Scott Gaffner, CRM, CIC
Chief Underwriting Officer
Chief Underwriting Officer
Lillian brings over a decade of experience in business banking and loan underwriting. Known for her strong credit acumen, advanced risk assessment skills, and ability to foster lasting client relationships, she consistently delivers outstanding results. At JPMorgan Chase, she managed a sizable loan portfolio and exceeded revenue and credit targets. She also played a key leadership role, mentoring colleagues and driving outcomes with analytical precision and strategic insight. Lillian is a past Chair of the Board of Fresno’s Leading Young Professionals and a graduate of the FBI Citizen’s Academy. She holds both a B.S. and an MBA from California State University, Fresno.
Kristina brings over 15 years of professional experience in data analytics and reporting, budgeting, compliance and governance, and project and program management, all aimed at enhancing client engagement and satisfaction. She has completed and holds the professional designation of Certified Safety Management Specialist (CSMS) program through the Safety Center of California, equipping her with the tools and best practices to develop and improve safety programs and foster a strong safety culture. Kristina earned a Bachelor of Science in Business Administration from Fresno State University.
Roxana is a seasoned finance and operations leader with a strong track record in enhancing customer experience, financial management, and project execution. She oversees key functions including accounting, financial reporting and analysis, reconciliations, budgeting, forecasting, accounts payable and receivable, and internal controls. With over a decade of experience in the banking sector, Roxana has held various customer-facing roles, notably in branch management, where she honed her skills in client relations and operational excellence. A bilingual professional, Roxana is an alumna of Fresno City College.
Lisa has an extensive background in business administration, finance, compliance, and insurance. Lisa began her professional career in the insurance industry before working in the education field for 22 years. Lisa served as Director of Business Operations and chair of the safety committee for a large private school. She had oversight responsibility for workers’ compensation contracts with a self-insured group and served on the SIGs Board of Trustees.
Zac has been at the helm of PATH’s corporate operations for over four years, expertly coordinating and integrating various components to ensure outstanding service for our clients. He plays a key role in underwriting prospective new members across our groups and provides vital support to our broker network. Zac holds a Property and Casualty Broker license from the California Department of Insurance. Prior to joining PATH, he gained valuable international experience in marketing and public relations, collaborating with top executives and business founders to create impactful brand messaging and targeted marketing strategies. Zac graduated summa cum laude from Santa Clara University with a B.S. in Economics and a B.S.C. in Finance.
Jon is a Senior Vice President and principal at The PATH Alliance, Inc., bringing extensive leadership experience from both the public and private sectors. He focuses on enhancing business value while fostering a culture of safety. His career includes pivotal roles such as Chief of the Office of Self-Insurance Plans (OSIP), Assistant Chief at Cal-OSHA, and a senior executive at the world’s largest third-party administrator. Additionally, Jon taught entrepreneurship, risk management, and insurance as an adjunct professor at Sierra College for fifteen years and served as President and Board Chairman of the National Safety Council’s California Safety Center.
Jerry is the founder and President of The PATH Alliance, a leading self-insurance group administrator and advisory firm focused on California self-insurance. With over 30 years of experience in the insurance industry, Jerry started his career as a claims adjuster with Fresno Unified School District in the 1980s. He has since held various managerial and executive roles with private employers, law firms, and national insurance carriers, specializing in property casualty and workers’ compensation. Jerry has successfully advised and assisted over 60 firms in achieving self-insured status in California.
As a Business Intelligence Analyst, Gabriela leverages her expertise in data management systems and information technology to drive data-driven decision-making and optimize operational efficiency. With a Bachelor’s degree in Business Administration, focusing on Information Systems, she brings a strong analytical background to her work. Her background includes collaborating with educational institutions, where she assisted in developing a data management system to streamline staff processes. Her passion for technology fuels a commitment to continuous learning, as she strives to implement innovative solutions that improve business processes. In addition to her professional pursuits, she enjoys exploring new technological advancements to stay at the forefront of industry trends.
Scott is a distinguished leader in the insurance and risk management field, boasting over 27 years of experience in the workers’ compensation industry. As the head of PATH’s underwriting department, he develops policies and guidelines that ensure high-quality candidates for group membership are approved and accurately priced. Currently, Scott serves as President of Comprehensive Risk Services and has previously held the position of President at US Specialty Underwriters. He earned his Bachelor’s degree in Insurance from Ferris State University and holds the professional designations of Certified Risk Manager (CRM) and Certified Insurance Counselor (CIC).
Dan has more than 40 years of experience as a California workers’ compensation attorney representing employers. He has served as a Judge Pro Tem with the Workers’ Compensation Appeals Board. Dan’s deep familiarity with the workers’ compensation system in California makes him a tremendous asset to PATH and the employers we serve. Dan also served as the President of the California Workers’ Compensation Defense Attorney Association.
Hal is the Director of Business Development for The PATH Alliance. His extensive background in sales, insurance, and business management has given him a unique perspective into the needs of employers as they navigate the world of workers compensation and self-insurance. Hal graduated Summa cum laude from American Intercontinental University with a Bachelor’s degree in Business Administration.