We Have Assembled Some of the Best Talent in the Industry
Martin & Company has assembled a team of professionals that are driven and passionate about our business. We go to great lengths to service and collaborate with our clients to achieve positive results and to solve their challenges.

Aliza McMillan
Senior Statistical Reporting Analyst
Aliza began her insurance career in 2017 specializing in Workers Compensation reporting. She has experience electronically and manually reporting to NCCI and all Independent Bureaus. In addition, she has prepared and taught multiple beginner and intermediate sessions on statistical reporting.
Aliza attended North Georgia College and State University where she received a Bachelor’s Degree of Science in Education. She resides in Georgia with her husband Micah and two daughters Lila and Ali.
Paul P. Martin
Founder & Chief Executive Officer
Paul founded Martin & Company in 1993 and currently oversees the day-to-day operations of all business segments of the company. Paul started his insurance career as a retail agent in 1990 and quickly recognized the lack of competitive information in the market. With just a few years of insurance background Paul decided to form his own company and launch a series of newsletters and reference guides that would change the way insurance professionals obtained reliable and competitive industry information. With the success of his newsletters, the launch of FilingsDirect.com and subscribers countrywide, Paul decided to turn Martin & Company into a full-service professional consulting firm. His goal was to build a boutique-like firm that was customer-centric and offered a compliment of professional services that would reshape the outsourcing model. Today, Martin & Company has more than 70 employees and is recognized as an industry leading consulting, advisory and data solutions firm. The company’s growth is contributed to an exceptional and talented staff, technology initiatives and a leadership team with vision. Paul is a member of various industry associations, and an occasional industry presenter and was recently appointed Board Member of the Targets Markets Program Administrators Association (TMPAA).
Paul wishes to thank the many friends and associates that has helped his company become such a well-respected and highly regarded consulting and advisory firm in the industry. Paul resides in Newtown Square, PA with his amazing wife Colleen and has three equally amazing daughters. He enjoys golfing, skiing and cycling and his company actively supports various charitable organizations.

Chris Sandoval
Senior Product Manager
Chris joined Martin & Company in 2024 to shepherd the company’s digital product development efforts. With more than 20 years of financial services experience in digital product management, innovation, user experience management, and experience design strategy, Chris believes meeting customer needs through thoughtful insights is the most sustainable way to drive business results.
Chris has been awarded ten patents by the USPTO for a variety of software and product innovations. He lives in San Antonio with his wife and their cats.

CJ Christie
Product Development Specialist
CJ has over 30 years of experience in various aspects of the insurance industry, in all 51 jurisdictions and all lines of business. She began her insurance career as a Licensed Property & Casualty Agent specializing in personal lines insurance products. CJ then transitioned to account management of various commercial property and casualty lines of business including, but not limited to, Professional Liability, Commercial Umbrella and Excess, Commercial General Liability, and Commercial Property.
CJ’s experience in compliance includes regulatory change management, operational compliance, product enhancement and expansion initiatives as well as state filings compliance. Her responsibilities here included monitoring and reporting on legislative and ISO changes, complaint and market conduct resolution, auditing of underwriting and claims records to identify non-compliance with regulatory requirements, drafting policy language, filing submissions and overcoming objections.
In her time off CJ enjoys traveling, kayaking, and being a volunteer dog walker for a nonprofit rescue animal shelter. CJ resides in Avon Lake, Ohio.

Shawn Wang
Consulting Actuary
Shawn joined Martin & Company in 2024 with over 9 years of experience in both pricing and reserving. He is a Fellow of the Casualty Actuarial Society.
Shawn’s prior experience includes personal and commercial auto as well as motorcycle, recreational vehicle and boat insurance. He has extensive experience with rate indications and filings including responses to state objections. He is also an expert in rating factor analysis and class plan changes. On the reserving side, Shawn is experienced in monthly reserve projections and annual updates of Schedule P and IEE.
Shawn has a Master’s degree in Actuarial Science from Temple University. He lives in Potomac, MD with his wife, two kids and two parakeets.

Ryan Diehl
Consulting Actuary
Ryan has 20 years of experience in the Property Casualty insurance industry. He is a Fellow of the Casualty Actuarial Society.
Ryan began his career in Personal Lines pricing before moving to Commercial Lines reserving at XL America. After that, he was a consultant with KPMG, working on a diverse list of clients and lines of business, with a focus on reserving and Actuarial Opinions. Prior to joining Martin & Company, Ryan was lead actuary at New Jersey Manufacturer, heading up pricing, reserving and predictive modeling functions.
Ryan has a bachelors degree from Lebanon Valley College, and currently resides in the Philadelphia suburbs. Ryan enjoys spending time with his wife, children and dogs.

Teresa Lam
Consulting Actuary
Teresa has over 27 years of experience in the Property & Casualty Insurance industry. She is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.
Prior to joining Martin & Company, Terea was a pricing actuary with Liberty Mutual Insurance Group. Teresa is an expert in all parts of the pricing process in the Workers Compensation line of business. She has extensive knowledge in rate indications, product design, filing approval and implementation in all rating plans from guaranteed cost, dividend, loss sensitive, large deductible, and excess over self-insured retention. For more than 10 years, she was on the Actuarial Committee and Individual Risk Working Group at the National Council on Compensation Insurance and many other Workers Compensation Independent Bureaus. Other lines of business and product experience includes Commercial General Liability, Commercial Auto and Commercial Multi-Peril.
Teresa currently resides in New Albany, Ohio with her husband. She has a PhD in statistics from Carnegie Mellon University, a Master in Business Administration and a Master in Science in Management Information Systems from Boston University, and a Bachelor of Arts in Mathematics from Oxford University in England.

