Stephen Brand, Senior Director of Architecture on our Enterprise Architecture and Emerging Technology team, has been with us under the umbrella since April of 2021. During his time on our team, he has discovered the company culture we are proud of, opportunities to learn and grow and our commitment to innovation, technology and the growing field of architecture.

He is glad he chose to bring his career to Travelers and wants to share why you might also consider exploring a career on our team.

My Adventures in Architecture at Travelers

By Stephen Brand
Senior Director, Architecture

In the new year, I took some time to reflect on my career journey and how it has led me to my current position. Being in the technology industry, I have made a series of professional decisions that led me to one choice that I’m glad I made – joining the Enterprise Architecture and Emerging Tech team at Travelers.

While thinking about my time at Travelers, thus far, I have come up with three key factors any architecture job seeker should consider when choosing a career path with a new company:

• Company Culture
• Learning & Growth Opportunities
• Commitment to Architecture

Company Culture:

As any good architect or architecture leader will tell you, relationships are the lifeblood of the work we do. Yes, in a technology group, we always have our eye on the technology and the future directions it will undoubtedly take us, but it’s really the people who help drive you.

Joining an organization full-time, remotely, during a pandemic was undoubtedly a risky proposition. That being said, to say that my manager and team embraced me when I joined is an understatement. I have been able to have conversations with colleagues from across the organization – from engineers to chief architects to CIOs and everyone in between.

When you work at Travelers, you will work with talented technologists who are innovating products that are impacting the lives of our customers and employees. What’s even more refreshing about Travelers’ culture is that all ideas are encouraged and welcomed by everyone at all levels. Hackathons, Competitions and Innovation Jams are commonplace and have resulted in incredible patents, product offerings and awards. The tech, collaboration and teamwork I have experienced at Travelers thus far has been exceptional.

Learning & Growth Opportunities:

When choosing a company, learning and development opportunities are paramount, particularly in the technology field that is constantly changing and evolving. It is important to understand how a company supports its employees’ development so everyone can learn and grow.

Not a day goes by where there hasn’t been something new to learn and a team of leaders who support education along the way. When I took this role as a Senior Director of Architecture supporting Bond & Specialty Insurance (B&SI), it was one of the few remaining areas of insurance technology in which I had no prior experience – but I was determined to learn.

Early on, I attended training courses designed to educate employees on the B&SI business. During these sessions, key executives from the unit were on hand to discuss business strategy and what differentiates Travelers in the market. This type of interaction also provided another opportunity to build relationships within the community. The learning tools I acquired during these courses will continue to come in handy as my career journey at Travelers progresses.

From a technology learning perspective, I’ve also seen a huge commitment to modernization efforts and the upskilling needed to get there. Travelers is funding the education and certification for AWS and our leadership is leading by example in this regard.

Commitment to Architecture:

I knew I was walking into something special from my first interview with the architecture teams and leaders at Travelers. I’ve been at big companies most of my career, including several Fortune 100 companies, but I’ve never been at a place that values architecture quite like Travelers does.

Travelers has already started its own agile, digital and cloud transformations. Whether working on the latest cloud technologies, using machine learning to analyze customer correspondence or helping to ensure our systems are modernized and reliable for our customers and employees, I’m proud that my team is at the forefront of these critical initiatives.

As Travelers focuses on performing for today and transforming for the future, it’s not only about our current work. We are focused on what’s next in architecture and technology, and our business is committed to ensuring that we have the talent to succeed by expanding roles and career opportunities for architects across the company. This considerable investment in architecture is really exciting.

I couldn’t be prouder of being here at Travelers and going through this journey with my team. I truly hope some of you will join us on our adventure.

Have you ever considered a data science career within the insurance industry? This may not have crossed your mind before, but you may want to think again.

Kevin Mahoney, Vice President of Data Science at Travelers, understands the data and analytics that drive business decisions within the insurance industry and appreciates the innovative technologies used by our teams at Travelers that help provide the right solutions for the lives and businesses of the customers we’re privileged to serve.

Kevin appeared on an episode of The Data Standard Audio Experience podcast to answer the question: “What is data science like in the insurance space?” He described how the law of large numbers and predictive modeling connect to the world of insurance.

