American Financial Services Association - Kristin Karwat
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Kristin Karwat

Women's Leadership Council

Kristin is the Chief Executive Officer for Gateway Financial Solutions. Her responsibilities include leading operations and strategic direction with full responsibility for bottom line factors, including long-range planning, financial product management, portfolio management, and employee development. Kristin obtained a BBA/Finance from Northwood University and has over 20+ years in the sub-prime industry. She began her career in automotive retail as a business manager selling finance products. She joined Gateway Financial Solutions in 2002 with a focus on growth strategies and market expansion as the Director of Originations. Kristin has had the pleasure of serving as CEO of Gateway Financial Solutions since 2007. In addition to AFSA, she is a member of the National Automotive Finance Association (NAF). Outside of the automotive industry, she serves several organizations with volunteer work within the local community, including Habitat for Humanity, Women in Leadership Saginaw, past Chairman of the Saginaw Arts and Enrichment Commission.

Kristin Karwat
Dec 06, 2019

Kristin is the Chief Executive Officer for Gateway Financial Solutions. Her responsibilities include leading operations and strategic direction with full responsibility for bottom line factors, including long-range planning, financial… Read the rest

Kathy Ruble
May 09, 2019

Area Vice President, Strategic Alliances, GWC Warranty


Kathy is the Executive Director, Auto Marketing and Dealer Communications at Ally. She is responsible for all aspects
of automotive marketing and advertising. Her team creates and
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Scarlett Smith
May 07, 2019

VP Sales, Auto, Consumer and Equipment Finance, FIS


Scarlett is a Vice President of Sales at FIS™, the world’s largest global provider dedicated to financial technology solutions. As a 30-year veteran of the firm, ScarlettRead the rest

Doriene Viera
May 07, 2019

Global Vice President, Business Development, Sword Apak, Inc.


Doriene joined Sword Apak in 2011 as VP of Operations. She brought significant industry experience and
knowledge from her previous positions at major captive auto finance companies.
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Marguerite Watanabe
May 02, 2019

President, Connections Insights


Marguerite has worked in the auto and automotive finance industry for 30 years allowing her to understand
its strengths, weaknesses and, most importantly, opportunities. She devotes much of her time in
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Elizabeth Webb
May 02, 2019

Chair Emeritus of Women's Leadership Council


Elizabeth was born and raised in San Antonio, Texas by deaf parents. She spent her entire career in the auto
finance industry and retired in November 2017. She was the Executive Vice President
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Valerie Tolhurst
May 02, 2019

Director, Human Resources Sun Loan/Brundage Management


Valerie is the Human Resources Director at Sun Loan Company/Brundage Management, reporting to the CEO.
She has been working in HR for 20 years with the last 16 at Brundage. Having started
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Sharon Mancero
Apr 29, 2019

Chief Executive Officer, Gateway Financial Solutions

Originally from Boston and Long Island, Sharon has lived and worked around the U.S., and now calls Des Moines, Iowa, home. A 26-year career at Wells Fargo in various commercial roles and… Read the rest

Darcy Locke
Apr 29, 2019

Chief Executive Officer, Gateway Financial Solutions

Darcy is a trusted advisor in Electronic Billing & Payments, specializing in the consumer lending markets. She has spent 15 years guiding organizations on how to elevate the… Read the rest

Anne Kurz
Apr 29, 2019

Chief Administrative Officer, Republic Finance, LLC

Anne joined Republic Finance in 1999. She spent the first year of her career in social work in 1978. She then moved to Louisiana National Bank, where she spent the next seventeen years. She… Read the rest

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