To help insurers achieve their credit rating and
corporate governance-ERM (enterprise risk management) goals.
CTM Advisory is a Massachusetts based consulting group that provides small to medium-sized insurers (SMIs) with the following support services and solutions :
Credit Rating Advisory
CTM offers insurers new to the rating process or currently rated the following support services (custom presentations, dress rehearsals, benchmarking and advanced analytics).
Benchmarking & Valuation
CTM offers insurers an independent and objective assessment of their organization’s absolute and relative strengths, weaknesses and value as compared to like competitors.
CTM helps insurers establish and codify a formal governance framework w/protocols consistent with the organization’s goals, strategy, risk appetite and risk tolerance.
ERM (SMI Risk Solutions™)
CTM helps insurers develop and codify a comprehensive approach to risk management that improves the planning process, addresses regulatory concerns and achieves other organizational goals.
Our P-E-R-C-S™ (Why CTM?)
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.
Few consulting groups can claim to have more than 25 years of rating agency/ERM experience as both an insider and an outsider. We can.
We endeavor to build long-term, productive relationships with our customers, partners and associates.
We are tireless in our pursuit of excellence because any worthwhile goal is worth the struggle and effort of obtaining it.
We place the interests of our customers first and work hard to exceed their expectations.
Matthew T. Coyle
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.
- 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