“I don’t have to predict exactly what will happen to any one customer, but I really have to be able to accurately predict what will happen in aggregate to millions of customers so I can adequately price insurance policies,” Kevin said during the interview.

He also shared his unique career path from serving in the U.S. Coast Guard to working as a math instructor at the U.S. Coast Guard Academy, and then onto his 15-year career in data science at Travelers.

“I remember having a conversation with a recruiter at Travelers and he asked me what I wanted to do, and I said I want to do something with statistics,” Kevin recalled.

He went on to say he wasn’t initially sure how statistics fit into insurance but has since learned that data and analytics are central to the industry and having the ability to apply his skills to practical applications has provided a rewarding career path at Travelers.

“You know when it all comes together: the math, the theory, the programming skills, the business challenge, that can be very gratifying to bring all those together and apply your skills to real-world problems.”

Are you a data scientist or a future data scientist considering an insurance career? Listen to the full podcast to learn more about the intersection between data science and insurance at Travelers.

Join our technology & analytics talent community to receive job alerts.

In this Power of Travelers Is Us video, you will meet Jhavier L., a Software Engineer at Travelers.

While he understands and values the importance of sharing his authentic self at work, it has been a journey to grow his comfort level. He attributes his Travelers managers and mentors for guiding him along the way.

“Being earlier in my career, I don’t want to overstep or make anyone feel uncomfortable and I’m trying to kind of like find the space between which parts of myself should I leave at home,” Jhavier says in the video.  Throughout his career under the umbrella, his membership of the Travelers Pride and Allies Diversity Network facilitated mentor relationships that encouraged him to be more open with his team.

“[My mentor] is teaching me that you bring your entire self to work. So I think the true benefit of Travelers as a whole, even outside of the diversity networks, is that you still have spaces on your day-to-day job with your main team where you can feel comfortable and share who you are.”

Within an inclusive community and with the guidance Jhavier has received, he has found Travelers to be a company where he can grow his technology career and a workplace culture that invites all unique ideas, perspectives and people to the table.

“[My mentor] has helped me to understand the importance of being seen and visible so that people would have more respect for your identity in different spaces.”

Watch the full video to hear more about Jhavier’s journey.

The company has made significant progress in reducing its carbon footprint, cutting Scope 1 and 2 emissions* by more than 40% between 2011 and 2020. Over the next decade, Travelers will achieve carbon neutrality by reducing or offsetting an additional 50,000 metric tons of carbon dioxide – the equivalent of eliminating the impact of about 125 million vehicle miles. In this way, Travelers will be doing its part to align with the target set forth in the Paris Climate Agreement to limit the global temperature increase in the 21st century to 1.5 degrees Celsius.

This initiative is the latest in a series of enhancements Travelers has made in recent years to make its operations more eco-efficient. These include, among others:

• Cutting energy consumption in half at its largest owned campus (in Hartford, Connecticut).
• Increasingly relying on renewable energy sources to supply electricity at its owned facilities.
• Ensuring all of its owned campuses are ENERGY STAR® certified.

In addition to minimizing Travelers’ carbon footprint, the company’s climate strategy includes providing risk management products and services to alternative energy businesses through its Global Renewable Energy Practice, thereby facilitating the transition to a lower-carbon economy. In 2020, the company grew this business by approximately 40%.

More information about the company’s eco-efficient operations and climate strategy is available at sustainability.travelers.com.

Reforestation Commitment

For years, Travelers has supported American Forests, the country’s oldest nonprofit conservation group, to protect the nation’s forests and promote reforestation. In April 2019, Travelers launched an important and impactful initiative with American Forests, committing to fund the planting of one tree for each Personal Insurance billing account converted to paperless billing. Since then, the company has funded the planting of 1.5 million trees in areas most in need of reforestation while lowering its paper consumption by tens of millions of pages.

The company announced that it is extending its support of American Forests and expects to plant an additional 1.5 million trees by June 2022.

“Ensuring the vitality of our forests is critical to minimizing the effects of changing climate conditions,” said Michael Klein, Executive Vice President and President of Personal Insurance at Travelers. “We are excited and extremely proud to deepen our relationship with American Forests, and we look forward to making an important contribution to the reforestation of some of the country’s most endangered ecosystems.”

