About Us

Our Mission

To help insurers achieve their credit rating and enterprise risk management goals.

Our Services

CTM Advisory is a Massachusetts based consulting group that provides credit rating advisory and enterprise risk management (ERM) support services (see Chart following) to small and medium-sized insurers (SMIs).

Our Services | CTM Advisory
Note SMI Risk Solutions™ is a common sense, cost effective approach to enterprise risk management designed specifically to help small and medium-sized insurers (SMIs) achieve a variety of strategic and financial goals (see ERM Solutions for more details).

Why CTM? (Our P-E-R-C-S™)

  • Preparedness

    We adhere to the old adage that “an ounce of prevention is worth a pound of cure.” That’s why our customers are prepared for virtually any challenge.

  • Experience

    Few consulting groups can claim to have more than 25 years of rating agency experience as both an insider and an outsider. We can.

  • Relationships

    We endeavor to build long-term, productive relationships with our customers, partners and associates.

  • Commitment

    We are tireless in our pursuit of excellence because any worthwhile goal is worth the struggle and effort of obtaining it.

  • Service

    We place the interests of our customers first and work hard to exceed their expectations.

Our Founder

Matthew T. Coyle

Matthew T. Coyle

Principal and Founder

Matt Coyle has worked more than 25 years in the insurance industry in roles ranging from an Assistant Treasurer at a Fortune 100 Insurance Company to a Senior Director of Insurance Ratings at Standard & Poor’s.

Prior to launching CTM Enterprise Risk Advisers, Matt served as an Assistant Treasurer at Argo Group where he was primarily responsible and in charge of managing investor and rating agency relationships as well as developing strategies for cash and capital management.

Matt also served as an Assistant Treasurer at Liberty Mutual where he and his team were responsible for cash and capital management, investor and rating agency management, quarterly financial reporting and enterprise risk management compliance and optimization.

During that period, Matt organized and successfully led an industry task force to address and significantly reduce rating agency capital requirements. Matt and his team were also significant contributors on $10 billion worth of M&A transactions and $4 billion of new debt issues.

Matt began his career at Standard & Poor’s Insurance Ratings Group where he was a Senior Director and Credit Analyst in charge of issuing credit opinions, developing criteria, managing research teams and credit training.

Matt has a M.B.A. from the Lubin School of Business at Pace University and is a graduate from Montclair State University.

Our Values

  • Loyalty, duty and selfless service to our customers, partners and associates is what defines us.
  • An unwavering determination to find solutions to complex problems is what drives us.
  • The need to always do the right thing is what guides us.

“The most important factor of all is character, which involves integrity, unselfish and devoted purpose, a sturdiness of bearing when everything goes wrong and all are critical, and a willingness to sacrifice self in the interest of the common good.”— General George C. Marshall

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References Available

CTM at NAMIC 2017

  • Matt Coyle, CTM's Founder Hosts Inaugural Exhibit

Our Charities

CTM Advisory is a proud supporter of the Marine Corps-Law Enforcement Foundation.

CTM Advisory |Credit Rating Solutions for Insurers

Testimonials

“Matt has impressed me with his strong work ethic and ability to understand and analyze complex financial institutions.”

Jay Dhru, Executive