Our Team

Rick Kesecker


Executive Vice President & Chief Operating Officer

Rick Kesecker has over 35 years of experience in the education and non-profit markets which enables him to help institutions and individuals prepare for unforeseen risk. His experience provides him unique insight into the challenges you face.

Rick is originally from Charleston, WV and is an avid learner. He has a Bachelor’s Degree in Management from Malone University and a Certificate in Intercultural Studies from Birmingham Theological Seminary. He has earned numerous professional designations and holds a FINRA Series 7 and Series 63 licenses and State of Alabama 65, Property & Casualty, Life & Health licenses.

Rick’s passion is protecting families and their way of life by providing them the information they need to make sound financial decisions. He is always looking for ways to give back to those that have given so much to others. 

Mark Fox

Vice President

Understanding the insurance complexities and how they relate to your employees can be overwhelming. Mark Fox will use his experience with complex group benefits and paint a clear design that is easily understood. Your employees will find his methods to be laid back yet organized. You will find his enrollment strategy to be stress free and easy to implement.

Mark has maintained his Life & Health insurance license in several states for over 7 years. He also received the Rising Star award by Employee Benefits Adviser magazine and was featured in their publications. “One of my favorite memories working with schools is being able to enjoy a meal with the CNP workers during their break and shoot the breeze.”

Pamella Joachim

Sales Operations Manager

Pamella Joachim is our Sales Operations Manager. Pam is responsible for handling sales support, sales reporting and internal accounting operations. She is also adept in researching customer issues and assisting with resolutions.

She has been with our team for over 15 years and has held a Life & Health license since 2006. Formerly from the mid-Atlantic region, she held numerous management positions in banking and accounting before moving to the Birmingham area. Pam is the one who holds it all together when things get crazy.

Erica Janda

Benefit Specialist

Erica Janda serves as a Benefits Specialist for Collateral Educators. She is currently licensed in Life and Health with a focus on Alabama Educators. Her main responsibilities are assisting clients with information regarding their dental, vision, disability, life, accident and critical illness policies.

Before joining our team, Erica worked for State Farm which sparked her love and passion for insurance and helping others when they need it the most. Erica can be contacted at the customer care center Monday – Friday, 8:00 AM – 5:00 PM at 1-866-322-2244.