“Through our partnership with Travelers, we have made a substantial impact on some of America’s most essential natural landscapes – helping to grow forest resilience in the face of a changing climate and create a better, healthier environment for everyone,” said Jad Daley, President and Chief Executive Officer of American Forests. “We are grateful for Travelers’ generous continued support and look forward to achieving this new goal together.”

Customers can opt in to paperless billing, manage their accounts and access online claim resources by visiting MyTravelers.com.

*Scope 1 emissions include those that are directly generated by the company’s activities, and Scope 2 emissions include those that are indirectly generated by energy purchased by the company.

For the second straight year, Travelers has been selected by the CIO 100 Awards competition, which honors 100 organizations whose teams use technology in innovative ways to deliver business value. This year’s recognition is based on our enterprise-wide approach to digitizing key aspects of our business value chain, and for transforming the way we engage with customers, collaborate with partners and maintain our competitive advantage in risk expertise.

The highlights of our nomination included our powerful use of deep-learning AI models, the Business Owner Policy (BOP) 2.0 product offering, the Claim Virtual Visit tool and our Unified Chat platform capabilities.

We’re applying our models to streamline the underwriting process and improve customer service – especially in the aftermath of weather catastrophes. Our Roof Shape Classification AI Model is one of the latest examples of how we use aerial imagery, deep learning models and geospatial data in an AI-powered tool now used by our agents.

For BOP 2.0, we built a product enabled by a technology platform that includes an AI-powered recommendation engine and uses geospatial and third-party data to predict the business type based on information submitted by agents to properly classify and accurately price businesses up the underwriting process.

And we rolled out a major release for our Unified Chat platform in response to the escalating customer needs during the COVID-19 pandemic, retraining an AI-powered, self-service chatbot within 24 hours to better answer pandemic-related questions.

Mojgan Lefebvre, Travelers Chief Technology & Operations Officer, says, “It is a tremendous honor for Travelers to receive this year’s award two years running. It further demonstrates how an innovative mindset plus advanced analytics and AI can power exceptional customer experiences.”

Read the CIO 100 press release to learn more about the award and consider joining a winning team through a technology career at Travelers.

By Mojgan Lefebvre
EVP, Chief Technology & Operations Officer, Travelers

This post is featured as an article on Mojgan Lefebvre’s LinkedIn profile page.

As a talented software engineer or data scientist, when you imagine your dream job, you may envision working in a thriving “startup” culture of innovation. You may look for a place where you can learn and work on a diverse set of technologies, from internet-connected devices and deep learning models to intelligent process automation, blockchain and machine learning.

Maybe insurance doesn’t immediately come to mind. But if you knew the extent of technology’s impact on the industry and the really cool work we do at Travelers in the Analytics and Tech organizations, you wouldn’t look further. I’ll share with you a few reasons why you should seriously consider a career in technology at Travelers, a leading provider of property casualty insurance for auto, home and business.

As a new computer science graduate from the Georgia Institute of Technology in 1990, I couldn’t have predicted a career path leading to my current role. I’ve always been drawn to opportunities that balance the transformative benefits of technology in people’s lives with the practical business outcomes that enable companies to grow. I recognize that same spirit of purpose-driven career choices in many of our Travelers’ technologists today.

I entered the insurance industry in 2010, after working across Asia, Europe and the Americas in the fields of high-tech and health care. I was amazed at the level of investment that the IT organization was making and how heavily the industry relied on data, analytics, risk management and digital capabilities.

In 2018, I was drawn to Travelers’ storied reputation for constant innovation in the world of insurance – especially the way the more than 165-year-old insurer nurtures and supports an openness to change. We’re focused on continuously transforming the way we engage with customers and collaborate with partners while extending our competitive advantage in risk expertise.

This work spans all our major business lines and has made a tangible difference in how well we were able to respond to the pandemic. I am proud of the way our Travelers teams have risen to every challenge over the past year.

