Aligned
Delta Dental of Michigan, Ohio, and Indiana came through 2022 steady and strong, destined to continue growing, diversifying and making an impact.
With the challenges we faced in 2022, we stayed true to our priorities: growth, innovation and engaging talented employees committed to our mission of improving oral health.
We were aligned.
Alignment at Delta Dental is all about leadership and employees giving their best and moving forward in lock step with our strategic plan, core values and mission.
It made a difference.
Whether growing service to low-income families through Medicaid partnerships, enhancing our benefit plans to be more supportive of people with disabilities, rewarding our providers for outstanding service, or giving back to the community through widespread company volunteering and corporate giving, Delta Dental monitored and moved in sync with Strategy, our strategic plan, and hit every one of our stretch goals.
Goran Jurkovic, President and CEO
Delta Dental of Michigan, Ohio, and Indiana
Growth is always an important goal for the company, and 2022 was a standout year.
We set commercial growth records in Ohio and Indiana and, overall, sales teams across all three states added 339,970 new subscribers and $199.3 million in new business revenue. And, once again, we realized a near perfect 99.2 percent renewal rate.
We began selling vision in all three states and our DeltaVision® partnership with VSP® Vision Care grew exponentially.
Trust in our processes is a key to our growth and progress as a company. Our Roosevelt claims processing and operations systems met the toughest global cybersecurity standards in 2022 to earn HITRUST® certification. That is the gold standard in the health care industry.
Success in our business allowed us to once again invest in our communities.
Our corporate giving focuses on building healthy, smart, vibrant communities for all. Our employees gave nearly $53,000 of their own money and 3,600 hours to charitable organizations, and we embarked on some new initiatives, including:
- Implementation of a value-based payment program to increase quality of oral health care for children and increase utilization with the Healthy Kids Dental program.
- A one-of-a-kind clinic to help adolescents struggling with addiction, especially opioid use disorder.
- Positive Exposure, a photoshoot showcasing people with disabilities in a positive light. The photos are tied to the Delta Dental Foundation’s launch of a national movement to ensure equity and access to oral health care for people with cognitive and physical disabilities.
- An expansive community health project with Michigan Humane connecting animal welfare to human physical and mental health.
Read more about the Delta Dental Foundation’s work in their 2022 Annual Report here.
We can be certain that no matter what we face, remaining in alignment with our mission and
faithful to Strategy will smooth the ride.
All about connection
Boots-on-the-ground strategies and strong relationships resulted in a near-perfect 99.2 percent renewal rate in 2022.
And several large groups, with more than 1,000 subscribers each, contributed to a record-setting year in Indiana and Ohio.
“The best way to promote our product has been, and will always be from my perspective, to get in front of the agent community and tell our story,” said Tony Robinson, executive vice president, chief marketing officer and chief relationship officer. “As things started getting back to normal after COVID, the sales and account management (SAAM) team was able to create opportunities to get in front of agents, where we have seen a huge uptick in small group sales.”
Well-positioned
Ohio remains a very competitive market in sales and account management—Delta Dental of Ohio may face a dozen strong competitors in any given day.
“There’s enormous opportunity, and our approach continues to be relationship-based. 2022 was an opportunity to get back in front of people after the virtual touchpoints in previous years,” said Mike Loeffler, director of sales and account management in our Cleveland office.
In Cincinnati, perception of Delta Dental of Ohio as primarily a large-market player is shifting. Thanks to that team’s new approaches to relationship building, a shift in the competitive landscape and revamped small group plan offerings, Delta Dental of Ohio has established itself as a small group carrier in the city.
Cincinnati hosted its first Delta Dental Consumer Advisory Committee meeting in 2022, which gave our customers a unique opportunity to connect and hear from Delta Dental of Michigan, Ohio, and Indiana leadership, and also to connect with others in their field.
“We were excited to host our very first CAC in the Cincinnati market,” said Tanya Wilmes, manager of sales and account management. “Our clients were grateful for the exposure to the Delta Dental leadership team and panel, as well as the opportunity to network with their peers.”
Client connection
Our small market business remained a strategic focus of our sales and account management team, and in 2022 we sold and implemented nearly 1,500 groups with fewer than 100 subscribers.
“There are a ton of agents around us who have built their careers on small groups, so we have a broad focus on engaging them,” said Dan Lovejoy, regional vice president of sales and account management. “We’re looking beyond the one-time engagements and focusing on events and engagements several times a year.”
