Emica Consulting provides strategic advisory, management consultancy services to clients and mentoring/coaching services to executives across the globe.

Prior to this Howard most recently drove the strategic development and expansion of Cigna’s (NYSE Listed – CI, Fortune 20) presence across a broad portfolio of countries and segments which include Europe, the Middle East and Africa, as well as joint venture partnerships in India and Turkey.

Based at Cigna’s EMEA regional headquarters in Dubai, Howard ensured that Cigna delivered on the organization’s mission of improving the health, well-being and sense of security of the people it serves through its broad range of solutions that include group and individual, domestic and global, and business-to-government and international organization’s health services.

Howard also had Global responsibility for all of Cigna’s Health Solutions for International Markets. These responsibilities included oversight of a network of more than 1 million provider relationships around the world that customers access; the clinical teams of doctors, nurses and health practitioners globally that ensure customers’ health is optimized and crucially ensure our health insurance products are affordable.

With more than 17 years of experience in the worldwide health services market, Howard has held several senior leadership roles at Cigna. His career with Cigna began following the acquisition of vielife, a leading health management company, where he led strategic market development.

Howard then spent five years in the U.S., first as Head of Distribution of Cigna Health Solutions (part of domestic U.S. Operations) before assuming the role of Chief Strategy and Market Development Officer for Cigna Global Health Benefits (CGHB), where he was responsible for global strategy, business development, including new geographies and segments, mergers and acquisitions, and product management to drive CGHB as a market leader. Howard then transitioned into expanding CEO roles, initially in Shanghai, China as CEO for Middle East & Asia Pacific, then as CEO for the Middle East & North Africa (MENA) Region and the Global Individual Private Medical Insurance solutions business. It was while in this role that Howard and his family relocated to Dubai, UAE.

Howard qualified as a Chartered Accountant with the Institute of Chartered Accountants in England and Wales, and has a First Class Honours BA degree from Nottingham Trent University in the U.K.