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Aly Rehmat, Client Consulting and Development Associate, Bsc. MHA. CTFL 

A graduate from Simon Fraser University’s Bachelor of Science program and University of British Columbia’s Master of Health Administration, Aly has a passion for continuous learning and helping others. This passion may be in Aly’s blood as both of his parents and older brother were all involved in the insurance world. He was drawn to the idea of employee benefits because of the ability to help people with their health even though it’s not in a primary care sense. Aly is inspired knowing that he has the ability to make a difference for many individuals on a daily basis.

Aly’s proudest achievements to date are getting married to the love of his life and having a beautiful son and daughter. From how well his parents raised him and his siblings, Aly is driven to provide a fulfilling life for his family. Aly also feels a large sense of pride from helping people in any way possible—that is why he volunteers often within the Ismaili community helping out in various capacities.

Aly can often be found on vacation in Hawaii, where he has been at least once per year for the last nine years, or supporting the 12th man at a Seahawks game in Seattle!


Arthur Chung, CEO, CMA, CPHR, CFE

Arthur joined the BCCA Employee Benefit Trust in October 2009 as their Vice President overseeing Operations and has been in the role of Chief Executive Officer since September 2016.

With over 25 years of experience in the employee group and individual healthcare benefits industry in numerous senior capacities, he joins his team in bringing passion and focus into looking after the Trust membership.

Arthur is designated as a Chartered Professional Accountant (Certified Management Accountant), Chartered Professional in Human Resources and a Certified Fraud Examiner.

Most of Arthur's (and his wife's) time outside the office is spent cheering their three boys on the soccer pitch and in the pool.

Favourite quote - "Life is like riding a bicycle. To keep your balance you must keep moving." - Albert Einstein

Ashley Williams, Group Administration Associate

Ashley has been helping people for most of her life, starting in her teenage years with working at her mother’s costume shop, as a dance teacher, as well as at a fitness center. She learned many things from her early job experiences, including patience, organization, responsibility and being accountable. She made the leap into the insurance world a few years ago and hasn’t looked back. She loves the team and culture at BCCA Employee Benefit Trust, and continues to help people in her role as Group Administration Associate.

When she’s not hard at work, Ashley likes to hike, crochet, read, and spend time with friends. She also enjoys watching movies (anything Disney and Star Wars are at the top of her list) and listening to music (classics as early as the 1950’s are her jam). She’s an open book, and has confessed that she has a fear of spiders and that her day wouldn’t be complete without a shower (and the team is grateful for that!). Her best vacation was to Beijing where she had a memorable moment being on the Great Wall during a thunderstorm.

Charlene da Cruz, Client Development Consultant

Joining the BCCA Employee Benefit Trust team as the Client Development Associate, Charlene comes well-armed with education, experience and a strong desire to help people. She completed her Bachelor’s Degree at Simon Fraser University with a major in French and a minor in Education, with a specialization in counselling and human development. Shortly after university, Charlene decided to join the insurance industry where she came to appreciate what the insurance industry offers – variety, and the opportunity to meet and help people. She has since then obtained her CEBS primer and her GBA I and moved into her current role as a Consultant.

Charlene has a love of travel which likely stems from her childhood. She was born in the Middle East and raised in Bahrain, India, Kuwait and Canada. Charlene calls Vancouver home but likes to explore the world and what it has to offer, especially places that include beaches and warm weather.

In her role with BCCA Employee Benefit Trust, Charlene will be working with our potential clients and existing plan members. If you have any questions about your benefit plan, or employee benefits in general, Charlene would be happy to help.


Colleen C.F. Cadez, CPHR, Director, Client Consulting & Development 

Colleen has been with our team since 2011 and has provided clients with exceptional customer service and attention. She graduated from Simon Fraser University with a B.A in Political Science and a minor in History; and through networking, Colleen found herself immersed in the world of insurance. She eventually came to BCCA Employee Benefit Trust and felt she was a perfect fit since the atmosphere reflected her own personality – supportive, helpful, and friendly.

