Managing Directors

Thomas Hettinger,  ACAS MAAA Tom Hettinger is a Managing Director with EMB America LLC. Tom has over 16 years of experience and joined EMB America after a 12 year career spanning reinsurance brokering and actuarial consulting. Before joining our team, Tom was chief actuary for the tenth largest reinsurance broker in the world, John B. Collins associates, and was a principal with a well-respected independent actuarial consulting firm.  More...





David Otto,  FCAS MAAA 
Dave Otto is a Managing Director with EMB America LLC. Dave has over 16 years experience and joined EMB America after an 11-year career in actuarial consulting beginning with Coopers & Lybrand in 1992 and subsequently with The Kilbourne Company in 1994.   More...





Geoff Werner,  FCAS MAAA 
Geoff Werner is a Managing Director with EMB America LLC. During Geoff’s 18 year career in the insurance industry, he has specialized in personal lines pricing. Before joining our team, Geoff held a variety of positions at United Services Automobile Association (USAA) and GEICO. His positions at USAA included executive director of Actuarial Development, executive director of Property Pricing, executive director of Research, and director of Auto Pricing.  More...



Senior Staff