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The Executive Team

Scott Boug

Chief Executive Officer

Scott brings over 25 years of insurance and reinsurance industry experience. As CEO, he leads the Company’s overall business strategy to deliver consistent growth and profitability. He is also actively involved in product pricing, production, product design and regulatory relations, as well as overseeing offshore reinsurance, and maintaining all compliance aspects of the in-force reinsurance.

Before moving to Bermuda in 2017, Scott most recently served as Chief Actuary for Global Bankers Insurance Group, headquartered in Durham NC. He and his team were responsible for all actuarial functions for the insurance group, specifically M&A pricing, new business pricing and Enterprise Risk Management framework. Prior to Global Bankers, Scott held senior level positions as Head of Financial Solutions for SCOR Global Life Americas, Chief Risk Officer at Genworth Financial, life division, as well as other senior-level risk positions at Munich RE, and Aegon.

Scott is a Fellow of the Society of Actuaries, Canadian Institute of Actuaries, a CFA Charter holder as well as a Member of the American Academy of Actuaries. He currently serves on the boards for Northstar and PB Life and Annuity Company Ltd. and enjoys time volunteering at the Bermuda Audubon Society. Scott holds a B.Sc. in Statistics from the University of Western Ontario.

Ana Aroche

Vice President, Regional Director

As a Regional Director at Northstar, Ana helps develop, maintain, and service accounts at the firm. Prior to joining Northstar, Ana exclusively covered the Northstar relationship as a Key Account Manager for Midwood Financial Services Inc., a provider of wholesaling and marketing services in the financial services industry. Ana comes from a banking and brokerage background having worked in the greater Miami area dealing with domestic and international clients who make South Florida their banking and investment hub. Ana’s experience with international clients includes over 10 years at Wachovia Bank and Wachovia Securities, a Wells Fargo Company. After her tenure at Wachovia she helped establish a Registered Investment Advisory Firm before taking a sabbatical to start a family. When it was time to re-join the work force and continue her career in the Financial Services Industry, Ana found the perfect opportunity to use her experience with international clients and the advisors who cover them with Northstar.

Tamara Cain

Senior Vice President, Global Head of Key Accounts

Tamara has over 20 years’ experience in the financial services industry and is responsible for determining the strategic marketing, product and brand strategies for Northstar. Tamara is also responsible for establishing and maintaining relationships with key distributors and their financial advisors. Prior to joining Northstar, Tamara worked for JPMorgan Chase Insurance Group (formerly Banc One Insurance Agency) initially as the Lead Project Manager responsible for the development of the back office functions for the annuity line of business. She was then promoted to the position of Vice President where she led strategic initiatives regarding merger integration, regulatory audits, process and technology enhancements, as well as managing the relationships of third party annuity providers. During her fourteen year tenure at JP Morgan Chase, she led various process improvement initiatives and efforts to implement best practices with respect to annuity sales, suitability and service.

Sanjeev Chowdhury

Senior Vice President, Regional Director (Principal Representative - Middle East, Africa & India)

Sanjeev has more than a decade of business development, marketing, relationship and sales management experience in the financial services industry throughout the Middle East, Africa and Indian Subcontinent. Prior to joining Northstar, Sanjeev was the Regional Vice President for Sun Life International (Bermuda) based out of the Dubai International Financial Center (DIFC) where his main focus was managing and growing business relationships with strategic partners across the region. He was also responsible for implementing marketing strategies on behalf of the company. Prior to joining Sun Life, Sanjeev was Unit Head, Priority Banking for Standard Chartered Bank in Dubai. He has also worked for ABN AMRO Bank as a Senior Relationship Manager for Van Gough Preferred Banking where he was responsible for managing ultra high net worth client relationships. Sanjeev gained his Bachelor of Commerce (Honors) from St. Xavier’s College, Calcutta University and is fluent in English, Hindi, Urdu, and Bengali and has a working knowledge of Punjabi.

