North America Personal Risk Services
Fran O’Brien started her career at Chubb as an actuarial trainee. Working in the Actuarial Department for 5 years, she achieved the position of Senior Pricing Specialist for personal
insurance. She soon became the Product Development Manager for the Masterpiece
product responsible for finalizing the product design, its rating plan, the policy issuance
system and implementing it across the US and Canada. Based on her work on Masterpiece, Fran was promoted to the position of Personal Automobile Underwriting Manager responsible for the profit and growth of the auto product.
When Chubb Personal Insurance started expanding outside the United States and Canada, she took on the additional role of International Property Underwriting Manager. In this position, she helped to expand Chubb Personal Insurance Operations in Europe, Latin America, and Asia. In the late 1990’s, she was asked to manage the Business Resource
Group in the Chubb Personal Insurance business unit. The Business Resource Group liaised with the Information Technology department to maintain and update the personal insurance policy issuance, underwriting, appraisal and billing systems.
In 2000, Fran became the Worldwide Underwriting Manager responsible for all personal insurance products, their pricing, underwriting and reinsurance strategy; which grew to represent $4 billion in annual premium by 2013. In 2007, she was promoted to Chubb Personal Insurance’s Chief Underwriting Officer role for International Business and in 2009 was named Co-Chief Underwriting Officer for Chubb Personal Insurance Worldwide Operations. In 2011, she was named Chief Underwriting Officer for Chubb Personal Insurance Worldwide Operations. In this position she was responsible for managing the global portfolio of personal insurance products to generate a target return on equity. Her specific responsibilities included strategic development; and the evolution and execution of work with customer segments, products, new product development, pricing, underwriting, and reinsurance. She also managed the underwriting authorities of the global personal insurance staff.
In March of 2014, Fran was promoted to the role of Global Corporate Chief Risk Officer for Chubb, where she was responsible for evolving the Enterprise Risk Management structure linking the business and capital management strategies.
In January of 2016, Fran became Division President, North America Personal Risk Services where she assumed overall operational responsibility for the division and its property and casualty insurance products for successful individuals and families with fine homes, automobiles, art, jewelry, watercraft and other valuable possessions.
Fran also serves as the Executive Sponsor of the Chubb Women’s Business Roundtable.
She is a graduate of Villanova University with a degree in Mathematics.