Meet Our Executives

Pam Kehaly

Pam Kehaly is President and Chief Executive Officer of Blue Cross Blue Shield of Arizona (BCBSAZ). With a mission to improve the quality of life for all Arizonans, she is leading the 2,500-employee company to inspire health through inventive programs, services, and health insurance products.

Pam joined BCBSAZ in 2017 and was quickly recognized by the Phoenix Business Journal as one of the state’s “Most Admired Leaders” and made Arizona Business Magazine’s “Most Influential Women in Arizona” list. Through Pam’s leadership, BCBSAZ has secured a spot in Modern Healthcare’s Best Places to Work in Healthcare list along with being named #1 on Phoenix Business Journal’s Healthiest Employer list in 2020.

Since joining BCBSAZ in 2017, Pam has led the company to number 1 market share, with 23% growth by focusing on consumer needs and company culture. She has been an active leader in the community through COVID-19, mobilizing the BCBSAZ team to help jumpstart two state-run vaccination sites. During the three-month assignment, BCBSAZ managed more than 145,000 volunteer hours, helping Arizonans receive more than 491,000 vaccines.

Among the many initiatives Pam is spearheading is Mobilize AZ, which began in 2018 to address substance use disorder, mental health, and diabetes in Arizona. Mobilize AZ is cultivating cross-sector, community partnerships to build capacity, increase access to care, and strengthen statewide activities and resources for prevention, treatment, resiliency, and recovery in these critical areas of health. So far, BCBSAZ has committed $10 million to fight the Opioid crisis in Arizona.

With more than 30 years of experience in the health insurance industry, Pam has developed an expertise in collaborating with doctors and hospitals to drive results.

Prior to joining BCBSAZ, she served as president of Anthem Inc.'s West Region and Specialty business, responsible for $20 billion in annual revenue. Pam started her career in 1986 with Blue Cross of California, where her various responsibilities ranged from operations to profit-and-loss management.

She earned her bachelor’s degree in business administration from California State University, Stanislaus. She serves as Vice Chair of Greater Phoenix Leadership, and sits on the Board of Directors for UNS Energy, the Arizona Multiple Sclerosis Foundation, The Translational Genomics Research Institute, and the Phoenix Police Reserve Foundation. Additionally, Pam is on the Advisory Board of the Schaeffer Center for Health Policy and Economics at the University of Southern California, and sits on Senator Mark Kelly’s COVID-19 working group.

Dr. Cara Christ, M.D., M.S.

Dr. Cara Christ, M.D., M.S., is Chief Medical Officer for Blue Cross Blue Shield of Arizona. Prior to joining Blue Cross Blue Shield of Arizona, Dr. Christ led the Arizona Department of Health Services (ADHS) as the longest-serving director, also having served as chief medical officer, licensing director, and deputy director of public health since joining the department in 2008.

At BCBSAZ, Dr. Christ oversees the Healthcare Quality Assurance (HQA) department including: Clinical Therapeutics, Provider Partnerships, Clinical Quality, Wellness and Disease Management, Integrated Care Management, Clinical Operations, High-Cost Containment Review, and Medicare Performance (Stars). Healthcare Quality Assurance (HQA) represents clinical and non-clinical teams aiming to make healthcare sustainable for our marketplace and enhance quality of care. To achieve these goals, Dr. Christ’s teams implement programs that drive improvement in clinical outcomes, enhance the customer experience, and maximize value of the healthcare delivery system. These initiatives fall into several focus areas, including affordability, operational excellence, behavioral health, and value-based care.

Being dedicated to public and population health her entire career life, Dr. Christ most recently led the statewide response to the COVID-19 pandemic in Arizona, including the administration of more than 1.6 million doses of vaccine at nationally recognized state mass-vaccination centers and development of a statewide Surge Line to ensure hospital capacity.

She also led the state’s opioid epidemic emergency response, oversaw the state’s Zika prevention activities, and led Arizona’s successful responses to the 2009 H1N1 pandemic influenza, 2014 West Africa Ebola outbreak, and 2015 and 2016 measles outbreaks.

