Lincoln Financial CIO Jennifer Charters on AI Strategy and Human-Centered Tech

1011: Build with AI. Lead with people. In this episode of Technovation, host Peter High speaks with Jennifer Charters, Executive Vice President and Chief Information Officer of Lincoln Financial. Jennifer shares how she’s shaping the future of IT and innovation at the $18.5B insurer by investing in AI while doubling down on what makes transformation succeed: people. She discusses Lincoln’s evolving enterprise AI strategy, why a model-agnostic approach matters, and how her team is redesigning workflows and talent models in parallel. From regulatory complexity to the rise of AI agents, Jennifer emphasizes the need to prepare rather than predict the future, and to keep human connection at the center of it. Key topics include: A 401(k)-style framework for IT budgeting and innovation How Lincoln’s model-agnostic AI architecture supports agility AI use cases in development, cybersecurity, and customer experience Partnering with HR to future-proof skills and change readiness