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Travelers

Scott Higgins is Executive Vice President and President, Middle Market, National Property and Business Insurance Field for Travelers. He joined the company in 1991 and is responsible for tailored insurance products and industry specific underwriting, risk control and claim services offered to mid-sized businesses including Commercial Accounts, Construction and Middle Market Specialty Businesses. Higgins is a member of the board of the YMCA of Metropolitan Hartford. He holds a bachelor’s degree in political science from Bates College, and a master’s degree in finance from Rensselaer Polytechnic Institute.

Scott F. Higgins

Lisa Caputo is currently the EVP Marketing, Communications and Customer Experience at [Travelers](/org/the-travelers-companies). Prior to this, they were with [Best Buy](/org/best-buy) as their Chief Marketing Officer. Before that, they were with Citi for 11 years where they were the Executive Vice President and Chief Marketing Officer. Lisa has also been with Disney Publishing Worldwide and CBS Corporation. Lisa Caputo started their career at The White House where they were the Press Secretary to the First Lady and Deputy Assistant to the President.

After graduating from [Brown University](/org/brown-university) with a Bachelor of Arts in Political Science and French, Lisa Caputo went on to earn a Master of Science in Journalism from [Northwestern University](/org/northwestern-university).

They are on a team with Bruce R. Jones - EVP Enterprise Risk Management and Chief Risk Officer, Gregory C. Toczydlowski - EVP & President of Business Insurance, and Nicholas Seminara - EVP, Chief Claim Officer. Their manager is Alan D. Schnitzer, Chairman & CEO.

Lisa Caputo

Diane Kurtzman was the Sr VP HR at [Travelers](/org/the-travelers-companies) from April 2004 to October 2016. Diane is currently the EVP & CHRO at [Travelers](/org/the-travelers-companies).

Diane Kurtzman is a graduate of the [University of Connecticut](/org/university-of-connecticut).

Diane Kurtzman reports to Alan D. Schnitzer, Chairman & CEO. Some of their coworkers include Patrick F. Keegan - SVP & Chief Underwriting Officer, Michael F. Klein - EVP & President, Personal Insurance, and Daniel T.H. Yin - EVP, Co-Chief Investment Officer.

Diane Kurtzman

Kevin Smith is the EVP International at [Travelers](/org/the-travelers-companies). Kevin has experience in the travel industry and has played a role in shaping the company's strategy.

Kevin C. Smith reports to Alan D. Schnitzer, Chairman & CEO. Kevin C. Smith works with William H. Heyman - Vice Chairman & Chairman Of The Investment Policy Committee, Diane Kurtzman - EVP & CHRO, and Mojgan Lefebvre - EVP, Chief Technology & Operations Officer.

Kevin C. Smith

Laurie Dinunzio

Ileane Santana-Gilbert

Jim Wucherpfennig

Cohn joined [Travelers](/org/the-travelers-companies) in September 2017 as Associate Group General Counsel and currently serves as Chair of the Society for Corporate Governance’s newly formed Sustainability Practices Committee. She previously served as counsel and a member of the Public Company Advisory Practice at Simpson Thacher & Bartlett LLP, where she advised public companies, corporate management and boards of directors on an array of issues pertaining to corporate governance and securities law. She holds a J.D. from Columbia Law School, where she was a Harlan Fiske Stone scholar, and a bachelor’s degree in political science, summa cum laude, from [Columbia College](/org/columbia-college). Cohn will report to Christine Kalla, Executive Vice President, General Counsel and Chief Ethics and Compliance Officer.

Yafit Cohn

Dan Frey is Executive Vice President and Chief Financial Officer of [Travelers](/org/the-travelers-companies). He joined [Travelers](/org/the-travelers-companies) in 2003 and has held a number of key financial management roles across the company, including Senior Vice President and Chief Financial Officer for the Personal Insurance segment and Chief Financial Officer for the Claim and Field Management organizations. Before joining [Travelers](/org/the-travelers-companies), Frey served as Chief Financial Officer for Spalding Sports Worldwide, where he helped to improve the company’s overall performance and successfully managed the simultaneous sale of three product lines to three buyers. He also held a variety of finance positions at Duracell International, Inc. and began his career in public accounting at Deloitte & Touche, where he earned his CPA. Frey holds a bachelor’s degree in accounting from the [University of Connecticut](/org/university-of-connecticut).