Throughout her public health career, Dr. Christ has coordinated Arizona’s public health surveillance systems, implemented public health interventions, provided leadership and public health expertise for the Arizona State Health Improvement Plan, recruited and supported hospitals for certification as “Infectious Disease Treatment Centers of Excellence,” led the implementation of the Maternal Mortality Breakthrough Action Plan, and overseen the development and implementation of 20 articles of rules, allowing for integration of behavioral and physical health while streamlining and decreasing the regulatory burden for Arizona’s health care institutions.

Dr. Christ, an Infectious Disease Epidemiologist, earned a Bachelor and Master of Science in Microbiology from Arizona State University. She earned her Doctor of Medicine from the University of Arizona College of Medicine in Tucson.

A passionate fan of all things Disney, she also holds a “Ducktorate” from Disney University in Disney-style management. Dr. Christ is a busy mom to three school-age kids and, when she is not busy working, you will find her playing with her family in a Disney Park or training for her next runDisney half-marathon.

Mark El-Tawil

Mark El-Tawil serves as senior vice president and chief financial officer (CFO) for Blue Cross Blue Shield of Arizona (BCBSAZ). In this role, he provides direction and accountability for all financial planning and management functions, as well as supports the organization's strategy and goals.

Mark’s extensive business management background coupled with his ability to work collaboratively make him a key part of BCBSAZ’s plans for advancement and growth.

With more than 25 years of experience, Mark has spent his career leading operations for health insurers and physician networks.

Before joining BCBSAZ in 2018, Mark served as CFO for the P3 Health Group. He previously served as VP & West Division leader for Humana, where he worked for nearly 10 years. He also served as the Chief Senior Product Officer and Arizona market president for Health Net, as well as Regional Vice President and regional CFO at PacifiCare Health Systems (now owned by United Healthcare).

Mark has lived in Arizona for more than 30 years and is dedicated to the community. He served on the boards of several charitable and civic organizations, including Make-A-Wish® Arizona and John C. Lincoln Health Foundation.

Mark holds a Bachelor of Science in Business Administration from Central Michigan University, and advanced study certificates in healthcare from both the Haas School of Business at UC Berkeley and Harvard BP.

Maureen Fahey

Maureen Fahey serves as Chief of Staff, in the Office of the CEO, where she supports the execution of the CEO’s agenda for both strategic advancement and operations excellence. Additionally, Maureen serves as the liaison to the BCBSAZ Board of Directors, in support of the Board’s functions. Maureen joined BCBSAZ in 2019.

Prior to joining BCBSAZ, Maureen led regional and national healthcare strategy and operations practices, in provider and plan segments, at two different public accounting consulting firms. Additionally, Maureen has held administrator positions in both acute hospitals and outpatient programs.

Maureen holds a Master of Business Administration in Finance, Bachelor of Science in Nursing, and a Public Health Nurse Certification all from the University of San Francisco.

Beth Ginzinger

As chief strategy officer for Blue Cross Blue Shield of Arizona (BCBSAZ), Beth Ginzinger is responsible for developing the company’s foundational and transformational strategies and overseeing the company’s annual strategic planning process. With over 25 years in healthcare strategy leadership roles, her expertise helps BCBSAZ expand the meaningful work we do on behalf of our members and identify opportunities to improve quality of life for all Arizonans.

Beth joined BCBSAZ in 2018 from Anthem Inc., where she served as vice president for provider joint ventures. There, she was instrumental in developing and deploying collaborative provider arrangements that focused on delivering greater value to customers. Prior to that, Beth was president and CEO of Radiant, a WellPoint subsidiary, where she held profit-and-loss management, sales, and operations responsibilities.

In addition to her role as chief strategy officer at BCBSAZ, Beth serves as the Chief Risk Officer overseeing our Business Continuity and Enterprise Risk Planning and Management processes and sits on the board of directors of Trinnovate Ventures, a BCBSAZ healthcare venture capital firm.