If you want a change in your plan, or if you need suggestions on how you can tailor your plan to fit the needs of your employees, Colleen is the person for you. She is armed with positivity and a welcoming personality, you can be sure that all your questions will be answered and that your plan changes will be delivered with a smile. Colleen is also fluent in Portuguese … so if you speak Portuguese, remember to ask for Colleen!

Colleen’s "sunshines” in life include her family and friends – anything that her children do will make her smile and glow with pride. She also enjoys baking sweet pastries (lucky us!) and treats for her boys and daughter and understands the importance of nurturing all relationships in her life.


David Main, Director of Finance & Administration

We would describe our number cruncher, David Main, as a ‘strong, silent type’. You never know what he might be thinking! David looks and acts exactly how you would picture an accountant would be – all serious and analytical with an extra sharp pencil in his pocket ‘just in case’. But then every once in a while, he comes out with some very insightful and often-funny one-liners that are so unexpected, you fall off your chair!

Like many strong and silent types that you may know, he holds great influence with those around him. For example, since he comes into the office only a few days a week, he has somehow managed to change the day Patricia brings in her homemade banana bread to a day when he is sure to be around.

It’s hard to know what he does for fun, because he’s sticking to his ‘accountant’ cover on this question. However, he has been seen riding his bike to work in the summer, so perhaps there’s more to David than he lets on.


Jane Gallagher, Executive Assistant

Jane is our Executive Assistant, providing support to our CEO and Board of Trustees. She joined the BCCA
Benefit Trust team in September 2015.

Jane is the Aussie of the office, continuously confusing the staff using Australian slang or "Aussie-isms” as she

calls it. Jane’s work experience spans between her life back in Australia and here in Canada. She has worked as 
an Executive Assistant for a number of years and has top notch organization skills that have been put to good use here at BCCA Employee Benefit Trust. In her role, Jane provides full executive support to the CEO and Board of Trustees. She has created policy handbooks for the office to help keep everyone on track, inspiring other departments to do the same.

Outside of work Jane has a number of hobbies. She likes to stay active and enjoys snow skiing, bike riding and kick-boxing. She is also well travelled and believes the education and life experience gained from travelling is simply amazing. She is consistently inspired by learning and education and feels a glow of pride when she achieves a goal she has set for herself.

Joanna Chui, Practice Leader, Operations

Joanna joined the BCCA Employee Benefit Trust in July 2010 as the Team Lead of Operations.

Joanna began her employee benefits career in a national pension and benefits consulting firm in 2001. Joanna is well versed in various areas of operations from day-to-day administration, client service and consulting, quote and renewal production, process/procedure setting, to strategic business planning. Her experience led her to a role where she led a multi-function team consisting of underwriting, finance and communications.

Prior to working in employee benefits, Joanna spent 3 years quantifying the economic damages when wages or profits were interrupted by the negligence of others. This involved preparing economic reports for lawyers or insurers for use in court. These included calculating non-pecuniary losses such as the loss of income, loss of dependency, loss of housekeeping capacity and out-of-pocket cost when somebody is disabled.

Joanna’s strengths lay in her comprehensive approach, in relationship building, and in operational infrastructure development/implementation. A dynamic and motivated leader, Joanna brings a diverse and comprehensive range of benefits administration knowledge to the BCCA Employee Benefits.

Outside of work, Joanna enjoys spending time with her loved ones. She claims her daughter is the cutest person in her world.


Laura Bonney, Client Consulting and Development

With the help of her mother, who worked for Mercer, Laura found herself working part time in insurance during her high school career. She moved on to working full time with Great West Life (GWL) after graduation in Winnipeg, and eventually to the Vancouver branch. After several years with GWL, Laura moved on to Pacific Blue Cross, working with several department teams and with clients. With a Certified Employee Benefit Specialist (CEBS) Primer and a Fellow, Life Management Institute (FLMI) Level 1 Certificate, Laura now brings her experience and passion of helping people to our office.

