Meet our Leadership Team.

Get to know our organization.

We are honored to have a distinguished board of trustees with exceptional experience in health care and senior living at Covenant Retirement Communities.

The executive leadership team and board of directors are committed to the strategic vision of assisting and meeting the needs of future generations of residents and staff.

Terri Cunliffe
President and CEO

Terri began her career with CRC in 1988 as administrator of the Assisted Living facility at Covenant Village of Florida. She became responsible for the health care center in 1992, and in June 1996 was named campus administrator of Covenant Village of Florida. Her extensive health care experience proved beneficial as CRC leadership recognized a need for more directed emphasis on health and wellness issues. She was named Associate Vice President of Health and Wellness in August 2000 and Vice President of Health and Wellness in January 2004. In March 2010, she became Executive Vice President, with responsibility for campus operations, health and wellness and LifeConnect®. Her title was changed to Chief Operating Officer in 2014.

Terri graduated from the University of Minnesota with a degree in long-term care administration. As part of her undergraduate experience, she served an internship at Colonial Acres on the Covenant Village of Golden Valley campus. She has a master’s degree in health services administration from Nova University in Fort Lauderdale, FL. Terri and her husband Dave live in Boca Raton, Florida, and worship at the Community Christian Church in Tamarac.

David Erickson
Sr. Vice President and General Counsel

After having served almost 15 years as an outside legal consultant to CRC, David joined the CRC leadership team in February 2008. He also served as a Management Leadership Trainee and Marketing Representative for Covenant Village of Northbrook, Mount Miguel Covenant Village, Covenant Village of Florida, The Samarkand and Covenant Village of Golden Valley. As CRC’s Senior Vice President and General Counsel, David serves as the legal advisor for the organization and handles matters including fair housing, resident contracts, regulatory matters, development and acquisitions and community benefits. He oversees risk management and is the corporate compliance and privacy officer, assuring CRC practices meet regulatory guidelines. He also collaborates with outside attorneys when specialists are required.

Prior to joining CRC in 2008, David worked in a private practice that served CRC along with other retirement communities and nonprofit organizations. He is a graduate of Bethel University and received his law degree from Kent College of Law in Chicago.

David and his wife Judy live in Northbrook and worship at Deer Grove Covenant Church. They have two young daughters, Emily and Molly.


Randal "Randy" Gross
Vice President of Facilities Management

Randy joined Covenant Retirement Communities as Director of Facilities at Windsor Park in February 2011. In May 2012, he was named CRC’s Vice President of Facilities Management, and is responsible for managing CRC’s assets. He also develops standards in housekeeping and apartment finishes, and works closely with CRC’s campus leaders on managing capital to address maintenance.

After earning a Bachelor of Science degree in civil engineering technology from Southern Illinois University, Randy worked for United Parcel Service, overseeing environmental compliance, project management, facility maintenance and housekeeping for several distribution facilities. He was also a project engineer at the Decatur Airport, project manager for the Rockford air hub, and plant manager for several Chicago area transportation hubs. He later worked at Cardinal Health as a systems technology manager, and at the Chicago Zoological Society where he managed several work groups.

Randy, his wife Patti, and three children, Rachel, Marty and Tommy, live in Arlington Heights and are active members at St Edna’s Catholic Church. Randy has been chair of the annual picnic where he helps coordinate over 100 volunteers to manage the event and assist in fundraising for the church. 

Jay Hibbard
Sr. Vice President of Sales, Marketing & Communications

In September 2016, Jay joined CRC as Senior Vice President of Sales, Marketing and Communications. Jay has extensive experience with sales training and management as well as marketing strategy and execution, having worked with more than 20 CCRCs across the country. He also brings the unique perspective of serving on the board of directors of Shell Point Retirement Community, Ft Myers, FL.

After graduating from Liberty University with a degree in Communications, Jay worked for The Ward Group, a Washington, DC, public relations firm. He began his senior living career at The Pines at Whiting, then became Director of Sales for ACTS Retirement-Life Communities. Jay next served as Vice President of Sales for Spectrum Consulting, then joined Martino & Binzer (now Bluespire Senior Living), a senior living marketing and communications firm.

Jay lives in Chesapeake, VA, with his wife Karen and children Gretchen (16) and Nicholas (11). They are very active in the Great Bridge Presbyterian Church and lead a small group. Karen is also very active in her charity work with Living Waters of the World, a global clean-water initiative, as well as serving on the board of St. Mary’s Home for Disabled Children.

