Trust oversight is provided by an 11-member committee, consisting of six independent members and five members appointed by the UAW. The Committee is responsible for designing and delivering benefits to eligible UAW retirees, surviving spouses and dependents. For more information on the Trust, visit the History page.

Below you can review the biographies of the Trust committee and leadership.

Committee Biographies


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Robert Naftaly (Independent Trustee)

Robert Naftaly, C.P.A, is the retired President and Chief Executive Officer of PPOM, an independent operating subsidiary of Blue Cross Blue Shield of Michigan (BCBSM), and a former Executive Vice President and Chief Operating Officer of BCBSM. Prior to holding those positions, he served as the Chief Financial Officer of BCBSM. From 1983 to 1987, Naftaly served as the director of the Department of Management and Budget of the State of Michigan. He has served on several other boards, including the Detroit Investment Fund, Walsh College, Meadowbrook Insurance Group, Blue Cross Blue Shield of Maryland, and the Wayne State University Board of Governors.


Rory Gamble

Rory Gamble was elected a vice president of the UAW in June 2018. Following that election, UAW President Gary Jones assigned Gamble to lead the UAW’s National Ford Department. Gamble previously served three terms as director of UAW Region 1A.

Gamble, a welder fixture repairman, joined the UAW in 1974 when he was hired at the Ford Motor Co. Dearborn (Mich.) Frame Plant. He immediately became active in UAW Local 600 and has since served in numerous elected and appointed positions.

In 1998 and 2003 Gamble served on the UAW-Ford National Negotiating Team. From 1993 to 2002 he was elected to three terms as the local’s recording secretary. Gamble was elected first vice president of Local 600 in 2002 and re-elected in 2005.

In 1999 Gamble received the Spirit of Detroit award; the 2006 Horace L. Sheffield Jr. Humanitarian Award; and the 2008 Minority Women’s Network (Detroit chapter) Man of the Year award. He is a member of the Coalition of Black Trade Unionists, the Trade Union Leaders Council, the Michigan Humane Society and a life member of the NAACP. He serves on the board of Bridging Communities, a grassroots collaborative of Southwest Detroit businesses, labor organizations, churches and residents.
In addition, he is co-chair of the Michigan Labor History Society, treasurer of the Rouge Employees Credit Union and a lifetime supporter of Southwest Detroit Little League.
Gamble is a graduate of the labor studies program at Wayne State University. He lives in Detroit and is the father of five children: Anthony, Rory Jr., Raenard, Rashaun and Rahshidah, and grandfather to 34 grandchildren and 1 great grandchild.

Ray Curry

Ray Curry was elected UAW secretary-treasurer in June 2018. Curry was first elected director of UAW Region 8 in June 2014, after having served four years as the region’s assistant director.

As Region 8 director, Curry was instrumental in securing new labor agreements with various parts suppliers. In July 2015, under his leadership, the region successfully organized the first gaming bargaining unit of Region 8 as part of a coalition of four other unions to represent the Horseshoe Casino in Baltimore, Maryland. In October 2017 the combined coalition reached its first individual collective bargaining agreements. UAW Local 17 represents the table dealers. Under Curry’s leadership, the region also won an election for representation at MGM National Harbor in Oxon Hill, Maryland, in June 2018, bringing 950 new members into the union.

A North Carolina native and military veteran, Curry served three years on active duty in the U.S. Army and five years in the U.S. Army Reserve. He is a graduate of the University of North Carolina at Charlotte with a Bachelor of Science degree in Business Administration / Finance. He holds a Master of Business Administration, MBA, degree from the University of Alabama.

Curry joined the UAW in July 1992 when he hired in as a truck assembler at Freightliner Trucks in Mount Holly, North Carolina, (now Daimler Trucks, NA) and later became a quality assurance inspector. He remained in that job until 2004. His first involvement was on the local’s civil rights committee and as a delegate for the area A. Philip Randolph Chapter.

