“Think Like an Owner" Is the Best Career Advice I Ever Got

Frank Melaccio, Vice President, Finance & Treasurer at Horizon Blue Cross Blue Shield of New Jersey, reveals how this mindset propelled his career from banking to executive leadership - and why it could do the same for you.

Frank Melaccio is Vice President of Finance and Treasurer at Horizon Blue Cross Blue Shield of New Jersey, one of the United States’ largest and oldest health insurers. With a career spanning banking, Big Four consulting, and health insurance, Frank brings a wealth of insight into strategic treasury, risk management, and the future of finance.

He’s also an adjunct professor at Hofstra University’s Frank G. Zarb School of Business and a passionate advocate for continual learning and professional development.

Frank holds an MBA in finance from Hofstra University and a BS in both finance and economics from Fordham University. He’s also a Chartered Financial Analyst (CFA), Certified Public Accountant (CPA), and a Certified Financial Risk Manager (FRM).

Main topics discussed:

• Franks career journey: from commuting into Manhattan and dreaming of Wall Street to rising through regional banks and transitioning to health insurance.
• Frank's move from consulting at PwC during the financial crisis to leading treasury at a health insurer.
• Building ORSA models and becoming Chief Risk Officer in response to regulatory changes.
• Franks thoughts on CTP, CFA, CPA, and FRM - how to choose the right one for your path.
• The importance of team building and how leadership evolves with responsibility.
• Leveraging AI, coding, RPA, and treasury management systems to modernize and streamline processes.
• How teaching derivatives and healthcare finance keeps Frank sharp and benefits his corporate leadership.
• The power of adaptability, planning your path, and the dangers of chasing money over opportunity.

You can connect with Frank Melaccio on LinkedIn.

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