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Leadership

Leadership

Officers

Paul J. Ritter III, Esq.
Paul J. Ritter III, Esq.
President & CEO
Paul J. Ritter III, Esq.

Paul J. Ritter III, Esq.

President & CEO Cumberland Mutual

Paul J. Ritter is President & Chief Executive Officer of Cumberland Mutual. Paul joined Cumberland in 1999 and became President & CEO in 2010. He is a current board member of the Century Savings Bank and previously served as Cumberland’s Chief Financial Officer. Under his leadership, Cumberland has grown policyholder surplus to record levels.

Prior to joining Cumberland in 1999, Paul served as Senior Vice President, CFO, and Corporate Secretary for the Farmers and Merchants National Bank; and as an attorney for the law firm of Chance and McCann. 

Paul graduated from the University of Notre Dame with a Bachelor’s Degree in Accounting and received his law degree from Widener University. In 2009, he completed the prestigious Insurance Executive Development Program at The Wharton School of the University of Pennsylvania.

Richard M. Ritter
Richard M. Ritter
Executive Vice President & COO
Richard M. Ritter

Richard M. Ritter

Executive Vice President & COO

Richard M. Ritter is Executive Vice President & COO of Cumberland Mutual.  Rick joined Cumberland through a merger with Chester County Mutual.  In addition to managing day-to-day operations and working closely with the CEO on strategic planning, he is responsible for the Company’s reinsurance program and works with the Finance Department in the development of loss reserves.

Prior to joining Cumberland in 2000, Rick served as President of Chester County Mutual Insurance Company of Pennsylvania. 

In 2009, Rick completed the prestigious Insurance Executive Program from The American Institute for CPCU and the Wharton School of the University of Pennsylvania.

David F. Raczenbek, Esq.
David F. Raczenbek, Esq.
Chief Legal Officer & Secretary
David F. Raczenbek, Esq.

David F. Raczenbek, Esq.

Chief Legal Officer & Secretary

David F. Raczenbek is the Chief Legal Officer and Corporate Secretary, overseeing legal matters for the company.  He presently serves upon the boards of Elmer Bancorp, Inc. and The First National Bank of Elmer, and previously served upon various insurance industry trade boards.

Prior to joining Cumberland in 2010, David was partner in the law firm of Casarow, Kienzle & Raczenbek. 

David graduated from Dickinson College with a Bachelor of Arts degree and received his law degree from The George Washington National Law Center. He has also participated in various insurance and management specific educational programs, including an executive education program co-sponsored by The University of Virginia Darden School of Business and The Institutes.

Keith A. Maxfield, CPCU
Keith A. Maxfield, CPCU
Executive Vice President and CUO
Keith A. Maxfield, CPCU

Keith A. Maxfield, CPCU

Executive Vice President and CUO

Keith Maxfield is an Executive Vice President and Chief Underwriting Officer of Cumberland Mutual. Keith provides organizational leadership for the Underwriting, Product & Pricing and Marketing Departments.

Prior to joining Cumberland in 2012, Keith was the Chief Underwriting Officer for Kemper Insurance. 

Keith is a graduate of Carthage College. He has over 35 years of insurance experience with multiple Property and Casualty companies.

Neal G. Pierce, CPA, PFS, CFP
Neal G. Pierce, CPA, PFS, CFP
CFO & Treasurer
Neal G. Pierce, CPA, PFS, CFP

Neal G. Pierce, CPA, PFS, CFP

CFO & Treasurer

Neal G. Pierce, CPA, PFS, CFP® joined Cumberland Mutual in 2011, and has been the Chief Financial Officer & Treasurer for the Company since November 2014. Neal leads the finance, human resources and billing departments at the Company.  He is also responsible for treasury, regulatory reporting, risk management, and the Company’s investment portfolio.

Prior to joining Cumberland, Neal was a partner and officer at Athey & Company, Certified Public Accountants P.A. serving business and individuals in the greater Delaware Valley area for over 25 years.

