Women to Watch Volunteer Ambassadors represent the organization on a voluntary basis with the purpose of both raising awareness and funds for the work the Foundation undertakes. Regional Ambassadors play a vital role in representing the Foundation at local events and functions, speaking about our work and the importance of the funds our supporters raise. To expand our reach, the Foundation relies on Ambassadors to lean in to their network and to utilize social media to share the message of our work.
Crystal R. Brown leads the national underwriting platform for the nation’s largest physician-owned medical malpractice insurer.
Crystal has nearly 30 years of underwriting experience and most recently served as healthcare zone leader for CNA Insurance in Chicago. At CNA, she oversaw a team of underwriting professionals at 10 branch offices who focused on the healthcare segment, including community and specialty hospitals, academic medical facilities, allied healthcare, accountable care organizations, large medical and academic groups, skilled nursing homes, assisted living centers, independent living facilities, life plan communities, and life science companies.
She held several roles at CNA prior to that, including assistant vice president, underwriting director, and senior underwriter. She also previously worked as a healthcare specialist for Continental Insurance Company in New York before its merger with CNA.
She is a graduate of the Advanced Leadership Program at Kellogg School of Management at Northwestern University in Chicago. She earned a master’s in public administration (MPA) in Health Services Management from New York University and a bachelor’s degree in English from Amherst College in Amherst, Massachusetts. She is a member of the Professional Underwriting Society (PLUS), is a Business Insurance Women to Watch Foundation Ambassador, and serves on the Underwriting Committee for the Medical Professional Liability Association.
Crystal provides community outreach through her involvement with the following organizations: Business Insurance Women to Watch Foundation (Ambassador); Casa Nazaret (Volunteer in the Dominican Republic), Delta Sigma Theta Sorority, Inc. (Life Member); Girl Scouts of America (Troop Leader); Jack and Jill of America (WCCC Teen Advisor), Mariposa DR Foundation (Volunteer in the Dominican Republic), Oak Park & River Forest High School (Community Council member); and Project Esperanza (Volunteer in the Dominican Republic).
She is married to Damon S. Brown and is the mother of 16-year-old triplets.
Pam Humphrey is a Global Client Executive and Senior Vice President for Chubb Insurance Company, formerly ACE Group. With more than 40 years of insurance industry experience, Ms. Humphrey joined ACE Group in 1999 as Risk Management Branch Manager for the Houston office and was promoted to Senior Vice President and Regional Executive in 2007. While in that role, Ms. Humphrey was responsible for the regional production plan, distribution and product sales and marketing, producer management, staff management and general operations. Her vast industry experience includes handling a wide variety of casualty accounts, including focusing on the following: Service, Heavy Industrial, Energy and Construction. The Houston Region was consistently a strong performer for ACE while under her direction and was named Region of the year in 2007.
In 2013 Ms. Humphrey was appointed Global Client Executive for Chubb in where she is currently responsible for 22 major clients. She manages the Chubb relationship for her clients including developing strategies and facilitating account retention activities, as well as new business opportunities. Her previous role as Regional Executive prepared her for today’s responsibilities.
Prior to her tenure with ACE, Ms. Humphrey spent 20 years with several other national insurance carriers, serving in various regional casualty underwriting positions. She received her Bachelor of Arts degree in Mass Communications, with a minor in Business, Texas Lutheran University in Seguin, TX. She holds the Chartered Property Casualty Underwriter (CPCU) professional designation.
Ms. Humphrey is an active member of the Houston Community. She is an associate member of the Houston RIMS Chapter. A current Board member for Children at Risk, she volunteers through Top Ladies of Distinction, a Community Service organization that mentors today’s youth, and she volunteers at a local inner city elementary school. She is a devoted, actively involved member of Fifth Missionary Baptist Church, The National Council of Negro Women and the NAACP. Pam also loves to travel, entertain and spend quality time with her family.
Ivy is currently Senior Vice President, Chief Culture Officer for Chubb, a role she assumed in 2016. Within this role, Ivy is responsible for overseeing the culture integration by ensuring the cohesion and clarity of Chubb’s culture. Chubb’s culture of craftsmanship is characterized by its commitment to superior underwriting, execution and service.
Prior to this role, Ivy worked for Chubb Overseas General within the Accident and Health team as VP of Business Development. She was Vice President of Talent and Development for ACE North America responsible for supporting the assessment, development of talent, while also providing the overall management of the Learning and Development function. Ivy joined the ACE Group in 2000 as Project Manager of Global Training & Development in Bermuda. She was appointed to the Director of Learning & Development in 2002 and subsequently, as the Head of Learning and Development for ACE North America in 2006.
Ivy currently serves as a board member with IICF Women in Insurance NY chapter, Bermuda Wellness Foundation (BWF), the Pedro Arrupe Center for Business Ethics in the Haub School of Business, Saint Joseph’s University and Gamma Iota Sigma (GIS), an international business fraternity for students of insurance, risk management and actuarial science.
With 20 years of work experience, Ivy has a BA (cum laude) in International Development from St. Mary’s University, Nova Scotia.
Refilwe Moletsane in her over 23 years of Insurance Career has served in various portfolios including Deputy Chief Executive Officer of the South African Insurance Association.
She joined AIG South Africa in July 2010 as the Country Compliance Officer. In 2013 she was appointed as the Compliance Leader for Africa responsible for (South Africa, Kenya and Uganda), the role which was redefined to Head of Compliance – Africa Zone in 2014.
