Michael Stober

AVP Process Reengineering, Business Insurance Operations Travelers

Michael Stober has spent more than 25 years redesigning operating models across some of the most complex organizations in their industries — through mergers, acquisitions, and divestitures at The Hartford, Aetna, Anthem, Citizens Bank, StanleyWorks, and Travelers. Today, as an Executive Operating Model Redesign Leader at Travelers, he leads the operating model redesign powering AI transformation within business insurance — translating emerging automation into operating models that work at scale, integrating people, process, technology, and structure — in environments where the stakes are high and the legacy runs deep. He is known for cutting through theory and building operating models that hold. Michael's view on AI transformation is direct: most organizations treat it as a technology problem and wonder why it doesn't stick. The work that actually matters is twofold — rigorous design and delivery of the transformation itself, and the harder, slower work of shifting how an organization thinks, decides, and executes. A new operating model without new ways of working produces the same outcomes held together by different scaffolding. The cultural transformation is not a change management workstream. It is the transformation.