In my capacity as Co-Founder and Insurance/Strategic Lead at Flex Embedded, I am deeply engaged in the forefront of insurance technology innovation. My role is to harness the power of AI to usher in a new chapter of personalization and optimization for our clientele. This role is a fusion of strategic insight and technical expertise, guiding the creation and execution of our company's vision and technological trajectory. I take an active role in crafting and rolling out our sophisticated AI platform, ensuring it aligns precisely and flexibly with the intricate requirements of our customers and partners.I lead the team through the complex landscape of contemporary insurance solutions, promoting a culture of innovation and technical excellence. My strategic leadership is pivotal in positioning Flex Embedded at the vanguard of insurtech innovation, enabling the delivery of solutions that are scalable, efficient, and meticulously tailored to boost customer satisfaction and support the prosperity and growth of our partners.My commitment to innovation goes hand in hand with a dedication to forging robust, effective partnerships and a thorough understanding of market dynamics, which inform our strategic directions and product development initiatives. Before founding Flex Embedded, my Co-Founders and myself facilitated the generation of $1.4 billion in annual Gross Written Premium (GWP) for businesses, a testament to our profound comprehension of technology's impact and our collective expertise. As we venture forward and seek to extend our influence, my focus steadfastly remains on exploiting AI's transformative potential to redefine the insurance industry, making accessible personalized, real-time insurance solutions to customers around the globe.

A global leader in embedded insurance, AI, analytics, merchandising and optimization that delivered the right offer at just the right time – personalizing and enhancing the customer experience while increasing profitability of B2B2C distributors. • Developed a patented embedded insurance business model for utilizing analytics and optimization on a real-time basis to increase digital conversion rates and customer experience.• Developed the team, architecture, platform and business processes to enable real-time personalization. Launched the new model with a major US airline within 9 months.• Reach of Fusion: 50+ global ecommerce partners. in 39 countries, 19 languages and 19 currencies. • Led a staff of technologists, statisticians/modelers, process engineers and marketers who consistently improved ecommerce conversion results by 25%+ each year on average and added over $750 million in incremental revenue for clients.• Launched a joint venture with BCBS (www.Ancilyze.com) that enabled digital optimization of health care products on private healthcare exchanges.• Developed an innovative long-term strategy for auto insurance marketers to enable smart acquisition of customers from comparison sites.

• Head of corporate marketing with division-level marketing responsibilities for Markel Insurance Company.• Created and launched a new direct-to-business, multi-channel marketing program which doubled written premiums with a minimal investment.• Created a corporate ecommerce strategy. Internet-generated revenue grew significantly based on the new strategy. • Created and built a multi-channel distribution portal which improved distribution productivity and provided a portal for direct selling.• Created and executed a corporate brand strategy consisting of research, segmentation, theme testing, ad execution and comprehensive integration with all customer contact points. Unaided awareness of Markel increased eight points in eight months with a minimal media spend.• Developed a corporate Intranet strategy and implemented the plan including a new eLearning portal, MPowerU – Markel’s online University.• Deployed a new CMS platform for all company sites; re-designed and re-launched all 16 company web sites within six months.

• Reporting to the Vice Chairman of Cendant Corporation, a Fortune 300 company specializing in direct marketing, franchised travel and real estate operations.• Transformed the company from an ancillary service provider to one of the a top loyalty firms in the US.• Created a credit card price guarantee/protection feature that was widely adopted within the credit card industry.• Created the concept, performed the actuarial study and launched the first “any airline, anytime” loyalty program launched initially by Capital One (now the Venture Card) and then Chase Bank (now the Chase Sapphire card). • Grew the company over 10X during ten year tenure as head of revenue management and further as President and CEO.