Banco Popular de Puerto Rico

�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.

Howard Mills is a director and chief advisor of the Insurance Industry Group of Deloitte LLP. Mills came to Deloitte after serving as Superintendent of the New York State Insurance Department.