Since 1984, APCO has developed deep expertise as a leading provider and administrator of F&I products for the auto industry. Built on a foundation of financial security and a commitment to understanding our customers’ needs, we’ve become a trusted partner to some of the most well-respected insurers, most successful dealerships and leading auto industry players. APCO brands deliver tailored F&I solutions through a network of partners including agents, franchise and independent dealers, lenders and manufacturers to help our diverse customers achieve their goals.
$3.5B+ in claims paid
11M+ protected drivers
35+ years experience
The industry’s only MotorTrend® Recommended Best Buy
Our core values are what drive us to seek innovation, generating passionate customers at every level and helping our partners succeed.
The key to success is creating passionate employees and customers.
Chairman & CEO
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.
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.
Chief Financial Officer
David joined APCO in February 2018 as Chief Financial Officer. He brings over 30 years of experience in the insurance and extended warranty industries. David has served as CFO for both publicly-held corporations as well as private-equity backed organizations. Most recently, he served as EVP and CFO of The Warranty Group. David received a Bachelor of Science degree in Accounting from Indiana University and is a Certified Public Accountant.
In his free time, David can be found spending time with his wife and four children, perfecting his golf swing, or cheering on the Indiana Hoosiers basketball team.
Senior Vice President, Business Development
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. In January 2014, he also took on responsibility for managing APCO’s Business Development team.
Senior Vice President of Strategy and Planning
Scot joined APCO in 2020 as Senior Vice President of Strategy and Planning to grow the company in an increasingly digital and competitive auto retail environment—bringing a rich background in the automotive industry and deep expertise in selling products and services to the retail market. Prior to joining APCO, Scot held leadership positions at Affinitiv Inc., AutoNation, JM Solutions, Reynolds & Reynolds, JD Power, and Accenture. He received a Bachelor of Arts degree in Economics from Princeton and an MBA from Wharton Business School.
Chief Services Officer
Michael (Mike) A. Curran has been with APCO since 1985. In his tenure with the company, Mike has served as Vice President of Claims, Executive Vice President/Dealer Relations and Sr. Executive Vice President/Administrative Functions. However, his focus has remained the same: taking care of the customers to assure we meet or exceed their expectations.
EVP Financial Channel
Brian Becker joined APCO in 2018 as Executive Vice President and has been instrumental in growing new channels of business that drive additional revenue for the organization. Brian brings over 20 years of experience in the insurance and warranty industry. Prior to APCO, Brian spent 12 years in various executive sales and marketing leadership roles with a nationwide F&I provider, where he led the development of multiple channels and successfully optimized the company for revenue growth nationally. Brian has a Bachelor of Science in Marketing from Florida State University.
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).
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.
VP, Customer Care Center
Jeff Petrone joined APCO in 2009 as Vice President of Customer Care. He brings nearly 20 years of experience in direct-to-consumer vehicle service contract sales and has been instrumental in developing APCO’s best-in-class Customer Care Center program. Prior to joining APCO, Petrone held leadership roles in both sales and marketing at Revolos, most recently as the Sales Manager for Warranty Direct. Petrone holds a Bachelor of Business Administration in Management and Marketing from Iona College.
VP, Legal Counsel
Michael Perrett joined APCO in 2010 as staff attorney and was promoted to Vice President, Legal Counsel in 2013, assuming oversight of all legal operations for the company. As general counsel, he leads APCO’s legal and compliance department and advises the company on a wide range of legal and business issues. Prior to joining APCO, Michael served as in-house counsel at Thomson Reuters and ChoicePoint. He holds a Bachelor of Science and Juris Doctor from the University of Alabama.
Monte Pinkett joined APCO in 2005 focused on supporting IT applications, infrastructure and driving technology innovation. As Vice President of IT, he brings over 25 years of experience, more than a decade in the automotive industry, specializing in leading business systems transformations, strategic application and services development, successful IT/business alignment, all through a cybersecurity lens. Prior to joining APCO, Monte served as IT Senior Manager at The Home Depot and began his career at IBM. Monte received a Bachelor of Science degree in Computer Science from Hampton University.
EVP, National Accounts
Pete Lee joined APCO in 2001 and spent nine years as a National Account Manager for several OEM programs. Pete returned to APCO in 2016 as Vice President of Acquisition and Product Development before assuming responsibility for APCO’s National Accounts in 2019. Pete has over 19 years of experience with various companies in the finance and insurance industry, including Safe-Guard Products, OptionSoft Technology, and Kistler Financial Insurance Group. Pete holds a Bachelor of Science in Management along with Certificates in Marketing and Information Technology from Georgia Tech.