Banco Popular de Puerto Rico

Jessica Moser leads Channel Development for Market & Growth Strategies.  In this role, she is responsible for building out new distribution capacity through the right private exchange and technology platform deals, as well as ensuring effective onboarding of entities and continual refinement of additional capabilities to drive growth and business impact. \nPrior to this role, she was responsible for developing and driving MetLife’s public exchange strategy and leading the execution of MetLife’s Health Care Reform program.   She has also been responsible for strategic program implementations, including MetLife’s largest group customer, the TRICARE Dependents program.  This program provides dental coverage to family members of uniformed service active duty personnel, as well as military reserve members and their families.  Prior to the TRICARE implementation, Jessica was responsible for directing Insurance Products strategy and managing the technology and business planning process for multiple products and services.\nJessica joined MetLife in 1998, with over 10 years of experience in the information management field in such companies as EMI-Capitol Music Group and Ernst and Young.  She holds a Bachelor of Business Administration degree from State University of New York at Albany and a Master of Arts degree from Hunter College.  She lives in New York City with her husband and children.

Tim Hayden is regional vice president of Corporate Synergies. He has more than 25 years of sales and marketing experience in all phases of the employee benefits industry. He has overall management responsibility for a team of benefits professionals serving Corporate Synergies’ clients in Maryland, Washington, D.C., and Virginia.

Paula Aven Gladych is a contributing writer based in Denver.

Ciro J. Giué is the Voluntary Benefits Practice Leader for HUB International Northeast. Ciro works with HUB’s sales and account management teams to develop and implement integrated employee benefit strategies that include Voluntary Benefit solutions. He has written numerous topical articles. He recently joined HUB in 2015. Prior Ciro was the Voluntary Benefit Subject Matter Expert for Corporate Synergies Group. Ciro earned an MBA in Finance and International Business from The Stern School at New York University and a Bachelor’s in Accounting from Rutgers University.