Focused on the future
Government programs is poised for growth.
We currently administer Medicaid or Medicare Advantage dental benefits in 13 states; and in 2022, our focus was investing in foundational work that would best position us for growth in 2023 and beyond.
“Four years ago, we had a million enrolled lives—now we’re up to 3.2 million. We spent 2022 maturing our operational areas and conditioning our partners so we can come out of the year in a strong position to grow,” said Kush Shaqiri, vice president of government programs. “We’re in really good shape, and I expect the next two years to be pretty dynamic in terms of what we accomplish.”
- We invested time in building relationships with partners and prospects, and conditioning our member company brand. We launched a new website, gov.deltadentalmi.com, that shares our journey and passion for administering Medicaid dental benefits.
- Internally we created dedicated functions that would better allow our business to scale. Government programs became its own division—with customer service, reporting and more now under the same executive leadership. The team developed a 2023 project roadmap, with the challenge to think innovatively about our approach to growth and the member experience.
- We created a pipeline of new business opportunities in Ohio and Indiana by building a new Medicaid provider dental network, and are heading into 2023 positioned for growth in those states.
Seeing the difference
The first full year of selling vision benefits is behind us, and the future looks bright.
Our DeltaVision® partnership with VSP® Vision Care, which provides vision benefits to customers and prospects in Michigan, Ohio and Indiana, continued with sales success in 2022.
Over the course of the year, the sales and account management team increased their vision book of business from 40 new groups to 400 (a 900 percent increase) and from 1,100 subscribers to 9,000 (a 718 percent increase).
These figures confirm entering the market was a smart decision—a move that Tony Robinson, executive vice president, chief marketing officer and chief relationship officer, said was intended to diversify our product offerings and assist sales in securing the small group dental market.
“Getting into the vision space gave us another avenue to service our agents and customers while creating another revenue stream,” he said. “By adding a vision product, the sales and account management team could offer the same high level of service for multiple products, giving us the ability to compete with multiline carriers.”
We sold vision plans to groups with two or more employees, offering a variety of copayment options, allowances and frequencies to fit their needs in one convenient and affordable package.
And because both dentists and optometrists are trained to detect early signs of many health conditions, this partnership supports our members in taking care of their overall health, ensuring they have reliable care from one brand they trust.
Incentives increase care
Dr. Michelle Kohler knows a little appreciation can go a long way.
Our director of quality improvement and population health management and her team wrapped up the year ensuring bonus checks were en route to dentists who served vulnerable children in their communities this past year.
In 2022, Kohler and her team worked at the request of the Michigan Department of Health and Human Services to implement a value-based payment (VBP) program to increase utilization of the Healthy Kids Dental (HKD) benefit. We chose to focus on Wayne, Oakland and Macomb counties because of the sizable number of HKD members in the area.
As part of the VBP initiative, our goal was to increase access to care in that region by at least 1 percent. Over 12 months, utilization of the benefit went up 4.9 percent and paid out $1.37 million in bonuses to dentists in the three-county area. More than 1,000 dentists in southeast Michigan participated, bringing home checks ranging from $25 to $84,000.
Most importantly, more than 196,000 children received essential oral health care—a noteworthy achievement since, according to the Centers for Disease Control and Prevention, tooth decay is one of the most common chronic diseases in childhood.
Value-based care programs maintain high-quality patient care and improve health outcomes. Moreover, Kohler emphasized the intent of these programs is to reward providers for quality and timely preventive services that decrease the need for expensive treatments down the road.
“It was an important project for us. The timing was important because the dental profession has struggled with Covid. There were retirements and some practices did not reopen,” Kohler said. “This project was a great way to encourage providers to get back on track and reward them for their work seeing this underserved population.”
An elite security certification
Highest security level unlocked. Our Roosevelt claims processing and operations systems met the toughest global standards in 2022 to earn HITRUST® certification.
HITRUST is becoming the new standard for health care payers. It certifies that the processes and systems a health insurer or health care provider has in place to submit, receive and process enrollment and claims data are secure and protects individuals’ PHI. This attestation is benchmarked against a recognized controls framework specifically designed to fully address the letter and spirit of HIPAA, which lends our cybersecurity program both credibility and prestige.
“The HITRUST certification is an amazing organizational achievement and is yet another key indicator that Delta Dental is committed to maintaining a robust cybersecurity program, focused on protecting the sensitive data entrusted to us,” said Andy Woodard, vice president and chief information security officer. “I’m extremely appreciative of all the efforts from various teams, including my information security team, corporate audit and advisory services, the infrastructure team and the privacy office, among many others!”
