Editor’s note: Charlie Mihaliak is an executive director in Ernst & Young’s Financial Services Office and is located in Hartford, Conn. Raj Sharma is a principal in EY’s Financial Services Office and is located in Redwood Shores, Calif. Bill Smith is a principal in EY’s Financial Services Office and is located in Los Angeles, Calif.

As insurers invest considerable resources in large-scale, technology-enabled transformation programs, organizational change management (OCM) helps them avoid common risks and pitfalls such as sub-par adoption of new technologies and lack of organizational alignment around new processes.

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