Carmen Effron is founder and President of CF Effron Company LLC and Effron Burke Associates LLC, providing strategy and management consulting to numerous financial institutions, insurers, and reinsurers, nationally and internationally. For the past 14 years, her emphasis has been on the intersection of banking and insurance, focusing on sales process redesign, tactical market entry capabilities and customer experience analysis.

Ms. Effron is a founding board member of the Bank Insurance Securities Association (BISA), past president of the Financial Institutions Insurance Association and past Board member and one of the founders of the ABA Insurance Association. Carmen is a 6-year board member of the Atlantic Theater Company of NYC, founded by David Mamet and William H. Macy, and is the past chair and member of the Advisory Board for the University of Connecticut NEAG School of Education. She received her BA and MBA degrees from the University of Connecticut and was inducted into the UConn School of Business Hall of Fame in 2011. She is a frequent public speaker whose opinions and insights are often quoted in the financial services press.