Bridgett Pilkington
Senior State Filing & Compliance Analyst
Bridgett has 20 years of experience in the insurance industry in the Property & Casualty lines of business. She began her career at American National in Personal Lines Underwriting before moving onto Supervisor of Payment Processing, and then to Quality Assurance Analyst in Corporate Technology Services. In 2013 she moved into a Regulatory Compliance Analyst role where she gained over 10 years of experience making filings in SERFF, monitoring regulatory actions, and ensuring company compliance. Bridgett most recently served as Senior Regulatory Compliance Analyst at American National before joining Martin & Company in 2024.
Bridgett has a Bachelor of Science degree from Missouri State University where she studied Secondary Education in English. She currently resides in Clever, Missouri. In her spare time, Bridgett enjoys gardening, reading, and spending time with her husband and 3 kids.
Sonja A. Rodebaugh
Chief Product Officer
Sonja began her insurance career in 1985 on the Property and Casualty Underwriting side of the industry and transitioned into Compliance in 1992. Responsibilities throughout her career have included:
• establishing, developing and overseeing successful compliance and state filing departments;
• working closely with Insurers, Managing General Agents and Program Administrators to develop new/revised products;
• program & product development;
• state rate, rule and form filings;
• bureau circular monitoring;
• overseeing various licensing responsibilities;
• developing and implementing procedures and best practices;
• performing system and underwriting audits.
• Company Licensing / UCAA application.
In addition, Sonja has been very involved in coordinating the Compliance and Underwriting aspects of insurance requirements in various policy issuance and rating systems. She has been instrumental in developing new and innovative technology for tracking and monitoring rate, rule and form filings as well as Bureau Circulars. Experience across all Commercial lines of business including Businessowners, Cyber, Inland Marine / Non-Filed Inland Marine, Professional Lines, Property, Transportation and Workers Compensation.
Current member of Target Markets Program Administrators Association (TMPAA) and Association of Insurance Compliance Professionals (AICP). She was previously the President of the AICP Great Lakes Chapter. She has been a panel speaker at various Conferences including AICP, TMPAA, as well as a Speed-to-Market Seminar.

Michael Paliev
Senior Database Administrator
Martin & Company is thrilled to introduce Michael, our newest addition to the team, in 2024. With a master’s degree in computer science and 14 years of expertise in database administration, architecture, and development, Michael joins us from a prestigious enterprise where he played a pivotal role in driving success through collaborative efforts over the past decade.
Michael resides in Ashburn, Northern Virginia, with his cherished family. Beyond his professional pursuits, he shares our passion for exploration and craftsmanship, indulging in travel and automotive projects in his spare time.
As a customer-centric company, we are excited to welcome Michael’s wealth of experience and dedication to our team. His focus on delivering excellence aligns seamlessly with our commitment to providing tailored solutions and exceptional service to our clients. We look forward to Michael’s unique insights and contributions as we prioritize customer success and satisfaction at Martin & Company.

Todd Frazer
Assistant Data Analyst
Todd graduated from West Chester University with a Bachelor of Science Degree and is certified in Google Data Analytics. After schooling, he continued to live and work in the area with plans to start a family with his wife. In his free time, Todd enjoys powerlifting, video games, and breweries with friends.
Matthew Heilmann
VP, Director of Business Development
Matt has been responsible for the oversight and management of M&C’s Competitive Intelligence & Research Team in addition to furthering the company’s key Business Development and Technology initiatives. He has led a broad range of projects and has implemented process improvements that have helped M&C better serve their clients. His experience ranges across many Commercial and Personal lines of business including Professional, Med Mal, Cyber, CMP, Hospitality, Public Entity, Businessowners, Auto & Homeowners as well as Life, Accident & Health and various Digital and Insuretech startups. Matt became Director of Business Development in May 2019 with the focus on developing growth strategies, overseeing new marketing initiatives and establishing long-term business relationships with new and existing clients.
Matt holds a Bachelor of Business Administration in Marketing from Villanova University. During summers, he is an avid cyclist, competes in triathlons, golfs and during the winter months he enjoys snowboarding and skiing. Matt, his wife Lindsay, their son Wesley and daughters Brooke and Quinn reside just outside of Philadelphia in West Chester, PA.

Janine Johnson
Product Specialist
Janine has over 15 years of experience in P&C insurance, having worked with a wide variety of insurance products, both commercial and personal lines, in 52 jurisdictions. She has served in a variety of roles, including Product Analyst, Forms Analyst, Actuarial Support Analyst, Underwriting Training and Automation Specialist, Business Analyst, and Product Owner. She has 4 years of experience working with Guidewire Policy Center and Portal, as well as some exposure to Billing Center and Contact Manager. Her experience includes assisting with conversion of legacy systems to Guidewire Policy Center.
Janine has three Toy Australian Shepherds that keep her entertained at home. She also owns Percheron draft horses and Morgan horses, but rocks and gemstones are her real passion.

Chris Hackett
Insurance Product Development & Legal Analyst
Chris has over 20 years of experience in a variety of roles in the insurance industry. Prior to joining the team at Martin & Company, he worked as a product designer for a large commercial carrier. He drafted contract language to bring policy forms into compliance with state regulations. He also participated in projects involving discretionary product changes and rewrites. Chris also worked for a notable insurance trade association facilitating the development of public policy positions for advocacy at the state and federal levels. He began his career as a personal lines underwriter. Chris is an attorney, has a MBA, and holds the CPCU insurance designation. He resides in Naperville, Illinois with wife Melissa, and two daughters Nora and Molly. In his free time, he enjoys travel and time spent with family and friends.
Aaron Hickmann
Chief Technology Officer
Aaron joined Martin & Company in 2024 and oversees system development teams. He holds an MBA in Information Technology and a bachelor’s degree in business administration. He has led operational and technical teams in industries including financial services, e-commerce, non-profit, and software development. In his spare time, he travels domestically and internationally and enjoys following professional and college football.

