
Howard Mills
Howard Mills is a director and chief advisor of the Insurance Industry Group of Deloitte LLP. Mills came to Deloitte after serving as Superintendent of the New York State Insurance Department.

Howard Mills is a director and chief advisor of the Insurance Industry Group of Deloitte LLP. Mills came to Deloitte after serving as Superintendent of the New York State Insurance Department.
While capital remains the primary tool that IAIS plans to use to ensure global insurer solvency, the IAIS demonstrated an apparent new openness to listening to those who had decried its rush to new standards, and its unwillingness to consider the equivalency of current local regimes.
The NAICs recent and startlingly rapid moves towards a cyber regulatory doctrine are evidence of the importance and vulnerability of cyberspace.
By appealing to their enlightened self-interest, CIOs can convert CFOs into fellow innovators.
One of the few positive outcomes of the financial downturn has been the realization that ongoing innovation and transformation really are required to stay ahead of our direct competition and the evolutionary changes in the marketplace.
Today's technology leaders are expanding well beyond their traditional role.
Assigning blame shouldnt be the only strategy you have in case of a major data breach.
Deloitte research finds that financial services is the industry most targeted by cyber criminals.
Insurers should be in the business of making life safer and better for consumers all the time.
A recent survey finds that more than 33 percent of employees either are actively looking for a new position or are keeping their options open.
Insurers are on the front lines of the cyber risk fight and can help clients discover and leverage best practices across industries.
IT will be required to develop the robust systems and data environment to perform and analyze risk metrics in tight time frames. There's a regulatory train coming, and IT needs to stay ahead of it.
As the system gains acceptance, regulators expect major expansions to the use of LEIs in an effort to gain insight into the connectivity of financial systems.
Delays in updating risk management only serve to damage credibility and open the door to unnecessary dangers.
A recent survey found cyber attack to be among the world's top five threats, which means insurers have a big responsibility to help others, as well as themselves.
Potential consumers already believe they need more coverage, however, they need to be approached just the right way.
For dealing with the immense complexities behind regulatory and risk concerns, static data and spreadsheets may not cut it.
Jeremy Lin and confirmation bias: How analytics are finding a sure-fire way to upend the status quo.
Department of Housing and Urban Development proposal an example of why insurers need to engage evolving regulatory risks, rather than bunker down and weather the current storm.
The FIO Director's testimony hints at the sustained power of state insurance regulators and the influence of the FIO report due in January.
If there was ever a time to work extra at improving the industry's image, an unfortunate, natural disaster-prone 2011 may be it.