The Roosevelt platform achieved r2 (risk-based, two-year) certification, joining an elite group of organizations worldwide to have earned this certification.
“We take great pride in serving our millions of members, and this HITRUST certification validates the commitments we make,” said Tony Robinson, executive vice president, chief marketing officer and chief relationship officer. “Achieving the certification was a rigorous process, and we’re proud to have earned this third-party recognition that we meet the highest security standards for our customers.”
Forty years in Indiana
Delta Dental of Indiana turned 40 in 2022 and celebrated its mission of improving the oral health of all Hoosiers.
“We owe our success over the past 40 years to our customers, brokers and agents, dentists, members and employees,” said President and CEO Goran Jurkovic. “Delta Dental of Indiana has seen tremendous growth in the last few years, and I’m excited to see even more growth and success in the years to come.”
Delta Dental of Indiana is the youngster in our trio of companies. Delta Dental of Michigan turned 65 in 2022, and Delta Dental of Ohio turned 62.
Examining bias and inclusion
A trio of educational opportunities in 2022 helped employees increase their understanding of unconscious bias and the importance of inclusion.
First up, human behavior expert Dr. Steve Robbins spoke to managers about inclusive leadership.
It was the first in-person manager session in years, following the pandemic, amplifying the new Manager Experience program that human resources launched to provide manager training and support.
Inclusion and unconscious bias are big topics that can require a multilayered approach to understand. This work and the interruption of unconscious bias is important internally among staff and externally as we serve our customers.
Robbins’ session looked at inclusion as the first step in having a caring culture, how feeling like an outsider affects your work and the neuroscience behind biases.
“We heard from managers that this session was foundational and helped explain why inclusion is so important to how we do work,” said Susan Gisholt, manager of talent strategies. “Managers also talked about how fantastic it was to connect with their peers in person.”
Following the Robbins presentation was an unconscious bias course for employees and interns via our online learning platform, offering tips for disrupting harmful bias that could be detrimental to an inclusive workplace.
The third leg of our trio of sessions on inclusion and unconscious bias featured a Lunch and Learn session with Dorinda Carter Andrews, professor of race, culture and equity at Michigan State University, as part of Delta Dental’s Think, Teach, Thrive (T3) learning and growth program for all staff.
2022 employee volunteering and giving:
Company-sponsored volunteer events
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%
Employee giving/volunteering participation
Connecting with our community:
Delta Dental builds healthy, smart, vibrant communities for all, and along the way connects our employees with the nonprofit organizations that we serve.
In 2022, we built on the momentum that started with a return to in-person volunteering in 2021, after taking a break during the pandemic.
April Volunteer Month started strong as we worked to prepare STEM kits at the Impression 5 Science Center in Lansing, Michigan. We assembled nearly 6,000 STEM kits for local Head Start students throughout the year. The kits contained hands-on educational materials focused on oral health, science, math and more.
Our efforts continued as we collaborated with Fleece and Thank You, a nonprofit that provides comfort, hope and healing in the form of fleece blankets to hospitalized children. We exceeded our goal by 137 percent and completed 550 fleece blankets by the end of 2022.
We hit the bleachers to cheer on teams comprised of players with and without intellectual disabilities during the 2022 Special Olympics Unified Cup. About 300 soccer players from 20 nations gathered in Detroit, Michigan, for the international competition modeled after the FIFA World Cup.
“The event did not just promote diversity, it also promoted inclusivity by allowing all people involved to learn and grow from each other,” said Ellexus Montoya, customer service specialist. “And that was something I wanted to be a part of. I’ve decided to proactively expand my understanding of people from different backgrounds and marginalized communities.”
While this work hit home for many, our efforts also positively impacted our international community.
When Ukraine was invaded, and the conflict intensified, more than 2 million people fled to neighboring countries, and even more were displaced within the country. We knew we had to step in somehow. We raised more than $11,000 to support the International Committee of the Red Cross (IRCR), which aided at-risk families by providing food, medical supplies and evacuation assistance.
Healthy pets, healthier communities
Countless studies have shown that pet ownership increases fitness levels, relieves stress, lowers blood pressure and cholesterol levels, and boosts overall happiness and well-being.
If that’s not enough, Delta Dental has even discovered that helping families care for their animals opens the door for oral and overall health conversations and services.
