Tracy received her BS in Business and Economics from South Dakota State University in 1991 and holds the Senior Professional in Human Resources (SPHR) designation. She served on the national board of directors of the Public Risk Management Association (PRIMA) for 5 years, serving as President in 2002-2003. Prior to joining Howalt-McDowell in 2004, she served as a Risk Manager and Human Resources Director for over 11 years. Her extensive risk management and human resource background allows her to tailor quality insurance programs for many industries including Governmental Agencies, Medical Malpractice, Professional Liability, and Financial Institutions.
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