Kevin Kramer is a senior analytics and business transformation consultant.  He is an accomplished leader with a passion for achieving excellence in process and outcome through analytic driven innovation including Data Science and AI.  Kevin spent over a decade at MBNA/Bank of America as Senior Executive Vice President with responsibility for Marketing Strategy, Internet/Digital Marketing, and Data Science/Business Process Optimization.  He subsequently served as Head of Analytics and Optimization for Aetna, and SVP, Data Management and Analytics at Health Transformation Alliance, an alliance of 41 Fortune 1000 companies working together to provide better health care more cost effectively to the employees of its Member companies.  Kevin holds a BS from Cornell University, an MA from Johns Hopkins, and a PhD from the University of Michigan.