Juan Delgado

Vice President, Regional Director

Juan started his financial services career in Sun Life Financial’s International Division in 2012. He began his tenure with a position as a Sales Support Associate for the North & South American regions and was soon offered a position as an Internal Wholesaler directly supporting the Southeast US region. His contribution in this role helped the territory to achieve record production levels and greater brand awareness. He was subsequently promoted to Sales Desk Manager and was responsible for training and supervising the Internal Wholesaler team and he also worked directly with the Head of Distribution on overall strategy and analysis. Shortly thereafter, he was given a new role as Associate Director. Juan completed a Bachelor’s degree in International Relations and Comparative Governments and in Journalism from the University of Central Florida. He currently attends Boston University’s Financial Planning Program and expects to receive his CFP certification shortly. Juan is bilingual in English and Spanish, with a working knowledge of Portuguese.

Joe Machado

Chief Compliance and Operations Officer

Over 27 years in the insurance and financial services fields with Sun Life Financial. Held management and director positions in Operations and Client Management with the Sun Life US and International divisions. Holds a BA in Economics from Northeastern University.

Christopher Mattera

Executive Vice President, Chief Operating Officer

Chris oversees Northstar’s operational processes and technology infrastructure. Chris has over 26 years’ of experience in designing, developing and managing products and operations in the life and annuity industry. Prior to joining Northstar, Chris was Vice President of JP Morgan Chase Insurance Group, where he was responsible for Business Development. During his six year tenure there, he designed, developed and managed the firm’s proprietary annuity program and managed the operational and product relationships with third party annuity providers. He also managed product development for new bank insurance programs. Prior to JP Morgan Chase, he worked for five years at New York Life Insurance Company developing new annuity products and operations and for five years at First Investors Life Insurance Company where he managed fixed and variable annuity operations. Chris is a Fellow of the Life Management Institute (FLMI). He received his BS in Business Administration from St. John’s University.

Alejandro Moreno

Executive Vice President, Global Head of Distribution

Alejandro started his financial services career at Putnam Investments in 1996. During his tenure at Putnam, he held positions in 401K customer service, project management and as AVP for its offshore business. Alejandro’s expertise in the Americas offshore market let him to become Putnam’s relationship and sales representative and in addition he worked with distributors on the sales and marketing of offshore funds. In 2008, Alejandro joined Sun Life Financial International as Key Account Executive for the Americas. In this role Alejandro expanded Sun Life’s presence in major distributors of offshore solutions in the Americas and in 2010 Alejandro started to manage both the Key Account and Sales Team for the Americas. In 2013 Alejandro was promoted to Head of Global Relationships expanding his responsibilities to include the Middle East and Asia. Alejandro completed his undergraduate program at CENP in Madrid. He holds FINRA licenses 6, 7, and 63, and received a Financial Planning certificate from Boston University’s continuing education program. Alejandro is bilingual in English and Spanish and has a working knowledge of French and Italian.

Chris Murphy

Vice President, Business Development

Chris is responsible for establishing and maintaining relationships with key distributors and their financial advisors. In this role Chris is a major contributor in projects related to product enhancements, operational efficiencies and technology enhancements in order to most effectively serve the needs of our distribution partners. Prior to joining Northstar Chris was with JPMorgan Chase for seventeen years, gaining extensive experience in the banking and insurance industry. She received her Master of Business Administration from Marquette University and her Bachelor of Science in Business Administration with a minor in Marketing from Winona State University. Chris was a member of the Business Management Round Table Program for five years at Chase and obtained her investment and insurance licenses.

Ryen Robinson

Senior Vice President, Actuarial, Risk Management and Finance

Ryen is responsible for the actuarial function at Northstar which includes valuation and financial reporting. She is also responsible for risk analysis and product pricing along with regulatory capital and corporate modelling. Prior to joining Northstar, Ryen spent four years at Athene Holding Ltd., Bermuda, as a Senior Actuarial Associate and member of the pricing team. Ryen spent the preceding three years at The Phoenix Companies, Inc in Connecticut as an actuarial associate responsible for annuity valuation and reporting. She began her career as an actuarial consultant at LECG in Farmington having graduated from Boston University with a Masters in Actuarial Science. Ryen also holds a Bachelor of Science in Pure and Applied Mathematics from Boston University and was a teaching fellow in mathematics during her final year. She is a fellow of the Society of Actuaries and a Member of the American Academy of Actuaries.