Meet the Team

Meet Our Innovators: Driving the Future of Insurtech at Concordia Exchange

Welcome to Concordia Exchange, where innovation meets group insurance. As you venture into our Meet the Team page, you're about to uncover the dynamic individuals behind our cutting-edge solutions. We're an insurtech pioneer, leveraging technology, data analytics, and artificial intelligence to redefine what insurance can do for you.

Our team is a unique blend of experts in technology, data science, artificial intelligence, and, of course, insurance. This diversity is our secret sauce, enabling us to think differently, act swiftly, and deliver tailor-made solutions that go beyond traditional insurance offerings. Each member of our team brings a rich tapestry of experiences and insights, ensuring that we stay at the forefront of innovation while keeping your needs and aspirations at the heart of everything we do.

At our firm, we have the client—and only the client—in mind.

Dive into the profiles of our team and advisors to discover the minds shaping the future of group insurance. You'll find stories of passion, expertise, and a shared commitment to transforming the insurance landscape through technology and innovation.

Join us on a journey of discovery. Learn how our fusion of tech and insurance expertise is crafting an efficient, more connected future for our clients. Welcome to Concordia Exchange—your partner in navigating the insurtech revolution.

We invite you to check out all the material on our website. If something prompts a question, please send us a quick email or call our office. We look forward to speaking with you.

Joffrey Smith, MBA, CFP®, CLU®, ChFC®

Founder & Chief Executive Officer


Joffrey is the Founder & Chief Executive Officer for Concordia Exchange. He has worked in the financial services industry since 2002 with a focus on investments, retirement planning, insurance planning, and employee benefits.

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Johnny Sullivan III, MBA

Chief Technology Officer


Johnny is the Chief Technology Officer for Concordia Exchange.  He has been in professional software development for 15 years, with experiences in Fortune 500, startup, and midsize companies. He has had a successful career building...

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Silvia Cerqueira

Chief Operating & Product Officer

Silvia Cerqueira is the Chief Product & Data Officer for Concordia Exchange.  Silvia earned her Bachelor of Science degree in Management Science with a minor in Biology from Massachusetts Institute of Technology (MIT).  She has...

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Advisory Board

James Roosevelt, Jr.

James Roosevelt, Jr.

Former CEO, Tufts Health Plan & Counsel, Verrill

Jennifer Borislow

Jennifer Borislow, CLU

Founding Principal & CEO, Borislow Insurance

Dr. Anil Kaul

Dr. Anil Kaul

Chief AI Officer, Infogain Former Founder & CEO, Absolutdata

Gregory Ray

Dr. Gregory Ray

Entrepreneur in Residence & Faculty, Cornell University

Richard Domaleski

Richard Domaleski

Former Founder & CEO, World Energy Solutions

 Louis  Gialloreto

Louis Gialloreto

Professor of Marketing, Cornell, McGill, and Queen's University

Elspeth Murray

Dr. Elspeth Murray

Associate Dean, MBA & Masters Programs Smith School of Business, Queen's University

Bharathi Balasubramanyam

Bharathi Balasubramanyam

VP Software Engineering, Fidelity

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