Ryan Ford

• Directed organization of 35 personnel, ensuring alignment with business objectives.
• Oversaw pricing assumptions, underwriting data, trend forecasting, and financial analytics for CVS Caremark’s 100+ million lives and $170 billion revenue stream.
• Executed turnarounds for two underperforming teams by focusing on strategic goals and enhancing processes.
• Identified and eliminated roadblocks, facilitating effective talent placement and empowering decision-making at all levels.
• Championed launch of a new underwriting ecosystem, developing complex logic and innovative solutions.
• Adapted underwriting strategies to market shifts, including biosimilar impacts and GLP-1 trends.
• Presented strategic updates related to TrueCost product launch and rebate guarantees to executives and stakeholders.
• Redesigned organizational model to optimize business strategy, forming dedicated Assumptions actuarial team while reducing headcount.

• Established trust with five market presidents in a fast-growing 1.2M lives market.
• Oversaw development of small group self-insured stop-loss product, achieving over 30k members and $40M annual profit.
• Collaborated with Chief Network Officer and Market President to negotiate four high-performance networks for Individual ACA product, securing #1 and #2 positions in two states.
• Determined initial pricing strategy for new MN joint venture market, validated by external consultant.
• Upon promotion to Senior Director, expanded operations to Arizona joint venture market with 2.2M lives; recruited Director for daily management.
• Initiated change management for innovative organizational structure integrating three market teams, enhancing efficiency and engagement, later deployed nationally.

• Oversaw P&L for Medicare Advantage and Medicaid businesses in IL, achieving over $500M in annual revenues.
• Managed launch of Medicaid and Dual-Demonstration products to optimize capital deployment strategies.
• Led operational turnaround by establishing processes that enhanced financial operations and analytics.
• Developed strategic plans and provided monthly operating updates to executive leadership team.
• Served as senior leader in rapidly expanding office, doubling its size within one year.
• Recruited and hired seven out of ten Finance and Informatics team members to strengthen capabilities.

Trend / Reserves – Actuarial Sr. Manager: Forecasted and reported Cigna's medical and Rx trends to inform pricing and financial plans, and external guidance. Managed reserve blocks for medical, behavioral, Medicare, and dental products, analyzing monthly financial results.

Medical Cost Management and Sales Support – Actuarial Manager: Led discount data submission to consultants like Aon Hewitt and Towers Watson, influencing carrier selection. Leveraged discount calculation expertise to enhance Cigna's competitive positioning in consultant presentations.

Behavioral Health – Pricing Specialist: Presented mental health parity compliance examinations to major clients during the economic downturn. Developed client-specific ROI models for smoking cessation and obesity products, driving engagement.

Commercial Medical – Pricing Analyst: Analyzed rating and competitive data to identify growth opportunities in the Mid-Atlantic market.