Last March, we pivoted to a remote work environment. Our goal was to keep our people safe without compromising the high-quality service we provide to our customers, agents and brokers. To do that, our Tech and Operations teams had to equip 30,000 employees with all the necessary tools. And they did it seamlessly – we didn’t miss a beat.

Our success was the result of sound business continuity planning and the investments we have made in processes, tools and technologies over the years.

For instance, our AI teams quickly spotted unanswered questions related to COVID-19 at the onset of the pandemic. Our data science and engineering teams jumped on the opportunity to improve our AI algorithms to quickly recognize COVID-related questions. This ensured that we could improve the customer experience by answering questions more accurately through our chatbot. With the volume of increased queries, the AI models continued to learn and improve over time.

Another example is our expanded Claim Virtual Visit tools, which Travelers’ Claim organization built to help our professionals safely interact with customers, claimants and other third parties and virtually conduct property or auto inspections. We saw the use of these tools multiply during the pandemic. Our cross-functional agile teams also got the opportunity to continually adjust capabilities based on customer feedback.

Across the insurance value chain, Travelers is leveraging advanced technologies, such as geospatial and deep learning models to come swiftly to the aid of customers whose houses are damaged from wildfires or weather disasters. Such solutions not only create a positive experience for our customers but also keep our employees safe as they work with our claimants. These are just a few examples of how our technologists see their work making a difference in people’s lives.

None of the above can happen without the talented technology professionals who recognize the vast career opportunities the insurance industry has to offer. During the pandemic, Travelers hired and virtually onboarded more than 300 employees into our Tech organization, and we remain committed to recruiting great new talent. Our technologists and data experts will continue to play a key role in helping to automate and improve the experiences of our customers, agents and brokers throughout the insurance life cycle.

If what you’ve read sounds like the kind of place where your dream job could flourish, I invite you to discover your career under the umbrella.

Connect with Mojgan Lefebvre and other Travelers technology leaders on LinkedIn.

How does a large company tackle complex business challenges in imaginative ways? One effective method is to tap into the creativity data-driven employees bring to the table, providing them development opportunities and generating outcomes to create the products that best serve our customers.

Bring on the friendly competition.

During the 2020 Virtual Predictive Modeling Competition, 75 companywide data scientists, data engineers and technology-oriented employees formed into 21 teams with one challenge: to develop a new model that helps our Claim organization more swiftly predict the severity of an accident at faster rates and improve payout predictions.

The eight-week competition gave participants the chance to work with new technologies and frameworks that deepened their skillsets and provided opportunities to collaborate across departments. The event was sponsored by Travelers Claim Business Intelligence and Analytics (CBIA) and Enterprise Data and Analytics (ED&A).

Teams relied on their knowledge of AWS cloud technology, graphics processing units, unstructured data sources and machine learning to analyze a range of information to develop and build their models.

According to the competition winners, reviewing data from customer interaction with claim handlers was paramount. “We didn’t reinvent the wheel, but our model predictions were sensible and could predict high severity claims with a high level of confidence,” said Murat Yasar, Analytics & Research, Business Insurance.

“I saw the competition as a great challenge. It was also a great way to network and share knowledge – which is really a precious opportunity, especially during the pandemic,” said Susan Ye, Data & Research, CBIA.

Travelers began these modeling competitions in 2016 with the goal of providing training opportunities around deep learning and image analytics. But the impact of the work goes far beyond training.

“The winning solution from the 2018 competition is still being used at Travelers – it’s like a Swiss army knife for data scientists,” said George Lee, who leads the Data Science team in ED&A’s AI Accelerator. “That’s our hope for this year’s winning solution.”

Solving for today and architecting for the future, teams at Travelers have been recognized, yet again, for developing innovative solutions to meet the rapidly evolving needs of our customers, agents, brokers and employees.

2020 CIO 100 Award

From a field of more than 400 nominations, Travelers made the 2020 CIO 100 Award honorees list for an innovation that is especially relevant today, the Wildfire Loss Detector (WLD), which uses high-resolution geospatial imagery and a deep-learning model to quickly identify properties that are total losses.

As a result of this tool, this year alone, Travelers has helped many of our customers in California and Oregon begin the recovery process before returning home following wildfire events.