Beth moved from Southern California to Arizona when she joined BCBSAZ, and she and her family have embraced Arizona as home. She and her husband have two children and enjoy active involvement in their children’s sports and school life.

She holds a Bachelor of Science degree in nursing from Vanderbilt University, a Master of Business Administration from Eastern Michigan University, and earned a Lean Six Sigma Black Belt.


Mike Pencek

As chief information officer for Blue Cross Blue Shield of Arizona (BCBSAZ), Mike Pencek provides leadership to BCBSAZ’s information technology organization, supports both short-and long-term planning of infrastructure and operations, and guides strategic implementation of the company’s technology portfolio. With more than 24 years of experience in technology, Mike is instrumental in leading the company’s IT organization through transformational changes as we leverage emerging technologies to simplify access to quality healthcare for Arizonans.

Mike joined BCBSAZ in April 2019 from his role at Honeywell International, where he was a vice president and CIO responsible for the company’s global infrastructure, platforms, and operations, and led an organization of more than 240 employees. Prior to Honeywell, he spent 13 years with Motorola Solutions, Inc., where he eventually served as vice president of information technology and spearheaded major transformation programs across information technology.

He holds a Bachelor of Science Degree in computer science from Lewis University and a Master of Business Administration degree from the Keller Graduate School of Management. Mike also served on the Customer Executive Advisory Board with Cisco Systems, and was previously a member of the Cloud Executive Steering Committee with Computer Sciences Corporation.

Paige Rothermel

As the chief operating officer for Blue Cross Blue Shield of Arizona (BCBSAZ), Paige oversees Information Technology as well as the P&L performance for all business segments including Individual, Medicare & Federal Employees, Commercial, and our newest segment, Medicaid. Since her arrival in 2018, BCBSAZ has seen 11% organic membership growth while delivering consistent operating gain margin. Paige is responsible for igniting new business opportunities, while transforming technologies to keep pace with customer and consumer expectations. In her unwavering commitment to serve our customers and our Arizona community, Paige is helping to drive the company’s mission to provide the best value in health insurance and to improve quality of life for all Arizonans.

Paige joined BCBSAZ in 2018 from Anthem Inc., where she served for more than 30 years. In her role as vice president and general manager, she led the California Large Group segment including sales, underwriting, marketing, and account management serving more than 3.4 million members. As a result of the strategic growth initiatives Paige championed, she nearly doubled the financial value of the California group business in three years. Paige began her career in 1987 with Blue Cross of California. Beginning in IT, she advanced through the ranks of finance, operations, and sales, and eventually transitioned to key account executive and leadership roles.

Continuing to build on her established reputation as a change driver and strong customer relationship builder, Paige is an industry leader, delivering on her promise to develop and implement innovative solutions that are driving growth, account retention, and financial performance. In addition to her role as chief operating officer, Paige chairs the subsidiary board for Blue Advantage, our Medicare subsidiary and Health Choice of Arizona, our Medicaid subsidiary. She also serves on the board of directors of Trinnovate Ventures, a BCBSAZ healthcare venture capital firm, the Phoenix Art Museum, and actively supports many charitable organizations.

Deanna Salazar

As chief administration officer and general counsel for Blue Cross Blue Shield of Arizona (BCBSAZ), Deanna Salazar directs the company’s Community Relations, Government Affairs, and Legal teams. The Legal Division advises the company in matters such as risk assessment, contracting, regulatory compliance, and litigation management. She also oversees BCBSAZ’s federal and state legislative activities, community service activity, and the office of the corporate ombudsman.

Deanna also has served BCSBAZ as senior vice president and general counsel, vice president of human resources, and began her service with the organization in 1999 as associate general counsel.

Prior to joining BCBSAZ, Deanna was a partner with the Phoenix law firm of Lewis and Roca, Senior Counsel with Wells Fargo Bank, and Senior Counsel with Employee Solutions, a professional employer organization.

