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Amy Radin

Amy Radin

Amy Radin is a pragmatic innovator and technology-driven marketer who builds businesses and solves problems in ways that traditional approaches cannot achieve. A tenacious leader, Radin builds and mobilizes high-energy teams that view the world through the lens of the customer, and push the envelope to achieve unexpected and extraordinary results.

Her approach has created transformational impact at major brands, including Citi, American Express, E*TRADE and AXA. As CMO for AXA, she created a strategic marketing function, establishing a performance culture and business-critical capabilities. At Citi Cards, she legitimized the role of digital as essential to results, taking prospecting out of the mailbox and moving it online, increasing online bookings 20x and scaling digital account management, billing, payments and service.

Radin has launched breakthrough customer experiences leveraging emerging technology. She piloted contactless payments in the NYC subway system, ran the first test of mobile digital cash exchange in the U.S. and pioneered the use of online disposable account numbers to increase e-commerce security. Her transit payments work achieved wide recognition, including Business Week’s International Design Excellence Award, and enabled Citi to advance a new global business line.

Radin is a member of the New York Angels, a Huffington Post columnist and a contributor to Insurance Thought Leadership. She has been an industry adviser to Fintech Innovation Lab and was recognized by Business Week as a top corporate innovator and by U.S. Banker as one of the Most Powerful Women in Banking. She has also served as vice chairman and a trustee of the Healthcare Chaplaincy Network. Radin is a graduate of the Wharton School (MBA, marketing) and Wesleyan University (BA, College of Letters and Spanish).

Recent Articles by Amy Radin

10 Reasons Why Founders Fail

A seed stage investor with a 20-year track record of success recently told me, “There are 100 things a founder must get right for his company to succeed, and if he only gets 99 of them right he is likely to fail.” I have heard the pitches of several hundred founders seeking seed funding over […]

Getting Back in Step With People’s Needs

The origins of life insurance show up at least as long ago as the Middle Ages, when the notion of providing mutual aid emerged in organized structures. People came together via benefit societies for those in need and for the good of all. Similarly, modern-day carriers originated with mutual ownership – a construct that prioritized […]

It’s Time for Some Lemonade

Irrespective of your sector of interest or whether you are in the market for insurance, take a few minutes to watch this video, Science Behind Lemonade, and the App demo. There has been so much hype about the Lemonade launch over the past months, but this is the real deal in insurance disruption. It offers lessons for any innovator, […]

Health Startups Go After 3 Pain Points

In my last post, I outlined the four dimensions that are defining the opportunities for health insurtech innovation: the health of the American people, marketplace trends, the role of regulation and the players. Incumbent health insurers are pursuing legacy tactics to compete in the ACA world. There are big M&A approved (Centene/Healthnet) and facing regulatory […]

Can InsurTech Make Miracles in Health?

As an American and the de facto administrator of my family’s health insurance, I am reminded routinely of some of the complexities of the methods we employ to maximize health and pay for care in this country. Forces are driving individuals, providers, insurers and employers to change their approaches or suffer the consequences. InsurTech companies […]

The Start-Ups That Are Innovating in Life

In my last post, I provided categories within which to organize the innovation players within life insurance. Both start-ups and legacy businesses are pursuing solutions to industry pain points. Attention is being paid to distribution, product, client experience, speed, productivity, big data, compliance and other areas within the life category where inefficiency exists or where […]

Insurance Innovation: No Longer Oxymoron

While most insurance technology start-up activity in the U.S. is concentrated in health and auto, there are signs of life (pun intended) in the life insurance sector. Given the business model challenges reported in my last post, optimists will see upside and big commercial white space throughout the ecosystem. People with the skills, smarts and […]

8 Start-ups Aiming to Revive Life Insurance

In my last post, I described the state of the life insurance industry, including the pain points where InsurTech entrants are poised for impact. The life insurance industry is suffering from a dying (literally) distribution model, complex products and a flawed purchase funnel. New entrants can transform the industry by bringing a clean-sheet approach to: […]

InsurTech Can Help Fix Drop in Life Insurance

No one disputes that life insurance ownership in the U.S. has been on the decline for decades. The question up for debate is what to do about it. The emergence of an insurtech sector is an indicator of entrepreneur and investor confidence in upside potential. The hundreds of millions of dollars being poured into technology […]

A Practical Tool to Connect to Customers

I recently led a workshop at the BRITE Conference at Columbia University on how to connect to customers and was honored to be among speakers including Shelly Lazarus, Ogilvy’s chairman emeritus; Vikram Somaya, ESPN’s global CDO; Linda Boff, CMO of GE; and Columbia Professor and innovation thought leader Rita McGrath. Organized by faculty members David Rogers, Matt Quint and Bernd […]

A Wake-Up Call for B2B Brands

Gallup has just released the Guide to Customer Centricity: Analytics and Advice for B2B Leaders. The study reports that 71% of B2B clients are ready and willing to take their business elsewhere – not even one-third are fully engaged in their relationships with suppliers. If you are operating in the B2B world – and you […]

Wanted by the CEO: A Superhero CMO

The IDC “2016 Global Chief Marketing Officer FutureScape” predicts CMO turnover continuing at 25% per year or higher through 2018. This is not surprising, as marketing continues to be disrupted and reinvented. The CMO must anticipate the expectations of the connected consumer, master an accelerating digital learning curve and negotiate a new role and relationship to […]

What Is Your 2016 Playbook for Growth?

