Banco Popular de Puerto Rico

Anne Melissa Dowling, CFA, was appointed the Acting Director of the Illinois Department of Insurance (IDOI) by Governor Bruce Rauner on July 1, 2015. She served for four years working in leadership positions for state insurance departments in Connecticut and now, Illinois, after 25 years in the private sector.At the NAIC, Director Dowling is an involved member of the Government Relations Leadership Council, the Interstate Insurance Product Regulation Commission, International Insurance Relations Leadership Group,, the Cybersecurity Executive Task Force, Vice Chair of the C (Property Casualty) Committee , the Chair of the C Committee’s Travel Insurance Working Group, the Chair of the E Committee’s Infrastructure Investments Working Group, and is a member of the Midwest Inter-Agency Steering Committee. She is honored by the opportunity to contribute to the growth and innovation underway in the insurance industry in the State of Illinois and nationally.In� July� 2014,� Insurance� Business� America� magazine� named� her� one� of� the� “50� Elite� Women� inInsurance,” highlighting her commitment to consumer protection and regulatory innovation.Prior to her regulatory work, Director Dowling was a senior vice president at MassMutual where she built the institutional insurance business to more than $12 billion in annual revenue and created an award-winning Women's Markets Initiative which contributed to an increased number of female sales agents and sales materials and approaches geared toward women.�� She served as Chief Investment Officer at Connecticut Mutual and held positions in investments and treasury functions at Aetna Life & Casualty and Travelers Insurance.She is and has been active in governance roles on numerous non-profit boards focusing on education and literacy as well as for-profit boards including the Hartford Public Library board (Executive Committee and Chair of Financial Health Committee, past-President).� She is a past member of the Amherst College, University of Connecticut Foundation and Miss Porter’s School boards as well as a past corporator of the Wadsworth Atheneum. Dowling also has volunteered with the 2010 World Youth Peace Summit; the CT United Way Campaign; St. Francis Hospital’s Women’s Service Advisory Board; First Book Hartford Literacy Program; and Reaching Home Leadership Council (an organization for permanent supportive housing).Director Dowling earned her bachelor’s degree from Amherst College, an MBA in finance from the Graduate School of Business at Columbia University, and holds the CFA Institute’s Chartered Financial Analyst (CFA) designation.

�Judi Cipollari brings more than 26 years of Financial Services industry experience to her role as a Principal in EY’s Financial Services Organization. She works with a variety of domestic and international insurance clients on business strategy, operations strategy, IT strategy, organizational change management strategy, process design, pre- and post-merger integration of operations and IT, business and operations transformation, cost reduction opportunities, operating model design and global sourcing.� �

Sharon Luty is lead director at AXA US, responsible for Operational Transformation. Mrs. Luty is leading a cross-functional transformation team with the goal of accelerating operational changes and processing efficiencies spanning operations, underwriting, distribution and technology. Phase 1 focused on transforming the life new business process, scheduled for completion in September 2016. Phase 2, starting Fall 2016, will focus on implementing a visual management tool and identifying operational efficiency opportunities across AXA’s three domestic service centers.Previously, Mrs. Luty was a Senior Information Officer in IT, responsible for directing IT service and systems strategy, application development and delivery, lights on support and quality assurance testing across service center systems. Her role includes directing delivery and support for new business systems, inforce service portals, policy administration platforms, workflow management systems, and enterprise print management.Prior to her joining AXA US in 2010, Mrs. Luty served as assistant vice president product delivery for the Phoenix Life Insurance Company, responsible for managing the life and annuity product portfolio across the enterprise. She served as the relationship manager for the cross functional team required to launch product projects from idea inception to implementation and product launch.Mrs. Luty holds a B.A. from Central Connecticut State University. Her professional designations and affiliations include FLMI, PMP and the Womens Bond Club of New York.

Terri Butler is a senior consultant for the Robert E. Nolan Co.

Benjamin Moreland is a senior analyst in Celent's insurance practice, and can be reached at bmoreland@celent.com.

Kevin Lynch, CLU®, ChFC®, RHU®, REBC®, CASL®, CAP®, LUTCF, CFP®, is an assistant professor of insurance at The American College in Bryn Mawr, Pa. He also is the host of “Wealth Today,” a featured presentation on www.thewealthchannel.com.

Christine Uzzell serves as United Educators' Associate Vice President, Information Technology with responsibility for the corporate-wide management of information resources. She oversees strategic information planning, business process re-engineering, project management, applications development, hardware and software acquisition, vendor negotiations and relationships, and budget preparation.Uzzell has more than 15 years of professional information technology and management consulting experience in the insurance industry. Before joining United Educators in 1994, she was a consultant for a vendor company developing and supporting custom policy and claim administration systems.Uzzell received her B.S. degree from the University of the District of Columbia and her M.S. degree from the George Washington University.