Planned and executed organizational transformation of all critical business functions; moved from functional to profit-center orientation; redesigned core business processes, organization structure, incentive systems, and management reporting.     Designed and implemented program to reorganize call center operations; developed cost and behavioral models as foundation for new business architecture; consolidated diverse operations, created new business processes and IT requirements.     Designed and executed comprehensive medical cost reduction program which reduced unnecessary medical cost expenditure by roughly $50MM per annum; created management reporting and dashboard to measure savings and to serve as ongoing monitoring capability.