Dan Frey

Joan Woodward is Executive Vice President, Public Policy, and President, The [Travelers](/org/the-travelers-companies) Institute for Tavelers. She joined [Travelers](/org/the-travelers-companies) from Goldman, Sachs & Co., where she was the founding Executive Director of their Global Markets Institute. During her nine years at [Goldman Sachs](/org/goldman-sachs), she also served as Vice President and Director of Washington Research for [Goldman Sachs](/org/goldman-sachs)’ Global Investment Research. Woodward worked on Capitol Hill for 12 years, serving as Deputy Chief of Staff for the U.S. Senate Committee on Finance, and as Senior Economist for the U.S. Senate Committee on Governmental Affairs and the U.S. House of Representatives Committee on the Budget. She serves on the Board of Directors of the United States Chamber of Commerce Foundation, is a member of the President’s National Small and Medium Enterprise Export Council and works with numerous community and charitable groups. Woodward holds bachelor’s degrees in economics and political science and a master’s degree in public administration from [American University](/org/american-university).

Joan K. Woodward

Maria Olivo is Executive Vice President, Strategic Development and President, International for [Travelers](/org/the-travelers-companies). She is responsible for the company’s international businesses, including operations in Canada, the U.K. and Ireland, [Travelers](/org/the-travelers-companies) Syndicate at Lloyd’s and Brazil. Since joining the company in 2002, she has held a number of executive positions, including leading Corporate Development, Investor Relations and Corporate Communications. Before her current positions, she established and led Enterprise Research and Market Development to bring an enterprise focus to new-product initiatives. Olivo, a certified financial analyst, joined [Travelers](/org/the-travelers-companies) from Swiss Re Capital Partners, where she was Deputy Head of Strategic Investments. Prior to that, she was a director at Salomon Smith Barney's Investment Bank. Olivo holds a bachelor's degree in accounting and computer applications and information systems from New York University and an MBA in finance from its Leonard N. Stern School of Business.

Maria Olivo

Bruce Jones is Executive Vice President, Enterprise Risk Management and Chief Risk Officer for [Travelers](/org/the-travelers-companies), responsible for overseeing the identification and management of all risk that could have a material impact on the company. He joined [Travelers](/org/the-travelers-companies) in 1978 and has held Chief Actuary positions in both National Accounts and Commercial Accounts. Jones is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuary. He holds a bachelor's degree and a master's degree from [Boston University](/org/boston-university).

Bruce R. Jones

Alan Schnitzer is Chairman and Chief Executive Officer of [Travelers](/org/the-travelers-companies). Schnitzer joined [Travelers](/org/the-travelers-companies) in April 2007 as Vice Chairman and Chief Legal Officer. He then went on to lead the company’s Financial, Professional and International Insurance segment and subsequently the company’s Business and International Insurance segment. He also oversaw [Travelers](/org/the-travelers-companies)’ Field Management, Corporate Communications and Public Policy organizations.

Before joining [Travelers](/org/the-travelers-companies), Schnitzer served as the company’s lead outside counsel as a partner in the law firm of Simpson Thacher & Bartlett LLP, where he advised corporate clients on a variety of transactions and general corporate law matters.

Schnitzer is a member of the Board of Trustees of the [University of Pennsylvania](/org/university-of-pennsylvania) and a member of the Board of Directors of [New York City Ballet](/org/nycballet), Memorial Sloan Kettering Cancer Center and the Connecticut Council for Education Reform.

Schnitzer earned his undergraduate degree in finance and accounting from The Wharton School of the [University of Pennsylvania](/org/university-of-pennsylvania) and his J.D. from Columbia Law School.