Neal graduated from King’s College with a Bachelor’s Degree in Accounting.  In April 2014, he completed The Institutes Insurance Executive Training Program at The Darden School of Business of the University of Virginia.  In addition, he is a Certified Public Accountant, a member of the American Institute of CPAs and the New Jersey Society of CPAs.  Neal has earned certification as a Personal Financial Specialist, a prestigious and exclusive distinction shared by approximately 5,000 CPAs nationwide.  He has also achieved designation as a Certified Financial Planner ™.

Harold P. Gunning
Harold P. Gunning
Senior Vice President of the Casualty Unit
Harold P. Gunning

Harold P. Gunning

Senior Vice President of the Casualty Unit

Harold Gunning is Senior Vice President of the Casualty Unit at Cumberland Mutual.  He joined Cumberland in March of 1997 as a claims supervisor and was promoted three times before receiving his present title in December 2003.

Prior to joining Cumberland in March of 1997, Harold was employed by Ohio Casualty Insurance Company for 18 years in various claims positions. While at the company, he completed both the supervision and ultimate customer service designated programs.

Harold graduated from Montclair State University with a Bachelor of Science Degree. He presently has over 40 years of multiline claims experience.

Kenneth M. Mailley, CPCU, AIC
Kenneth M. Mailley, CPCU, AIC
Senior Vice President of Property Claims
Kenneth M. Mailley, CPCU, AIC

Kenneth M. Mailley, CPCU, AIC

Senior Vice President of Property Claims

Kenneth M. Mailley is Senior Vice President of Property Claims for Cumberland Mutual. Ken joined Cumberland in 2000 as a Claims Supervisor. He has held the positions of Claims Manager, AVP, VP and SVP of Property Claims and has worked in the claims field for over 30 years.

Prior to joining Cumberland, Ken began his career as Claims Adjuster Trainee for the Republic Insurance group, and later served as Multiline Claims Adjuster and Claims Supervisor with Ohio Casualty.

Ken graduated from Rutgers University with a Bachelor’s Degree in Political Science. He holds several insurance industry designations including Chartered Property Casualty Underwriter (CPCU) Associate in Claims (AIC) and Associate in Management (AIM).

Patrick Padalik
Patrick Padalik
Senior Vice President of Product and Pricing
Patrick Padalik

Patrick Padalik

Senior Vice President of Product and Pricing

Patrick M. Padalik is Senior Vice President of Product & Pricing and leads Product Management and Pricing efforts at Cumberland Mutual.  Patrick has over 25 years of experience in the insurance industry and has held leadership positions in multiple departments including Actuarial, Product Management and Underwriting.

Prior to joining Cumberland in 2012, Patrick served as Regional and National Product Director at Kemper and as Actuarial Manager at CNA. 

Patrick has undergraduate degrees in Mathematics and Psychology from Benedictine University.  In 2011, he successfully completed the Executive MBA program at Jacksonville University.

Glenn W. Watkins
Glenn W. Watkins
Senior Vice President of Marketing
Glenn W. Watkins

Glenn W. Watkins

Senior Vice President of Marketing

Glenn W. Watkins is Senior Vice President of Marketing for Cumberland Mutual. Glenn oversees Marketing for New Jersey, Pennsylvania, Maryland, and Delaware. He joined Cumberland Mutual in November of 2000 after spending the prior 5 years at General Accident in Mt. Laurel, NJ. 

Glenn is a Director on the BIG I State Board and Treasurer of BIG I South Jersey Board. He served as Director and President of the NJ 1752 Club (2000-2004) and Director of the New Jersey Young Insurance Professionals (2008-2014). He has also been Chairman of the BIG I Make a Wish golf committee since 2005.

Glenn graduated from Mount Saint Mary’s University with a Bachelor’s Degree in Business and Finance, and soon after obtained his New Jersey Property & Casualty License.  Glenn has received many awards throughout his career, including the New Jersey Professional Agents Company Person of the Year award (2005), the New Jersey Young Insurance Professionals John Laux Distinguished Service Award (2007), the IIABNJ Howard Kucher Volunteer of the Year Award (2009), the New Jersey Young Insurance Professional Director of the Year Award (2011), and the BIG I South Jersey President’s Award (2012-2014).

