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Our Leadership

Meet our Enterprise Leadership Team.

Thomas M. Troy

President and Chief Executive Officer

Thomas M. Troy is president and chief executive officer of CSAA Insurance Group, a AAA insurer. With more than 100 years of experience serving AAA members, CSAA Insurance Group offers automobile, homeowners and other personal lines of insurance to AAA members through AAA clubs. CSAA Insurance Group has been rated A or better by A.M. Best for more than 90 years, and is one of the top property and casualty personal lines insurers in the United States.

Mr. Troy is part of a leadership team that cultivates innovation in a customer-driven organization focused on serving AAA members during life’s uncertainties.

He joined CSAA Insurance Group in 2019, and brings 30+ years of insurance experience to his role as president and CEO.

He was previously an executive vice president at Allstate, where he led a $5 billion portfolio of Allstate Business Insurance, Encompass Insurance, Esurance and Ivantage. He was promoted to that role from executive vice president of Allstate Brand Operations, where his broad areas of responsibility included agency and customer service, operations support, strategic portfolio management, operations finance and customer experience. With a proven track record for working successfully with agents and brokers in a variety of distribution models, Mr. Troy understands deeply the changing needs and preferences of insurance consumers. Prior to Allstate, he was EVP and COO with Liberty Mutual and, before that, held senior leadership positions with Safeco Corporation.

Mr. Troy is a board member of the American Property Casualty Insurance Association and the Bay Area Council. He earned his bachelor’s degree from the University of Washington and his MBA from Seattle University.

Paul Acevedo

Executive Vice President, Chief Information Officer

Mr. Acevedo leads the company’s technology organization, including teams responsible for consumer-and agent-facing digital experiences, data and analytics platforms, core application systems (policy, claims, financial and HR), information security and foundational infrastructure. He joined CSAA Insurance Group in 2011 and has served in executive leadership roles for digital, data, telematics, and business architecture. Prior to that, Mr. Acevedo held product and marketing leadership positions at startup and established technology companies – including BMC Software, ITM Software, Sun Microsystems and Terraspring – developing a range of enterprise software and cloud infrastructure solutions. Mr. Acevedo started his career as a systems engineer in the aerospace industry at GE, where he also completed the Edison Engineering Development Program and earned his master’s in electrical engineering at Syracuse University. He also has a bachelor’s degree in electrical engineering from Rose-Hulman Institute of Technology and an MBA from Stanford University.

Debbie Brackeen

Executive Vice President, Chief Strategy & Innovation Officer

Ms. Brackeen leads the company's organization in strategy, partnerships, innovation and venture investing. She has more than 25 years of experience and leadership at innovative high-tech companies, including Apple, Sun, HP, and eBay, and, most recently, served as the global head of innovation at Citigroup.She serves as director and past chair of the Silicon Valley Forum Board of Directors, has served as an adviser to the Astia Technology Committee since 2008, and was an adviser on the corporate board of the National Venture Capital Association. Ms. Brackeen earned a degree in American Studies from Stanford University and has completed executive programs at the Northwestern Kellogg School of Management, INSEAD and the Stanford Graduate School of Business.

Linda Goldstein

Executive Vice President, Customer Experience & Marketing

Ms. Goldstein leads all aspects of marketing, including digital marketing, brand management, marketing analytics, market research, customer-experience management, data strategy, and direct marketing. She was previously vice president of marketing channels and partners for CSAA Insurance Group, where she developed new marketing and analytics capabilities and led integrated marketing plans to support insurance growth for AAA club partners. Prior to joining CSAA Insurance Group, Ms. Goldstein had a 17-year career with Citigroup, where she held various senior executive marketing positions. She has a bachelor’s degree from Boston University and an MBA from Fordham University. She serves as president of the board of directors for Berkeley Humane.

Andrea Hecht

Executive Vice President, Chief Financial Officer

Ms. Hecht leads the Finance division and is responsible for accounting, financial planning and analysis, audit, investments and tax functions. In her previous role as controller, she oversaw general ledger, financial reporting, tax and enterprise disbursements. Prior to joining the company in 2017, she was a managing director in the assurance practice of BKD, LLP focused solely on insurance companies in the property/casualty and life/health space, and spent 12 years at Ernst & Young providing accounting services to clients in the property/casualty insurance, financial services, retail and manufacturing industries. Ms. Hecht is a Certified Public Accountant with experience in US GAAP and statutory accounting, SEC filings and SOX 404. She is a member of the American Institute of CPAs and has an accounting degree from Ohio State University.

