Developed, optimized and executed ERM vision, strategy and roadmap for global portfolio of healthcare and insurance products. Led ever-evolving cross-functional team to identify and investigate multiple areas of risk (including information security, compliance, ethics violations, third-party, fraud and operational standards) across products, services, distribution channels and technology platforms. Established, continually built out and implemented company’s ERM program into business and corporate functions. Engaged with regulatory and enforcement agencies. • Created Enterprise Risk team, structure, governance model, rating scales, assessment tools and processes; partnered with Chief Actuary to successfully develop first ORSA report, produced proprietary Governance Risk & Compliance tool that facilitated optimal monitoring and reporting, and established Archer GRC strategy for ERM. • Drove adoption of risk program across all Cigna businesses by initiating and chairing cross-functional enterprise Risk Committee; supported integration, coordination, and oversight of risk management and leveraged technology to deliver impactful insights to internal business owners.• Mentored and developed direct reports and other employees into higher level roles, while continually leveraging team member strengths to achieve mission critical tasks.• Tapped to lead internal investigations, e-discovery, and cybersecurity compliance risk management teams based on agility, ability to learn quickly, and skill for establishing key connections.• Partnered with executive and business leaders to determine plans and risk mitigation; prepared analytics, reports and presentations to deliver insights into risk landscape, including resolution options.

Led maturation of Northeast Market segment business plans and strategies, including financial performance, pricing strategies, policies, standards, procedures, processes, risk monitoring and key risk indicators. Conducted risk assessments and contributed to mitigation planning in heavily regulated industry. Led daily program operations, 8 direct reports and 60 indirect reports, including hiring, training, performance management and compensation activities. Produced financial models, market analysis, trend analysis and projections. Led complex and critical negotiations. Co-managed $155MM P&L.• Consolidated 7 disparate business platforms and underwriting processes into single, unified platform; garnered team input in process mapping and development, streamlined operations, simplified pricing approaches and ensured strategic commitments were upheld.• Established new underwriting locations that enhanced company presence within region. Built business cases, formed effective teams and enabled consultative approach for local customers. • Elevated sales 20%+ and consistently exceeded sales and profitability targets for all markets within influence through key strategies in response to regulatory requirements. Proposed nontraditional underwriting methods that solved competitor benchmarking problem.• Enabled smooth integration following Great West Healthcare acquisition by providing direction, encouraging stakeholder collaboration, defining processes, clarifying roles and driving continuous improvement.• Stepped into underperforming market and developed performance tracking to ensure achievement of targeted earnings, retention goals, and multi-state regulatory compliance.

Established Underwriting department and introduced risk assessment process for this nonprofit Commercial Health Plan provider. Developed cross-functional processes and procedures. Collaborated with consulting Actuaries. Developed rates for all insured products, including HMO, POS and PPO plans. Drove regulatory compliance and led efforts to implement HIPAA 834 enrollment transactions. Participated in production of projections, budgets and regulatory reports. Consistently analyzed competitive environment and anticipated trends.