“Many people are more likely to seek care for their pets than they are for themselves,” said Jen Anderson, senior communications officer with the Delta Dental Foundation (DDF). “So why not get people into the dentist’s chair while their furry friends see the vet?”
Delta Dental and the DDF have partnered with Michigan Humane for three years to bring mobile dental services to families in Detroit at an event called OneHealth. The festive daylong event features free animal vaccinations, checkups, a pet food pantry and other resources.
The volume of participation in OneHealth, the power of the research, the popularity of animal welfare volunteer opportunities among Delta Dental staff and the promise of healthier communities compelled the company to do more.
In 2022, Delta Dental became the presenting sponsor of Michigan Humane’s Healthy Communities initiative. It is part of their Humane Communities project, which also includes Safe Neighborhoods and Thriving Workforce programs.
“A humane community is where the human and the humane meet,” said Matt Pepper, CEO of Michigan Humane, the rebranded Michigan Humane Society. “Pets are key to creating compassion and love in the communities we serve.”
Healthy Communities focuses on three areas:
- Promoting pet ownership and providing vital resources to keep pets in their homes and ensure that everyone can benefit from pet ownership.
- Creating pet-friendly public spaces to encourage healthy activities and social interaction.
- Providing 100 percent of pet owners access to vet care and health and human service organizations to meet their whole family’s needs.
A study conducted by the American Animal Hospital Association (AAHA) found that more than 90 percent of the pet owners surveyed indicated their awareness of the health benefits of owning a pet and acknowledged it clearly affected the quality of their daily lives.
Project increases understanding
“I wish that they knew that she understands everything that’s going on around her, even though she’s non-speaking. She listens, she’s really smart.”
That’s what Samantha Leffman, the parent of a child living with bilateral perisylvian polymicrogyria, wants oral health providers to understand when they meet her daughter. She knows that while her daughter’s needs may be different than what most dentists are used to seeing, they’re not “special.”
However, oral health care is often cited as the number one unmet health care need for people with disabilities—especially those with intellectual or developmental disabilities. The “why” is a complex mix of stigma, misconceptions, a lack of culturally competent training, poor reimbursement models and a need for expanded dental benefits.
The Delta Dental Foundation (DDF) aims to change that.
“We wanted to emphasize that people with disabilities matter,” said Holli Seabury, EdD, executive director of the DDF. “They’re friends, neighbors and loved ones, and they deserve a healthy smile just as much as the next person.”
For some of the participants, these images were the first family photos they’d ever had taken, and they were excited to share their stories—with the DDF and with a crew of videographers there to record them.
The photoshoot was only the beginning.
In 2023, select images will be printed and displayed at two galleries in 2023: one at Delta Dental of Michigan and one at Heritage Hall in Lansing, Michigan, where legislators will have the opportunity to learn more about the oral health disparities faced by people with disabilities.
For many able-bodied, neurotypical people, it’s easy to practice good oral hygiene by brushing twice a day, flossing and regularly visiting a dentist. However, those same hygiene habits can become mountains to overcome for some people with disabilities, whether because of sensory preferences, a lack of fine-motor control, extreme anxiety, an inability to open one’s mouth or any number of other challenges.
These obstacles to daily oral hygiene make regular visits to the dentist extra important.
Enter a collaboration with Positive Exposure, founded by award-winning photographer Rick Guidotti.
“I was a fashion photographer just tired of being told who was beautiful,” Guidotti said. “So, I founded Positive Exposure 25 years ago to create opportunities to celebrate the beauty and richness of human diversity.”
With Guidotti behind the camera, the DDF invited Michiganders with disabilities, like Leffman and her daughter, to participate in a free, two-day photoshoot at Delta Dental of Michigan. The goal? Create the kind of images that promotes inclusion in dental settings and helps lay the groundwork for future advocacy and education efforts.
Attendees will also be invited to take an electronic pledge to support oral health equity for people with disabilities. “Signing” the pledge will enroll them in a grassroots advocacy network where they’ll receive occasional emails with educational resources, actions to take and more.
“There’s no single solution when it comes to ensuring people with disabilities have access to high-quality dental care that meets their comfort level and abilities,” Seabury said. “But we’re committed to advocating for oral health excellence and equity for those who need it most.”
To learn more about how the DDF is tackling oral health equity for people with disabilities, visit https://www.deltadental.foundation/disabilities.
