Aaron Ciullo, CPA, ARM, is the Senior Manager Captive Insurance Operations for JM Family Enterprises, Inc., where he leads the governance, operational management, regulatory compliance, and strategic development of the organization's captive insurance programs. In this role, he works closely with internal leadership and external service providers across actuarial, legal, audit, tax, and captive management disciplines to support risk financing initiatives and long-term captive strategy.

Aaron's responsibilities include captive governance, financial oversight, regulatory filings, board coordination, business expansion initiatives, and the evaluation of alternative captive structures designed to support evolving business objectives. He has been actively involved in initiatives related to captive growth, alternative structure consideration, premium allocation methodologies, and the integration of emerging risks into captive programs.

Prior to joining JM Family, Aaron held leadership roles within the captive insurance industry supporting captive operations, risk financing programs, regulatory compliance, and stakeholder engagement across diverse insurance and risk management environments. He is an active participant in the captive insurance community and serves in leadership and volunteer capacities supporting industry education and advancement. Recent activities include service as a Board Member and as Treasurer of the Vermont Captive Insurance Association (VCIA) and participation in various industry committees and educational initiatives.

Aaron earned the Associate in Risk Management (ARM) designation and is passionate about helping leverage captive insurance structures to enhance risk management, improve financial efficiency, and support strategic business objectives.