Chuck Ruzicka is a Research Council Fellow at Novarica. He has expertise in insurance IT leadership and business transformation as well as technology strategy for personal, commercial, workers’ comp, life, and specialty lines. Prior to joining Novarica, Ruzicka served in senior technology management roles including VP at Progressive Insurance, where he was responsible for financial system architecture, billing, divisional policy, and financial systems; both CIO of Agency Markets and VP of Infrastructure Software and Security at Liberty Mutual; and CIO at several regional insurance companies. Most recently, Ruzicka was an independent consultant, using his experience to complete roadmaps for application portfolio upgrades and information management strategies as well as to lead core system software selection projects. He also has board member experience for mutual property/casualty, specialty lines, and software development companies. Chuck has an MBA in Finance from the Ohio State University. He can be reached directly at cruzicka@novarica.com.