Lynn Bachstetter is the Associate Director of Product Management at S&P Global Market Intelligence. Full Bio

Lynn Bachstetter is the Associate Director of Product Management at S&P Global Market Intelligence. In this role, Lynn helps oversee the operational and strategic management of the Insurance Group. The Insurance Group is responsible for delivering company-specific and sector information to 1,000+ clients, including investment banks, asset management firms, global and regional insurance companies, brokers, consultants and accounting firms. Prior to joining the firm in 2008, Lynn was a credit ratings analyst with Fitch Ratings covering insurance companies. Lynn holds a Bachelor of Science in Business Administration degree from Villanova University. Minimize

Raghu Ramachandran is a consultant with S&P Dow Jones Indices in the Insurance Channel focusing on general accounts of Insurance Companies. Prior to S&P, Mr. Ramachandran was CIO at Global Indemnity & Old Mutual (Bermuda). Full Bio

Raghu Ramachandran is a consultant with S&P Dow Jones Indices in the Insurance Channel focusing on general accounts of Insurance Companies. Prior to S&P, Mr. Ramachandran was CIO at Global Indemnity & Old Mutual (Bermuda). He was also an Insurance Portfolio Manager and Portfolio Strategist at Brown Brothers Harriman & Co. Mr. Ramachandran has a B.S. in Physics and a B.A. in Astronomy from the University of Texas - Austin. Minimize

Tim Zawacki is a principal research analyst covering the U.S. insurance industry for S&P Global Market Intelligence. He has covered the insurance industry in various capacities since joining SNL Financial in 1999. Full Bio

Tim Zawacki is a principal research analyst covering the U.S. insurance industry for S&P Global Market Intelligence. He has covered the insurance industry in various capacities since joining SNL Financial in 1999. Based in Charlottesville, VA, Timauthors the annual US P&C Market Report,US Life and Annuity Market Report and various other thought leadership providing historical context and forward-looking outlooks regarding key industry trends and developments at the line of business level. Tim hasalso published numerous articles and research on M&A activity in the property and casualty and life and health insurance sectors, focused on trends in the underwriting and distribution sides of the business. He is a 1999 graduate of the University of Virginia. Minimize

John Iten is a Senior Director and Property/Casualty Insurance Sector Lead in the North American Financial Services group at S&P Global Ratings. Full Bio

John Iten is a Senior Director and Property/Casualty Insurance Sector Lead in the North American Financial Services group at S&P Global Ratings. He leads the group’s research, commentary, and investor outreach efforts on property/casualty insurance. He also has primary analytic responsibility for a portfolio of high-profile property/casualty insurers. Prior to his current role John led a team of credit analysts within Nonlife Insurance responsible for a portfolio of North American property/casualty, multiline, title and bond insurers.

Prior to rejoining S&P in 2002, John was with Scudder Insurance Asset Management, a unit of Zurich Scudder Investments, for eight years where he focused on the management of investment portfolios for property/casualty and health insurers. Before joining Scudder, John was an analyst with Standard & Poor’s Insurance Ratings for six years with responsibility for a portfolio of U.S. and European property/casualty and life insurers.

John received his undergraduate degree from the University of Virginia and MBA degree from Duke University. Minimize

Carmi Margalit is a Senior Director and the Life Insurance Sector Lead for the North American Financial Services Ratings group. Full Bio