He is the 2017 recipient of the A. Philip Randolph Leon Lynch Lifetime Achievement Award as well as the 2017 recipient of the Tennessee State AFL-CIO Presidential Award. A longtime grassroots activist, Curry is a member of Mount Zion Baptist Church in Nashville, and a Silver Life member of the NAACP. He is also an active member of numerous community and social organizations including but not limited to the Tennessee State Democratic Party, American Legion Post 177 in Murfreesboro, Tennessee, Unique Masonic Lodge #85 and Charlotte Consistory #35 in Charlotte, North Carolina, and various others. He resides in Detroit.
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Cindy Estrada

Cindy Estrada is serving her third term as a Vice President of the UAW. She is a longtime union organizer and social activist. After graduating from the University of Michigan with a bachelor's degree in education, Estrada began organizing. In 1995, she was assigned to help organize workers at Mexican Industries in southwest Detroit. That organizing campaign resulted in one of the largest UAW victories for Spanish-speaking manufacturing workers. That win, along with other significant UAW organizing successes, led then-UAW President Stephen P. Yokich to appoint Estrada to the International's organizing staff in 2000. She was first elected as Vice President in 2010 and is the first Latina elected to serve as an International officer. During her first term as a UAW Vice President, her responsibilities included directing the UAW Independents, Parts and Suppliers/Competitive Shop Department; Public Sector & Health Care Servicing Department and the Women's Department. She was re-elected in 2014, and was assigned to lead the UAW’s General Motors Department, along with the Women’s Department. Upon her re-election to a third term as Vice President in June 2018, UAW President Gary Jones assigned Estrada to lead the UAW’s Fiat-Chrysler Department and continue her leadership of the Women’s Department.
Vacant Seat - UAW Appointed
Vacant Seat - UAW Appointed


Mark Anson

Mark Anson is head of Commonfund, Chief Investment Officer, and the Chairman of the Boards of Commonfund Capital, Inc. and Commonfund Asset Management Company, Inc. Previously, he was the President and Chief Investment Officer for the Bass Family Office, which was recognized as Family Office of the Year for 2014 and 2015. He was the President of Nuveen Investments, a full-service asset management company with over $250 billion in assets under management. Prior to Nuveen, Mark served as the Chief Executive Officer and Chief Investment Officer for the British Telecom Pension Scheme (“BTPS”), the largest institutional investor in the UK with assets of £65 billion. In addition, Mark was the CEO of Hermes Pensions Management in London, a £55 billion asset management company that is wholly owned by the BTPS. Prior to joining BTPS, he served as the Chief Investment Officer of the California Public Employees’ Retirement System, the largest pension fund in the United States with over $300 billion in assets. He also serves on the Editorial Board of MSCI-Barra, the Board of the Northwestern University School of Law, the Toigo Foundation, and the Board of the Chartered Alternative Investment Association. He is a past member of the Board of Governors for the CFA Institute. Mark has published over 100 investment articles in professional journals and has won three Best Paper Awards. He is also the author of five financial textbooks including the Handbook of Alternative Assets, which is the primary textbook used for the Chartered Alternative Investment Analyst program. Mark earned a B.A. in Economics and Chemistry from St. Olaf College, a Ph.D. and Masters in Finance from Columbia University Graduate School of Business, and a J.D. from Northwestern University School of Law, all with honors. He has also received several industry awards in recognition of his leadership in asset management. Last, Mark has earned the Chartered Financial Analyst, Chartered Alternative Investment Analyst, Certified Public Accountant, and Chartered Global Management Accountant professional degrees, and he is a member of the Bar of the State of New York.
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Teresa Ghilarducci

Teresa Ghilarducci is a labor economist and nationally-recognized expert in retirement security. An economics professor at The New School, Ghilarducci serves as the Bernard L. and Irene Schwartz Chair in economic policy analysis and directs the Schwartz Center for Economic Policy Analysis (SCEPA) that focuses on economic policy research and outreach. Ghilarducci joined The New School in 2008 after 25 years as a professor of economics at the University of Notre Dame and 10 years as director of the school’s Higgins Labor Research Center. She was twice appointed by President Clinton to the Pension Benefit Guaranty Corporation advisory board, serving from 1995-2002. As an author, her most recent book, “When I’m Sixty Four: The Plot Against Pensions and the Plan to Save Them” – which investigates the loss of pensions on older Americans and proposes a comprehensive system of reform. She also frequently publishes in refereed journals, testifies before the U.S. Congress, and is a media source to popular and online news outlets about pensions and labor economics.
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David Baker Lewis