Mark Dreyer
Product & State Filing Analyst
Mark has spent 9 years in the insurance industry as a Product Development Specialist. Primarily working in Homeowners/Personal Lines, he has experience filing Commercial Lines products, as well. His experience includes larger projects such as moving an entire line of business from one rating bureau’s program to another’s, to working closely with actuaries for in-depth deductible revisions, rate revisions, discount factor revisions, and numerous other multi and single variable filings in a multitude of states.
Mark has a degree in Public/Administration/Political Science from the University of Northern Iowa, his AINS designation, and has recently begun his CPCU designation course work.
He and his wife Whitney, a contract/travel nurse, live in Algona, Iowa with 3 of their six children in 7th, 10th, and 12th grade. Their older three “boys” are working to make their impact on the world.

Ally Schell
Assistant State Filing and Licensing Analyst
Ally began her insurance career at M&C playing a key role in supporting our OneView State Filing Management Solution platform. Noticing her organization skills and her ability to learn the business quickly, Ally pivoted to the State Filing Team assisting Senior Analysts with their state submissions. She is responsible for preparing and submitting various commercial lines rate, rule and form filings. Ally is also a key member of our Company Licensing team handling many aspects of Primary and Expansion Applications, as well as Corporate Amendments. She is very familiar with the UCAA application process.
Ally graduated from Cabrini University with a Business Management degree. She currently resides outside of Philadelphia, PA. In her free time, she volunteers coaching local softball teams and playing with her 2 dogs.

Trish Carey
Senior Product & State Filing Analyst
Trish began her insurance career in 2015 on the Property & Casualty side of the industry. While in the industry, she had gained experience working on Claims, and then shifted her focus on working on State Filings. Trish has completed filings in all states. She has experience with filing various P&C products, responding to objections and communicating with regulators.
Trish attained her Associates Degree in Hawaii Tokai International College and holds a Bachelor of Arts in Economics from Temple University. She resides in King of Prussia, PA with her husband, Nicholas and her two young daughters, Gwendolyn and Nicolette.

Steven Palumbo
Assistant Data Analyst
Steven graduated from Bloomsburg University of Pennsylvania in May of 2023, with a Bachelor of Applied Science in Technical Leadership. Steven currently resides in Downingtown, PA. In his free time, he enjoys working out, creating graphic design projects, taking trips, and hanging out with his friends.

Hannah Janney
Consulting Actuary
Hannah joined Martin & Company in 2023, bringing with her over twenty years of P&C ratemaking and rate filing experience in commercial lines (property, liability, auto, workers compensation, umbrella/excess) and personal lines (home, auto, umbrella), over fifteen years of experience in predictive modeling, and over five years of experience in reserving. Her work has spanned product types from reference to proprietary and sizes from small businessowners to large commercial package and monoline.
As Actuarial & Modeling Manager for Merchants Insurance Group, Hannah led development, rate filing, systems implementation, and post-launch monitoring efforts for new predictive model-based tiering and rating plans across all product lines. Her career mission has been to make predictive modeling accessible to the small/medium insurance organization or product. To this end, she has assembled a toolbox of “Small Data” methods that minimize data size requirements and implementation costs while maximizing lift.
Hannah has earned the CSPA (Certified Specialist in Predictive Analytics) designation from the Casualty Actuarial Society and a Master’s degree in Applied Statistics from Rochester Institute of Technology. She is currently pursuing the ACAS designation.
In her free time, Hannah enjoys hiking (or snowshoeing, depending on the season). She resides in Buffalo, NY.

Daiana Thompson
Life & Health – Senior Product & Compliance Consultant
Daiana has joined Martin & Company with over 30 years of experience in the insurance industry, having worked at leading major industry global insurance companies.
Daiana experience includes working with Comprehensive Medical, Life, AD&D, LTD, Vision, Dental, Travel and supplemental coverages in both group and individual markets, along with student health plans. Her work entailed drafting contracts and ensuring state compliance for all types of life and health products.
Daiana’s last position was at MetLife where she managed the Contract Development and Compliance unit which produced group coverage for expatriate and inpatriate employees. She also brings experience in state reporting, and legislative review.
Daiana resides in Claymont, DE with her husband and pets, and enjoys living the ocean life.

Christine Dennis
Senior Product & State Filing Analyst
Christine has over 40 years’ experience working in the insurance industry that includes work in Underwriting, Compliance and Product Development for companies, regulatory authorities and as an independent consultant. She has extensive experience with preparation and filing of forms and rule/rate manuals, specializing in many lines of business including Homeowners, Dwelling Fire, Mobile Homeowners, Umbrella and Commercial Residential.
Christine earned her Bachelor’s degree in English from Florida State University and campaigned for and was elected a Student Senator. She earned the designation of Certified Public Manager from Florida State University and the AAI and AINS designations from the Institutes. She was formerly a resident licensed agent in New York and Florida, with non-resident status in South Carolina and Louisiana.
Christine lives in Florida with her Schipperke, Maddie. She enjoys spending time with her Grandson, Bear, and travelling. In 2022, she took her second trip to Fiji. She is a breast cancer survivor.