Mojgan Lefebvre, EVP, Chief Technology and Operations Officer, was interviewed about WLD during a breakout session at the CIO 100 Virtual Symposium, Conference & Awards entitled “How Travelers Uses Artificial Intelligence (AI) to Accelerate Wildfire Damage Assessment and Claims.” She spoke about the positive business outcomes that AI-driven technologies can deliver directly to customers.

“By using AI – along with existing and emerging technologies – we can accelerate the transformation of our data into actionable insights that enhance the experience for our customers while allowing us to better manage risk,” Mojgan said. “And while advanced analytics have always been utilized in the insurance and financial services industry, the use of AI is amplifying that usage and giving it greater momentum.”

In addition to securing the CIO 100 Award for WLD, the solution also earned a Gartner Eye on Innovation Award in 2019.

2020 Gartner Eye on Innovation Award

For the second consecutive year, Travelers made the list of finalists for the Gartner Eye on Innovation Award for Financial Services – this time, for the AI Roof Shape Model.

This Personal Insurance (PI) innovation was named one of the top nine finalists out of more than 220 global nominations for the award, which recognizes innovative use of digital technology-enabled capabilities, products or services for financial services in the Americas.

The model can identify a roof’s shape with high accuracy using aerial imagery and machine learning. This provides rating consistency and pricing accuracy and improves the customer experience.

Mano Mannoochahr, SVP, Chief Data and Analytics Officer, says, “The AI roof shape work has led to several other imagery-based automations, including solar panel identification and roof condition assessment. It’s also helping us reduce friction from the underwriting process while improving risk segmentation and pricing.”

Read more about our 2019 Gartner Eye on Innovation Award.

Members of the Car Dealer UAV Team.

For more than 165 years, Travelers’ innovative employees continually ask themselves and their colleagues, “what’s next?” And throughout the years, their curiosity has led to the development of creative solutions recognized by the U.S. Patent and Trademarks Office.
Check out what creativity looks like at Travelers in the following six U.S. patents received this year by members of the Travelers Technology team.

• Electronic Auto Policy ID Card (U.S. Patent No. 10,636,096). Jeffrey Carlson, Flinn Mueller and Michal Sterzycki are meeting our customers where they are by enabling auto customers to create and download an ID card, receive it via email or text, and save it to their Apple Wallet. The card contains instructions on filing a claim and deep links to the user’s policy info.
• Car Dealer UAV (U.S. Patent No. 10,592,934). Ian Michel, George Lee, Pee T Lim and John Han devised the use of unmanned aerial vehicles (UAVs) to capture images for immediate analysis and damage estimates. Imagine the system being used to efficiently determine the amount of damage to a vehicle fleet at an auto dealership after a severe weather event.
• Digital Forensics Lab (U.S. Patent No. 10,546,133). Krystopher Aurigemma, Luis Bedoya, Roy Emmerthal, Patrick Griffin, Eric Raabe and James Shanley received a patent for creating a system to analyze digital media devices infected with malware, using virtual desktop sessions to provide flexibility in the deployment of processing resources and isolation of threats.
• Mobile Risk Assessment Tool (U.S. Patent No. 10,586,193). Steve Roach participated on a team that identified how real-time video analysis of property conditions can aid the underwriting process. Consider a subject matter expert observing assessor data collection and providing real-time guidance to optimize the data collection process and minimize the need for multiple trips to gather supplemental information.
• Virtual Co-Location (U.S. Patent No. 10,574,942). Doug Roy and Ryan Scanlon introduced the use of an Internet of Things (IoT) device that connects remote workers with their teams using host device hardware sensors and a client software app to communicate status changes in each location.
• Data Archival and Retrieval Tool (DART) (U.S. Patent No. 10,635,688). Venkatraman Raman and the late Venu Challagolla designed a reusable metadata-driven, sustainable data transfer framework that simplifies data complexities, access, availability and analysis onto a single platform.

Through Travelers’ Innovation Jam Hackathons and day-to-day innovative thinking, our multi-disciplinary teams will continue to put their creative minds together to produce solutions that make a difference in the lives of our customers and each other.
As we look forward and wonder what’s next for our business, are you wondering what’s next for your career in technology?