At BF&M, we understand that responsible and effective governance is fundamental to maintaining trust and ensuring long-term sustainability. Our commitment to transparency, ethical decision-making and regulatory compliance is at the heart of our corporate culture. Our Board of Directors, Executive and Senior leaders utilise a robust governance framework to steer our organisation toward its strategic goals while upholding the highest standard of integrity.
Group Executive Committee
Abigail Clifford
Group President and Chief Executive Officer
Stephanie Hanson
EVP, Group Chief Operating Officer
Bruce Walker
EVP, Group Chief Financial Officer
Michelle Jackson
EVP, Group Head of Life, Health and Pensions
Caroline Mills-White
EVP, Group Head of P&C
Abigail Clifford
Group President and Chief Executive Officer
Stephanie Hanson
EVP, Group Chief Operating Officer
Bruce Walker
EVP, Group Chief Financial Officer
Michelle Jackson
EVP, Group Head of Life, Health and Pensions
Caroline Mills-White
EVP, Group Head of P&C
Senior Management Team
Stacy Ashby
Head of Internal Audit
Jennifer Brown
Head of Marketing and Communications
Jennifer Campbell
Chief Human Resources Officer
Jason Cook
Group Head of Business Operations
Marianne Hood
Chief Information Officer
Lisa Jackson
Group Head of Pensions
Lisa Lewis
Group Head of Client Experience
Caitlyne Lindo
Head of Operational Transformation
Matthew MacDonald
Head of Financial Reporting
Jai-Michael Phillips
Head of Life and Health
Matthew Radoux
Chief Actuary and Chief Risk Officer
Victoria Rankin
Group Head of P&C Reinsurance and Fronting
Larenzo Ratteray
Group Head of Consumer Solutions
Gemma Rochelle
Group General Counsel and Chief Compliance Officer
Penny Smith
Head of P&C Claims
Andrew Spencer
Head of Investments
Evelyn Tibbetts-Farrar
Group Head of Producer Solutions
Raana Warner
Head of Facilities and Office Management
Lin Zhou
Chief Accounting Officer
Stacy Ashby
Head of Internal Audit
Jennifer Brown
Head of Marketing and Communications
Jennifer Campbell
Chief Human Resources Officer
Jason Cook
Group Head of Business Operations
Marianne Hood
Chief Information Officer
Lisa Jackson
Group Head of Pensions
Lisa Lewis
Group Head of Client Experience
Caitlyne Lindo
Head of Operational Transformation
Matthew MacDonald
Head of Financial Reporting
Jai-Michael Phillips
Head of Life and Health
Matthew Radoux
Chief Actuary and Chief Risk Officer
Victoria Rankin
Group Head of P&C Reinsurance and Fronting
Larenzo Ratteray
Group Head of Consumer Solutions
Gemma Rochelle
Group General Counsel and Chief Compliance Officer
Penny Smith
Head of P&C Claims
Andrew Spencer
Head of Investments
Evelyn Tibbetts-Farrar
Group Head of Producer Solutions
Raana Warner
Head of Facilities and Office Management
Lin Zhou
Chief Accounting Officer
Board of Directors
L. Anthony Joaquin1
Group Chairman, Retired Managing Partner, Ernst & Young
Gordon J. Henderson1
Retired President and CEO, BMO Life Insurance Company
Conor O’Dea1
Retired Chairman / Director, Butterfield Bank (Cayman) Ltd.
