Andrew is leading the charge to dismantle outdated health insurance approaches and challenging organizations to build new ways to bring affordable healthcare to their employees.

Andrew didn’t invent benefit captives, but he and Andrew Clayton were among the first to understand the incredible potential of self-insurance and captives to transform the employee benefits market. Prior to forming ParetoHealth, Andrew helped found Garnet Captive Services, LLC and Elevate Insurance Services, LLC. He retains a seat on the boards of both companies.

Andrew started his career in commercial banking and worked at several publicly traded insurance companies. He has served on committees and boards of industry groups such as the Self-Insurance Institute of America (SIIA).

Andrew is a graduate of Swarthmore College.

Andrew Clayton has nearly 25 years of experience creating captives and employer-centric risk financing programs. 

Andrew’s areas of expertise include healthcare finance, risk management, and cost containment. He has structured property and casualty captives for Fortune 500 companies but is best known as an industry leader in the employee benefit group captive space, as he has helped ParetoHealth to pioneer new ways to deliver affordable, scalable healthcare benefits. 

Prior to ParetoHealth, Andrew spent five years as Vice President of the Group Captive Division at Berkley Accident & Health, LLC. He has also served as Vice President at J.B. Collins and Associates and Vice President at Commonwealth Risk Services.

Andrew is a graduate of Swarthmore College.

Gary is a technology visionary with more than 17 years of experience in leading and building IT teams to deliver B2B and B2C products in healthcare, clean technology, online & retail CPG, distribution, supply chain, logistics, warehousing, and staffing. 

As CTO at ParetoHealth, Gary’s focus is on the planning, development, and implementation of innovative technology solutions to address our wealth of emerging business opportunities.  

Prior to joining ParetoHealth, Gary worked on digital transformations in start-up and corporate environments— helping them deliver fast, scalable, and rapid product-to-market growth. His clients included Timelife, AllStar Marketing, Irwin Naturals, American Historic Society, Kaiser Permanente, Dyson, Target, HomeDepot, Walmart, Globalcare Analytics, and more.

Gary is a graduate of California State University and authored a patent for a transaction analysis and asset recovery system during his work in healthcare arena.

Cem Behmoaram joined Warburg Pincus in 2011 and has worked across London and New York, where he is currently based. He focuses on the healthcare sector, including the firm’s investments in Summit Health, Quantum Health, and ParetoHealth.

Prior to joining Warburg Pincus, he worked in the Investment Banking Division of Merrill Lynch. He received a Bachelor of Engineering from McGill University and an MBA from the Stanford University Graduate School of Business.

Thomas “TJ” Carella joined Warburg Pincus in 2016. Based in New York, he serves as a Managing Director and is Head of the Healthcare group. He is a Director of Aetion, Alignment Healthcare, Bond Vet, Ensemble Health Partners, ParetoHealth, Quantum Health, and WebPT.

Prior to joining Warburg Pincus, TJ was a Partner in the Merchant Banking Division of Goldman Sachs and Global Head of the Division’s Private Equity activities in the healthcare sector. While at Goldman Sachs, he led or was actively involved in several investments across Life Sciences, Healthcare Services, and Healthcare Information Technology.

TJ earned his bachelor’s degree from Harvard College and then obtained his MBA from Harvard Business School.

Rich brings 20+ years of experiencing providing financial steering to executive teams to drive growth and maximize profitability. His deep background in financial planning and analysis and strategic planning creates a financial environment that drives business partnership and puts analytics and KPIs at the forefront, enabling executives to make quick and informed business decisions that accelerate growth while maximizing the bottom line.

As Chief Financial Officer of ParetoHealth, Rich is responsible for supporting the firm’s growth by implementing strategic initiatives across his areas of responsibility: Finance, People, and IT. 

Prior to joining ParetoHealth, Rich spent four years as CFO of WGroup, a high-growth IT consulting firm, where he was a key member of the executive team, responsible for growing the firm while balancing profitability. His deep financial expertise was developed during his tenure at Quintiq, a global software company, and Ricoh, a global IT company.