Deanna Osmonson Khadem
Senior Product & Compliance Consultant
Deanna worked for the AIG organization for 35 years, serving in several senior compliance and leadership roles within AIG’s domestic life operations during her tenure. Her responsibilities included oversight of regulatory compliance, operational compliance, product compliance, advertising review, sales practices, and privacy practices. After leaving AIG, Deanna spent four years with the Texas Department of Insurance as Assistant Director of the Life & Health Lines Office.
Deanna has experience with all categories of life, health, and annuity products in both the individual and group markets, regulatory compliance, forms drafting, and resolving regulatory issues to achieve product approval.
Deanna attended Illinois State University and holds LOMA FLMI and AIRC designations. She lives near Austin, Texas with her husband, Kamran, and their two long-haired dachshunds, Max and Rosie.

Susan Myers
Senior State Filing & Compliance Analyst
Susan began her insurance career working for USAA in roles within the Claims, Sales, and Underwriting Departments. She worked in Personal Lines, and she had experience with all products in all fifty states. While working at USAA, she obtained the CPCU designation, Florida Agent’s license, and an MBA.
Susan worked for American Strategic Insurance, a Florida based property insurance company, where she was responsible for personal lines filings and some commercial and Umbrella filings. She handled rate and rule filings for the company’s state expansion project where she assisted with the company’s expansion into 47 states. She helped with compliance requirements, regulatory research, competitor research, and worked on projects in support of Product Management and Development. At Progressive, Susan was responsible for personal lines rate and rule filings in all fifty states and provided support for their Product Management, Legal and Underwriting Departments. Susan also helped with providing documentation for market conduct exams as well as with preparing products for programming.
Susan worked briefly for Aspen Insurance and was responsible for commercial filings in support of Product Development and Legal. During her time there, she worked on Professional Liability filings. Susan retired last year; however, she has returned to work part-time for Martin and Company and is responsible for form, rate and rule commercial filings for various clients.
Susan is originally from Cherry Hill, New Jersey and has lived in the Tampa Bay area since 1977. She holds a BA in Business Administration from USF in Tampa, Florida and an MBA from Regis University in Denver, CO. She loves living in Florida and is currently relocating to Ocala, Florida. In her free time, she enjoys spending time with her family and her cat, Tommy.

Kevin Cleary
Consulting Actuary
Kevin Cleary joined Martin & Company with over 28 years of pricing and reserving experience. Kevin’s experience covers Personal Auto, Commercial Auto, Homeowners, Commercial Property, Commercial General Liability, Workers Compensation, Professional Liability, Construction Defect and Asbestos/Environmental lines.
Kevin’s pricing experience includes developing new product offerings, territorial indications, creating GLM models, responding to DOI questions and attending rate hearings.
Kevin’s reserving background includes extensive SQL work, working with internal and external auditors to comply with SOX requirements and communicating results to senior management.
Kevin is the father of five children and lives in Naples Florida. He enjoys most sports including basketball, volleyball, pickleball and pool.

Doug Swearingen
Compliance Officer
Doug joins Martin & Company in a new role as Compliance Officer and has over 30 years of experience in the Property & Casualty side of the Insurance Industry. He began his insurance career as an Actuarial Analyst for the Ohio Department of Insurance by reviewing all rate filings submitted to the department.
During his career, he has been responsible for:
- Regulatory reviews of rate filings
- Working closely with multiple mid-sized, regional insurers as a Senior Consultant by submitting rate, rule, and form filings on their behalf
- Managing staffs of analysts in the implementation of rates and forms in Legacy systems
- Managing and developing compliance staffs in program implementations, state filings, and compliance research
Doug graduated from Ohio State University where he also played baseball. After graduating, he was drafted by the Seattle Mariners where he spent a little over three years in their minor league system.
He enjoys spending time with his wife, Rose, their four grown children and each of their spouses, and six grandchildren.

Melanie Hamm
Assistant Data Analyst
Melanie is an Assistant Data Analyst. She graduated from West Chester University in 2022 with a bachelor’s in finance and economics. While attending school, she worked as a property manager. Melanie resides in West Chester, PA just outside of Philadelphia. In her free time, she enjoys rock climbing, hiking, and cooking. In addition, she likes spending time with her family and two dogs, Lacey and Toby.

Nick Carey
Consulting Actuary
Nick began his insurance career in 2014 on the Property & Casualty side of the industry and spent eight years working for a carrier in a pricing role, focusing on Professional and Personal lines. He has extensive experience with composing actuarial support for rate and rule filings countrywide (incl. states like CA, FL, WA, MA), including responding to objections and researching competitor filings for support. He has also helped develop and introduce products (including development of rating plans) and has performed various actuarial analyses over the course of his career.
Nick holds a Bachelor of Science in Mathematics from the University at Buffalo and has the MAAA and ACAS actuarial designations. He, his wife Trish, and daughters Gwendolyn and Nicolette reside just outside of Philadelphia in King of Prussia, PA.

Greg Calhoun
Application Developer
Greg comes to us from the accounting industry where he developed internal automated solutions for the tax compliance team. Wanting to move into application development, he joined the Martin & Company team to update and maintain M&C’s web applications (FilingsDirect.com, OneView, and Bureau Monitoring ADVISOR). He primarily works alongside our competitive intelligence team to improve our clients’ user experience. Recently graduating from Temple University’s Information Science and Technology program, Greg brings a different perspective to M&C’s application development. Greg recently left Philadelphia and currently resides in Havertown, PA.

Michael Shay
Senior Systems Analyst
Mike has 25+ years’ experience in all phases of software development ranging from architecture, business analysis, solution design, application development, QA testing, deployments, integrations, and support. Mike is currently focusing on Quality Assurance of the company’s web sites as well as introducing development life cycle best practices. Also, Mike is one of our thought leaders regarding the company’s technology strategy and is always looking for ways to apply new technologies and methods so we can better serve our customers.
Mike’s technical background includes degrees in Chemistry (BS) and Computer Science (MS).
Mike resides in PA with his family. In his time off he enjoys playing golf and hiking in State parks.