Ed Bowman
Ed Bowman
Vice President, Casualty Manager
Ed Bowman

Ed Bowman

Vice President, Casualty Manager

Edward Bowman is Vice President and Casualty Manager in the Claims Department at Cumberland Mutual. Ed is responsible for claims and claims litigation management for auto, general liability and workers compensation claims.

Prior to joining Cumberland in 2007, Ed spent 19 years as a litigator and trial lawyer handling the defense of policyholders for several national and regional insurance companies. 

Ed graduated from Rutgers University with a B.A. in history and received a J.D. from Penn State Dickinson School of Law.

Adam Lamanteer
Adam Lamanteer
Vice President & Controller
Adam Lamanteer

Adam Lamanteer

Vice President & Controller

Adam Lamanteer is Controller of Cumberland Mutual.  Adam joined Cumberland in 2009 as Senior Accountant and became Controller in 2013.  He manages the staff of the Finance department and his responsibilities include establishing controls to mitigate risk, financial reporting, regulatory filings, and preparation of the annual budget.    

Prior to joining Cumberland in 2009, Adam worked in the Manufacturing industry as a Senior Accountant for Gerresheimer Glass, Inc. and Financial Analyst for Alcan Packaging. 

Adam graduated from Wilmington University with a Bachelor’s degree in Business Management and Accounting.

Jeanette Metzenroth
Jeanette Metzenroth
Vice President, Commercial Lines Underwriting
Jeanette Metzenroth

Jeanette Metzenroth

Vice President, Commercial Lines Underwriting

Jeanette Metzenroth is Vice President of Commercial Lines Underwriting and is responsible for the management of the Commercial Lines Underwriting Department. Jeanette joined Cumberland Mutual in 2001 as an Underwriter and after holding various underwriting and management positions, advanced to Vice President of Commercial Lines Underwriting in 2018. 

Before joining Cumberland Mutual in 2001, Jeanette worked for a national insurance company bringing 20 years of commercial underwriting and management experience to the organization.

Patrick L. Smith
Patrick L. Smith
Vice President, Personal Lines Underwriting
Patrick L. Smith

Patrick L. Smith

Vice President, Personal Lines Underwriting

Patrick L. Smith is the Vice President of Personal Lines Underwriting for Cumberland Mutual and has over 20 years of insurance experience with multiple Property and Casualty companies. Patrick joined Cumberland in 2013 and became Vice President of Personal Lines Underwriting in 2018. He previously served as Cumberland’s Assistant Vice President of Personal Lines Underwriting.

Prior to joining Cumberland, Patrick served as Regional Underwriting Manager, Underwriting Supervisor, Underwriting Analyst and Underwriter for Kemper Insurance and also worked in the Underwriting and Claims departments for Nationwide Insurance.

Patrick graduated from the Shippensburg University of Pennsylvania with a Bachelor’s Degree in Criminal Justice with a Law Enforcement concentration.

Blair Sturts, AAM
Blair Sturts, AAM
Vice President, Information Technology
Blair Sturts, AAM

Blair Sturts, AAM

Vice President, Information Technology

Blair Sturts is Vice President of Information Technology at Cumberland Mutual.  Blair joined Cumberland in 2001 and became Vice President in 2019.  He has more than 27 years of experience working in the insurance industry.  Prior to being Vice President, Blair was Assistant Vice President of IT and Applications Manager. 

Prior to joining Cumberland in 2001, Blair worked for Selective Insurance Group and Shelby Insurance Group.

Blair graduated from Ashland University with a Bachelor’s Degree in Business Administration.

Diane Crispin
Diane Crispin
Assistant Secretary to the Board
Diane Crispin

Diane Crispin

Assistant Secretary to the Board

Diane Crispin is Assistant Secretary to the Board and Senior Administration Assistant.  Diane joined Cumberland in 1979 to process Personal Lines endorsements and policies. She was moved to the receptionist position and given Inland Marine and Mobile Homeowner lines of business underwriting along with assisting with the Combination Dwelling endorsements.  Upon moving to the Shiloh Pike office location, she was moved to the Executive Department.  She became secretary to the President, Ephraim M. Carll until his retirement in 1996.  She then was secretary to Leo T. Hogan until his retirement in 2008 followed by Robert P. Brady who retired in 2010.  She is currently senior administrative assistant under CEO and President Paul J. Ritter, III.