CEOs entering 2016 convinced they can succeed by doubling down on what worked in the past may be reading from the wrong playbook. According to a recently released Forrester/Odgers Berndtson study, “The State of Digital Business 2015,” most companies remain unprepared for digital transformation” — an absolute must for growth. Yet executives representing the diverse […]

What Silicon Valley Says on Insurance

Overheard at “Insurance Disrupted 2015,” held Nov. 18 and 19 in Palo Alto, CA, cosponsored by Silicon Valley Innovation Center and Insurance Thought Leadership: From The Sun Also Rises, by Ernest Hemingway: “How did you go bankrupt?”… ‘Two ways. Gradually, then suddenly.’ Paul Carroll, CEO of ITL: “Insurance has been in the ‘gradually’ phase of […]

Can Insurers Move at the Speed of Change?

Chances are you are currently or soon to be engaged in the annual planning cycle, taking stock of the year and anticipating your goals and targets for 2016. Annual planning feels anachronistic in a world where businesses survive only by operating at least at the speed of change, and where constant iteration is the order […]

Strategy: Now Is Not a Good Time…

The founder and CEO of an early-stage company that has just closed a solid seed round tells me that what has benefited his business most in the past year, and allowed him to pivot toward a promising future, can be expressed in one word: focus. The CEO of a late-stage startup who spent more than […]

The Formula for Getting Growth Results

Real growth — not incremental improvements to last year’s numbers, but big results coming from new opportunities you manage to seize and commercialize — is hard to come by. There are so many distractions, so many rabbit holes you can fall into — the lure of a cool technology, a move by a competitor that […]

Who Is Your Chief Customer Officer?

In my role as market connector, I constantly meet people with all kinds of job titles, many of which did not exist even a few years ago. Some reflect a “cool” factor more than substance. Others signal strategic intent translated into an organizational decision. Recently, there’s been a burst of senior-level titles speaking to a […]

From Marketing Myths to Truths

No insurance executive in touch with the marketplace would deny that traditional distribution is no longer a reliable way to deliver dependable sales and enduring customer relationships. The adviser-based model is under threat in most sector categories. Why? There are many reasons, but two at the top of the list are: Customers are changing – […]

A CMO’s IT Dream Team

Dear CIO and my partner-in-creating-the-future: I came across this great quote from Rita McGrath that makes me laugh but also wince because it’s such a painfully accurate observation, especially as I think about how many of these barriers we could overcome by transforming the way marketing and IT work together: “All of our innovation barriers […]

6 Trends Signaling Major Opportunity

Last year, I decided to pursue a career transition as a full-time occupation. I’ve been out in the market for the past six months, assessing business opportunities as I network with executives in financial services, healthcare, media and retail, as well as with VCs, private equity investors and advisers. What’s been great is that invariably […]

A 2015 To-Do List for Digital Transformation

The new year already feels well under way. The pressure is on to accelerate progress and increase business impact on all things digital. You’ve locked down the budget, and goals are in place. Now it’s time to reset the results meter and build momentum. If one of your goals is to make digital matter more […]

I’m Spending a Fortune on Digital…So Where Are the Profits?

I doubt any readers of this post work with a CFO who is measuring Return on Empathy. Empathy? How can something as soft, as emotional, as seemingly non-quantifiable as identifying with people’s feelings, thoughts and emotions translate not only into hard-core financial benefit but also value to customers, patients, agents, employees or other participants in […]

I’m Spending a Fortune on Digital…So Where Are the Profits?

The “consumer-ization” of healthcare and threats to the long-established business model of the life insurance industry are just two examples of how traditional players are facing intensifying pressure to be more purposeful about their digital strategies. No doubt about it, digital investments will continue to grow. To turn these investments into marketplace advantages, insurance brands […]

Uber Should Be a Friend, Not a Foe

As I read the considerable amount of press Uber is attracting, the level of negativity from the insurance industry is striking. Uber is free-loading. Uber is undermining consumer protections. Uber encourages drivers to engage in what amounts to insurance fraud. And on and on. Reality is, Uber, Lyft and the many other start-up companies of […]

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