Leadership Team

Manish Arora - Chief Technology Officer

Passion for building and transforming businesses with smart technologies at the core for new digital era has always inspired me to be on outlook for frontier technologies. EquiFi’s transformative approach to home ownership enablement that uniquely unites consumer and investor’s interests, envisioned with frictionless ecosystem built with blockchain and AI is my newest frontier in three decades long dedication to adaptive technology and business innovations. Previously as part of Keystone executive team, built a brand that stood for reliability and helped Retailers transform their D2C supply chain with extensive adoption of cutting-edge automation. In the process multiplied business, company valuation and navigated a fruitful acquisition. Prior to that I’ve architected leading digital solutions in Annuity, Insurance and Utility industries.

My education in Computer Science and Finance has always helped me segregate substance from hype in early days of emerging technologies. Now with EquiFi ecosystem I look forward to impacting home-ownership and structured financial markets alike. Outside the work I’m a family man with love for Music, Sports and History.

Bob Gionfriddo, Co-Founder, Executive Vice President

Community business banking and building operational businesses that create value for shareholders and investors are my passion and my strength. Throughout my over 40-year career, I have developed considerable experience in strategic planning & marketing, sales management & leadership, and business development. I have also specialized in relationship management and corporate partnerships, mostly in Silicon Valley.

Before co-founding EquiFi, I successfully raised over $100M for all the banking institutions I helped fund which were then and are currently publicly traded on the NASDAQ market.

My community banking career began as Executive Vice President and Director of Corporate Marketing for San Jose based Plaza Bank of Commerce. Prior to joining Focus Business Bank, I was Silicon Valley Regional President for Community Bank of the Bay, Director, Executive Vice President and President of Specialty Markets for Bridge Bank and Co-Founder, Vice Chairman and Executive Vice President of Heritage Bank of Commerce.

Laura (Scafa) Hill - Product

Achieving socio-economical improvement through financial innovation is my primary driver and interest.

I have a B.A. in International Economics and Management, and an MBA with concentration in Finance. I am also a certified Project Manager. About 10 years ago, I started out my career as an intern at the United Nations in New York, with the Peacekeeping Missions, Field of Budget and Finance.

After completing my graduate studies, I accepted a position as research fellow at the Inter-American Development Bank, in Washington, DC. The next opportunity led me to a consulting practice focused on consumer lending, at PwC. While learning the cycle and structure of traditional debt, I uncovered my passion for home financing options.

When I explored EquiFi and its equity sharing product, I saw an immense potential and I experienced a complete alignment of my skill-set and passion with the vision and foundation of the company. Enthusiastically, I joined at the very early stage. I believe homes cover a major role in our life and existing debt-based instruments do not properly meet the needs of many consumers in the market. EquiFi brings a solution to a very real challenge for prospective home buyers, as well as current homeowners.

Guille Reynoso - Origination

I have always been passionate about helping homeowners and home buyers achieve their goals in real estate. I have 30 years of mortgage origination experience in Silicon Valley, which has spanned many facets of this ever-changing  and fascinating industry. Because home is pivotal in everyone's life, I enjoy assisting consumers as they take their next step. 

When I began my career as a loan officer, I knew it was an immediate fit for me. I have also enjoyed positions in administration, including heading up the mortgage division of a real estate start-up company, leading teams of loan officers as a Branch Manager, and running the processing division for one of the early versions of what EquiFi is today.

Working with EquiFi has proven to be a creative and stimulating process. Because I see first-hand the challenges of homeownership with my clients, I am very excited about our non-debt-based home financing option. It revolutionizes how people can purchase and leverage their homes, and ultimately achieve their overall financial goals. The EFI™ changes the industry and expands the use of equity for our customers.

David Shapiro - Founder & CEO

My career spans four decades of experience as a serial entrepreneur, author, and industry thought leader. If I’m not building a solution to a complex problem, I’m most likely either turning around a company that has lost its way or writing about something that is near and dear to my life or my business interests.

I started my career building investment products that helped consumers create and manage wealth. I mostly consulted with large insurance and mutual fund companies that lacked an understanding of needs-based selling, i.e. putting the actual needs of the consumer first. Along the way, I wrote or co-wrote three books on wealth creation and management. My first large scale turnaround was North American Life, a massive 100-year-old insurance company that had been purchased by Harold Ganeen, the father of the multinational conglomerate. I followed that success by building and selling two financial services companies. I sold my first company, NFC Consulting to Safeco Corporation.

I sold my second company, Info-One, a broad and complex SAAS based research and transaction engine to Wachovia Bank (Wells Fargo). My crowning career achievements include working directly with Hal Ganeen and being honored when Ruth Ginsberg used passages from my book “Annuities” in a majority opinion issued by the Supreme Court in 1995.

Senior Advisors

Chris Anderson, CFA - Securitization and Insurance Regulatory

Extensive experience in all aspects of investing by insurers at Merrill Lynch and for over 10 years managing an independent consulting practice.

Steve Gresham - Wealth Advisor & Strategy

Former EVP, Head of Private Client Group at Fidelity. Thought leader in the wealth advisory channel and a contributor to Investment News and Financial Advisor.

Tom Streiff - Insured Products

Senior executive positions in Wealth Management, Asset Management, Investment Banking and Insurance/ Annuities. Well-versed in the areas of distribution for financial planners, registered investment advisers.

Tom Tognoli - Realtors & Real Estate

Life long real estate executive, co-founded and was CEO of INTERO, the largest real estate company in Silicon Valley. Sold INTERO to Berkshire Hathaway in 2014, currently a partner at 1Flourish Capital.

Katie Wade - Regulatory Affairs

Distinguished career as State Insurance Commissioner with extensive experience at a global insurer.

Ken Judkowitz - Insurance & Annuity

Extensive insurance and annuity experience including 18 years with AIG. Senior Director of Insurance Products at AARP.

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