Supporting recovery
More than 600,000 people in the United States and Canada have died from opioids overdoses since 1999, and that number will climb to 1.2 million by the end of the decade without effective intervention, according to a 2022 report by the Stanford-Lancet Commission on the North American Opioid Crisis.
The good news is that recovery is not only possible, but also it is the norm for people who get help.
That’s why Delta Dental was a founding supporter of the Adolescent Addiction Recovery Center (AARC) at Children’s Hospital in Troy, Michigan. Research shows that 90 percent of the people with substance use disorder started using in adolescence.
“Delta Dental’s willingness to be one of the first investors in this unique, and much needed resource shows how committed they are to the youth in southeastern Michigan,” said Chris Perry, Executive Director of the Jamie Daniels Foundation, a foundation dedicated to supporting those with substance use disorder (SUD) and eliminating the stigma of those of who struggle with it.
The Adolescent Addiction Recovery Center (AARC) is a new, outpatient-based clinic focused solely on young people dealing with substance abuse and the associated mental health challenges–whether they have insurance or not.
Dr. Matthew Lacasse
Dr. Matt LaCasse, a psychiatrist who is among a handful of doctors who specializes in both child and adolescent psychiatry, as well as addiction psychiatry, serves as the director of the clinic which opened in October.
“The contributions of Delta Dental to the AARC are going directly to saving lives,” said LaCasse, adding that his team is treating many patients who are abusing the highly addictive synthetic opioid fentanyl.
Dr. LaCasse and his staff provide comprehensive, outpatient therapy-focused substance use disorder treatment programs for those under the age of 18. Services include outpatient detox, long-term treatment for SUDs, and treatment for comorbid psychiatric disorders, with a specialization in treating severe cases of dangerous substance use including opioids, marijuana, cocaine, alcohol, nicotine and benzodiazepines.
“Substance use disorder, particularly opioid use disorder, and the trauma it inflicts on families has been a concern for Delta Dental for years,” said Margaret Trimer, vice president of strategic partnerships for Delta Dental of Michigan, Ohio, and Indiana. She sits on the board of The Jamie Daniels Foundation and has worked to ensure that dentists and Delta Dental members are fully informed about proper use of and disposal of opioids.
“We believe one solution is to support young people through addiction before it takes over their lives,” Trimer said.
Hope and healing:
Three out of four people who experience addiction eventually recover according to the Centers for Disease Control and the National Institute on Drug Abuse. Nearly 25 million Americans—about 9 percent—are in recovery.
Supporting the oral health workforce
Sometimes big opportunities start small.
When the Warren Arts and Education Foundation in Indianapolis applied for a Delta Dental Foundation (DDF) grant, the goal was to ensure students in the Walker Career Center Dental Program had the supplies they needed to learn and practice skills safely.
“We used to work on each other, but that’s been a little more difficult,” said Christinia Harris, dental health careers teacher, in reference to safety concerns due to the COVID-19 pandemic. “Now students are able to work on [dental] mannequins instead of each other. They can suction and practice a lot of other skills more safely in the classroom.”
The DDF grant funded the purchase of these dental mannequins.
As part of the Walker Career Center Dental Program, high school students explore careers in dentistry by learning about dental anatomy, terminology and hands-on procedures in a simulated dental office. By their senior year, work experience becomes a part of the program with a five-month internship. After that, students are equipped for an entry-level career in dental assisting.
The DDF sees job training programs like these as critical ways to address the workforce challenges many safety-net dental clinics are facing nationwide.
In Indiana, there are 115 dental health professional shortage areas where there just aren’t enough oral health professionals to meet the needs of the community. As a result, more than 1.2 million Hoosiers lack access to affordable dental care.
“There are plenty of oral health professionals, but they’re not necessarily practicing in the places we need them most,” said Holli Seabury, EdD, executive director of the DDF. “So how do we connect oral health professionals to those communities? Well, one way is to prove to the young people who live in and have ties to those places that a career in oral health is accessible and lucrative.”
Walker Career Center is helping to make that happen. During the grant period, 100 students received dental training through the program, and with an additional $35,000 grant from the DDF, 300 more students are expected to receive training in 2023.
Health Care Hero
When Crain’s Detroit Business asked for examples of health care heroism in action, stories arrived in spades. Delta Dental Foundation Executive Director Holli Seabury emerged from the crowd, and was selected as one of 13 leaders and doctors named “Health Care Heroes” and the winner of the “Corporate Achievement” award in 2022.
