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

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

Carmi Margalit is a Senior Director and the Life Insurance Sector Lead for the North American Financial Services Ratings group. Carmi leads the group’s research, commentary and analytical outreach efforts on life insurance. He serves as the subject matter expert on life and annuities in North America and is one of the primary voices of S&P Global’sinteractions with the market in the sector. He directly covers a portfolio of high profile life insurers and follows the entire sector very closely.

Prior to his current role, Carmi was the analytical manager of the life and health insurance team; he was an analyst on the life team and in the structured finance group before that.

Carmi is a Chartered Financial Analyst, holds an M.B.A. from Columbia Business School and a B.A. in industrial engineering from the Tel Aviv University. Minimize

Raghu Ramachandran is the Head of S&P Dow Jones Indices’ (S&P DJI) Insurance Asset Channel. Full Bio

Raghu Ramachandran is the Head of S&P Dow Jones Indices’ (S&P DJI) Insurance Asset Channel. In this role, he is responsible for applying S&P DJI resources to solve problems for insurance companies. Raghu works on how indices are used to create innovative products for insurance companies, benchmarking general account portfolios and the use of ETFs by insurance companies.

Prior to joining S&P DJI, Raghu was CIO at a P&C and a Life insurance company. Prior to working at insurance companies, Raghu was an insurance portfolio manager and head of the portfolio strategy group for Brown Brothers Harriman & Co. Previously, Raghu also worked at Tillinghast (now Willis Towers Watson), developing stochastic modeling tools. He has extensive experience in portfolio and liquidity management, portfolio strategy, hedging, product development, and stochastic modelling.

Raghu has a bachelor’s in physics and a bachelor’s in astronomy from the University of Texas at Austin. Raghu regularly writes and speaks about investment issues related to insurance. Each year, Raghu publishes an analysis of ETF usage by insurance companies. In 2017, this paper received a “Highly Commended” award for Best ETF Paper by Savvy Investor and in 2018, the paper received “Best ETFs Paper” award. 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

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