• Core contribution in all company sales efforts resulting in successful product launches with a $10B personal lines insurance carrier, top US telecom and other global and domestic insurance partners.• Successfully transitioned a startup from small technology ingredient supplier into a full-service TSP.• Used design thinking, product management, and business strategy methodologies to restructure the company and develop a Usage Based Insurance platform from the ground up including the major modules of the smartphone application and service ops tools for both tier 1 (B2C) and tier 2 (B2B) support. o First product launched was a finalist as Best New Insurance Product for 2017 • Collaborated with multidisciplinary teams to create and launch the first risk segmentation model that includes quantified distracted driving as a filed and approved risk indicator in a UBI program. • A bold passionate voice for the customer within the organization pushing for inspiring innovative products with disruptive new business models.• Effectively undertook an ambitious redesign of the company’s product development process for managing the intake of customer requirements and efficiently processing them to improve throughput and quality.• Rapidly pivoted the business to include risk segmentation, claims, value added services and a communication program that drove monthly active engagement and open rates north of 80%.

• Led all aspects of ACP’s innovation studio including complete P&L responsibility, front-end research, synthesis, prototyping, business model creation, through back-end development, pilots, consumer feedback, refining the solution, scaling, full deployment and profitable operationalization. o During my tenure, the innovation studio returned $5 in club revenue for every dollar invested. • Quickly reorganized the group from three distinct groups into one unified team improving culture and overall productivity while reducing redundancy and lowering operational expenses. Completely transforming a team with few successes into a top performing organization recognized for its ability to execute and deliver results.• Established a new governance structure with executive level participation to ensure efficient alignment and participation across the 12 quasi-independent organizations. • Streamlined the innovation process to create clearer handoffs, more focus on each phase, and allowing for more specialization. • Introduced the team to design strategy and set up the development group to support each phase of the innovation process allowing for tighter requirements coming out of research, better partner identification, faster prototyping and ultimately better product definitions for projects that made it through to back-end testing and full deployment.• Worked directly with the AAA Club Partners’ Board of Directors to effectively manage the companies innovation fund, participated on the New Products Strategic Investment Committee of the ACP Board and report out quarterly on the status of each innovation project delivered by the ACP Innovation Studio.

• Navigated the complex ACP political landscape to unify the holding company under one telematics program. • Created a Connected Car vision that would help differentiate ACP and the AAA brand by combining core services into one integrated solution where AAA could establish a sustainable competitive advantage.• Recognized that the current telematics partnership would not deliver against the new vision. Identified potential vendors, conducted the RFP process, and negotiated complex contracts that covered all 12 separate legal (ACP) entities within 5 months of joining the company.• Designed and delivered a market ready telematics product with enrolled members within the first year. Then expanded the program to include usage-based insurance in the second year.• Renegotiated development contracts resulting in $628k in savings during the first year.

• Provided expert oversight and direction to the development of new products and business models as well as the commercialization and transition from The Hartford’s Innovation Studio into the core business. • Communicated and delivered an effective telematics vision and rating models for all of The Hartford’s business units by determining, producing, and utilizing custom solutions.• Effectively transitioned personal lines telematics program from a data gathering pilot into a full-fledged offering delivering a new scalable business model with a turn-key vendor solution.• Strategically designed, created, and implemented a launch plan with innovative milestones enabling The Hartford to execute the personal lines telematics program nationally in small state clusters.

• Efficiently oversaw end-to-end development, roll-out, and commercialization of Onboard Advisor which went from concept to prototype to market in 18 months.• Onboard Advisor was recognized by industry peers as one of the most advanced insurance telematics programs in the United States that integrates hardware, a newly developed commercial auto policy, and loss prevention tools into a powerful cost cutting safety solution for fleet managers.• Successfully obtained support and brand partnership of high profile organizations, including General Electric (GE) and US Bank/Voyager, and featured in leading publications and programs such as NY Times, Wall Street Journal, USA Today, Washington Post, and CNET News.• Commended for developing the Onboard Advisor, which won several prestigious recognitions, such as Best of Show 2010 IMCA for Marketing Communications and Print Media and Award of Excellence for a B2C Video.• Thrived in designing and introducing Teensurance, a first of its kind solution that delivers peace of mind to parents with young drivers; this project was one of the most successful launches in Safeco history and received various acknowledgment, including 2008 Silver Anvil for PR, Finalist for 2007 Telematics Best New Product Award, and citation as Top 10 In-Vehicle Innovation in 2007. The product was covered by major news organization in the United States, including Today Show, CNN, USA Today, Fox News, ABC, NBC, and CBS.

Leverage technology to improve insurance products and how consumers interact with them. Developed, tested and launched Teensurance, a GPS based solution for parents with young drivers.Accomplishments:• Successfully developed and launched Teensurance, a solution that delivers peace of mind to parents with young drivers. Achieved only 8 months after joining the Open Seas organization• Teensurance won a 2008 Silver Anvil for PR, Finalist for 2007 Telematics Best New Product Award, won Best Packaging in our segment, was listed as a top 10 in-vehicle innovation in 2007, and the product was covered by almost every major news organization in the US including: the Today Show, CNN, USA Today, Fox News, ABC, NBC, CBS, etc…• Teensurance was one of the most successful product launches in the company’s history and helped redefine Safeco Insurance as an innovative insurance company

Managed a cross functional “Innovation Team” to develop and market new products within the Snack Food category.• Work closely with the CEO to identify new product opportunities • End-to-end research and development• Create business plans and marketing materials• Ensure execution of project goals• Directly responsible for 3 of the companies top 5 initiativesAccomplishments:• New products developed using excess capacity and delivering significant profit increases.• Leveraged innovative new products to significantly improve our relationship and credibility with Wal-Mart which resulted in the addition of several new distribution centers (34% increase)• Launched a new brand, RiceWorks, with Costco before releasing it to other major US retailers • Charged with contract manufacturing efforts resulting in major relaunch of Eagle Brand Snacks

Assessed and developed market opportunities across all distribution channels and snack segments. Including developing sales and marketing strategies, selling, and initial account development.• Instrumental in all aspects of the Albertsons corporate brand potato chip and cheese snack rollout.• Exceeded sales and share in the first 12 months resulting in $3MM in sales and quickly moved the brand to the most profitable and 2nd largest in the company with a 24% increase in 2005. • Developed price shielding models for Safeway and Albertson’s to help optimize sales and profits of their Store Brand potato chips and cheese snacks.• In-depth category analysis using syndicated data, developed decision tree and seasonality models, designed profit blending calculators to enable retail CM’s to manage medium term profitability, developed schematic recommendations, and validated category recommendations. The culmination being a corporate presentation outlining Snack Alliance’s ‘best practices’. • Successfully managed a network of brokers and DSD (Direct Store Delivery) representatives.Other Accomplishments:• Negotiated IRI contracts resulting in an overall increase in services while saving over $100,000 over the 3 year contract. Negotiated a second contract saving $86,000 annually verses plan.

Managed sales of grocery products in the wholesale channel west of the Rocky Mountains.