Judges selected honorees for their efforts to improve patient care, better their communities and save lives. Holli is leading the charge in advancing oral health equity and making care more accessible for people with disabilities.
Below is the Crain’s Detroit Business article recognizing Holli’s selection:
When Holli Seabury was in college, she dreamed of getting a job that would help her support her children. As a low-income mom, she said she wanted to work in the nonprofit world and help other low-income moms.
Seabury now holds a doctorate in curriculum and instruction specializing in educational technology and is running the Delta Dental Foundation. DDF partners with nonprofits in 15 states and Washington, D.C., to increase access to oral health care and related education.
Seabury’s most recent efforts include helping people with disabilities, especially those with intellectual disabilities, gain access to additional benefits through Delta Dental of Michigan, Ohio and Indiana.
“These patients often take longer (to care for), and dentists don’t feel they’re being adequately reimbursed for the time,” Seabury said. As a result, patients with disabilities often can’t get the appointments and care they need.
As the former CEO of Fort Wayne, Indiana-based McMillen Health, Seabury was aware of the problem. She discussed it with Delta Dental CEO Goran Jurkovic when she joined the foundation in 2019.
She told him, “Someone needs to be the first to make this change, so there’s a model for other companies who provide dental benefits also to make this change. And I’d like us to be the first to do this.”
Under her leadership, the foundation developed Delta Dental’s Special Health Care Needs Enhanced Benefits. Launched in January 2022, the enhanced benefits give dentists additional payments to provide care to people with disabilities.
“This isn’t done,” Seabury said. “This was a battle in the war. We continue to fight this … because there’s a huge need for education in the dental profession on how to treat patients with disabilities. So, we are working on that.”
Thee foundation has also committed more than $500,000 to develop Centers for Inclusive Dentistry, which would offer resources and immersive training so people with disabilities can receive high-quality dental treatment at designated federally qualified health centers.
In addition to enhanced benefits for people with disabilities, Seabury is looking at ways the foundation can tackle senior access to oral health care.
“This work very much continues,” she said. “There is no dental benefit in Medicare; so, when people retire, they often lose their dental benefits and can’t afford to see a dentist.”
Her team is also developing a new line of free resources for parents and caregivers; exploring a Medicaid carve-out to protect dental benefits for those with disabilities; offering provider training by funding a series of free online courses offered through Penn Dental Medicine; and providing additional education to help children with autism have better dental visits.
—Leslie D. Green, special to Crain’s Detroit Business
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2022 Board of Directors
Sara M. Dolan, CPA, MBA
Chair
East Lansing, Michigan
Melissa A. Stolicker
Vice chair
Haslett, Michigan
Steven M. Dater, DDS
Rockford, Michigan
Larry DeGroat, DDS
Bingham Farms, Michigan
Laura E. Dickerson
Farmington Hills, Michigan
Stephen A. Eklund, DDS, MHSA, DrPH
Ann Arbor, Michigan
Christopher T. Fisher
Kalamazoo, Michigan
Patrick K. Gillespie
Lansing, Michigan
Raymond F. Gist, DDS
Flint, Michigan
Andrew J. Kotarba
Lansing, Michigan
Blake G. Livingston, DDS
Highland Park, Michigan
Kelly J. Scheiderer, RHIA, MHA
Columbus, Ohio
Steven M. Tack
Detroit, Michigan
Sunčica Travan, DDS, MS
Ann Arbor, Michigan
Anthony O. Williams, JD
Detroit, Michigan
James R. Stahl, DDS
Chair
Bonita Springs, Florida
Frank Buzaki Jr.
Vice Chair
Akron, Ohio
Canise Y. Wright-Bean, DMD, MPH
Columbus, Ohio
Christopher T. Fisher
Kalamazoo, Michigan
Timothy E. Moffit, DBA
Kalamazoo, Michigan
Michael S. Stull, MBA
North Canton, Ohio
Poe A. Timmons, CPA
Columbus, Ohio
Carole S. Watkins
Grandview, Ohio
Goran M. Jurkovic, CPA, CGMA
Chair
President and Chief Executive Officer
Amy L. Basel, CPA, CGMA
Senior Vice President, Chief Financial Officer, Chief Risk Officer and Treasurer
Sue E. Jenkins
Senior Vice President, Chief Legal Officer, Chief Administrative Officer and Secretary
Jeremy J. Nelson
Vice President, Sales and Account Management