Deanna is a member of the Arizona and Colorado state bars. She is a member of the Board of Directors of Teach for America, Expect More Arizona, and The Sandra Day O’Connor Institute. She is a recipient of the Valley Del Sol’ Profiles of Success Exemplary Leadership Award and the Los Abogados Community Service Award.

Deanna received a Bachelor’s degree from Adams State College and a juris doctorate degree from Arizona State University College of Law.

Mary Semma

As the chief audit and compliance officer of Blue Shield Blue Cross of Arizona (BCBSAZ), Mary is responsible for planning, developing, and overseeing procedures and systems used in internal auditing, as well as recommending, monitoring, and educating BCBSAZ staff on procedures related to the company’s compliance and privacy programs, fraud-prevention efforts, and conflict-of-interest policies.

After joining BCBSAZ as a senior auditor in 1988, Mary became vice president of internal audit in 1998. In 2006, she transitioned to the role of vice president of provider network management, and in early 2011 she assumed the role of vice president, corporate integrity and privacy officer. She took on her current role in mid-2014.

Mary is a member of the Arizona Society of Certified Public Accountants, the American Society of Certified Public Accountants, the International Association of Certified Fraud Examiners, and the International Institute of Internal Auditors. She is a Ballet Arizona board member and has also served as a board member for Ronald McDonald House Charities of Phoenix. She has volunteered for other non-profit organizations, including Junior Achievement and the Phoenix Zoo.

Mary is a graduate of Northern Arizona University with a degree in accountancy and holds the designations of Certified Public Accountant (CPA) and Certified Fraud Examiner (CFE)

Lori Turner

Lori Turner joined Blue Cross Blue Shield of Arizona as chief marketing officer in April 2020. She is responsible for strategic marketing, branding, public relations, and internal and external communications in support of BCBSAZ’s purpose to Inspire Health across Arizona.

With nearly 35 years as a marketing professional, Lori has successfully built brand, reputation, and market share for financial services and insurance companies, health systems, and a variety of retail and B2B clients.

Prior to joining BCBSAZ, Lori served as Chief Marketing, Innovation, and Customer Experience Officer for Beacon Health System in Northern Indiana. There, she developed the Beacon brand and introduced digital transformation to more closely connect to patients and customers. Lori also served as Vice President of Marketing for Kettering Health Network in central Ohio, and operated her own marketing firm for 18 years.

Lori’s marketing philosophy focuses on listening to and understanding the needs of customers, and designing products and promotions to meet those needs. With the belief that customers want to interact with and manage their health just like they manage every other part of their life, Lori is passionate about building energetic, insightful teams driven to give customers an exceptional experience.

Lori moved from Indiana to Arizona to join BCBSAZ. She holds a Bachelor of Arts from the College of Mount St. Joseph and a Master of Business Administration from the University of Dayton

Greg Wells, CCP, CBP

As vice president and chief human resources officer for Blue Cross Blue Shield of Arizona (BCBSAZ), Greg is responsible for leading the organization’s human resources programs. His team oversees the benefits, compensation, communications, talent development, succession planning and employment of over 1,500 BCBSAZ staff members across the state.

Since joining the organization in 2005, Greg has helped to lead the company’s initiative to be recognized as a premier Arizona-based employer. He is also committed to increasing employee awareness and alignment with the company’s mission, vision, and values.

Prior to joining BCBSAZ, Greg served as the director of human resources for WorldatWork, a global not-for-profit educational association focusing on compensation, benefits, and total rewards. Before that, he was the director of human resources for Blood Systems, a multisite, national healthcare provider. At Blood Systems, Greg worked at the corporate headquarters, where he oversaw employment, affirmative action, employee relations, labor relations, safety, and loss-control initiatives.

In addition to his role as chief human resources officer at BCBSAZ, Greg is an active volunteer in his community. He currently serves as chairman of the board for the Southwest Autism Research & Resource Center and as a past-chairman and board member for the Children’s Action Alliance.

Greg received a bachelor’s degree in human resources from the University of Arizona and also served more than eight years in the U.S. Marine Corps Reserve.