Jody Holt
Chief Financial Officer

Jody Holt is a certified public accountant and has more than 28 years of experience in both the public and private sectors. She works closely with CRC leadership on major strategic and operational issues while providing oversight on all financial and planning functions. Holt came to CRC after serving as CFO for a leading global provider of high speed internet. In addition, she has served on the CRC board of directors. She holds a BS in accounting from The Pennsylvania State University.

Michelle Kozloski
Vice President of Human Resources

Michelle joined Covenant Retirement Communities in 2015. She is responsible for organization strategy, talent management, recruitment and onboarding, training and development, compensation and benefits.

Michelle began her career at Marshall Field’s in Chicago in buying and management positions. She later joined Kraft Foods, Inc. as a staffing manager, and soon took on a variety of senior human resources roles. After leaving Kraft in 2009, Michelle formed her own business and provided human resources consulting services, primarily to non-profit organizations. In 2011, Michelle joined Dairy Management, Inc., a non-profit with a national organization and 17 local dairy groups, and provided overall human resources services.

Michelle and her husband, Tom, live in Glenview. They have a son, Will, who attends New York University and two high school-aged daughters, Sydney and Taylor. They are active members of Our Lady of Perpetual Help in Glenview, where Michelle has served as the School Board President, a Parish Finance Council member, and a Women’s Guild member. She is currently a formation team member for the Christ Renews His Parish ministry.

Elizabeth McLaren
Vice President of Health Services Strategy, Programming & Integration

Elizabeth McLaren joined the CRC leadership team in August 2009 as the National Director of Healthcare, overseeing third party billing and providing support for CRC healthcare communities. Her responsibilities expanded to more direct involvement in the skilled nursing and assisted living facilities, and in 2018, she was named Vice President of Health Services Strategy, Programming & Integration. Prior to coming to CRC, Elizabeth served as a consultant to CRC through Frost, Ruttenberg & Rothblatt (FR&R).

A leader at the national level in the healthcare industry, Elizabeth is a member of the LeadingAge Illinois Skilled Nursing Facility Cabinet. She also is on the American Healthcare Association (AHCA) not-for-profit provider council and the healthcare provider billing advocate committee. In 2011, Elizabeth authored “Long-Term Skilled Services: Applying Medicare's Rules to Clinical Practice,” a book that is considered a seminal resource for those involved in Medicare billing.

Elizabeth has two young daughters, and she and her husband live in Round Lake, Illinois. The family is actively involved in the life of St. Bede’s Catholic Church in Ingleside, Illinois.

Francis "Fran" Palma
Sr. Vice President of Digital Strategies

Fran joined CRC in September 2016 as Senior Vice President for Digital Strategies. In his previous position, he had managed CRC’s corporate campus websites and digital marketing strategies since 2013.

With a degree in Psychology and an interest in Computer Science, Fran began his career in 1995, splitting his time between social work and building eldercare databases and providing online marketing. In 1999, he started an online advertising department for Partner Communications, and four years later moved to a marketing agency called Creative Energy. In 2004, he joined Martino & Binzer (now Bluespire Senior Living), to establish a digital department. He worked with more than 100 senior living organizations, providing strategic marketing planning, direction and execution. He developed several marketing technology platforms, and frequently speaks at senior living conferences on digital and traditional marketing, lead generation and analytics.

Fran and his wife, Jennifer, live on Lake Pocotopaug in East Hampton, CT. They have a son, Ethan (13) and daughters, Lauren (8) and Charlotte (6) with two dogs, three fish and a cat.

Brian Devlin
Sr. Vice President of Project Development

Brian joined CRC in 2018 with more than 15 years’ experience in the field of senior living and has managed redevelopment work for large multi-site senior living providers, as well as managing aspects of start-up communities, property acquisitions and consultations. At CRC, he is responsible for implementation and management of all major construction projects related to campus development, dining and healthcare physical plant changes and updates. In addition to the construction oversight, he provides strategic leadership to future development and master planning efforts. 

Devlin graduated from Texas Tech University with a Bachelors of Architecture and has served on the National LeadingAge Conference Education Committee.

Scott Moore
Executive Vice President, Campus Operations

Scott works closely with leadership at CRC’s Central Office and with top leadership at each of the CRC communities across the country with a main focus on campus operations such as dining, facilities management, and healthcare.

Moore brings a breadth and depth of knowledge and experience in all facets of campus operations coming from Florida’s largest Continuing Care Retirement Community (CCRC) after 13 years there in various operational capacities. In addition, he began his 25-year healthcare career as a contractor, field architect and hospital engineer.

To learn more about our communities, please click here to contact us online or call us at (773) 878-2294.