Carol is Chief Innovation and Analytics Officer of Tenzing Health, creating community-based health cooperatives that link people, organizations and resources. The future of health and well-being lies in the idea that 'all markets are conversations' and creating this ongoing conversation with all it implies. Tenzing's innovations in analytics and human-centered design stimulate new notions of health, care, community and sustainability, and accelerate their integration. Prior to joining Tenzing, Carol was vice president of R&D in Humana's Innovation Center where she pioneered novel computational approaches in prediction, knowledge discovery and simulation. She launched Humana's innovations in personalized medicine research and led their Health Services Research Center, emphasizing research in population health, health outcomes, health economics, drug safety and the psychology of health behavior change. Carol also launched and served on the board of Green Ribbon Health, delivering innovations in health services to seniors in Florida. Carol served as a member of the National Committee on Vital and Health Statistics (NCVHS) and as advisor to the HRP Scientific Program Board. Carol is a fellow of the Society of Actuaries and a member of the American Academy of Actuaries.