Rich is a graduate of Elon University and earned his MBA from Saint Joseph’s University, with post-graduate work at Villanova University.

Rafael is a Partner at Great Hill Partners and is responsible for originating and evaluating investment opportunities in the software, healthcare, and business services sectors. He is currently a Director of ParetoHealth, PartsSource, Quantum Health, RxBenefits and Vatica Health. He is a former member of the Boards of Qualifacts and DealerRater and was also involved in the investments of Passport Health Communications and Wayfair. Prior to joining Great Hill, Rafael held positions at Battery Ventures, Technology Crossover Ventures, Goldman Sachs and RBC Capital Markets.

Rafael earned a degree in finance from The University of Texas at Austin and an MBA from Harvard Business School.

At ParetoHealth, Ben drives underwriting strategy and profitable growth with our strategic partners.

Ben has over 15 years of experience in the group insurance marketplace in underwriting, distribution operations, lean management, and product management. 

Before joining ParetoHealth, Ben led stop loss underwriting and was a Market Line Leader for Voya Stop Loss. His prior experience also includes working with Liberty Mutual and Sun Life. He received his bachelor’s in marketing from Bryant University and an MBA from Bentley University.

Ashley has more than a decade of experience in developing strategic benefit plans, claims analysis, financial performance analysis, regulatory compliance adherence and support, and coordination of ongoing client services.

Ashley is responsible for the development, execution, and oversight of our medical and pharmacy cost control strategy. Her team creates turnkey health solution platforms to simplify and streamline the adoption of our strategy—and to maximize the value of our strategic partnerships: with TPAs, PBMs, and cost containment vendors. 

Ashley also oversees the use of clinical data analytics to identify care intervention and claim reduction opportunities, and the identification and evaluation of the latest in care innovation and population health.

Before joining ParetoHealth in 2020, Ashley spent eleven years as Senior Consultant and then Senior Vice President at AIA, Alera Group, where she was responsible for the operating unit oversight and ongoing development of AIA’s advanced health management and clinical intervention portfolio. 

Ashley is a graduate of the University of Pennsylvania.

Kristen brings over ten years of experience managing internal operations and developing growth strategies that benefit employers, consultants, and insurance carrier partners. 

Kristen is responsible for balancing the growth and profitability of all captive programs. She oversees all underwriting operations including stop-loss marketing, renewal negotiations, and new client implementations.

Prior to ParetoHealth, Kristen worked for The Savitz Organization, where she was part of a team that handled the pension administration for a multitude of clients, including international pharmaceutical companies. 

Kristen is a graduate of Swarthmore College.

As Chief of Staff, Alex focuses on strategy, operations, and special projects at ParetoHealth. She works with the executive team to advance company and customer strategies, implement new programs, and accelerate operations.

Alex has over a decade of experience working in technology and healthcare at Google, Johnson & Johnson, and venture-backed startups. She has experience building, launching, and scaling digital health products and services, program management, and growth strategies. 

She began her career at Bain & Company, consulting with Fortune 500 companies and in the healthcare private equity practice. Alex is a graduate of Emory University.

Mark is responsible for transaction origination, investment policy, fundraising, investor relations and the general management of Great Hill Partners. Mark’s investment focus is in the healthcare sector. He is currently a Director of ParetoHealth, PartsSource, Quantum Health, RxBenefits and Vatica Health. He is also a member of the Board of Trustees for Boston Medical Center’s Healthnet/Well Sense Health Plan and a member of the Finance Committee at BMC. He is a former member of the Boards of several healthcare companies including FirstCall HealthCare, Passport Health Communications, Qualifacts and SterilMed. 

Mark graduated from the J.L. Kellogg Graduate School of Management where he was an F.C. Austin Scholar and the Jim Packard Memorial Scholar. He also holds a BA in public policy studies from Duke University.