Prior to joining AIG, Ms Moletsane served her reign at the South African Insurance Association (“SAIA”), where she served as Deputy Chief Executive Officer and was responsible for insurance industry’s Motor Insurance, Legal and Compliance. She was also instrumental in the insurance industry’s legislation and regulations debates under the Parliamentary Portfolio Committee of Finance until June 2010. Before joining SAIA 2007, Ms Moletsane held various portfolios in Hollard Insurance including, Product Development, Account Management (including sales and operations) and Project Management under the office of the Bank and Motor Division Managing Director. She is currently appointed as an alternative Board Member on the SAIA Board.
Ms Moletsane’s experience in insurance played a significant role in her appointment as Member of the Financial Advisory and Intermediary Services (“FAIS”) (“Regulator”) Board Committee from 2008 to 2011.
Ms. Moletsane previously provided insurance consumer education talks on indigenous radio stations and in 2009 was nominated as one of the most influential individuals in the insurance industry.
Refilwe holds a Bachelors of Jurisprudence Degree (University of the North West 1992). Management Advancement Program (University of Witwatersrand Business School 1997), Diploma in Business Associate - Leadership Advancement Program (University of Cape Town Graduate School of Business) and Bachelor of Honours Degree - Insurance and Risk Management (University of the Witwatersrand 2011).
Brittany O’Neil joined the Florida Division of Workers’ Compensation in April of 2011, but has been with the Department of Financial Services for almost 20 years. Mrs. O’Neil started her career adjudicating workers’ compensation and social security disability claims. She spent four years providing analysis for the claims management operation including data processing, system development, and two years overseeing audit teams. She also has experience in contract administration, oversight, and procurement. Her responsibilities now include legislative analysis, leading the data and predictive analytics program, and serving as an internal controls liaison.
Mrs. O’Neil graduated from the University of North Florida with a Bachelor of Science in Community Health in 1999. She also holds an Associate in Risk Management for Public Entities (ARM-P), a Project Manager certification (PMP) and a certificate in Disaster Management.
Jill Rosenthal, M.D., M.P.H., M.A., FACOEM, Senior Vice President and Chief Medical Officer at The Zenith Insurance Company, has been with Zenith since June, 2010. Dr. Rosenthal received her B.A. from Duke University where she also earned a Certificate in the Biopsychosocial Approach to Health and Human Development. Dr. Rosenthal received her M.D. from the University of Illinois. In addition, Dr. Rosenthal earned both a M.A. and a M.P.H. from the University of Illinois. She is Board Certified in Occupational Medicine. Dr. Rosenthal has served as the Medical Director for General Motors in Doraville, Georgia; for Midwest Generation in Chicago, Illinois; for Evanston-Northwestern Hospital’s Employee Health Department; and for two Johnson and Johnson companies. Dr. Rosenthal was the Area Medical Director for Concentra in South Florida where she also acted as the Medical Director and Infection Control Officer for the City of West Palm Beach’s Fire and Police Departments. In addition, she has served as a Physician Advisor for SBC-Smart Disability Program, Broadspire, General Electric, and Federal Occupational Health. Dr. Rosenthal examined patients for the World Trade Center Worker and Volunteer Screening Program from its inception until May 2010. She sits on the Board of Directors for the American College of Occupational and Environmental Medicine of which she is a fellow. She was appointed by Florida’s Surgeon General to a second term on the Florida Prescription Drug Monitoring Program Foundation Board of Directors and is a member of its Executive Committee. Dr. Rosenthal is also an Affiliate Assistant Professor at the University of South Florida Occupational Medicine Residency Program. Her favorite role though is that of mom to her four children.
Over the past 10 years, Heather has become nationally recognized as one of the foremost and cutting-edge legal experts in Medicare Secondary Payer Compliance. An avid blogger and national speaker, Heather is a regularly published author and national speaker on MSP compliance. Her articles have been featured in publications such Risk & Insurance, Workerscompensation.com, Defense Research Institute (DRI), and Claims and Litigation Management (CLM) Alliance Magazine.
Currently serving as Franco Signor’s Chief Legal Officer, Heather leads corporate Medicare and Medicaid Secondary Payer compliance initiatives for the organization and remains directly engaged with Franco Signor’s TPA and carrier-based clients. Heather is charged with the drafting and negotiating of corporate contracts, the definition and development of corporate policies and provides continuing counsel on all corporate legal matters. Heather also oversees and directs Franco Signor’s Legal and Human Resources Departments.
Prior to joining Franco Signor, Heather previously served as lead counsel for Optum (formerly Helios)’s MSP division as well as Corporate Counsel for Gould & Lamb (now known as ExamWorks Clinical Solutions). Heather has a Juris Doctorate degree from St. Thomas University School of Law and also an undergraduate degree in Political Science from The University of Central Florida.
Heather is a recipient of a 2018 Business Insurance Break Out Award. She was also awarded Best Medicare Set-Aside/Settlements Blogger for 2016-2017 by WorkersCompensation.com.
Heather is currently serving on the 2018-2019 Executive Board for the Medicare Advocacy Recovery Coalition (MARC). She is a member of the Florida Bar and holds the following certifications: Medicare Set-Aside Consultant Certified (MSCC), Certified HIPAA Privacy Expert (CHPE), Certified Litigation Management Professional (CLMP), and Certified Medicare Secondary Payer Professional (CMSP).