John Alizzi
Business Analyst / Project Coordinator
John has worked directly with the Technology & Development Team. In addition, John helps maintain and update various web applications for Martin & Company such as our State Filings Management Solution – OneView, FilingsDirect.com, and MyCircularActivity (MCA).
John graduated from Cabrini University in 2017 where he studied Business Management and Finance. He currently resides in Havertown, PA. In his spare time, John enjoys playing basketball and golf, hanging out with friends and family, and watching sports.
Justin DeAngelis
Chief Financial Officer
Justin joined Martin & Company in 2023 and leads the Accounting & Finance function. Holding both a CPA & CMA designation, Justin has extensive experience in process improvement, technical accounting analysis and enterprise business planning in order to support both the employees and clients of Martin & Company. Justin is a graduate of Ursinus College in Collegeville, PA and enjoys attending Philadelphia sporting events, concerts, running, and playing basketball in his free time.

Diane Zaborowski
Senior Compliance & State Filings Analyst
Diane has over 25 years of experience in the insurance industry, previously working for Zurich North America in their Regulatory Services Department and American Association of Insurance Services (AAIS) in various departments including Forms Review, State Filings, and Inland Marine Product Development. In her most recent position at Zurich North America, Diane was responsible for preparing, submitting, and maintaining all commercial lines rate, rule and form filings. She went to Harper College taking courses for Business Administration. In addition, she took insurance classes from the Insurance School of Chicago to obtain the Associate in Insurance Services (AIS) designation. Diane has been an active member of the Association of Insurance Compliance Professionals (AICP), was the New Member Coordinator of the AICP Great Lakes Chapter from 2002-2009 and has attended a couple conferences. She has completed state filings in all 50 states for both personal and commercial lines of business. Experience with bureau circular monitoring for ISO Commercial General Liability, Professional Liability, and Interline as well as ISO based and proprietary products across many lines of business including Homeowners, Pet Insurance, Businessowners, Commercial Package, Commercial Auto, Commercial General Liability, Commercial Property, Crime, Umbrella/Excess, Inland Marine / Non-Filed Inland Marine, Professional Liability E&O and various other commercial lines.
Diane was born and raised in Schaumburg, Illinois. She has one grown daughter, Ashley and is a kitty parent to her domestic short hair, Simba.

Ramona Lee
Senior Associate Actuary
Ramona Lee joined Martin & Company with over 26 years regulatory experience. As a regulator in Iowa and Pennsylvania, she testified and presented to the legislature, the industry, and consumers regarding Medical Professional Liability, Workers’ Compensation, and Personal Lines insurance. She determined the security requirements for entities which are self-insured for Workers’ Compensation. She opined on property and casualty reserves, rate filings, new products, changes in the marketplace, and proposed law changes. Ramona is an Associate of the Casualty Actuarial Society, a member of the American Academy of Actuaries, and a Professional Risk Manager with the Professional Risk Managers’ International Association.
Ramona lives in Wallagrass, Maine. She is an avid supporter of animal rescue organizations and has an adopted greyhound and a rescued cat. On weekends she enjoys community activities and outdoor adventures with her family and friends.
Hannah Bauer
Marketing Director
Hannah joined Martin & Company in 2024 to lead the company’s marketing efforts. With more than 10 years of experience in branding, content and copywriting, product marketing, and lifecycle marketing, Hannah believes in mixing the art and science of marketing to drive business results.
Hannah lives in Colorado with her husband and their cats. When she’s not working, she can usually be found running on the trails.

Carrie Najarian
Life & Health Solutions Lead & Senior Actuarial Analyst
Carrie has been in the life and health insurance industry for over 20 years in the Actuarial, Operations, and Marketing divisions of two Fortune 500 companies. She started her actuarial career at Transamerica in Product and Risk Management where she provided financial analysis, model evaluation, marketing profitability, competitive intelligence, experience reporting, rate filings and rate increase support for life and health product development. At GE Financial Assurance, she supported Actuarial Financial Reporting and Product Development prior to transitioning to the Marketing department as a Channel Actuary for GEFA Direct. She provided financial expertise and analysis of key financial services products including annuities, life & health insurance, DBL, and club products to support direct marketing campaigns and negotiations. Carrie returned to Transamerica to support life and health Pricing and Product Development before becoming a Marketing Director for the Affinity Marketing Group. She developed the annual budgets, profitability reporting, financial opportunity evaluations, and recommendations to support marketing investment decisions. She later managed business decision support, financial reporting and analysis for both the Operations and Direct Marketing units. Carrie has built strong analytical, leadership, and communication skills throughout her career.
Carrie graduated summa cum laude from the Pennsylvania State University with a B.S. in Mathematics and Actuarial Science. She resides in Bucks County, Pennsylvania where she enjoys spending time with her family and has been recognized for her community involvement with the local elementary school, travel soccer club, and Boy Scout troop.
Juli Frank
VP, State Filings
Juli began her career in the insurance industry at NCMIC Group, Inc. in 2001, holding various positions within the compliance department with a focus on commercial property and casualty regulatory compliance. Juli has been responsible for medical malpractice and professional liability product development as well as preparing, submitting, and maintaining form, rate, and rule filings across all 50 states, the District of Columbia, Guam, Puerto Rico, and the Virgin Islands.
Juli has worked closely with senior management, underwriting, customer service, information systems, marketing, actuarial, and accounting through product development and implementation, system testing, review of marketing materials, regulatory research, and competitor comparisons. She also has experience organizing and assembling documentation for state insurance department financial and market conduct examinations and organizing and submitting rate history data and summaries for annual reinsurance renewals. Juli has prepared and submitted business entity filings and renewals and has been active in RPG registration and maintenance.
Juli holds a Bachelor of Science degree in Elementary Education from Iowa State University. Juli resides in Earlham, Iowa, with her husband Luke and their four children.
Raissa Schickel
AVP, U.S. Actuarial Practice Leader
Raissa has over 20 years of P&C industry experience and joined Martin & Company in 2012. Raissa’s pricing experience spans numerous lines of business and products including Homeowners, Property, Personal Auto, Commercial Auto, Inland Marine, General Liability, Package, Crime, Commercial Output Policy (COP), Businessowners (BOP), Professional Liability, Management Liability, Workers Compensation, Excess & Umbrella, Cyber, and Aircraft.
Prior to joining M&C, Raissa worked at Philadelphia Insurance Companies, AAA Mid-Atlantic, and Signature Consulting Solutions. She’s been involved with all parts of the rate filing process from product development, competitor analysis, and strategic planning with leadership to rate indications and DOI objections. Raissa also has experience developing unpaid claims estimates.
Raissa holds a Bachelor of Arts degree from the University of Notre Dame and a Master of Science degree (with Academic Distinction) in Actuarial Science from Temple University. She lives in Philadelphia and enjoys spending as much outdoor time as possible with her spouse and daughter and their family dog.

