CARMEN F. EFFRON FLMI, CLU, ChFC

Carmen Effron is the founder and President of C F Effron Company LLC and the founder and principle of Effron Burke Associates LLC.  Prior to founding her company, Ms. Effron was President of BankBoston Insurance Agency and Chief Executive Officer of BankBoston Executive Benefits, (now Bank of America). In that capacity Ms. Effron created the strategic plan, managed and had P&L responsibility for all insurance related programs for the bank. As the sales and marketing leader of a 24-member executive redesign team, she provided thought leadership to reengineer strategy, products, processes and operations of the bank, with a revenue impact of $88 million, process and cost reduction of $188 million and sales productivity up 40%.

As President of NatWest Bank’s U.S. domestic insurance operations prior to their acquisition, Ms. Effron was responsible for planning, development and implementation of the bank’s corporate initiatives to distribute insurance products. Ms. Effron spent five years in the European market working for the American International Group’s European Life Division as Director of the Financial Institution’s Strategic Business Unit. Ms. Effron also managed the marketing division and corporate communications for the U.K. insurance subsidiary of the French company, Groupe des Assurance Nationale. Her broad based financial services background includes management responsibility for the Northeast sales and marketing division of General Reassurance Corporation and as a personal money manager for Merrill Lynch.

Ms. Effron is a founding board member of the Bank Insurance Securities Association (BISA), past president of the Financial Institutions Insurance Association (FIIA), past Board Member and one of the founders of the ABA Insurance Association and a 5 year member of the prestigious Atlantic Theater Company of NYC. She is the past Chair and current member of the Advisory Board for the UConn Neag School of Education  Ms. Effron received her BA and MBA degrees from the University of Connecticut.