Diane joined Cumberland during her junior year in high school under the Office Co-Op program, working part-time until graduation and then becoming employed full time.  She was recently awarded 40 years of service for the Cumberland Mutual.

Lisa C. Koelln, CIC, CISR
Lisa C. Koelln, CIC, CISR
Assistant Vice President, Commercial Lines Product Management
Lisa C. Koelln, CIC, CISR

Lisa C. Koelln, CIC, CISR

Assistant Vice President, Commercial Lines Product Management

Lisa C. Koelln is an Assistant Vice President of Cumberland Mutual and is responsible for developing commercial lines products and services that meet corporate objectives.  Lisa has over 30 years’ experience in the insurance industry.  She joined Cumberland in 1998 and has held various positions throughout her 20 years with Cumberland including SVP of Underwriting.

Prior to joining Cumberland, Lisa worked as an underwriter for both Travelers and Fidelity & Deposit Company of Maryland (a subsidiary of Zurich American Insurance Company).

Lisa graduated from Bucknell University with a Bachelor’s of Science degree in Mathematics.  She has both her CIC and CISR designations.

Courtney Mattus, CPA, MSTFP
Courtney Mattus, CPA, MSTFP
Assistant Treasurer
Courtney Mattus, CPA, MSTFP

Courtney Mattus, CPA, MSTFP

Assistant Treasurer

Courtney Mattus is the Assistant Treasurer at Cumberland Mutual. Courtney joined Cumberland in 2015 as a Senior Accountant and progressed to Accounting Manager. Courtney is an integral part of the finance group and has led her team to implement a new accounting platform, earning Cumberland’s Blue Spot Award in the process.  

Prior to joining Cumberland, Courtney’s career was in the world of corporate taxation, beginning at PricewaterhouseCoopers, LLP. Her experience and knowledge grew as her tax career led her to other companies such as Syngenta Corporation and Urban Outfitters, ultimately landing her in Cumberland’s finance group where she now enjoys the insurance sector.

Courtney graduated Magna Cum Laude from Fairleigh Dickinson University with a Bachelor’s Degree in Accounting and then went on to pursue her Master’s in Taxation and Financial Planning (MSTFP) Degree at Widener University, graduating in 2012. Courtney earned her designation as a licensed Certified Public Accountant (CPA) in 2010.

Lauren Parker, FCAS, MAAA, CPCU
Lauren Parker, FCAS, MAAA, CPCU
Assistant Vice President, Actuarial Services
Lauren Parker, FCAS, MAAA, CPCU

Lauren Parker, FCAS, MAAA, CPCU

Assistant Vice President, Actuarial Services

Lauren Parker is the Assistant Vice President of Actuarial Services in Cumberland Mutual’s Product and Pricing Department. Lauren joined Cumberland in 2010 after graduating from Lebanon Valley College with degrees in Actuarial Science and Economics.

In 2017, Lauren became a Fellow of the Casualty Actuarial Society and is a member of the American Academy of Actuaries. In 2019, Lauren completed the requirements to become a Chartered Property and Casualty Underwriter.

Jeff Ritter, CFA, CAIA, CPA
Jeff Ritter, CFA, CAIA, CPA
Assistant Vice President, Corporate Development, Investments and Strategic Initiatives
Jeff Ritter, CFA, CAIA, CPA

Jeff Ritter, CFA, CAIA, CPA

Assistant Vice President, Corporate Development, Investments and Strategic Initiatives

Jeffrey M. Ritter is Assistant Vice President of Corporate Development, Investments, and Strategic Initiatives at Cumberland Mutual. Jeff also provides support for Enterprise Risk Management and Cumberland’s reinsurance program. Jeff joined Cumberland in 2018 with experience from the asset management industry.

Prior to joining Cumberland in 2018, Jeff worked at Brookfield Asset Management in the Private Funds Group and as an analyst at Bank of America Merrill Lynch. 

