David Heard's Location
Miami, Florida, United States, United States
David Heard's Contact Details
David Heard work email
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David Heard personal email
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About David Heard
Retired international insurance executive with deep experience leading businesses in emerging and mature markets. Held leadership positions at the country, region and headquarters level, spanning both product and general management. Adept at navigating matrix organizations, leading cross-cultural teams and strengthening joint-venture partnerships. Core Competencies:Business unit and P&L management; talent development and mentoring; international general management; underwriting, pricing, portfolio management; catastrophe exposure management, product development, direct marketing, bancassurance, brokerage and agency distribution; joint-ventures, due-diligence, M&A and integration management; business plan development and execution, greenfield operations, trilingual in English, Spanish, and Portuguese.
David Heard Work Experience Details
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Board ChairUplift LiteracyMiami, Fl, Us -
Vice-Chair Miami-Dade Chapter, Certified MentorScore Mentors Aug 2022 - PresentWashington, Dc, UsAs a certified mentor, I have mentored more than 100 small businesses in areas ranging from strategy and business planning to financial forecasting, identifying funding sources, marketing and sales, and operations. As Vice Chair of the Miami-Dade chapter, I am additionally responsible for interviewing and selecting new mentors and monitoring mentor engagement and performance. -
Senior Vice President, Personal Lines & AgencyChubb May 2014 - May 2022ChResponsible for profitably growing Automobile, Homeowners, and Specialty Personal Lines product lines in key Latin American markets through multiple distribution channels including Digital. Additionally responsible for leading and building out small / medium brokerage and agency distribution across Property & Casualty, Accident & Health and Personal Lines product lines for Chubb in Latin America. -
Senior Vice President, Strategic Business ExpansionAig Mar 2012 - Apr 2014New York, Ny, UsReporting to CEO of the Global Consumer division, work with Americas, EMEA and APAC management teams to drive strategic organic growth initiatives in China, Brazil, Turkey, UAE, Indonesia, Mexico and Colombia. Led initiatives to significantly ramp-up both Digital and Direct Auto capabilities. Conceptualized, gained support and secured funding for an innovative Road Safety program in China that will bolster our brand positioning, open up new partnership possibilities and generate goodwill with our Chinese regulators. -
Head Of Consumer Insurance - Growth EconomiesAig Jul 2011 - Mar 2012New York, Ny, UsSelected to lead Consumer Insurance for the newly created Growth Economies Division with $2.0 billion in net premiums and spanning 52 countries across Asia, Pacific, Africa, Middle East and Latin America. Recruited Consumer management team, worked with previous regional owners to transition responsibilities to the Growth Economies division and finalized strategic plan in partnership with Growth Economies and Global Consumer CEOs.
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Head Of Consumer Insurance - Latin AmericaAig Jun 2008 - Jul 2011New York, Ny, UsInitially led Personal Lines and was then promoted to run the expanded $500 million Consumer business across 16 countries in Latin America through the height of AIG’s financial crisis. Developed re-entry strategy for Consumer insurance in Brazil following AIG’s separation from Unibanco and played a pivotal key role in identifying, recruiting and mentoring talent for our start-up operations there. Steered the development of strategic expansion plans for AIG in both Mexico and Colombia and worked with my team and home office to strengthen the marketing function across the region.
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Personal Lines Regional Vice President - Far EastAig Mar 2004 - Jun 2008New York, Ny, UsResponsible for the growth and profitability of a $1.0 billion Personal Lines portfolio in four operating entities in Japan and Korea, achieving a combined ratio of 97.1 in 2007 and 94.3 in 2008. Performed AIUI’s first full underwriting audit and pricing review of the Personal Property portfolio (previously embedded in Commercial Property), obtained approval from the FSA for Japan’s first variable rate long-term fire policy; introduced GLM-based ratemaking and profit scoring to the AIUI auto portfolio; introduced geodemographic segmentation and increased focus on digital marketing in the American Home portfolio; repositioned Korea’s Personal Lines portfolio, de-emphasizing Auto and leveraging the A&H direct marketing platform to build what is now AIG’s third-largest homeowners portfolio in the world.
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Country Ceo - ChileAig Jun 2002 - Feb 2004New York, Ny, UsReorganized and strengthened both the management team and control environment following a difficult systems implementation in 2001. Net premiums of $44 million grew by 24% in 2003, achieving a combined ratio under 70. Eighteen months into the assignment, I was asked to move to Japan to run a much larger business following the sudden departure of a key executive.
