Governance

At BF&M, effective governance is the cornerstone of sustaining trust and driving long-term success. We are dedicated to fostering a culture of transparency, ethical leadership, and compliance with regulations. Our Board of Directors, along with our Executive and Senior leadership teams, leverage a comprehensive governance structure to guide the organisation toward its strategic vision while consistently upholding the highest principles of integrity.

Group Executive Committee

Abigail Clifford

Group President and Chief Executive Officer

Bruce Walker

Group Chief Financial Officer

Michelle Jackson

EVP, Group Head of Life, Health and Pensions

Caroline Mills-White

EVP, Group Head of Property and Casualty

Gemma Rochelle

EVP, Group General Counsel and Chief Compliance Officer

Abigail Clifford

Group President and Chief Executive 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 Property and Casualty

Gemma Rochelle

EVP, Group General Counsel and Chief Compliance Officer

Senior Management Team

Stacy Ashby

Head of Internal Audit

Jennifer Brown

Group Head of Marketing and Communications

Jennifer Campbell

Chief Human Resources Officer

Jason Cook

Group Head of Business Operations

Miguel DoCouto

Head of Pension Operations

Karysa Ebanks

Head of Talent Management

Marianne Hood

Chief Information Officer

Maureen Kennedy

Head of Pension Regulations

Lisa Lewis

Group Head of Client Experience

Caitlyne Lindo

Head of Benefits Management

Matthew MacDonald

Head of Financial Reporting

Daniel McMillan

Senior Legal Counsel

Jai-Michael Phillips

Head of Life and Health

Matthew Radoux

Chief Actuary and Chief Risks Officer

Victoria Rankin

Group Head of P&C Reinsurance and Fronting

Larenzo Ratteray

Group Head of Consumer Solutions

Michelle Smith

Head of HR Data and Insights

Penny Smith

Head of Property and Casualty Claims

Andrew Spencer

Head of Investments

Evelyn Tibbetts-Farrar

Group Head of Producer Solutions

Raana Warner

Head of Facilities and Office Management

Barry Williams

Head of Compliance

Lin Zhou

Chief Accounting Officer

Stacy Ashby

Head of Internal Audit

Jennifer Brown

Group Head of Marketing and Communications

Jennifer Campbell

Chief Human Resources Officer

Jason Cook

Group Head of Business Operations

Miguel DoCouto

Head of Pension Operations

Karysa Ebanks

Head of Talent Management

Marianne Hood

Chief Information Officer

Maureen Kennedy

Head of Pension Regulations

Lisa Lewis

Group Head of Client Experience

Caitlyne Lindo

Head of Benefits Management

Matthew MacDonald

Head of Financial Reporting

Daniel McMillan

Senior Legal Counsel

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

Michelle Smith

Head of HR Data and Insights

Penny Smith

Head of Property and Casualty Claims

Andrew Spencer

Head of Investments

Evelyn Tibbetts-Farrar

Group Head of Producer Solutions

Raana Warner

Head of Facilities and Office Management

Barry Williams

Head of Compliance

Lin Zhou

Chief Accounting Officer

Board of Directors

L. Anthony Joaquin1

Group Chair, BF&M Limited Retired Managing Partner, Ernst & Young

Gordon J. Henderson1

Retired President and CEO, BMO Life Insurance Company

Conor O’Dea1

Retired Chair / 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 Chair, AON Bermuda

1 Finance, Compensation and Corporate Governance Committee 2 Audit, Compliance and Corporate Risk Management Committee

Board of Directors

L. Anthony Joaquin1

Group Chair, BF&M Limited 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 Chair, AON Bermuda

Conor O'Dea1

Retired Chair / 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, Chair
  • Paul C. J. Markey, Deputy Chair
  • 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
  • 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.), Executive Vice President, Group General Counsel and Chief Compliance Officer, and Corporate Secretary

BF&M Life Insurance Company Limited

Directors

  • Gordon Henderson, B.A. (Hons.), LL.B., Chair
  • L. Anthony Joaquin, FCA, Deputy Chair
  • 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
  • Michelle Jackson, Executive Vice President, Group Head of Life, Health & Pensions
  • Gemma Rochelle, LL.B. (Hons.), Executive Vice President, Group General Counsel and Chief Compliance Officer, and Corporate Secretary

BF&M Investment Services Limited

Directors

  • Abigail Clifford, B.A., M.Sc.
  • Gemma Rochelle, LL.B. (Hons.)
  • Bruce Walker, CPA, CA
  • Jennifer Reynolds, MBA, ICD.D

Officers

  • Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
  • Gemma Rochelle, LL.B. (Hons.), Executive Vice President, Group General Counsel and Chief Compliance Officer, and Corporate Secretary
  • Andrew Spencer, CPA, CMA, MBA, CFA, FLMI, Head of Investments
  • Bruce Walker, CPA, CA, Executive Vice President, Chief Financial Officer

Island Heritage Insurance Company, Ltd.

Directors

  • Conor O’Dea, FCA, Chair
  • Abigail Clifford, B.A., M.Sc.
  • Gordon Henderson, B.A. (Hons.), LL.B.
  • Paul C. J. Markey
  • Caroline Mills-White, M.Sc., FCIP

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
  • Gemma Rochelle, LL.B. (Hons.), Executive Vice President, Group General Counsel and Chief Compliance Officer, and Corporate Secretary

Island Heritage Retirement Trust Company Ltd.

Directors

  • Conor O’Dea, FCA, Chair
  • Abigail Clifford, B.A., M.Sc.
  • Michelle Jackson

Officers

  • Michelle Jackson, Executive Vice President, Group Head of Life, Health & Pensions
  • Bruce Walker, CPA, CA, Executive Vice President, Chief Financial Officer
  • Barry Williams, Head of Compliance
  • Gemma Rochelle, LL.B. (Hons.), Executive Vice President, Group General Counsel and Chief Compliance Officer, and Corporate Secretary