As a very caring individual, Laura fits the insurance world perfectly. If she could change anything about the world, it would be the ability for everyone to have the opportunities and lifestyle that we're fortunate to have in Canada, so that everyone could live a more joy filled life. Laura is driven by kind, genuine people around the world. When asked where she gets her sense of pride from, she feels happy when she sees her three younger siblings being content and successful.

Moving to Vancouver from Winnipeg in 2009, Laura loves the hiking and road trip opportunities available in beautiful British Columbia (always accompanied by her puppy, Charley). If she is not outside, Laura will be found binge watching crime shows on Netflix.  

Nina Marcinkow, GBA, Client Services Manager

Working on her GBA (Group Benefits Associate) designation, Nina joined the BCCA Employee Benefit Trust team to work with clients answering questions, helping with forms and to be a resource for employers and employees alike. Nina started her benefits career in the client centre with one of our partner organizations and has continued to learn and develop her expertise through exposure to other departments, projects and organizations. She has discovered that she most enjoys helping clients with their benefits questions and also working on contracts and policies. New challenges and encountering new situations to learn from is what energises Nina.

She is familiar with the construction industry through working with her painter father painting and restoring log homes back in her home town of 100 Mile House. Outside of the office, you might find Nina mountain biking, baking, hiking and playing with her dogs. Nina grew up in 100 Mile House, but was born in Switzerland and speaks fluent Swiss German.


Patricia Welch, Mentor, Client Services

Patricia was working with BCCA Benefit Trust clients even before we became self-administered in 2010. Her extensive background in customer call centre operations and benefits administration made her the perfect choice to build our Client Services team. She works closely with plan administrators in businesses large and small, from those who have only a couple of staff changes a year, to companies with hundreds of employees, busy Human Resources departments and hour-bank programs for seasonal workers. She helps plan members and employers with coverage and eligibility questions, resolves claim issues, and ensures that when plans are set up and employees are enrolled, things happen the way they are supposed to. Best of all, she does it with so much patience, positivity and humour that people look forward to talking with her. Outside the office, Patricia enjoys gardening and is a wonderful baker—a talent that is especially appreciated by her co-workers.



Tracy Lam, Client Services Associate

Joining the BCCA Employee Benefit Trust team in September 2010, Tracy has become one of the best customer service representatives in the insurance industry.

Starting her career as a dental receptionist doing data entry for dental claims, she decided to pursue extensive training of adjudicating dental and extended health claims. From there, she found her way into the insurance industry working on resolving claim issues and dealing with inquiries about benefits eligibility. She even has experience in training new team members on claims adjudication.

Now, with over 20 years of experience and knowledge under her belt, Tracy provides innovative thinking, dedication, and delivers the best customer experience for our clients. She understands our clients and enjoys working with them to keep systems up-to-date, answer questions, and help solve problems.

Outside of the office, Tracy enjoys the comfort of her big extended family. When she is not watching chick flicks, you can find her watching TV shows and movies with her two children and family.

Tracy Taylor, Client Services Associate (on leave)

You'll find Tracy working closely with our Client Development Manager, crunching the numbers for benefit quotes and ensuring that we understand our clients' coverage needs. Her career in employee benefits includes customer service, analyst, and account manager roles with brokerages and a national consulting firm. More years ago than she likes to admit, she earned a Certified Employee Benefits Specialist (CEBS) designation. She keeps her knowledge up to date, and satisfies a love of words, by researching and writing articles on benefits issues.

Although she is pretty quiet around the office, Tracy likes to make a big noise in her spare time, when she can often be found playing funky African-inspired rhythms on conga and djembe drums. She promises to put on an office drum circle soon, if we can get the neighbours to agree. 


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The government of Manitoba has announced a reduction of the retail sales tax (RST) from 8% to 7% effective July 1, 2019. If you have employees who live and work in Manitoba, you will notice a reduction in taxes charged for these individuals on your July 1, 2019 bill.


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