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Joe Spada has extensive experience in compliance within the insurance industry, currently serving as Vice President & Chief Compliance Officer for Life and Annuity at Lincoln Financial Group since May 2004. In this role, Joe is responsible for the compliance oversight of the insurance companies and the Separate Accounts 38a-1 compliance program. Prior to Lincoln Financial Group, Joe held positions at CIGNA as Assistant Vice President and Compliance Officer, overseeing compliance activities and managing filing and licensing teams. Joe's earlier experience includes roles at American Skandia as a Compliance Analyst and at Trans-General Life Insurance Company and GroupAmerica as a Contract Analyst. Joe earned a Bachelor of Arts in Sociology from the University of Connecticut from 1990 to 1994.