David Lewis currently serves as Chairman of Lewis & Munday, a Detroit based law firm with offices in Lansing, New York, Washington and Seattle. Lewis has specialized in municipal finance since 1974 and has extensive experience in all aspects of municipal finance law. He has served as Lewis & Munday's lead attorney on many municipal bond offerings over the years. Lewis is a former Board of Director member of the National Association of Bond Lawyers and is former Chairman of the National Association of Securities Professionals. Lewis received his Bachelor of Arts degree from Oakland University in Rochester, Michigan, majoring in business administration. He earned his Master of Business Administration degree from The University of Chicago Graduate School of Business, and was awarded his Juris Doctorate from The University of Michigan Law School. Mr. Lewis has served on the boards of numerous professional, educational and civic organizations. Particularly noteworthy is his service as a former assistant professor of law at the Detroit College of Law and former member and chairman of the Board of trustees of Oakland University. Currently, Lewis serves as a member of The Kroger Company Board of Directors, STERIS Corporation Board of Directors and the Board of Directors of H & R Block. He is a former Director of Comerica, Inc., TRW, Inc., LG&E Energy Corp., M.A. Hanna Company and Consolidated Rail Corporation (Conrail).
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William Patterson

William Patterson is the Executive Director of the CtW Investment Group, which he established in 2006 under the auspices of Change to Win, a federation of North American unions representing five million members. CtW affiliates sponsor Taft Hartley pension and benefit funds with $200 billion in assets. Patterson works with funds to promote the interests of worker beneficiaries in the capital markets, specifically by leading shareholder initiatives to enhance corporate governance, accountability, and advocating for effective legislative and regulatory reform. Patterson’s investment work with unions and their pension funds dates to the 1980s when he helped unions lead employee buyouts to retain manufacturing jobs. He has served as co-chair of the Council of Institutional Investors and on the World Bank’s Private Sector Advisory Group (PSAG) for the Global Corporate Governance Forum. In 2008, “Directorship” magazine named him to the Directorship 100, as one of the most influential people in corporate governance.
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Douglas R. Woll, MD., F.A.C.P.

Douglas Woll is a physician and a Fellow of the American College of Physicians. After conducting an active medical practice in Michigan for several years, he served as the Chief Medical Officer for several large health Plans in Michigan including Maxicare’s Independence Health Plan, SelectCare and Blue Care Network of Michigan. Dr. Woll brings expertise in benefit design, medical policy, clinical care delivery, provider reimbursement, medical management and quality improvement. His focus is on assuring that participants consistently receive medically-appropriate high quality health care services. He is currently the chief strategy officer for BENCON LLC, a health care consulting company.

Leadership Biographies

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Francine Parker
Executive Director

Francine Parker is the executive director of the UAW Retiree Medical Benefits Trust. She has over 40 years of health care experience—starting in 1971 at Blue Cross Blue Shield of Michigan. In 1979, she began her career at Health Alliance Plan (HAP) as one of 14 original employees. During her tenure at HAP, she worked her way through the ranks of various positions until 2004 when she was named president and chief executive officer and senior vice president of insurance-purchaser relations for Henry Ford Health System. She retired from HAP in 2008 and was asked to lead the implementation efforts establishing the UAW Retiree Medical Benefits Trust – the largest non-government purchaser of retiree health care in the United States.

Parker sits on the Board of Trustees for the Dana, Bosch, Daimler, Mack and ACC Voluntary Employee Beneficiary Associations (VEBAs); the Board of Directors of the Greater Detroit Area Health Council; and the Alliance for Health Reform Board of Directors. She completed eight years on the Board of Regents for Eastern Michigan University, serving the last two years as Regent Chair.
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Mary Beth Kuderik
Chief Strategy & Financial Officer

Mary Beth Kuderik is the chief strategy and financial officer of the UAW Retiree Medical Benefits Trust. Since joining the Trust in 2009, Kuderik’s responsibilities include strategic planning of healthcare operations, the Trust’s internal and external financial and regulatory reporting, finance management and operations, investment operations and independent risk management, purchasing, regulatory filings, budgeting, forecasting, analytical review of activities, carrier finance negotiations and contracting. Kuderik’s team has generated substantial annual cash savings and improvements for the Trust.

Prior to joining the Trust, she was with General Motors for 28 years where she specialized in financial management, post-retirement benefits, health care finance, auditing, and compliance and controls. Additionally, she directed $59 billion U.S. post-retirement benefit obligation (OPEB) finance operations and $4.6 billion U.S. health care cash management and forecasting activity.

Kuderik received a Master of Healthcare Delivery Science degree from Dartmouth and a bachelor’s degree in accounting from the University of Dayton. She served on the City of Detroit Financial Advisory Board and is a Certified Public Accountant and Certified Management Accountant.
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Hershel Harper
Chief Investment Officer

Hershel Harper is the chief investment officer (CIO) of the UAW Retiree Medical Benefits Trust. With more than 18 years of institutional investment experience, he leads the Trust's investment strategy.

