Bill Sebring graduated from Penn State University in 2003 with a B.S. degree in Finance, and a minor in Economics. He graduated from Fordham University in 2010 with a MBA in Finance. Bill started his career at HSBC in New York, working in various roles from 2003-2013 including in the Currency and Commodity Operations Group and as a Funds Credit Analyst. From 2013-2016, Bill worked as a Senior Underwriter on the Financial Institutions team at Zurich North America, primarily focusing on community banks. From 2016 through 2022, Bill worked as a Director on the Financial Institutions team at Everest Insurance, primarily focusing on financial lines for large insurance companies and regional banks. Bill joined ARC in July of 2022.