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Aig Senior Executive - BrazilAig Mar 2001 - Jun 2002New York, Ny, UsRepresented AIG’s interests in its Unibanco-AIG joint venture and played a critical role in building more effective collaboration between the JV management team and AIG home office profit centers. Coordinated strategy and execution of business plans across 9 profit centers, while ensuring adherence to AIG underwriting philosophy and standards.
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Personal Lines Regional Vice PresidentAig Jan 1998 - Feb 2001New York, Ny, UsInitially managed separate portfolios for AIG and Unibanco entities in Brazil, and then led the integration effort of the two Personal Lines portfolios under a unified brand, product suite and distribution management. Negotiated and profitably managed a $100 million Ford Credit multiannual auto policy program to a 15% ROE hurdle rate; introduced Extended Warranty to the Brazilian market and negotiated a three-way JV with Unibanco-AIG and Multibras (Whirlpool) that quickly developed an 80% market share position; introduced the use of Unibanco’s proprietary customer behavior score as a new rating variable and was also the first to introduce the use of multiple rating territories for Auto insurance within the greater Sao Paulo and Rio de Janeiro metropolitan areas.
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VariousAig Jul 1987 - Dec 1997New York, Ny, UsDuring the first 10 years of my career at AIG, I was a management trainee in New York (18 months); established the Personal Lines profit center in Brazil (3 years); turned around the Personal Lines portfolio in Mexico (2 years); was promoted to regional manager covering Mexico, Central America and the Caribbean (2 years); and then asked to relocate back to Brazil to manage the Southern Cone while exploring potential acquisition opportunities in Brazil (3 years). Key accomplishments: successfully managed the Brazil Auto portfolio through a three-year period of hyper-inflation (1989-1992); launched Brazil’s first Auto product with risk-based pricing utilizing customer characteristics (1990); launched Citibank’s first Auto product for in-branch sales with real-time quoting and point of sale policy issuance capability (1991); re-underwrote and re-positioned the Mexico Auto portfolio (1992); re-structured an Auto department into a Personal Lines Profit Center (1993); worked with Claims leadership to introduce AIG’s first Claim Service Guaranty in Latin America (1994); introduced Mexico’s first tiered Automobile product (1995); developed and launched Mexico’s first high-valued homeowners product (1995-96); developed the product, pricing and systems requirements and then launched Direct Auto through American Home in Brazil (1996-97).
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Operations AssistantThe World Bank Sep 1986 - Jun 1987Washington, Dc, UsAssisted loan officers and economists in West African Programs Division on work related to analyzing and approving loans and economic structural adjustment programs for Cape Verde, Guinea Bissau, Sao Tome & Principe and the Ivory Coast. -
Co-Managing EditorArgentine News Jun 1985 - Jun 1986Original team member of a start-up monthly magazine published in English. Coordinated contributors, ensured articles were in by deadline, edited and collaborated with a small team on content planning, design, cover and headline selection. Contributed original articles to the magazine, interviewing government officials, political figures and experts in various fields.
David Heard Skills
Direct Marketing
Joint Ventures
Due Diligence
Audit
Product Development
Catastrophe Management
Pricing
Profit Center Management
Latin America
Spanish
Portuguese
Portfolio Management
Underwriting
Automobile Insurance
Extended Warranty
Homeowners Insurance
Bancassurance
Insurance
Mergers
General Insurance
Automobile
Multilingual
Strategic Planning
Talent Development
Property And Casualty Insurance
Segmentation
Auto
Leadership
Mentoring
Talent Management
Brokers
Risk Management
Management
Casualty
Homeowners
Investments
Strategy
Auditing
Reinsurance
Mergers And Acquisitions
Commercial Insurance
Finance
Business Strategy
Claim
Life Insurance
Financial Services
Enterprise Risk Management
Workers Compensation
Financial Risk
Catastrophe Modeling
David Heard Education Details
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Johns Hopkins School Of Advanced International Studies (Sais)Latin America -
Wesleyan UniversityPolitical Science
Frequently Asked Questions about David Heard
What company does David Heard work for?
David Heard works for Uplift Literacy
What is David Heard's role at the current company?
David Heard's current role is Board Chair.
What is David Heard's email address?
David Heard's email address is da****@****oup.com
What schools did David Heard attend?
David Heard attended Johns Hopkins School Of Advanced International Studies (Sais), Wesleyan University.
What are some of David Heard's interests?
David Heard has interest in Cross Cultural Exchange, Mentoring Rising Talent, International Development, Economic Empowerment.
What skills is David Heard known for?
David Heard has skills like Direct Marketing, Joint Ventures, Due Diligence, Audit, Product Development, Catastrophe Management, Pricing, Profit Center Management, Latin America, Spanish, Portuguese, Portfolio Management.
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