Julidden Smith
Insurance Licensing & Regulatory Specialist
Prior to joining the M&C team Julidden was a Corporate Compliance Analyst with State National Insurance Company (SNIC), an operating brand of the Markel Corporation, a Fortune 500 holding company. Julidden’s was responsible for all company licensing including handling UCAA amendments, primary applications, and expansion applications. She was also responsible for annual filings required by State Departments of Insurance, State Financial Divisions, and Secretary of State. Prior to her insurance career she has 15+ years banking experience with a background in operations and compliance.
Julidden holds a Bachelors degree in Business Administration/Management and an MBA from Florida Institute of Technology. Julidden resides in Mississippi with husband Dontay and 2 children. She enjoys spending time with family, home improvement projects, and traveling.

Lorna Williams
State Filing Analyst
Lorna began her career with 11 years at Reliance Insurance Company followed by 16 years with Global Indemnity Group. In her most recent position at Global Indemnity, Lorna was responsible for preparing, submitting, and maintaining all commercial lines rate, rule and form filings. Lorna’s state filing experience consisted of ISO based products, Automobile, Equine, Vacant Dwelling, General Liability, Crime, Fire & Allied Lines and various other related commercial lines. She was an active member of the Association of Insurance Compliance Professionals (AICP) and is proficient with the SERFF filing system. Lorna was born and raised in the Philadelphia area, truly enjoys volunteering at The Children Hospital of Philadelphia, and is actively involved with her church.

Larry Wilk
Product Compliance Analyst
Larry has over 40 years of experience in the insurance industry. He has held technical and supervisory/management positions in a career that includes three insurance companies, a trade association, state insurance department (Vermont), consulting firm, and a stint as a self-employed consultant.
Experience across many lines of business including Allied Health, Aviation, Cyber & Network Security, Professional / Medical Liability, Pet Health, Crime, Oil & Gas, Property, General Liability and Umbrella/Excess. Also involved with Life, Long Term Care and Credit Life and Disability filings.
His past duties also include company licensing and statistical reporting.
Larry is a member of the Association of Insurance Compliance Professionals (AICP) and has participated on various committees at the national and chapter level. He is also a past Treasurer of the Great Lakes Chapter.
Larry is a runner and completed the Chicago Marathon four times in the 1980’s. Currently, he runs mostly 5K and 10K’s. In the rest of his spare time, he enjoys vegetable gardening, reading, watching sports and spending time outside with the family cats Oatmeal and Calypso.
Arnie Rippener
AVP, U.S. Actuarial Practice Leader
Arnie has 30 years of experience in the insurance industry, having worked with Group Health as well as Property & Casualty lines of business. He is an Associate of the Casualty Actuarial Society.
Arnie began his career in pricing roles with Group Accident & Health products, after which he moved to the Property Casualty side of the business where he held Personal Lines pricing roles at CNA Insurance Company, Allstate as well as USAA. Immediately prior to joining Martin & Company, he was involved in reserving for various lines of P&C business, including Cyber & Data Security, General Liability, Excess Workers Compensation, Commercial Umbrella and Travel. Arnie also has experience with other lines of business which includes High Value HO, Personal Auto and various Specialty Lines, Commercial Auto, Commercial Property, Inland Marine Surety, Travel, AD&D, Equine and Workers’ Compensation.
Arnie has a Bachelor of Science degree from Northern Illinois University. He currently resides in Valparaiso IN, where he enjoys spending time with friends and family.

Rob Smith
Client Service Specialist
Rob works directly with Martin & Company’s Competitive Intelligence & Research Team. Additionally, he helps with the publishing of the PA Advisor, CA Advisor and Professional Liability Report. He also helps with updating many of M&C’s Rate Trackers.
Rob graduated from Saint Joseph’s University in 2016 with a Finance degree and currently resides outside of Philadelphia, PA.