Jeff holds the Chartered Financial Analyst (CFA), Chartered Alternative Investment Analyst (CAIA), and Certified Public Accountant (CPA) designations. Jeff graduated from Duke University with a Master’s Degree in Business Management, University of Notre Dame with a Master’s Degree in Accounting and received his Bachelor’s degree from Rowan University. He received the President’s CPCU Scholarship from the Institutes in 2019.

Ingrid Schulz
Ingrid Schulz
Assistant Vice President, Personal Lines Product Management
Ingrid Schulz

Ingrid Schulz

Assistant Vice President, Personal Lines Product Management

Ingrid N. Schulz is the Assistant Vice President of Personal Lines Project Management. Ingrid has more than 20 years of experience in the insurance industry.

Prior to joining Cumberland in 2012, Ingrid worked for Kemper Insurance in Long Grove, IL and Jacksonville, FL and held positions in personal lines underwriting and product management.

Ingrid graduated from Valparaiso University with a Bachelor’s Degree in Business Administration.

Sean Weir, CPCU, AIC, SCLA
Sean Weir, CPCU, AIC, SCLA
Assistant Vice President, Property Claims
Sean Weir, CPCU, AIC, SCLA

Sean Weir, CPCU, AIC, SCLA

Assistant Vice President, Property Claims

Sean R. Weir is the Assistant Vice President of Property Claims and the Manager of the Property Claims Unit at Cumberland Mutual. Sean Joined Cumberland directly out of college in 2005 and has held multiple positions within the Claims Department. He also currently serves on the Board of Directors for the Pennsylvania Property & Casualty Insurance Guaranty Association and has worked as an adjunct professor of insurance courses at the Rowan College of South Jersey.

Sean graduated from Lebanon Valley College with a Bachelor’s degree in Economics and received a Master’s Degree in Insurance Management from Boston University. He completed his Chartered Property & Casualty Underwriter (“CPCU”) designation in 2008 and is an active member of the CPCU Society. Sean has also secured the Silver and Gold Senior Claim Law Associate (“SCLA”) designation, as well as multiple designations from The Institutes, including the Associate in Claims (“AIC-M”), Associate in Data Analytics (“AIDA”), Associate in Insurance Accounting and Finance (“AIAF”), Associate in Regulation & Compliance (“ARC), among others, and is an Accredited Advisor in Insurance (“AAI”).

 

Christie Willoughby , AU
Christie Willoughby , AU
Assistant Vice President, Commercial Lines Underwriting
Christie Willoughby , AU

Christie Willoughby , AU

Assistant Vice President, Commercial Lines Underwriting

Christie Willoughby is Assistant Vice President of Commercial Underwriting for Cumberland Mutual.  Since joining Cumberland in 2003, Christie has held various positions in the Commercial Lines department, including Underwriter, Operations Supervisor and Manager.

Christie has over 25 years of experience in the insurance industry.  Prior to joining Cumberland in 2003, Christie was an Underwriter at Southern Guaranty Insurance Company in Greensboro, NC.

Christie graduated from Elon University with a Bachelor’s Degree in Mathematics and has received an Associate in Commercial Underwriting (AU) designation.

Board of Directors

Lawrence A. Pepper
Lawrence A. Pepper
Chairman of the Board
Gruccio, Pepper, Desanto & Ruth, P.A. Attorneys at Law
Lawrence A. Pepper

Lawrence A. Pepper

Chairman of the Board Gruccio, Pepper, Desanto & Ruth, P.A. Attorneys at Law

Lawrence A. Pepper, Jr. joined the Cumberland Mutual Board of Directors in 1983 and is currently Chairman of the Board. Mr. Pepper graduated from the University of Notre Dame with a Bachelor of Business Administration in Accounting, and went on to receive his Juris Doctorate from Rutgers University Law School. Mr. Pepper is a partner with Gruccio, Pepper, DeSanto and Ruth of Vineland, New Jersey.