Alan D. Schnitzer

Andy Bessette is Executive Vice President and Chief Administrative Officer for [Travelers](/org/the-travelers-companies). He has responsibility for Corporate Real Estate, Administrative Services, Community Relations, Aviation, Internal Investigations, Event Management, Business Continuity and Sports Sponsorships, including the company's official marketing partnership with the PGA TOUR and title sponsorship of the [Travelers](/org/the-travelers-companies) Championship. Bessette is a member of the [University of Connecticut](/org/university-of-connecticut)’s Board of Trustees and of the Board of Directors of the [University of Connecticut](/org/university-of-connecticut) Health Center. He is Vice Chairman of the Capital Region Development Authority and a member of the Board of Governors for Hartford Hospital. Bessette holds a bachelor’s degree from the [University of Connecticut](/org/university-of-connecticut) and a master’s degree from the [University of Rhode Island](/org/university-of-rhode-island).

Andy F. Bessette

Avrohom J. (“A.J.”) Kess is Vice Chairman and Chief Legal Officer of [Travelers](/org/the-travelers-companies). He is responsible for Legal Services, including Government Relations, as well as Corporate Communications, Public Policy and the [Travelers](/org/the-travelers-companies) Institute. Kess joined the company in December 2016 from the law firm Simpson Thacher & Bartlett LLP, where he was a Partner, a member of the Corporate Department and Head of the Public Company Advisory Practice. He also served as [Travelers](/org/the-travelers-companies)’ lead outside counsel, advising the company on a wide range of general corporate, transactional, securities laws and governance matters. Kess was a special counsel to The Conference Board Commission on Public Trust and Private Enterprise. He is a frequent speaker and an author on corporate governance topics. Kess received his bachelor’s degree in accounting from Brooklyn College and his J.D. from [New York University](/org/nyu).

Avrohom J. Kess

Eric Nordquist is Executive Vice President and President, Small Commercial and Business Insurance Business Centers for Travelers. He is responsible for a collection of businesses, including Select, that serve small business owners, and the specialty areas of Agribusiness, National Programs, Northland Transportation and Northfield Excess & Surplus. He also leads the BI Business Centers located across the country that create capacity at the local level and provide customer solutions that make it easier to do business with Travelers. Nordquist joined Travelers Personal Insurance (PI) in 2011. He previously worked for nearly 14 years at [The Hartford](/org/the-hartford) in senior product and underwriting roles in Personal Insurance and Commercial Lines. Nordquist holds a Bachelor of Science in mathematics from Liberty University in Lynchburg, Virginia, and a Master of Business Administration (MBA) in finance from the [University of Connecticut](/org/university-of-connecticut).


Eric Nordquist

Sara Maughan

Mr. Santana is a Board Member, President and Chief Executive Officer of Westinghouse Air Brake Technologies Corporation (“Wabtec”). Previously, from November 2017 to February 2019, Mr. Santana served as President and Chief Executive Officer of GE Transportation, a division of General Electric Company. Mr. Santana joined GE in 2000 and held a variety of global leadership roles in the transportation, power, and oil and gas businesses, including President and Chief Executive Officer of GE in Latin America from January 2016 to November 2017, President and Chief Executive Officer of GE Oil and Gas Turbomachinery Solutions, and Chief Executive Officer for GE Gas Engines and Chief Executive Officer of GE Energy Latin America.

Rafael Santana

Ms. van Kralingen is Senior Vice President of IBM. Previously from 2020 until July 2021, Ms. van Kralingen served as Senior Vice President, Global Markets & Sales at IBM. Ms. van Kralingen joined IBM in 2004 and held a variety of leadership roles, including Senior Vice President, Global Industries, Clients, Platforms and Blockchain, Senior Vice President, Global Business Services, General Manager IBM North America, General Manager, Global Business Services in Europe, Middle East and Africa and Global Managing Partner, Financial Services Sector, Global Business Services. Prior to that, Ms. van Kralingen served as Managing Partner: US Financial Services with Deloitte Consulting. Ms. van Kralingen is a director of Royal Bank of Canada, and a board member of the New York Historical Society and the Partnership for New York City.

Bridget Van Kralingen

Peter Heard is Executive Vice President, Enterprise Distribution for Travelers. He is responsible for the overall development and execution of the company’s distribution strategy. Heard started with Travelers in 1984 as an investment analyst, and in 1991, he entered the company’s three-year rotational Financial Management Leadership Development Program. In 1994, he joined National Accounts as an account executive and was later named Marketing Director and Managing Director in New York City. He served for 10 years as Vice President of National Accounts, Northeast Region. In 2016, he was named Vice President, National Enterprise Distribution Management, where he was responsible for key agent and broker relationships, business development and analytics. In 2018, he was also named Regional President, Northeast, before assuming his current role in 2021.

