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Michelle Richter is a passionate business leader with more than fifteen years of experience designing, deploying and scaling innovative insurance and wealth management products and programs. ◦ Expertise in integrating wealth management, life insurance, annuities, and asset management for both retail and institutional businesses. ◦ Proven track record launching new businesses and re-engineering existing operations. ◦ Named inventor on patented method for insurance investment product decision modeling ◦ Focused on retirement and risk management for affluent, high net worth, and institutional markets. ◦ Emphasis on operations leadership, human capital development, quantitative modeling expertise, collaboration with sales/distribution, compliance and regulatory oversight, product and program development.