Abigail Clifford
Group President and CEO, BF&M Limited
Andrew Lo2
President and CEO, Embark
Jennifer Reynolds1
CEO, Women Corporate Directors Foundation (WCD)
Nancy L. Gosling2
President and CEO, Gosling Brothers Limited
Paul C. J. Markey2
Retired Chairman, AON Bermuda
1 Finance, Compensation and Corporate Governance Committee 2 Audit, Compliance and Corporate Risk Management Committee
Board of Directors
L. Anthony Joaquin1
Group Chairman, Retired Managing Partner, Ernst & Young
Abigail Clifford
Group President and CEO, BF&M Limited
Nancy L. Gosling2
President and CEO, Gosling Brothers Limited
Gordon J. Henderson1
Retired President and CEO, BMO Life Insurance Company
Andrew Lo2
President and CEO, Embark
Paul C. J. Markey2
Retired Chairman, AON Bermuda
Conor O'Dea1
Retired Chairman / Director, Butterfield Bank (Cayman) Ltd.
Jennifer Reynolds1
CEO, Women Corporate Directors Foundation (WCD)
1 Finance, Compensation and Corporate Governance Committee 2 Audit, Compliance and Corporate Risk Management Committee
Corporate Structure
Directors and Officers
BF&M General Insurance Company Limited
Directors
- Nancy L. Gosling, B.Comm., C.G.A., LLD, Chairman
- Paul C. J. Markey, Deputy Chairman
- Abigail Clifford, B.A., M.Sc.
- Andrew Lo, BASc, P. Eng.
- Caroline Mills-White, M.Sc., FCIP
Officers
- Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
- Stephanie Hanson, LL.B. (Hons.), Executive Vice President, Group Chief Operating Officer
- Caroline Mills-White, M.Sc., FCIP, Executive Vice President, Group Head of Property & Casualty
- Larenzo Ratteray, CPCU, AIC, Group Head of Consumer Solutions, Property & Casualty
- Gemma Rochelle, LL.B. (Hons.), Group General Counsel and Chief Compliance Officer, and Corporate Secretary
BF&M Life Insurance Company Limited
Directors
- Gordon Henderson, B.A. (Hons.), LL.B., Chairman
- L. Anthony Joaquin, FCA, Deputy Chairman
- Abigail Clifford, B.A., M.Sc.
- Michelle Jackson
- Conor O’Dea, FCA
- Jennifer Reynolds, MBA, ICD.D
Officers
- Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
- Stephanie Hanson, LL.B. (Hons.), Executive Vice President, Group Chief Operating Officer
- Michelle Jackson, Executive Vice President, Group Head of Life, Health & Pensions
- Jody Power, CPA, CA, CFA, Head of IFRS-17–Life
- Gemma Rochelle, LL.B. (Hons.), Group General Counsel and Chief Compliance Officer, and Corporate Secretary
BF&M Investment Services Limited
Directors
- Abigail Clifford, B.A., M.Sc.
- Jennifer Reynolds, MBA, ICD.D
Officers
- Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
- Stephanie Hanson, LL.B. (Hons.), Executive Vice President, Group Chief Operating Officer
- Gemma Rochelle, LL.B. (Hons.), Group General Counsel and Chief Compliance Officer, and Corporate Secretary
- Andrew Spencer, CPA, CMA, MBA, CFA, FLMI, Head of Investments
Island Heritage Insurance Company, Ltd.
Directors
- Conor O’Dea, FCA, Chairman
- Abigail Clifford, B.A., M.Sc.
- Gordon Henderson, B.A. (Hons.), LL.B.
- Paul C. J. Markey
- Caroline Mills-White, M.Sc., FCIP
- Bruce Walker, CPA, CA
Officers
- Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
- Evelyn Tibbetts-Farrar, CPCU, ACII, Group Head of Producer Solutions, Property & Casualty
- Caroline Mills-White, M.Sc., FCIP, Executive Vice President, Group Head of Property & Casualty
- Barry Williams, Head of Compliance
- Conyers, Corporate Secretary
Island Heritage Retirement Trust Company Ltd.
Directors
- Conor O’Dea, FCA, Chairman
- Abigail Clifford, B.A., M.Sc.
- Michelle Jackson
Officers
- Michelle Jackson, Executive Vice President, Group Head of Life, Health & Pensions
- Conyers, Corporate Secretary