Heard holds a bachelor’s degree in management from Roger Williams University and an MBA from Rensselaer Polytechnic Institute. He is a trustee of Roger Williams University, serves on the business advisory board of the Gabelli School of Business at RWU, is an executive committee member of the Spencer Education Foundation and is a board member of the Connecticut Cycling Advancement Program, the premier youth cycling development group in the United States.

Peter A. Heard

Mr. Leonardi served as Executive Vice President of American International Group, Inc. and Vice Chairman of AIG Life Holdings, Inc. from November 2017 until his retirement in May 2020, where he was responsible for Government Affairs, Public Policy, Communications and Sustainability. From January 2015 to October 2017, he was a Senior Advisor to Evercore Inc., a global investment banking advisory firm. Previously, Mr. Leonardi was Commissioner of the Connecticut Insurance Department from February 2011 to December 2014. For 22 years prior to his appointment as Commissioner, he was Chairman and Chief Executive Officer of Northington Partners Inc., a venture capital and investment banking firm. Before Northington, he was head of the investment banking and venture capital divisions of Conning & Company and President of Beneficial Corporation’s insurance subsidiaries. He began his career as a litigation attorney in Connecticut.

Thomas B. Leonardi

Bill Heyman is Vice Chairman and Chief Investment Officer for [Travelers](/org/the-travelers-companies), a position he has held since May 2005. He was Executive Vice President and Chief Investment Officer at [Travelers](/org/the-travelers-companies) and The St. Paul Companies, which he joined in May 2002 from [Citigroup](/org/citigroup), where he was Chairman of [Citigroup](/org/citigroup) Investments. He was previously a Managing Director of Salomon Brothers and Director of Market Regulation at the [Securities and Exchange Commission](/org/sec). Heyman graduated from [Princeton University](/org/princeton), where he was elected to Phi Beta Kappa, and Harvard Law School. He is Chairman of the Board of Governors of the Financial Regulatory Authority (FINRA), and a member of the Investors Advisory Committee on Financial Markets of the Federal Reserve Bank of New York and of the [Council on Foreign Relations](/org/council-on-foreign-relations). Heyman was appointed by President George W. Bush in 2007 as a director of the Securities Investor Protection Corporation (SIPC), where he served for four years.

William H. Heyman

Mojgan Lefebvre is Executive Vice President and Chief Technology & Operations Officer for [Travelers](/org/the-travelers-companies). She joined [Travelers](/org/the-travelers-companies) in October 2018 with over two decades of experience successfully leading both employee- and customer-facing technologies. Prior to [Travelers](/org/the-travelers-companies), Lefebvre spent eight years at [Liberty Mutual](/org/liberty-mutual), where she was most recently Senior Vice President and Chief Information Officer for the [Global Risk Solutions](/org/globalrisksolutions) business. Previously, she held leadership positions across a variety of industries, from medical device company [bioMérieux](/org/biomerieux-sa) to strategy consulting firm Bain. Lefebvre earned her undergraduate degree in computer science from the [Georgia Institute of Technology](/org/georgia-institute-of-technology) and her MBA from [Harvard Business School](/org/harvard-business-school). She has been honored by Digital Insurance with a “Women in Insurance Leadership” award and was named a “Woman to Watch in Science and Technology” by the Boston Business Journal. She has lived in six countries and speaks three languages.

Mojgan Lefebvre

Patrick F. Keegan

Gregory C. Toczydlowski

Janet M. Dolan

William J. Kane

Todd C. Schermerhorn

Patricia L. Higgins

Philip T. Ruegger III

Laurie J. Thomsen

Alan L. Beller

Clarence Otis Jr.

