Our Company





Confident Financial Solutions (CFS) is based in Boulder, Colorado and was founded in partnership with automotive entrepreneurs and dealership owners. Our goal is to develop the highest quality financial solutions for automotive service centers and their customers.



Executive Team



Richard Counihan

Chief Executive Officer

Richard previously founded Enprecis, the leader in on-line vehicle quality measurement which operates in 12 countries and counts over 14 brands as customers. Before Enprecis, Richard was an executive at Who’s Calling, the market leader in call tracking with over 12,000 dealers as customers. He was part of the deal team that sold the company to private equity in 2006. Prior to Who’s Calling, Richard was an executive at Percepta, a joint-venture between Ford and Teletech to manage CRM activities across the globe. Richard graduated from University College London, is married with three children and lives in Mercer Island, Washington.




Tim Clay

Chief Revenue Officer

Tim Clay has more than twenty years experience in the automotive retail space and is a graduate of NADA Dealer Candidate Academy. Previously, he was COO and Co-Founder of ClickMotive, an automotive technology company. He has instrumented one successful automotive startup exit and one successful medical company exit.




Kevin Cawley

Chief Technology Officer

Kevin Cawley is the key factor in establishing CFS as an industry leader in technical efficiency and product usability. Originally from the Northeast, Kevin began his career as a Mechanical Engineer in Austin, TX. He soon discovered that his true passion was in software development and entrepreneurship. After moving to Boulder, CO and receiving his masters in Computer Science, Kevin went on to develop cutting edge technologies and applications for a number of successful startups from inception to sustainability and exit. In his free time, Kevin enjoys being active with his 4 kids. He's also likely to be found cycling while wearing a big smile and a colorful spandex suit on one of the many local mountain roads.




Edward Barry

Chief Financial Officer and Head of Risk

Ed comes to CFS with nearly 20 years of financial expertise. His background in management, accounting, audit, IT, financial modelling, and corporate analytics in the auto industry makes his skillset perfectly optimized for his position as CFO. Born and raised in Massachusetts, Ed escaped the humid summers and bitter winters by migrating to sunny Arizona for his BS and MBA degrees at ASU. Today he lives in Phoenix with his wife. On Sundays, Ed stays loyal to his roots by supporting the New England Patriots. He and his wife also travel to new cities frequently where they enjoy museums and local architecture.




Abel Arellano

VP Loan Servicing

Abel Arellano joined CFS in 2016 and brings over 15 years of loan servicing and leadership experience from the mortgage service industry. Prior to joining CFS, Abel served as Assistant Vice President and Site Director for national loan servicing firms out of Colorado and Texas. As a former college baseball player, Abel enjoys team sports and remains active in outdoor volleyball and softball leagues. When he’s not on a ball field, Abel loves spending time with his wife and daughter outdoors.