During his 14 year career at Deloitte Howard advised clients across Life, Property/Casualty and Reinsurance in the areas of corporate governance, strategy, crisis management, ESG, communications, insurtech, public affairs, regulatory and reputational risk. Mr. Mills is regularly quoted on insurance matters by the Wall Street Journal, The New York Times, The Financial Times, Bloomberg, SNL Financial, The Hill, Politico, Best’s Review. 

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Prior to joining Deloitte in 2007, Mr. Mills served as Superintendent of the New York State Insurance Department. During his tenure he led the Department’s transition to conducting risk-based examinations, lobbied Congress to renew the Federal Terrorism Risk Insurance Act (TRIA) and concluded settlement agreements with the industry. He also led on issues at the National Association of Insurance Commissioners (NAIC) such as principles-based reserving for life insurance companies and disaster preparedness. He was active at the International Association of Insurance Supervisors (IAIS), was a member of the Presidential Financial and Banking Information Infrastructure Committee, served as Co-Chair of the International Commission on Holocaust Era Insurance Claims, and testified before Congress on matters relating to the insurance industry. 

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Howard served three terms in the New York State Assembly (1999-2004) and rose to become the Deputy Minority Leader. He served on the committees on Banks, Housing, Insurance, Ways and Means and was the Ranking Minority Member of the Committee on Corrections. He was a member of the National Conference of Insurance Legislators (NCOIL). He has been an adjunct instructor of political science at Mount Saint Mary College and at Orange County Community College.

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Howard earned his B.A. in political science from Marist College and his M.A. in public administration from The American University. He completed a one year course of study in PPE (politics, philosophy, economics) at Mansfield College, Oxford. 

Mr. Mills has 30 years of experience serving on the Boards of not-for-profit organizations. Currently Howard serves as President of the Insurance Federation of New York and as an Advisory Council Member of The Institutes Griffith Insurance Education Foundation.