Elizabeth E. Robinson

Jeff Klenk is Executive Vice President, Management Liability, Bond & Specialty Insurance for [Travelers](/org/the-travelers-companies). He joined the [Travelers](/org/the-travelers-companies) Bond & Specialty Insurance team in 1999 and is responsible for the company’s portfolio of management liability and crime products. Klenk is a past president of the Professional Liability Underwriting Society (PLUS) and was awarded the society’s Founder’s Award. He is also a past president of the [PLUS](/org/plus) Foundation, the society’s philanthropic arm. He holds a bachelor’s degree in political science from [Florida State University](/org/florida-state-university), and his JD from the National Law Center at George Washington University.

Jeffrey P. Klenk

Bill Malugen is Executive Vice President and President, National Accounts for [Travelers](/org/the-travelers-companies). He began his career at [Travelers](/org/the-travelers-companies) in 1981 as a Commercial Lines underwriter and has held Regional Vice President positions in Field Marketing and National Accounts. Malugen serves on the Board of the National Council on Compensation Insurance, and on the Board of Trustees of the Connecticut Science Center. He holds a bachelor's degree and a master's degree in business administration from [Middle Tennessee State University](/org/middle-tennessee-state-university). He is a Chartered Property Casualty Underwriter (CPCU) and Associate in Risk Management (ARM).

William C. Malugen

Dave Rowland is Executive Vice President and Co-Chief Investment Officer for [Travelers](/org/the-travelers-companies), a position he has held since August 2019. Rowland is a member of the company’s Management Committee. He served as Executive Vice President and Deputy Chief Investment Officer since 2018 and oversaw [Travelers](/org/the-travelers-companies)’ $70 billion fixed income investment portfolio. Rowland joined [Travelers](/org/the-travelers-companies) in 1996 from Piper Jaffray Companies, where he was Vice President in the fixed income group. He was previously Associate Vice President in the public finance department at Dain Bosworth Inc.

David D. Rowland

Dan Yin is Executive Vice President and Co-Chief Investment Officer for [Travelers](/org/the-travelers-companies), a position he has held since August 2019. Yin is a member of the company’s Management Committee. He served as Executive Vice President and Deputy Chief Investment Officer since 2018 and oversaw [Travelers](/org/the-travelers-companies)’ alternative investment activities, including private equity, hedge funds and direct investments. Yin joined [Travelers](/org/the-travelers-companies) in 2002 from ACE Asset Management, the investment arm of what is now Chubb Ltd., where he was responsible for implementing investment strategies across a global portfolio.

Daniel T.H. Yin

Michael Klein is Executive Vice President and President, Personal Insurance for Travelers. He previously led the Middle Market business, served as President of Commercial Accounts, and was Senior Vice President, Industry and Product Group. Klein joined the company in 1990 and has held various positions in Commercial Insurance, Underwriting Knowledge Management, Corporate Planning and Development, Global Health Care Underwriting, and Financial and Professional Services. He serves on the Board of Trustees for the Wadsworth Atheneum Museum of Art in Hartford, Connecticut, and is a member of the Executive Committee of Connecticut’s Insurance and Financial Services Cluster. Klein holds a bachelor’s degree in mathematics from Minnesota State University – Mankato, and he is a fellow of the Casualty Actuarial Society.

Michael F. Klein

Nicholas Seminara is Executive Vice President and Chief Claim Officer for [Travelers](/org/the-travelers-companies). He has responsibility for all Claim functions. From 2005 to 2017, he was Senior Vice President and Claim General Counsel. Previously, he held senior-level roles in the company’s Bond, Surety and Claim organizations. Mr. Seminara holds a master’s degree in business administration and a J.D. from [Fordham University](/org/fordham-university).

Nicholas Seminara

Christine Kalla is Executive Vice President and General Counsel for [Travelers](/org/the-travelers-companies) and the company’s Chief Ethics and Compliance Officer. She joined [Travelers](/org/the-travelers-companies) in 1997 as Counsel, and has successfully assumed roles of increasing complexity and responsibility in Legal Services. Prior to joining [Travelers](/org/the-travelers-companies), she practiced law at Oppenheimer Wolff and Donnelly in Minneapolis, focusing on commercial litigation and employment law. Kalla received her undergraduate degree from the [University of Minnesota](/org/university-of-minnesota), and her J.D. degree from the William Mitchell College of Law.

Travelers

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