Steve Cyboran, ASA, MAAA, FCA, CEBS
CEO, Consulting Actuary, Chief Behavioral Officer

Steve Cyboran is an actuary and innovator around people, rewards and benefits. With over three decades of consulting experience, he has been actively involved in a variety of strategy projects focusing on creating a healthy culture, refining the employee value proposition, performance, organization effectiveness, health care, financial well-being, disability, and time-off. These projects include a collaborative approach to drive behavior through the design, administration, and implementation to achieve client objectives.
Steve was featured in the International Business Times among 10 thought leaders driving change.
Steve brings:
- A unique perspective on a healthy culture and its maturity
- Over 30 years of rewards, actuarial and facilitation expertise at Mercer, Segal/Sibson and Willis Towers Watson with proven results
- A reputation for integrity, creativity, innovation and sound analysis
- Methodology to build consensus around a vision and plan with metrics tied to business strategy
- Personal service as a business partner working directly with you
- Independent and unbiased advice
Education & Credentials
Steve served as the national practice leader for healthy culture, paid time off, absence and disability initiatives at a top 10 international HR and benefits consulting firm. He graduated with distinction from the University of Illinois, Urbana-Champaign with a BS in Mathematics. He is an Associate of the Society of Actuaries, a Member of the American Academy of Actuaries and a Fellow of the Conference of Consulting Actuaries. Mr. Cyboran earned his CEBS designation from the International Society of Certified Employee Benefits Specialists and is a licensed accident and health producer. He earned Strategy Culture Alignment Certification by Work-Effects and Outmatch Certified Reseller Certification (Including Pomello Culture tools). He is a member of the Society for Human Resource Management and Chicago Chapter former President of the Disability Management Employers Coalition.
Published Research
- “Actuarial Model for Wellness.” Society of Actuaries
- “Reducing Suboptimal Employee Decisions Can Build the Business Case for Employee Benefits.” Benefits Quarterly
- “Making the Case: New Study Shows It Does Indeed, Pay to Become a Healthy Enterprise.” Benefits Quarterly
Publications/Presentations
Steve has published and presented across the country over 150 times. Some articles include:
- Cultivating Operational Excellence: Applying the Topological Model in High-Impact Facility Launches on Humaculture.com
- 250 Years of the Constitutional Republic: Why Clear Boundaries Around Citizenship Matter on Humaculture.com
- Humaculture®: From Short-Term Extraction to a THRIVE Mindset on Humaculture.com
- Spirit Airlines’ Collapse: Why One-Dimensional Thinking Fails Leaders on Humaculture.com
- Worst to First: How Three NFL Teams Instinctively Strengthened Structures by Applying Humaculture® Topological Model Principles Humaculture® Team Sports Series on Humaculture.com
- Are You Next in Line for a Fiduciary Lawsuit Over Your Supplemental Health Plans? on Humaculture.com
- USA Hockey’s Golden Sweep: Lessons in “Feeding the Soil” for Instant Team Cohesion Humaculture® Team Sports Series on Humaculture.com
- From Underdog to Unbeaten Champions: Indiana Football’s Historic Run through the Humaculture® Topological Model Humaculture® Team Sports Series on Humaculture.com
- Cultivating Resilience Amid Rising Chronic Health Conditions Humaculture® Cultivating Resilience and ICSL Insurance Crisis Series on Humaculture.com
- Optimal Behavior: Making Optimal Behavior the Natural Choice Humaculture® Perspective Series on Humaculture.com
- People Development: A Humaculture® Perspective Series Humaculture® Perspective Series on Humaculture.com
- Hidden Opportunities, A Strategic Compliance Series Humaculture® Perspective Series on Humaculture.com
- “Transparency Webinar Replay: Big Changes Coming! How to Comply with the Consolidated Appropriations Act (CAA) and Transparency in Coverage Rules!” Humaculture.com
- “Data Driven Results for HR Professionals” Houston Compensation and Benefits Luncheon
- “Employee Benefits – The Humaculture® Perspective” Humaculture.com
- “Leadership & Tomatoes: 3 Business Principles from My Garden” Humaculture.com
- “Weathering the Storm: Is Your Organizational “Soil” Healthy Enough to Weather Both Floods and Droughts?” Humaculture.com
- “Compliance Brief 2016-1001: Recent FAQ Guidance on Student Health Coverage” Cyboran.com
- “What’s High Performance? Lessons from My Children” Cyboran.com
- “Why Should Physicians Work for Your Organization? Physician Alignment through a Magnetic Employee Value Proposition” Cyboran.com
- “Is Wellness a Business Strategy?” Cyboran.com
- “Obesity Swelling (And May be Worse), Solutions That Shrink the Problem” LinkedIn Post
- “HBR: No One is Too Busy to Be Creative” LinkedIn Post
- “Wellness Program ROI Depends on Design and Implementation” SHRM Online
- “Employee Vacations Are Good for Business” SHRM
