Jane Carlin - Hanover Insurance Independent Director

AF4 Stock  EUR 123.00  1.00  0.81%   

Director

Ms. Jane D. Carlin is an Independent Director of the Company. Ms. Carlin has provided advisory and consultancy services to financial services companies since 2012. Prior to that, Ms. Carlin served in senior roles with leading companies, including Morgan Stanley Group Inc. and Credit Suisse Group AG. At Morgan Stanley, she held a number of leadership positions, most recently, as managing director, global head of financial holding company governance and assurance, from 2006 to 2012, and previously from 1987 to 2003, when she served as managing director and deputy general counsel. From 2003 to 2006, Carlin was managing director and global head of bank operational risk oversight at Credit Suisse. In 2010, Carlin was appointed by the U.S. Treasury Department as chair of the Financial Services Sector Coordinating Council for Critical Infrastructure Protection and Homeland Security and served in that role until 2012. Prior to that, from 2009 to 2010, she served as vice chair of the FSSCC and as chair of its Cyber Security Committee. Ms. Carlin serves as a trustee of iShares Trust and iShares U.S. ETF Trust. Ms. Carlin served as a director of Astoria Financial Corporationrationration, a publicly traded bank holding company, and its wholly owned subsidiary, Astoria Bank, from January 2014 to February 2015 since 2016.
Age 63
Tenure 8 years
Phone508 855 1000
Webhttps://www.hanover.com
Carlin also served as a director of PHH Corporationrationrationration, a publicly traded provider of endtoend mortgage solutions, from September 2012 until its acquisition by Ocwen Financial Corporationration in October 2018. We believe Ms. Carlin’s qualifications to serve on our Board include her many years of management experience in compliance, risk oversight, and cyber security in the financial services industry, and her experience on the boards of other publicly traded companies.

Hanover Insurance Management Efficiency

Hanover Insurance's management efficiency ratios could be used to measure how well Hanover Insurance manages its routine affairs as well as how well it operates its assets and liabilities.
The company has accumulated 782.4 M in total debt with debt to equity ratio (D/E) of 0.25, which may suggest the company is not taking enough advantage from borrowing. Hanover Insurance has a current ratio of 0.36, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist Hanover Insurance until it has trouble settling it off, either with new capital or with free cash flow. So, Hanover Insurance's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Hanover Insurance sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Hanover to invest in growth at high rates of return. When we think about Hanover Insurance's use of debt, we should always consider it together with cash and equity.

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The Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts. HANOVER INSUR operates under InsuranceProperty Casualty classification in Germany and is traded on Frankfurt Stock Exchange. It employs 4300 people. The Hanover Insurance (AF4) is traded on Frankfurt Exchange in Germany and employs 4,600 people.

Management Performance

Hanover Insurance Leadership Team

Elected by the shareholders, the Hanover Insurance's board of directors comprises two types of representatives: Hanover Insurance inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Hanover. The board's role is to monitor Hanover Insurance's management team and ensure that shareholders' interests are well served. Hanover Insurance's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Hanover Insurance's outside directors are responsible for providing unbiased perspectives on the board's policies.
Sarah Medina, President - Professional Liability
Scott Grieco, Chief Product and Underwriting officer
P Condron, Independent Chairman of the Board
Martin Hughes, Independent Director
John Roche, Senior Vice President and Presidentident - Business Insurance
Harriett Taggart, Independent Director
Cynthia Egan, Independent Vice Chairman of the Board
Jeffrey Farber, Chief Financial Officer, Executive Vice President, Senior Finance Officer
Ann Tripp, Executive Vice President, Chief Investment Officer, Treasurer and President, Opus Investment Management, Inc.
Matthew Mitchell, President - Hanover's middle market business
James Kelley, President - Hanover Specialty Industrial Property
Jennifer Luisa, VP Officer
Richard Lavey, Senior Vice President Chief Marketing and Distribution Officer
Theodore Bunting, Director
Gayle Falvey, VP COO
Warren Barnes, Senior Vice President and Corporate Controller and Principal Accounting Officer
Mark Welzenbach, Executive Vice President, Chief Claims Officer
Lindsay Greenfield, Pres Director
Wendell Knox, Independent Director
Willard Lee, Chief VP
Daniel Henry, Independent Director
Mark Berthiaume, Executive Vice President, Chief Technology Innovation Officer
Denise Lowsley, Chief Human Resource Officer, Executive Vice President
Dennis Kerrigan, Executive Vice President General Counsel, Assistant Secretary
Kathleen Lane, Independent Director
Oksana Lukasheva, IR Contact Officer
Joseph Ramrath, Independent Director
Jane Carlin, Independent Director
Kevin Bradicich, Independent Director
Bryan Salvatore, Executive Vice President and Presidentident - Specialty

Hanover Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Hanover Insurance a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Pair Trading with Hanover Insurance

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Hanover Insurance position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Hanover Insurance will appreciate offsetting losses from the drop in the long position's value.

Moving against Hanover Stock

  0.47WR1 W R BerkleyPairCorr
The ability to find closely correlated positions to Hanover Insurance could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Hanover Insurance when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Hanover Insurance - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling The Hanover Insurance to buy it.
The correlation of Hanover Insurance is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Hanover Insurance moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Hanover Insurance moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Hanover Insurance can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Hanover Insurance is a strong investment it is important to analyze Hanover Insurance's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Hanover Insurance's future performance. For an informed investment choice regarding Hanover Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in The Hanover Insurance. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in board of governors.
You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.

Complementary Tools for Hanover Stock analysis

When running Hanover Insurance's price analysis, check to measure Hanover Insurance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Hanover Insurance is operating at the current time. Most of Hanover Insurance's value examination focuses on studying past and present price action to predict the probability of Hanover Insurance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Hanover Insurance's price. Additionally, you may evaluate how the addition of Hanover Insurance to your portfolios can decrease your overall portfolio volatility.
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Please note, there is a significant difference between Hanover Insurance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Hanover Insurance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Hanover Insurance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.