I am Richard Hartman, a Business Consultant forged in the crucible of the Employee Benefits and Risk Management sectors, an industry leader in the vibrant realms of Food & Beverage and Hospitality. My story began in 1979, stepping into the insurance arena fresh out of college, eager to make my mark.
Since then, I have donned many hats—Carrier Representative, Agent, Sales Manager, and now Consultant—each role a chapter in a saga defined by resilience and relentless pursuit of excellence. I actively contribute to several industry boards and committees, passionately chairing my firm's Diversity, Equity, and Inclusion committee.
My initiation into the FWA was nothing short of transformative. As I sponsored a networking event, I was swept away by an exhilarating tide of energy and ambition. It was here that I witnessed the fierce support for women across all career stages—from ambitious students to powerful C-suite executives in Finance. This electric atmosphere turned me into a fervent believer in their mission.
My research unveiled a disheartening truth: women are not just underrepresented in numbers but shockingly absent from the upper echelons of leadership in many professions, finance being a glaring example. Raised by visionary parents and surrounded by four inspiring sisters, I have always felt an unwavering duty to stand up and give back, to be an ally in this critical fight. With the backing of strong male allies and a finance executive whose journey has unfolded without such support.
My journey with the FWA, intertwined with my involvement in NYC Women of Hospitality and Women in Restaurant Leadership, has unveiled a powerful narrative—a call to action for like-minded allies, both women and men, to join us in this essential movement.
The FWA has ignited a profound shift in my life's purpose. After over 45 years navigating the complexities of the insurance industry, I am driven by a singular goal: to empower and elevate women in our field, transforming my career into a legacy of pride and impact. The FWA has given me as much—if not more—than I have contributed. When I was approached to lead the Men’s Alliance Committee, I was struck by a wave of doubt and exhilaration—could I truly be the catalyst for the change we so desperately need? But with the unwavering support of Albana and the FWA leadership team, I found my footing, a beacon guiding me through uncharted waters.
I must give heartfelt recognition to my Co-Chair, Chuck Privitera, a steadfast ally who embodies our mission daily. Together, we are crafting a series of dynamic events, the first featuring a trailblazing attorney who has thrived with the backing of strong male allies and a finance executive whose journey has unfolded without such support. Their contrasting narratives will spark critical conversations, and we invite your ideas for future topics.
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Discover More FWA Voices
Explore the recently-released features below, or click here to view the full collection of FWA Voices.
Lily Klebanoff Blake
Lily Klebanoff Blake has over 20 years of experience working in emerging markets. Currently, she is the President of Klebanoff International, a business consultancy focused on the countries of the Former Soviet Union and China. Prior to that, Lily was the Executive Director of the American Medical Consortium, which facilitated entry of Fortune 500 companies (Colgate-Palmolive, Hewlett Packard, Pfizer, and Amoco) into the Soviet market.
Laura Smith Dunaief
After building a successful 20-year career in retail and wholesale financial services, Laura Smith Dunaief made a bold pivot. In 2003, she launched CareerCraft, a consultancy focused on helping organizations strengthen leadership, communication, change management, and relationship-building skills.
Nancy Ancovitz
Nancy Ancowitz prepares senior leaders and rising talent for high-stakes presentations, meetings, and interviews where crisp communication shapes outcomes. As a career strategist and trusted advisor, she partners with clients and graduate students to prepare for consequential leadership moments.
Kari Desai
Kari Desai is the Vice President of Product Development at CNO Financial Group, where she leads the enterprise-wide design and execution of insurance product development across the Consumer and Worksite Divisions. Since joining CNO in 2022, Kari has overseen the end-to-end creation and enhancement of products across multiple product lines and brands, shaping product roadmaps that balance market opportunity, customer needs, and cross-functional execution.
Kristel Philogene
Kristel Philogene is an accomplished business leader at BNY, located in New York, and known for leading cross-functional initiatives that enhance regulatory risk governance. She collaborates closely with senior stakeholders to design and implement scalable frameworks aimed at reducing regulatory risk while supporting efficient and reliable operational delivery. Kristel is recognized for her pragmatic, results-oriented leadership, aligning teams around measurable objectives, fostering accountability, and advancing organizational effectiveness.
Darcy Flanders
Darcy Ann Flanders is a seasoned professional in the creative services industry, renowned for her expertise in financial branding, design and communication. As an early entrepreneur her career spans over three decades, during which time she has played a pivotal role in enhancing the effectiveness of financial messaging for her clients.
Elizabeth Green
Elizabeth Green is the Director of Global Brand Value Chain for Clinique at The Estée Lauder Companies. With over 15 years of experience in the consumer goods and supply chain industries, she brings a strong passion for beauty and luxury goods to her role.
Jenn Feliberty
Jenn grew up in the family business. When most teens were invited to Quinceañera parties, she was the one organizing the contracts in Spanish & English. She realized that she could serve the business more as a financial specialist than going anywhere near the glue gun. She graduated with a BA in Psychology from Buffalo and a Masters in Finance from University of Rochester Simon Business School.
Marie-Helene Kennedy-Payen
"Serving is an honor and a vote of confidence. When we're given the opportunity to volunteer, it means others trust us to carry forward a mission that matters. We're not just filling a role, we're being entrusted with meaningful work, a privilege that reflects belief in our dedication and our ability to advance a purpose larger than ourselves."
Richard Hartman
I am Richard Hartman, a Business Consultant forged in the crucible of the Employee Benefits and Risk Management sectors, an industry leader in the vibrant realms of Food & Beverage and Hospitality. My story began in 1979, stepping into the insurance arena fresh out of college, eager to make my mark.
Hermina 'Nina' Batson
Resilience and perseverance are the two traits that have come to epitomize Hermina 'Nina' Batson, a strategic, mission-driven global executive recognized for her impressive track record in financial services and regulatory engagement. As a senior business leader, Nina possesses invaluable expertise and a distinguished background in regulatory relations, risk management, corporate finance, and successful securitization deals.
Leya Yusupov
Hi, my name is Leya Yusupov, and I am truly honored to be one of the voices of the Financial Women’s Association (FWA)! I was born in the former Soviet Union. When the Soviet Union collapsed my family immigrated to the United States as religious refugees. We left everything behind in search of freedom, opportunity, and a place where we could practice our faith openly. Our journey was not easy—we spent seven months in Austria and Italy before finally arriving in the U.S.—but we never lost hope in the American dream.
Tara Smith
Tara’s journey has been shaped by a genuine passion for people and possibility. From the earliest days of her career, she discovered that she loved helping others grow - whether that meant guiding colleagues through challenges, finding a new role, or designing programs that unlocked potential. Over the years, she has built a reputation as a trusted advisor who combines business acumen with empathy, always keeping both organizational goals and individual needs in focus.
Maria Maris
From a young woman stepping off a plane into a country she had never seen, armed only with determination and an unshakable belief in possibility, Maria C. Maris has built a career that spans continents, industries, and transformations. Today, she is a global human resources executive and transformation leader with over twenty years of experience guiding multinational organizations through change — from pre-IPO readiness to large-scale global integrations.
Albana Theka
Albana Theka is a visionary leader in data, analytics, and finance who blends her passion for technology with a proven record in healthcare finance. Raised in a small city in southern Albania, Albana arrived in the United States at the age of 17—alone, hopeful, and determined to build a brighter future. Her parents, drawing strength from a tumultuous era in Albanian history, sent her across the world on a $6,000 loan—a life-altering leap of faith.