Jeffrey W. Huebner

Executive Vice President, Chief Risk Officer

Mr. Huebner leads enterprise risk management, capital strategy, reinsurance programs, corporate insurance, business resilience, sourcing, security and real estate. He was previously the vice president of treasury at CSAA Insurance Group, overseeing risk, investments and banking, and also served as director of Risk Management and manager of Risk Finance & Captive Operations. His prior experience includes commercial casualty insurance brokerage, real estate trust risk management, personal lines insurance sales and accident and health insurance claims. He serves on the Board of Governors of the California Insurance Guarantee Association, as well as the boards of AAA Life Insurance and Junior Achievement of Northern California. He has a bachelor’s degree from Dickinson College and an MBA from Notre Dame de Namur University.

Melissa Jones

Executive Vice President, Chief Human Resources Officer

Ms. Jones leads the company’s efforts in corporate culture; employee and CEO communications; enterprise program management; charitable programs; talent management and leadership development; employee benefits, such as wellness, recognition and pension programs; and diversity and inclusion. Under her leadership, the company has achieved a perfect score in the Human Rights Campaign’s corporate equality index for LGBTQ workplace equality, and she co-founded the company’s Women’s Professional Network, which was created to empower women to take risks, use their voice and make an impact in the workplace and in the community. She is also the executive sponsor of the Black Employees Association. Ms. Jones has been recognized with the Industry Leader Award from the Professional Business Women of California, and also sits on the board of the Food Bank of Contra Costa and Solano County. She received a bachelor’s degree in social sciences from California Polytechnic State University and her MBA from Brandman University.

Eric Ummel

Executive Vice President, Commercial Lines Product

Mr. Ummel leads the company’s development of commercial insurance products and solutions. In this role, he focuses on the diversification of CSAA Insurance Group and building new insurance products for the mobility sector. He has more than 25 years of experience in commercial insurance working in a wide variety of roles including claims, underwriting, operations, product management and distribution, and was previously a General Manager with Safeco Insurance and the Liberty Mutual Group. He has served on boards of non-profit organizations in the Seattle area that focus on providing education and services for children of families struggling with homelessness, and has a BA from Western Washington University.

Bob Valliere

Executive Vice President, Insurance Operations

Mr. Valliere leads the company’s claims, service and agency support teams. He has spent the last 14 years with AAA and CSAA Insurance Group developing a broad background of executive level experience in claims, policyholder service, underwriting, training, technology transformations and merger/acquisitions. Prior to joining the company in 2004, he was senior assistant vice president with Amica Mutual Insurance Company within their claims executive department. He currently serves on the J.D. Power Insurance Advisory Board. Mr. Valliere has a BS degree with a major in Accounting from the University of Connecticut.

Ryan Vigus

Executive Vice President, Personal Lines Product

Mr.Vigus leads CSAA Insurance Group’s auto and home personal lines, and his team develops and manages insurance products that serve the needs of AAA Members. He began his career in actuarial and led the auto pricing team before transitioning to state product management. He is a Fellow of the Casualty Actuarial Society and has a master’s degree in applied mathematics from Bowling Green State University (Ohio) and a bachelor’s degree from Azusa Pacific University (Southern California).

Michael Zukerman

Executive Vice President, General Counsel

Mr. Zukerman provides legal, regulatory and compliance oversight and guidance for the company and serves as legal advisor to the board of directors, the CEO and other senior executives. Prior to joining CSAA Insurance Group, he was a senior executive with GeoVera Holdings, Critical Path, Sega and Netopia. Mr. Zukerman was named 2017 Corporate Counsel of the Year by the San Francisco Business Times, and has been a frequent speaker at various technology, intellectual property and software law seminars. For several years he was a guest lecturer on law and entrepreneurship at UC Berkeley’s Haas School of Business. Mr. Zukerman also serves on the board of Keep Tahoe Blue, The League to Save Lake Tahoe. He earned his law degree at the Washington College of Law at American University and his BA at the University of California at Berkeley.

Board of Directors