John Balaban is Senior Vice President, Client Relations at HMH Consulting. He specializes in the administration of business owned life insurance programs with particulare emphasis on corporate and trust owned life insurance (COLI and TOLI) programs held by Fortune 100, 500, and 1000 companies. He has responsibility for the delivery of those services to all HMH clients.

Previously, John led the COLI Administration practice of Aon Consulting for six years. Prior to 2000, John administered the COLI programs for clients of Actuarial Sciences Associates (ASA). John's consulting experience includes pension and health funding valuations, FAS 106 disclosures, and benefit modeling. During his tenure at ASA, he also held the position of Director of Finance.

John began his career at AT&T where he provided support to the actuaries overseeing the company's benefit plans. He was also intimately involved in the determination of the allocation of the assets held in the pension trust as it related to the 1984 divestiture of the Bell System.

John holds a CEBS designation and a BA in mathematics and economics, cum laude, from Syracuse University.