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Michelle is a Manager in the Deloitte Center for Financial Services in New York. As a subject matter specialist for the insurance industry, Michelle produces thought ware on current and future trends, including strategies and solutions for our clients. Several papers most recently authored are, “2019 Insurance Outlook: Growing economy bolsters insurers, but longer-term trends may require transformation" and "Closing the gap in fintech collaboration: Overcoming obstacles to a symbiotic relationship".