Nicholas J. Santoro has extensive experience leading financial services and insurance companies. As CEO, he improved operations at Travelers' Business Insurance Group, reducing turnaround time by 12% and saving $54 million annually. At UnitedHealth, he founded the first Healthcare Bank and launched their first consumer-driven health plan. Santoro previously held senior roles at NASDAQ, Citigroup, and The Travelers.

1. Nicholas J. Santoro has vast experience in leading and growing financial services and insurance product companies, serving at the highest levels with The Travelers, UnitedHealth and the NASDAQ.<br />As CEO, Santoro led the Business Insurance Group for Travelers Indemnity Company, implementing a new operating strategy that, among other things, improved turnaround time by 12 percent and saved $54 million annually. The Business Insurance Group includes more than 2500 employees and 300 offshore resources. At The Travelers he previously held the position of CFO for the Personal Lines business.<br />Under the umbrella of the UnitedHealth family of companies as CEO and Director of Exante Financial Services, he founded the first Healthcare Bank, invented (patented) eligibility verification through the use of financial card products and launched UnitedHealth’s first individual consumer-driven health plan.<br />His background also includes stints as Senior Vice President and Corporate Controller for the NASDAQ Stock Market, where he was responsible for external SEC reporting and business development; Vice President and Group Controller for eCiti, as well as a number of other positions, at Citicorp (Citigroup); and Accounting Manager for the Bank of New York.<br />Specialties: insurance, financial services, health care, SEC regulations<br />Prior Experience:<br />COO Travelers Indemnity Company Business Insurance<br />CFO Travelers Indemnity Insurance Personal Lines<br />CEO, Director UnitedHealth Group Exante Financial Services<br />SVP, Corporate Controller The NASDAQ Stock market<br />VP, Group Controller Citicorp<br />Education:<br />B.S. Business Administration, Marist College<br />Highlights:<br />Former Board positions with Premier Insurance Company, Exante Bank, IndigoMarkets India,<br />Chairman’s Award, Citicorp<br />