Dr. Michelle Bear
Dr. Michelle Bear
Physician
Family Practice Associates
Dr. Michelle Bear

Dr. Michelle Bear

Physician Family Practice Associates

Dr. Michelle Bear joined the Cumberland Mutual Board of Directors in 2014 and is currently Chair of the Compensation Committee. Dr. Bear graduated from the University of Medicine And Dentistry of New Jersey Robert Wood Johnson Medical School. Dr. Bear is a physician at Family Practice Associates of Cumberland County located in Bridgeton, New Jersey which specializes in Family Medicine.

Robert L. Davis
Robert L. Davis
Vice President
Henry D. Young, Inc. (retired)
Robert L. Davis

Robert L. Davis

Vice President Henry D. Young, Inc. (retired)

Robert L. Davis has served as a member of the Cumberland Mutual Board of Directors since 1992. He is currently on the Executive Committee. Mr. Davis is an honors graduate of Princeton University, with a Bachelor of Science degree in Chemical Engineering. After graduation, he joined the DuPont Company, then served in the United States Navy, and later worked with Rohm & Haas in production management. Mr. Davis formerly owned the W.A.Carpenter Insurance Agency in Pennsville, New Jersey.

Gregory J. Facemyer
Gregory J. Facemyer
CPA, P.A.
Gregory J. Facemyer CPA
Gregory J. Facemyer

Gregory J. Facemyer

CPA, P.A. Gregory J. Facemyer CPA

Gregory Facemyer joined the Cumberland Mutual Board of Directors in 2013 and currently is Chair of the Audit and Risk Management Committee.  He graduated from Rowan University  with a B.A.  in Accounting.  He has been a Certified Public Accountant since 1980 and self-employed since 1985.

Bruce R. Hankins
Bruce R. Hankins
Vice President, Sales
H.H. Hankins & Brothers
Bruce R. Hankins

Bruce R. Hankins

Vice President, Sales H.H. Hankins & Brothers

Bruce R. Hankins joined the Cumberland Mutual Board of Directors in 1994 and is currently on the Executive Committee.  Mr. Hankins graduated from Washington & Lee University in Lexington, VA with a Bachelor of Science in Physics/Engineering. He is the Vice President of H.H. Hankins & Brothers located in Bridgeton, New Jersey and also serves as Mayor of Hopewell Township. 

David J. Hemple
David J. Hemple
President and CEO
Century Savings Bank
David J. Hemple

David J. Hemple

President and CEO Century Savings Bank

David Hemple joined the Cumberland Mutual Board of Directors in 2015 and is currently Chair of the Investment Committee. Mr. Hemple attended Trenton State College and is a graduate of the ACB National School of Banking. He has been the President & CEO of Century Savings Bank since 2005, with over 36 years of experience with the Bank.

Clair H. Miller, Jr
Clair H. Miller, Jr
Professor of Accounting
Cumberland County College
Clair H. Miller, Jr

Clair H. Miller, Jr

Professor of Accounting Cumberland County College

Clair H. Miller, Jr. joined the Cumberland Mutual Board of Directors in 1987 and is currently Chair of the Executive Committee.  Mr. Miller graduated from the University of Mississippi and from Rowan University with a Master’s degree in Accounting. He retired from Rowan College of South Jersey as a professor of Accounting.

Paul J. Ritter III, Esq.
Paul J. Ritter III, Esq.
President & CEO
Cumberland Mutual
Paul J. Ritter III, Esq.

Paul J. Ritter III, Esq.

President & CEO Cumberland Mutual

Paul J. Ritter is President & Chief Executive Officer of Cumberland Mutual. Paul joined Cumberland in 1999 and became President & CEO in 2010. He is a current board member of the Century Savings Bank and previously served as Cumberland’s Chief Financial Officer. Under his leadership, Cumberland has grown policyholder surplus to record levels.

Prior to joining Cumberland in 1999, Paul served as Senior Vice President, CFO, and Corporate Secretary for the Farmers and Merchants National Bank; and as an attorney for the law firm of Chance and McCann. 

Paul graduated from the University of Notre Dame with a Bachelor’s Degree in Accounting and received his law degree from Widener University. In 2009, he completed the prestigious Insurance Executive Development Program at The Wharton School of the University of Pennsylvania.