Our Team

Rick Kesecker, CPCU, AIF®, LUTCF, AAI, Senior Vice President

Rick Kesecker is the Senior Vice President for Collateral Educator Services and Collateral Benefits Group. He has had a notable career in the insurance and financial services industry with over 30 years of experience. He is responsible for the overall growth and profitability of Collateral Educator Services.

Rick is originally from Charleston, WV and joined the Collateral team in 2011. He has a Bachelor’s Degree in Management from Malone University and has earned numerous professional designations. He also holds FINRA Series 7 and 63 licenses and State of Alabama Series 65, Property & Casualty, and Life & Health licenses.

He enjoys his job because it is about helping others prepare for the risks we all face.

Janet Northington, Vice President Compliance & Licensing

Janet Northington is responsible for contracting and licensing for new agents and vendor contracts. Janet is from Birmingham, AL and has been with the Collateral family since 2003.

“I love working with customers in the most dire of claim situations and then finding a way to get them the help they need. Getting to help others every day is the best thing about coming to work.”

Pamella Joachim, Sales Operations Manager

Pamella Joachim is our Sales Operations Manager. She is responsible for handling sales operations, reporting and marketing efforts. Pam has been in the Birmingham, AL area since 2000 and has been with Collateral since 2001.

Pam enjoys working here because: “There is never a dull moment and each workday is different. Also, I have great co-workers which help make every day enjoyable; we are a good team!”

Jodi Skaggs, Account Manager

Jodi Skaggs oversees account implementation. She is from Birmingham, AL and joined the Collateral team in 2009.

She loves her job because: “I really enjoy getting to meet different people and help them plan for their future. It’s rewarding to know that we help protect families and their way of life.”

Cindi Oliver, Benefit Specialist

Cindi Oliver is responsible for assisting with new business and customer service within our Customer Care Center. She is originally from Fayette, AL and has over 14 years of experience in the insurance industry, holding licenses in both Property & Casualty and Life & Health.

“Discussing and purchasing insurance products can make most people anxious. I find it very rewarding when I can be a resource to individuals, while assisting them to find affordable solutions to protect themselves and their families.”

Myrna Roberts, Benefit Specialist

Myrna Roberts is responsible for assisting customers with new business and customer service. Myrna hails from Louisiana and has lived in Birmingham for the last twelve years. She holds licenses in both Life & Health and Property & Casualty.

The reason she likes working at Collateral is “I am able to help people when life happens unexpectedly.”

Herbert Young, Regional Account Executive

Herbert Young is involved in account acquisition and relations. He has over 20 years of experience in the insurance and financial service industry. Herbert holds State of Alabama Series 65 and Life & Health licenses.

He likes helping to educate the educators by providing the information they need to make sound financial decisions.