Meet the ERP Team
At Evolution Risk Partners, our team shares a vision to redefine partnership in stop-loss insurance, working together to deliver impactful solutions. Through tenured underwriting teams and white-glove customer service, we empower brokers and employers with tailored risk management strategies and responsive support.
Executive Leadership Team




George Lemmon

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Evolution Risk Partners (2018 - Present)
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Voya Financial (2009 - 2017)
SVP, National Head of Employee Sales
Managed a 130 person team and built a $1.4B+ business
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Sun Life Financial (1998 - 2008)
Senior Sales Representative
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Albion College - BA, Economics
BA, Economics
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The University of Chicago
MBA, Finance & Entrepreneurship
Chad Parker

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Evolution Risk Partners (2018 - Present)
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Voya Financial (2011 - 2018)
Executive Regional Manager
Managed medical stop-loss premiums of $200M BD and management of all sales/service teams in SW
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Sun Life Financial (1996 - 2011)
Senior Sales Representative
- Multiple National Sales Awards
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Boston College - BS, Finance
Melissa Drumsta

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Evolution Risk Partners (2022 - Present)
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Ernst & Young LLP (2008 - 2022)
Senior Manager Transaction Diligence – Healthcare Sector
Led Financial Due Diligence on national and multinational mergers, acquisitions and divestitures -
Certified Public Accountant (CPA) Illinois
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John Carroll University, BS, Accountancy, MBA
Kris Grahl

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Evolution Risk Partners (2023 - Present)
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Anthem, Inc. (2017 - 2023)
Vice President, Stop Loss
Anthem's strategic leader of Stop Loss. Responsible for driving profitable growth in the company's billion-dollar+ Stop Loss Business -
Voya Financial (2011 - 2017)
National Director of Stop Loss Underwriting & Strategic Relationships -
CIGNA (2000 - 2010)
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Director of UW
Senior Leadership Team






Tony Bauer

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Evolution Risk Partners (2024 - Present)
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Anthem (2019 - 2024)
Head of Pre-Sale team nationally -
Voya Financial (2007 - 2019)
Mid-Large market Underwriter
Moved to manage the Pre-Sale Team Nationally -
St. Cloud State - BA, Finance
Melanie Wyatt

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Evolution Risk Partners (2019 - Present)
28 years of Financial Services -
Principal, Piper Jaffray (2015 - 2019)
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GKST BMO (1991 - 2015)
Vice President
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Indiana University - BA, Economics
Jennifer Taylor

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Evolution Risk Partners (2022 - Present)
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BCBS (2017 - 2022)
Served as lead underwriter for specialty stop loss programs for Fully Insured Transitions, Level-Funded, and Group Purchasing Risk Pools
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University of South Carolina - BS, Mathematics
Belinda Fortman

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Evolution Risk Partners (2023 - Present)
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Independent Captive Management (2003 - 2023)
Captive Program Development and Management of Regulatory Compliance and Financial Reporting
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State of Tennessee (2020-2021)
- Leader of State Regulation over Captive Insurers
- Certified Management Accountant
- Associate in Risk Management
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ICCIE Fellow
Linda Subbiondo

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Evolution Risk Partners (2022- Present)
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USB/HCC (1991 - 1996)
SL Auditor
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AIG (1996 - 2016)
Stop Loss Claims Manager
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Berkshire Hathaway (2016 - 2022)
AVP of Stop Loss Claims
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California State Fullerton - BS, Child Development
Gina Bell

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Evolution Risk Partners (2023 - Present)
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CIGNA (2006 - 2023)
Leader of Stop Loss Medical Risk Business Development team of 17 nurses
Developed Machine Learning Algorithm to supplement large claim review -
University of Tennessee, BSN, BA Biology
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Southern Adventist University, MBA
Board of Directors
Erica Kasperkowiak

Erica is the founder and practice lead of the Private Equity Human Capital Risk consulting practice at CAC Specialty, an integrated specialty insurance brokerage and investment banking platform. She specializes in advising private equity clients of the holistic picture risks relative to employees in their portfolio and mitigating those risks. Her prior roles include management consulting, benefits consulting, and HR/operations. She holds a unique designation as a Health Rosetta advisor, a think tank cohort working to fix the healthcare paradigm in the US.
John Snyder

John was the Former Head of Medical Stop Loss, Berkshire Hathaway Specialty Insurance where he was responsible for the growth of the business. John also served as the Chief Strategy Officer at AIG Benefit Solutions and Chief Executive Officer at AIG Medical Excess, managing underwriter for catastrophic healthcare risks for AIG.
Paul Yovovich

Paul is a principal and co-founder of Lake Capital, a lower-middle-market private equity firm focused on the services sector. Previously, he served as president of Advance Ross Corporation and in a series of executive positions with Centel Corporation, a leading telecommunications company, including as president of its largest business unit.
Joe Shenton

Joe is a Partner at Summit Trail Advisors. Previously, he was a Director with Barclays Capital by way of Lehman Brothers, where he was a Senior Vice President. Joe began his career in financial services in 2001 with Sanford Bernstein where he was a Principal. He was co-founder and CEO of software service company JobPlex, which he sold in early 2001, and prior to that was Senior Vice President of Operations with business services firm EPS Solutions.