is a director and chie advisor with Deloitte’s Insurance Industry Group. Howardcame to Deloitte aer serving as superintendent o the New York State Insurance Department.In his current role, Howard oers thought leadership to Deloitte’s insurance clients in areas rang-ing rom growth and globalization to managing the complexities o regulatory compliance. He is arequent speaker at many industry conerences and events on topics such as enterprise risk manage-ment and the impacts o proposed US and global regulatory changes. He has been widely publishedin the national and international trade and consumer press.
is a principal at Monitor Deloitte ocused on insurance. He advises seniormanagement teams on their corporate, business unit, product, and market strategies. He alsoadvises clients on customer experience, merger integration, process redesign, and cost reduc-tion and associated process, technology, and people-related changes. Bernard has spearheadedDeloitte Consulting LLP’s work applying innovation and disruption theory concepts to nancialservices rms.Bernard co-hosts a number o orums or lie, annuities, and group benet carrier executives. Heis oen quoted in insurance trade publications, including A.M. Best and National Underwriter/ech Decisions.
Furthering the conversationon innovationAbout the authors
We are pleased to oer this insight as a part o Deloitte’s innovation series—a collection o articlesaimed at providing ideas and practical insights specic to innovation.
Innovation in insurance:
The path to progress