Title: Maria Fraga, Account Executive
Source: https://ethosbenefits.com/about/team/maria-fraga
Publisher: Ethos Benefits
Summary: Maria Fraga is an Account Executive at Ethos Benefits. She advises multinational employers on global benefits strategy, M&A and new markets.

1.  [Home](https://ethosbenefits.com/)
2.  [About](https://ethosbenefits.com/about)
3.  [Team](https://ethosbenefits.com/about/team)
4.  Maria Fraga

# Maria Fraga Account Executive

A global benefits executive with more than 25 years advising multinational employers on benefits strategy, mergers and acquisitions, and international workforce expansion. Before joining Ethos Benefits, she led global benefits consulting at Lockton and global benefits for Manulife and John Hancock.

-   **25+** years in employee benefits
-   **40+** countries served by her Lockton clients
-   **25** person global consulting team she built and led

-   Global benefits strategy
-   M&A due diligence and integration
-   International workforce expansion
-   Employer of Record
-   Fiduciary governance

![Maria Fraga, Account Executive at Ethos Benefits](https://ethosbenefits.com/assets/team/maria-fraga.jpg)

## Experience

1.  Account Executive

    Ethos Benefits

    Advises employers on global benefits strategy, M&A and international expansion.

2.  Senior Vice President and Global Benefits Market Leader

    Lockton Companies

    Built and led a 25-person consulting team. Launched an Employer of Record consulting practice and an international M&A benefits advisory service.

3.  Vice President of Global Benefits and Wellness

    Manulife and John Hancock

    More than two decades in leadership roles. Ran benefits strategy for tens of thousands of employees, M&A due diligence, vendor negotiations and international pooling.

## About Maria

Maria Fraga is an Account Executive at Ethos Benefits. She advises employers on benefits programs built to hold up fiduciarily, financially and across borders: global benefits strategy and plan design for multinational employers, benefits due diligence and integration during mergers and acquisitions, and international workforce expansion. Her clients range from fast-growing startups to multinationals with employees in dozens of countries.

At Lockton, Maria's clients operated across North America, Europe, Latin America, the Middle East and Africa, and Asia Pacific. The Employer of Record practice she launched there helps organizations enter new markets without setting up a local legal entity, and her M&A advisory work focused on bringing cross-border workforces onto one benefits program after a deal. At Manulife and John Hancock she sat in the HR seat herself, running global benefits for a multinational workforce, so she knows how programs get designed under real business constraints.

Maria believes benefits consulting should be a fiduciary act, not a sales process. She joined Ethos Benefits to sit on the same side of the table as the leaders she serves. She puts client interests ahead of carrier relationships and builds strategies that hold up under real financial and regulatory pressure.

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