Thomas Bedford
Actuarial Analyst
Tom spent the first five years of his career in the Property and Casualty Insurance Industry in both actuarial and technical analyst roles. During this time, Tom had the opportunity to work across various lines of business including Workers Compensation, Business Owners, and Commercial Auto. Additionally, he had the opportunity to complete actuarial work in both a reserving and pricing role as well as assist senior management as the firm grew through rate filings and training of new actuaries. Since joining Martin & Company, Tom has added Personal Auto, Commercial General Liability, and Commercial Property to his portfolio of work.
Tom currently resides in Forty Fort, Pennsylvania with his wife, Jess and dog, Parker. He holds a Bachelors of Science in Mathematics with minors in Statistics and Finance from Wilkes University. He is currently working towards obtaining an ACAS designation.
Stephanie Schingle
Director of Bureau & Statistical Reporting
Stephanie started her career in Insurance in 2013 in workers compensation. She enjoys the challenge of the state rules in regard to reporting data and building relationships with the bureaus. Her knowledge of workers compensation expands into all states (excluding monopolistic states) and includes reporting for single state, multi state and PEO policies.
Stephanie holds a Bachelor of Arts and Science in Dance from the University of Wyoming. In her time off she enjoys going to the theater, traveling, running, and hiking. Stephanie resides in Scottsbluff, Nebraska.
Stephanie Marlow
Director of Workers Compensation
Stephanie has over 13 years in P&C Insurance and is a Subject Matter Expert for the Workers’ Compensation line of business. Her experience includes identifying trends and opportunities for WC, creating manual rating worksheets, and assistance with the development WC underwriting guidelines. Some of her accomplishments include the implementation of a WC program in all voluntary jurisdictions, implementation of a WC large deductible program, and implementation of a WC territorial rating program.
She is a member of The American Society of Workers Comp Professionals (AMCOMP). Responsibilities have included: Form, Rate & Rule development and state filings, testing and training of system changes, statistical reporting, and researching system/product issues and finding resolutions.
Prior to her insurance career, Stephanie worked for manufacturing companies as their Safety and Environmental Manager. She helped develop and implement safety training manuals and programs, along with providing training to the employees. She was also responsible for any state/federal reporting of workers compensation claims and environmental reports. When she is not working, Stephanie enjoys taking her dog for walks, gardening and enjoying the outdoors.
Nicole Wample
U.S. Practice Leader & Senior Compliance & State Filings Analyst
Nicole began her insurance career in 2007 with AXA XL where she held a variety of positions, all within the Regulatory Compliance department. She handled various commercial property and casualty lines of business including, but not limited to, Professional Liability, Commercial Umbrella and Excess, Commercial General Liability, and Commercial Property. Nicole’s last position at AXA XL consisted of being a liaison between the various business units and the Regulatory Compliance department, preparing products and supporting documents for filing, and handling state objections. Previous roles she held involved making filings for bureau adoptions and proprietary products, as well as loading forms to the company’s form library.
Nicole also worked for MetLife as a Contract Development Analyst for Life, Accident, and Health products. Her responsibilities here included issuing policies, monitoring legislative changes, processing applications, addressing policy language, and filing submissions as needed.
Nicole resides in Newark, DE with her husband and two children. When she is not working, Nicole enjoys baking, gardening, and playing the piano.

Andrew Bell
IT Support Specialist
Andrew graduated from The Pennsylvania State University in December of 2020 with an Energy Business & Finance major. He currently resides in West Chester, PA with his wife and dog. In his spare time, Andrew enjoys golf, listening to music, and driving.

Katy Blomgren
Senior Associate Actuary
Katy has over 17 years of experience in the health insurance industry. Katy began her actuarial career at Wellmark Blue Cross Blue Shield in 2001 where she spent 5 years working on reserves, financial statements, forecasting, and individual and small group rate filings. She then transitioned into Large Group commercial business where she was responsible for managing the day-to-day actuarial accountabilities for the Large Group market including base rates, network and area pricing, stop loss pricing, and ensuring large groups were compliant with state and federal mandates. Katy then moved into the Associate Actuary role where she spent over 10 years consulting with account managers, product development, and senior level executives regarding group specific plan designs, employee contributions, and health and pharmacy product offerings using various models that she created to help these groups understand and mitigate trend within their employee populations. Katy also has experience with Work Comp filings, including Large Deductible, Retro and Dividend plans.
Katy is a 2003 graduate of Drake University in Des Moines, IA with a Bachelor’s degree in Actuarial Science and Accounting. She earned her ASA designation from the Society of Actuaries in 2012 and is working on her final exam needed to earn her FSA designation. She currently resides in Cumming, IA where she enjoys spending time with her husband James and their two children.
Debbie Boekmeyer
U.S. Practice Leader & Senior Product & State Filing Specialist
Debbie has over 30 years of experience in the insurance industry most recently with working with various Life Accident & Health insurance products, as well as Property & Casualty products.
Debbie has held positions as a Compliance Officer and Regulatory Officer performing internal audits, compliance and regulatory initiatives and drafting of Life Accident & Health policy forms, in addition to the preparation and submission of regulatory filings.
She began her insurance career working with Property and Casualty products and a Licensing Specialist assisting the company with the handling of agent licensing.
Debbie was also with the Chubb Group as a Product Design Specialist where she was responsible for product research, product analysis, planning and implementation of new product launches, and drafting group and individual policy forms.

Tim Kulp
Account Executive
Since joining the team as the company’s first Client Service Specialist, Tim has worked directly with M&C’s Competitive Intelligence & Research Team. In addition, Tim has helped update many of Martin & Company’s web applications including OneView, FilingsDirect.com, Medical Malpractice Rate Tracker, and Mortgage Rate Tracker. Tim Graduated from West Chester University with a Communications Studies degree. He currently resides outside of Philadelphia in West Chester, PA.