Prior to joining the Trust, he served as the CIO of the South Carolina Retirement System Investment Commission (RSIC), the governing body responsible for investing and managing all assets for the South Carolina Retirement System. In that position, he was responsible for developing investment policies and strategy, asset and risk allocations, overseeing manager due diligence, and managing a team of 20 investment professionals. He also collaborated with the Executive Director on strategic planning, budgeting and communicating with key stakeholders (retiree and employee associations), including the General Assembly. Harper also previously served as the Chair of the Internal Investment Committee, and was designated as the Commission’s key decision maker for Strategic Partnerships, and was the primary liaison with the Investment Consultant. Prior to joining RSIC, Harper worked with organizations including Banc of America Capital Management, Columbia Management, Evergreen Investments and State Street Global Advisors.

Harper earned his master’s degree in finance from Louisiana State University and his bachelor’s degree in finance from Louisiana Tech University. He earned his Chartered Financial Analyst (CFA) designation and remains a member of the CFA Society of South Carolina.
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Meredith Miller
Chief Corporate Governance Officer

Meredith Miller is the chief corporate governance officer of the UAW Retiree Medical Benefits Trust. She oversees the Trust’s corporate governance program for domestic and international equities, including building relationships with the Trust’s investment managers around sustainability issues and proxy voting practices.

Miller joined the Trust in 2010 after serving 12 years as Assistant Treasurer for Policy for the Connecticut State Treasurer. In this capacity, Miller was responsible for the Treasurer’s initiatives related to corporate governance for the Connecticut Retirement Plans and Trusts, economic development and financial education. Miller previously served in the Clinton Administration as the Deputy Assistant Secretary for Policy, Pension and Welfare Benefits Administration, U.S. Department of Labor. Miller also served as the Assistant Director of the Employee Benefits Department, AFL-CIO and previously as the Assistant Director of Research for Employee Benefits, Service Employees International Union.

Miller received a Bachelor’s of Arts degree from Hampshire College, Amherst, Massachusetts and a Master’s of Science degree from the London School of Economics, London, England.
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Charlotte Decker
Chief Information Officer

Charlotte Decker is the chief information officer for the UAW Retiree Medical Benefits Trust. Since joining the Trust in 2014, Decker's responsibilities include information technology and the project management office (PMO) for both Trust medical benefits operations and investment operations. She has established mature, sustainable IT and PMO processes, tools, and technology to support the Trust’s needs. She has optimized existing solutions and processes to ensure value and cost containment. She led the selection, deployment and support of Investment Systems necessary to support a $60 billion portfolio. She also developed and tested the Disaster Recovery plan and has implemented Cyber Security solutions, policies, and processes to address vulnerabilities.

Decker has over 25 years of experience across seven major industries: medical benefits, financial and investment, property and casualty insurance, automotive OEM, specialty retail, and tier-one automotive supplier. She has managed large organizations (250+ staff) and multi-million dollar capital and expense budgets.

Decker holds an MBA in corporate strategy, a Master’s and Bachelor’s degree in computer engineering, ll from the University of Michigan in Ann Arbor.
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Gina Buccalo, M.D.
Chief Medical Officer

Gina Buccalo is the chief medical officer at the UAW Retiree Medical Benefits Trust (the “Trust”) where she provides overall leadership and strategic direction to the organization’s population health and pharmacy programs. Since joining the Trust in 2017, Dr. Buccalo has focused on advancing integrated care models, innovations in provider strategies, promoting primary care utilization within clinically integrated provider networks, and providing oversight on new clinical programs designed to enhance Trust members’ health care and quality of life. On behalf of the Trust, Dr. Buccalo participated in The Alliance for Health Policy’s 2018 Signature Series Opportunities for Progress on Aging in America. In this forum, she contributed to a thought leader discussion, sharing the Trust’s approach to caring for older adults, successes, challenges, barriers, and future opportunities.
Before joining the Trust, she served as the chief medical officer and leader of St. John Providence Partners in Care (PIC), a joint venture partnership Physician Hospital Organization (PHO) between Ascension Michigan St. John Providence Health System and The Physician Alliance. Dr. Buccalo is the former president of the Macomb Physicians’ Organization, PLLC, and a founding partner of The Physician Alliance. As a board-certified internal medicine physician, she practiced in Metro Detroit for more than 25 years. She has a Bachelor of Science degree in chemistry from Northern Michigan University and a medical degree from Michigan State University’s College of Human Medicine where she completed internal medicine training.