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Senior Leadership Team

Gerald T. Bannach, CLU, FLMI, ARA - President and CEO

Gerald (Jerry) Bannach brings more than 25 years of group disability insurance and reinsurance experience to his position as President and CEO of Custom Disability Solutions. As President and CEO, Bannach leads a team of more than 140 employees, located in Maine, Connecticut and Minnesota, in the delivery of comprehensive customized reinsurance solutions. He is responsible for the development and implementation of CDS' business strategy and goals. Prior to joining CDS in 2006, Bannach served as Vice President, Disability Reinsurance at ING RE where he oversaw the P/L for ING RE's Group Disability Reinsurance line of business. Bannach held a number of positions of increased responsibility during his tenure at ING RE from 1998 to 2006. For 12 years previous, Bannach was employed for two years in Liberty Mutual's Minneapolis sales office, and for 10 years at Unum Provident where he held various positions in Unum's Rochester, NY; Portland, ME; and Minneapolis, MN offices. Bannach holds a BA from the State University of New York at Buffalo.

Paul Fields - Senior Vice President, Chief Finance Officer

With more than 30 years in reinsurance and finance, Paul Fields brings both his expertise and understanding of the industry to Custom Disability Solutions as Chief Finance Officer. Prior to joining CDS, Fields held a variety of financial positions including management of reinsurance and corporate financial reporting, contract development and administration and treaty negotiation with disability reinsurers including Unum , Duncanson & Holt and Integrated Disability Resources. As Chief Financial Officer at CDS, Fields is responsible for legal, contracts, compliance, pricing, valuation and accounting. Fields graduated from the University of Maine, Orono with a degree in Economics and Accounting.

Tony Michaud - Vice President, Claims and Client Support Services

Tony Michaud is responsible for leading our claim organization's strategic and operational activities as well as fostering strategic planning around our reinsurance clients' organic growth. Throughout his more than 23 years in the industry, Michaud has focused on creating customer-centric teams focused on understanding client needs, supporting specific growth initiatives and delivering exceptional service. Prior to joining CDS, Michaud served as Director, Account Management at UnumProvident from 2001 to 2004, where he led a team of eight Account Managers, who were responsible for servicing over 150 policies. While at UnumProvident, Michaud demonstrated his leadership ability and customer service skills as a Disability Benefit Specialist and then as a manager in Unum's Disability Claims Organization. Michaud holds a degree in Computer Science from Andover College.

Jennifer Simpson, SPHR, SHRM-SCP - Vice President, Operations

With over 17 years of disability insurance industry experience, Jennifer provides strong leadership to the Human Resources and Information Technology teams. Jennifer is responsible for the design and implementation of human resource strategies, policies and processes as well as modernizing the company's applications, architecture and infrastructure with a heavy emphasis on information security. Jennifer possesses outstanding leadership, team building and technical strengths that generate optimum productivity with performance excellence. Simpson held various positions with reinsurer Duncanson & Holt. Active in the community, she serves on the Human Resources Association Southern Maine (HRASM) board. Simpson is completing her Bachelor's degree in Business Administration from the University of Maine.

William Sproul - Vice President, Client Reporting

As Vice President of Client Reporting, William (Bill) Sproul is responsible for implementing Custom Disability Solutions' internal/external reporting systems. He has over 40 years of experience in the reinsurance industry, starting in 1975 with Union Mutual, Unum and then UnumProvident. Throughout his 40-year career, Sproul has held leadership roles in a number of departments including: Director, TPA Claims; Second Vice President, Sales and Underwriting; and Supervisor, Client Services. Sproul graduated from the University of Maine with a degree in Business Administration.

Scott Wiley - Vice President, Chief Actuary

With almost 30 years of experience working on both the direct and reinsurance side of disability actuarial operations, Scott brings his industry experience and expertise to CDS as Vice President and Chief Actuary. In this role, he is responsible for directing in actuarial staff charged with developing competitive and profitable disability products and actuarial analysis tools that meet the needs of our reinsurance customers. Prior to joining CDS in 2012, Scott worked for 14 years at Disability RMS as the Senior Pricing Actuary primarily responsible for LTD manual rate studies, competitive rate analysis, and product development. Before joining DRMS in 1998, he worked at Unum on both the direct and reinsurance side in a variety of disability roles including pricing, valuation, and financial reporting. Wiley graduated from the University of Maine, Orono with a degree in Finance.

Jennifer Agger - Director, Claim Operations

As Director of the Claims Operation, Jennifer is responsible for the administration of Short-Term and Long-Term Disability Claim Department and our Customer Service & Intake Centers. Jennifer has nearly 20 years experience in lines of Disability Insurance starting her industry career at Unum in Individual and Long Term Disability in their Psychiatric & Cardiac Units where she established excellent relationships with the National Accounts she managed. Agger transitioned to Custom Disability Solutions in 2001 and has held various leadership roles. She has worked with the Social Security Administration's Ticket to Work Program and held the Special Investigations Unit Coordinator position conducting investigations and served as a liaison with regulatory and law enforcement personnel.

Cynthia Bellefountaine - Director, Technical Services

Cynthia has over 38 years of disability experience across the individual, group and reinsurance industries. She is responsible for Training - Policy and Procedures and our Clinical and Vocational teams, and she leads the development of our Technical Support Center and outsourced partner network. Prior to joining CDS in 2002, Cynthia held a variety of positions in her 25-year career with Unum including Claims Examiner, Trainer of ID, Supervisor and Director for ID, Group LTD and Association claims. Cynthia worked at John Hewitt and Associates as a Claims Executive performing Claims Oversight, and Client Operational Assessments. Her tenure at CDS also includes roles of Project Manager and Manager of Quality Assurance, Appeals, Settlements, and Claims Teams.

Evan Flaherty - Director, Network Administration and Technology

Evan leads an IT team responsible for system projects and upgrades that strengthen and improve CDS' technology infrastructure. He has over 12 years experience in the technology field with prior roles as a contractor for both Salient Technologies and CDE Technologies, and he plays a key role in the ongoing development of CDS IT services that support our clients' technology needs. Evan graduated from the University of Vermont with a BA in Business / Management Information Systems.

Cheryl Littlefield - Director, Finance

Cheryl has worked in the reinsurance and financial accounting arenas for more than 25 years. She currently directs a staff of seven accounting and tax professionals and is responsible for all aspects of reinsurance accounting management. Cheryl has extensive knowledge of disability claim payment issuance, tax accounting, premium billing and accounting and financial reporting. Prior to joining CDS, she held similar financial management positions with disability reinsurers Duncanson & Holt and Integrated Disability Resources. Cheryl holds an HIAA designation and attended the University of New England.

Mark Murphy - Director, Compliance

Mark Murphy is Director of Compliance at CDS. He oversees CDS’ regulatory compliance, policy form filing, claim appeal, quality review/audit and legal functions. Mark began working in the disability compliance field in 1992, after several years teaching history and coaching at a pair of NJ independent secondary schools. He has been with the CDS organization since 1997. He holds several industry designations, including the FLMI, HIA, and AIRC, and has spoken on disability compliance topics at several national and regional meetings of the Association of Insurance Compliance Professionals (AICP). Originally from Pawtucket, RI, Mark is a graduate of Moses Brown School in Providence. He earned a B.A. in History at Trinity College in Hartford and an M.A. in History from the University of Connecticut.