Joshua Houghton

About Joshua Houghton

As a Director within Ally\'s Insurance Risk Management, my role is entrenched in establishing rigorous processes that ensure compliance and effective governance. With certifications like CPCU and a focus on coaching, I\'m steadfast in fostering a robust risk culture and independent review mechanisms that align with corporate policies. My tenure has been marked by direct engagement with business lines, enhancing understanding and driving adherence to established standards. The team\'s commitment under my leadership has consistently promoted timely execution, reflecting my dedication to precision and integrity in navigating the complex terrain of insurance risk.

Experience

1. Director of Insurance Risk

   Ally

   May 2022 — Present · Detroit, MI, US

   Responsible for the oversight and direction of testing and monitoring, governance, and review and challenge activities for the IRM Insurance Risk team.Primary responsibilities include:Establish processes and cadences for independent testing and monitoring of Business Line controls and processes and drive timely execution and completion of IRM testing and monitoring responsibilities.Monitor and drive Business Line adherence to enterprise policies and provide independent review and challenge of Business Line policies, standards, and procedures.Engage directly with Business Line to understand business offerings, processes and procedures; work effectively with Business Line associates while maintaining independence necessary to fulfill IRM\'s review and effective challenge responsibilities.Provide review, challenge, and monitoring of key business line actuarial processes (e.g, Pricing, Reserving, Underwriting) and support the on-going development and growth of the team.

Education

• Central Michigan University

  Bachelor's Degree, Business Administration; Finance

  2009 — 2011

• Wayne State University

  Master of Business Administration (M.B.A.), Finance and Management

  2013 — 2015

• Oakland Community College

  Associate's Degree, Business Administration

  2006 — 2009

Skills

• Credit
• Financial Modeling
• Microsoft Word
• Financial Analysis
• Financial Accounting
• Sales Operations
• Customer Service
• Bex Analyzer
• Microsoft Office
• Sales
• Cold Calling
• Logistics
• Training
• Excel
• Economic Capital
• Credit Analysis
• Personal Finance
• Retail
• Underwriting
• Management
• Powerpoint
• Microsoft Excel
• Time Management
• Analysis
• Word
• Hyperion
• Leadership
• Enterprise Risk Management
• Finance