Experienced financial professional with over 20 years management experience in accounting, banking, insurance & consulting fields. Strong operational and IT background with considerable experience in financial modeling, mergers and acquisitions, process improvement, profitability analysis, budgeting, and the development and implementation of cost containment strategies. Expertise in the Affordable Care Act and its impact on both small employers and large employers. Have worked extensively with businesses assisting them evaluate their exposure to ACA penalties, develop actionable strategies, and implement a sustainable model for providing group insurance benefits. Expertise in the foll