We think
serving others
is pretty cool
Expertise, Legacy & Innovation
Frost was founded in 1972 out of a vision to provide comprehensive financial
solutions. We began offering GAP administration services in 1999 and were
first-to-market with our VisualGAP Menu-Selling Platform.
Our success comes from adhering to these principles:
- Listening to our clients and understanding their needs
- Delivering best-in-market solutions
- Blending traditional personal service with forward-thinking technology
Over the past five decades, Frost has grown to become a trusted name in
the credit union and financial services industry. Joining the APCO Holdings
family of brands in 2023, we leverage our extensive resources and expertise
to deliver exceptional value to our clients and the members they serve.
CORE VALUES
Our values guide how we work, how we partner, and how we deliver results.
CARE reflects our commitment to doing things the right way building trust, owning outcomes, delivering measurable value, and striving for excellence in everything we do. These values shape our decisions and define what you can expect when you work with us.
We are
COMMITTED
We are passionate about building high-trust relationships.
We are
ACCOUNTABLE
We own outcomes-holding ourselves and each other to the highest standards of performance, integrity, and execution.
We are
RESULTS-DRIVEN
We deliver measurable outcomes that drive value for all.
We are
EXCELLENT
We strive for excellence in everything we do-balancing short-term performance with long-term stewardship.
Leadership Team
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Tony Wanderon
Chairman & CEO
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Courtney Hoffman
President
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John Lee
Chief Risk Officer
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Walter Hoffman
Chief Financial Officer
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Kumar Kathinokkula
Chief Technology Officer
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Christina Schrank
Chief Operating Officer
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Erika Ahern Curran
Chief Legal Officer
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David DeCredico
Chief Experience Officer
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Mark Cortez
Chief Revenue Officer
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Rico Carroccio
Chief of Staff
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Jennifer Haddow
SVP, Marketing
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Brian Becker
SVP, Consumer Indirect
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Yahaira Calero
VP, Human Resources
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Natalie Phillips
VP, Financial Channel Sales
Tony Wanderon
Chairman & CEO
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 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.
COURTNEY HOFFMAN
President
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. She was promoted to President & Chief Revenue Officer in 2024. Courtney also guides 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.
John Lee
Chief Risk Officer
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 Chief Operating Officer in 2024 after having served in various positions. Prior to joining APCO, John was a Claims Manager at General Group International and Maryland Casualty Company.
WALTER HOFFMAN
Chief Financial Officer
Walter brings more than 15 years of experience in Finance and Mergers & Acquisitions. When he joined National Auto Care (NAC) in 2021, his main focus was supporting the M&A team, resulting in 21 acquisitions. He then spearheaded the sale of NAC to APCO in January 2023. Since the merger, Walter has led the Finance department and most recently, the Compensation and Treasury teams. Prior to joining APCO, Walter was a Vice President within the investment banking division at Bank of America Merrill Lynch in New York. Walter holds an MBA from Duke University and a Bachelor of Arts from The University of Virginia.
KUMAR KATHINOKKULA
Chief Technology Officer
Kumar Kathinokkula joined APCO in 2024 to lead Information Technology, bringing over 30 years of experience in IT and product management with deep expertise in the automotive F&I industry. Kumar was the cofounder of the first SaaS-based F&I aftermarket sales and administration platform. After leading that company to a successful private equity funded exit, he has more recently launched AI and digital transformation technologies for the F&I industry. Kumar holds a Bachelor of Technology degree from Osmania University and a Masters in Environmental Engineering from Missouri University of Science and Technology.
CHRISTINA SCHRANK
Chief Operations 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.
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.
DAVID DECREDICO
Chief Experience Officer
David DeCredico joined APCO as its Vice President for Reinsurance Programs in 2004 after spending the early part of his career in Public Accounting. In 2007, in addition to managing EasyCare’s Dealer Reinsurance programs, he indirect sales channels, chemical sales, and services.
Mark Cortez
Chief Revenue Officer
Mark Cortez leads all direct dealer revenue streams for auto, RV, marine, and powersports—ensuring customer success, client retention, and revenue forecasting.
Jennifer Haddow
SVP, Marketing
Jennifer Haddow brings over 20 years of experience leading marketing strategy and execution, focusing on brand positioning, targeted demand generation, and sales enablement for the APCO Holdings family of brands. She joined APCO in 2015 as Director of Marketing, then Senior Director of Marketing Operations in 2019, and was promoted to Vice President of Marketing in 2023. Prior to joining APCO, Jennifer led creative services for a global medical technology company and held various marketing roles at mortgage services and lending technology companies. She holds a B.A. in Public Relations from the University of Georgia.
Brian Becker
SVP, Consumer Indirect
Brian Becker joined APCO in 2018 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 grew revenue nationally. He holds a Bachelor of Science in Marketing from Florida State University.
YAHAIRA CALERO
VP, Human Resources
Yahaira Calero is an empowering leader with nearly 20 years of experience in human resources, business operations, and customer service within the automotive industry. She joined APCO in 2022 as Director of HR Operations and was promoted to Vice President of Human Resources in 2023. In her current role, Yahaira supports APCO’s leaders with a unique perspective and appreciation that human capital is every organization’s most important asset. Before joining the APCO team, her roles included HR Relationship Manager and various operational roles at JM Family Enterprises. Yahaira received her MBA from Florida Atlantic University and her bachelor’s in criminal justice from John Jay College in New York City.
Rico Carroccio
Chief of Staff
Rico joined APCO in 2023 and currently serves as a strategic partner to the CEO and President—helping drive alignment, execution, and operational rigor across APCO Holdings. This role translates executive priorities into action, coordinates cross-functional initiatives, and ensures key projects move forward on time and with clarity.
Natalie Phillips
VP, Financial Channel Sales
Natalie Phillips is the Vice President of Sales at Frost, bringing more than 15 years of experience in the credit union industry. Her background spans both credit unions and their trade association, giving her a deep understanding of member needs, strategic growth, and relationship management. Natalie is known for building high-performing sales teams, strengthening pipelines, and driving sustainable revenue through disciplined strategy and execution.