Terry Harmer
Transformation · Operating Models · Enterprise AI

Terry Harmer

Enterprise transformation & AI leader

Outcomes are won
between the deck and the delivery.

I've spent twenty years in enterprise technology, the last thirteen in insurance and financial services, growing from hands-on delivery into officer-tier leadership. What I love is the messy middle: turning a strategy everyone nodded at into something that actually ships, and lately, helping cautious organizations adopt AI without losing their guardrails.

See what I've built LinkedIn

Worked alongside McKinsey, EY, and Pivotal across a Fortune 250 insurer, a $10T global asset manager, and a Fortune 100 insurer — trusted by the firms to partner on design, and by the organization to deliver what we built.

8-figure
operational savings delivered
3,000+
people transformed
5
financial institutions
50
protocols authored & shipped
A bit about me

I'm at my best where the big plan meets daily reality. I've designed and run operating models at Fortune 250 scale, led transformations across thousands of people, and spent the last two years building the enablement and governance that lets a large organization actually use AI, not just talk about it.

What I'm proud of is the range. I can sit in the steering committee and shape the operating model, and I can go home and build the thing myself when that's the fastest way to prove it works. PolicyProof began exactly that way: a proof of concept, when a relative in the insurance industry asked how AI might be applied to a specific use case.

Selected experience
2022 — 2026

Assistant Vice President, Continuous Improvement

Lincoln Financial · Fortune 250 insurer

Designed and ran the enterprise operating model, delivering eight-figure operational savings across 45 value streams, 130 teams, and 1,500 practitioners. Owned the AI enablement function: an enterprise Claude pilot, an SDLC redefinition for safe AI-augmented delivery, and the governance to scale it.

2018 — 2022

Senior Manager / Chapter Lead

Vanguard · $10T global asset manager

Part of the leadership team that scaled a customer-experience-led operating model from a 100-person pilot to a 3,000-person transformation. Built and led an organization of 30 program managers and founded an internal capability academy.

2016 — 2018

Senior Delivery Lead

Liberty Mutual · Fortune 100 insurer

Delivered a core component of the Surety Workbench platform, a multiyear, eight-figure program coordinating hundreds of developers across US and EMEA teams to a synchronized go-live.

Earlier

Goodville Mutual · Sun Life Financial · BBDO Dublin · Apple EMEA

Delivery, development, and technology leadership

A through-line of operating-model design and transformation in regulated, audit-driven, and global environments.

Built

Things I've made

Things I've actually built, not just advised on. Governed AI, and the thinking underneath it.

Live · Enterprise AI suite

An oversight layer that designs your AI operating model, plus three execution tools — Prioritize, Assess, and Monitor — that run the work inside it. One coherent path from boardroom idea to measured enterprise AI transformation.

concepttovalue.com →
Live · AI product

A second-opinion check on insurance claim denials. It reads the full policy, tests the carrier's denial against the coverage and the state's unfair-claims statutes, and drafts a pushback letter when it doesn't hold up. Every quoted line is verified in code; nothing is ever stored.

policyproof.app →
Live · Platform

Evidence-based engineering-practice scoring from real toolchain data, mapped to SOC 2, ISO 27001, NIS2, and the EU Cyber Resilience Act, with an AI Sentinel lens for AI-accelerated teams.

getconcordance.com →
Open framework

The open thesis underneath Concordance: how to keep engineering practice quality intact as AI accelerates delivery. 50 protocols across 6 SDLC stages and 5 maturity levels.

velocitygovernance.com →
Credentials

Education & AI

MSc, Management & Information Systems, Trinity College Dublin
BSc, Computer Science, Waterford Institute of Technology
MIT Sloan, Implementing Agentic AI (currently enrolled, 2026)
Prosci Change Management, AI Adoption focus (in progress)

Certifications

SAFe Program Consultant (SPC)
Scrum Alliance Certified ScrumMaster (CSM) & CSP
Professional Scrum Master (PSM) · Professional Agile Leadership (PAL)
ICAgile Agile Coach (ICP-ACC) · BVSSH Fundamentals

Say hello

I'm in the Greater Philadelphia area, and I always enjoy a good conversation about transformation, operating models, or where AI is actually heading. Drop me a line.

Or find me on LinkedIn.