maryland Casualty Company. He holds a B.A. from Furman University and an Honorary Degree in Foreign Studies from Kansai Gaidai University in Hirakatashi, Japan.

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Bob Haeffner
Chief Financial Officer
Bob Haeffner
Chief Financial Officer
Bob joined APCO in 2022 as Chief Financial Officer. He brings nearly 30 years of experience in finance and accounting with a deep understanding of the automotive retail industry. Bob brings a wealth of industry experience in accelerating growth and raising capital, strategic business planning, mergers and acquisitions, and corporate governance. Bob comes to APCO with significant financial executive experience in consulting and the automotive sector. Most recently, he served as Vice President and CFO of Southeastern Toyota Distributors, LLC. He received his master’s degree in business administration from the University of Miami and his bachelor’s in economics and management from Trinity College in Deerfield, Ill.

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Courtney Hoffman
Chief Revenue Officer
Courtney Hoffman
Chief Revenue Officer
Courtney Hoffman drives APCO’s organic and inorganic growth engines, overseeing our national sales teams, agent partnerships, post-purchase sales, and a robust F&I training program. Courtney will also guide APCO’s M&A growth plan, building on recent acquisition gains. She brings over 25 years of industry experience in Claims, Operations, OEM/strategic partnerships, mergers and acquisitions, and sales leadership.

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Pankaj Singh
Chief Technology Officer
Pankaj Singh
Chief Technology Officer
Pankaj Singh brings over 20 years of technology industry experience to his role as CTO. Leading APCO’s IT department and project management office, Singh finds innovative ways to leverage technology to better serve our customers and employees—today and in the future. He holds a bachelor’s degree in Engineering and an MBA, and is a published author on software engineering, IT, managerial decisions and quality compliance.

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Christina Schrank
Chief Services Officer
Christina Schrank
Chief Services Officer
Christina Schrank leads Claims and Operations with a laser focus on providing the service and support our customers deserve and expect. Over her 25+ years with the company, Christina has held the roles of Operations Supervisor, Director of Operations, VP of Marketing and Customer Support, and COO of NAC. She holds a degree in Business Administration and has been honored several times by industry publications for her contributions to the industry.

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Erika Ahern Curran
Chief Legal Officer

Erika Ahern Curran
Chief Legal Officer
Erika joined APCO in 2023 as Chief Legal Officer. She brings nearly 25 years of experience to her role, most recently serving as Chief Counsel for Assurant’s Global Auto Business Unit. Previously, Erika served as the General Counsel for a division of CNA Insurance and before that spent twelve years serving in a variety of legal, claims, and business roles at Allstate. Erika began her career as a trial attorney in Chicago where she litigated over a dozen jury trials. She is a member of the Bar in New York, Illinois, and Arizona. Erika holds a J.D. from Southern Illinois University School of Law and a Bachelor of Arts from Siena College.

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David DeCredico
SVP, Reinsurance
David DeCredico
SVP, Reinsurance
David DeCredico joined APCO as its Vice President for Reinsurance Programs in 2004 after spending the early part of his career in Public Accounting. David holds a Bachelor of Arts degree from Wake Forest University and a Master’s of Science in Management from the Georgia Institute of Technology. David is also a licensed Certified Public Accountant. In 2007, in addition to managing EasyCare’s Dealer Reinsurance programs, he took on primary responsibility for Program Development and managed the relationships with all of APCO’s OEM and other private labels.

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Kate Eltringham
SVP, Marketing & Strategy
Kate Eltringham
SVP, Marketing & Strategy
Kate Eltringham joined APCO in 2013 as GWC Warranty’s Director of Marketing and was promoted to Vice President of Marketing in 2015, leading the APCO marketing team on many initiatives that have played an integral role in the company’s growth in the industry. Kate brings over 15 years of experience in marketing, product management and strategic planning. Previously, she held progressive roles with CIW Enterprises and InterMetro Industries, a former business unit of Emerson Electric Corporation. Kate has a Bachelor of Science degree in Marketing and Spanish from King’s College and an MBA from Wilkes University.

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Crystal Meinert
VP, Human Resources
Crystal Meinert
VP, Human Resources
Crystal Meinert joined APCO Holdings in 2017 as Director of Human Resources for GWC Warranty, and now leads HR for APCO Holdings. Crystal works with a skilled team to align human resources with business objectives and develop staffing strategies to promote talent and growth. Prior to joining APCO, Meinert held roles with companies such as CVS Health and Amazon. Meinert holds a Bachelor of Science degree in Management and Human Resources from Bloomsburg University and is certified as a Professional in Human Resources by SHRM and HRCI (SHRM-CP, PHR).

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James Virgoe
SVP, Managing Director GWC
James Virgoe
SVP, Managing Director GWC
James has over 20 years of experience in the automotive industry. With a strong track record of managing top-performing territories, developing new channels of business, and building revenue-producing relationships, James leads GWC’s high-performance sales organization with a focus on creating stronger market penetration. His deep understanding of the competitive landscape helps drive organizational innovation and growth as the industry continues to evolve.

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Spencer Wanderon
SVP, Sales
Spencer Wanderon
SVP, Sales
Spencer Wanderon leads APCO’s indirect agency channel nationally, supporting partners in growing their business and driving success in their agency. Spencer and his team employ a responsive relationship-building approach that separates them from the pack and makes them the best in the industry. He holds a Bachelor’s in Finance & Economics from the University of Alabama. His twin girls motivate him to be the best he can be. 

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