Jason Keen
Principal Engineer/Team Lead
Jason is our Team Lead/Principal Engineer. He joins Martin & Company with 15 years of experience in web application and software development. For the past 9 years, Jason has been building cutting edge analytic and population health management software for the Healthcare industry, playing an integral part of the development teams at a senior level for two of the largest players in the population health management technology space.
Jason has managed projects and teams and has been heavily involved in every aspect of the software development life cycle, while always striving to ultimately create a better end user experience by making an extra effort to have in depth understanding of the business needs and coming up with creative solutions to solve them. He specializes in the Microsoft .NET Platform and SQL Server, writing and managing both application and database code, as well as creating responsive fluid workflows and user interfaces.
After many years in healthcare, he has decided to make the transition to the insurance industry as he leads development efforts here at Martin & Company.
Jason graduated from Ranken Technical College in St. Louis, MO in 2003 with an Associate of Internet and Web Based Technology. Ranken’s hands on curriculum and placement program put him straight into the industry and he has been actively involved ever since.
Jason resides in St. Charles, MO with his wife and 3 children. In his free time Jason likes to be outdoors, and enjoys building and tinkering with things in general, as well as spending time with his kids. His hobbies are aerial cinematography, building and flying his drones, and competitive drone racing. In the winter months he looks forward to snowboarding vacations with his family.

Benjamin Haynes
Consulting Actuary
Ben began his actuarial career in 2008 at NCCI where he spent 4 years working on state loss cost and rate filings, legislative analysis, and various research projects for Workers’ Compensation. The next 8 and a half years were spent at XL Group (later XL Catlin and AXA XL), where he managed a small team of analysts supporting pricing model development for various commercial lines of business. His experience has given him knowledge of multiple lines of business, including Workers’ Compensation, Large Commercial Property, Aviation, Accident & Health, Excess Casualty, Marine, Environmental, Auto Liability, and General Liability. Ben is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.
Ben has a Bachelor of Science degree in Actuarial Science from the Statistics Department at Brigham Young University. He currently lives in Downingtown, Pennsylvania with his wife and three children. He enjoys spending time outdoors, playing games, and reading whenever he gets the chance.
Laura Lemke
Senior Compliance & Project Coordinator
Laura joined Martin & Company in 2021, as a Senior State Filing Analyst. Laura has over 30 years of experience in the insurance industry, most recently with W.R. Berkley Corporation, and prior to that with American Association of Insurance Services (AAIS) and GuideOne. She has experience preparing, submitting, and maintaining form, rate, and rule filings for both commercial and personal lines of business, as well as reviewing ISO, NCCI, AAIS and various independent bureau circulars. Laura also has a strong product development and compliance background and familiar with the UCAA application process for company licensing. Laura has taken various insurance courses, earning her ACP designation, and has been an active member of the Association of Insurance Compliance Professionals (AICP), including two terms as chapter secretary, and has attended many conferences.
Laura lives in Des Plaines, Illinois with her husband Rick. She has two grown children (Ricky and Kaitlynn) and a grandson (Jase).

Brian Elliott
Consulting Actuary
Brian is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries and has over 30 years of experience in the Property & Casualty Industry.
Brian has considerable experience with Workers Compensation, including pricing large deductibles, but his background also includes pricing and reserving for many other lines of business including Commercial Property, General Liability, Businessowners, Commercial Auto, Professional Liability, Homeowners and Personal Auto.
Brian has a Bachelor of Science degree in Mathematics from Iowa State University. He lives in Waukee, Iowa.

Brenda Eldridge
Senior Regulatory & Product Development Specialist
Brenda has over 40 years of experience in various aspects of the insurance industry, in all 50 states and all lines of business. Brenda joined Martin & Company in 2021, as a Regulatory and Product Development Analyst. Previously, Brenda worked as a Team Lead of Underwriting Operations, with duties including overseeing underwriting assistants in their day-to-day operations, and the Direct Billing System and email tracking systems, servings as the company trainer for all lines of insurance for internal and external personnel, creating training manuals, and handling Workers’ Compensation criticisms from all states. Before moving to operations, Brenda was a Senior Product Compliance Analyst in the Product Compliance department of Nova Casualty Company, a Division of Hanover Insurance Group, where she maintained all bureau products for all states and lines. She was also responsible for maintaining, reviewing, and assisting in the development of specialized products, including creating forms and proprietary manuals, rates, and handling all filings. Prior to that she worked as Staff Underwriter at Exchange Insurance Company where she filed and maintained the company’s insurance products.
Brenda began her insurance career in insurance learning how to manually rate all commercial property and casualty lines of business using the bureau manuals and worked her way up to gain valuable knowledge which she uses today.
Brenda resides in Williamsville, NY with her husband Tim. In her time off Brenda enjoys boating, spending time at her Florida home with her family and friends.

John Butel
Consulting Actuary
John has over 22 years of experience in the Property & Casualty Insurance industry. He is a Fellow of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.
Prior to joining Martin & Company, John was a pricing actuary with Nationwide Insurance. John has extensive experience in all parts of the rate review process, from rate indications and product design through filing approval and implementation. Lines of business and product experience includes Homeowners, Personal Auto, Telematics, Property and Commercial General Liability, Commercial Auto, General and Professional Liability, Equipment Breakdown, Pet Health and Accident.
John has a bachelor’s degree in mechanical engineering from Kansas State University. John is married, with two children. He lives in West Des Moines, Iowa.

Ashley Brewer
U.S. Project Coordinator and Senior State Filing Analyst
Ashley began her career at W.R. Berkley Corporation in 2014 as a Compliance Assistant, where she transitioned to the role of a Regulatory Consultant. Ashley was responsible for preparing, submitting, and maintaining rate, rule and form filings. She has experience with bureau circular monitoring, as well as ISO based and proprietary products across many lines of business including Commercial and Personal Auto, Commercial Property, Crime, Interline, Pet Insurance, Inland Marine/Non-Filed Inland Marine and various other commercial and personal lines. She went to College of DuPage, graduating with an Associates in Criminal Justice.
Ashley resides in Maple Park, Illinois with her husband Dylan, and in her time off, enjoys fishing, the outdoors and completing home improvement projects.