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Chief Legal Officer
Brightpeak Financial a Division of Thrivent Financial
Ro Adebiyi was born in Nigeria, but raised in Ann Arbor. He graduated in 2003 with a Bachelor's degree in Sociology from the University of Michigan, where he was involved in local mentorship initiatives and 3rd world development projects, and also served as a two-year captain on the University of Michigan men's basketball team. Ro returned to the University of Michigan in 2005 to attend Law School, after a stint as a paralegal in Washington, D.C. Following Law School, he has worked as an associate at a Houston law firm, started a web-based sponsorship/endorsement company with close friends back in Ann Arbor, served as Counsel for a small commodities trading firm just outside of New York City, and moved to Minnesota to oversee state-wide constituency-based voting initiatives as a Senior Staff Member of the 2012 Obama Reelection Campaign. Ro currently serves as the Chief Legal Officer for the brightpeak financial division of Thrivent Financial, and remains active in the twin-cities community, where his activities include volunteering as a summer AAU girls basketball coach, high school graduation coach, weekly volunteer at the Salvation Army's "Harbor Light House" kitchen, and a dedicated Junior Achievement Board Member and volunteer.
Health & Life Division
Utah Insurance Department (UID)
Nancy Askerlund accepted the position as the Director of the Utah Insurance Department (UID), Health & Life Division in October of 2011. Nancy has been with the department for 16 1/2 years. During her career with the UID, she has had the opportunity to work in many different areas of regulatory compliance. Position's she has held as a regulator include; Consumer Service Analyst, Market Conduct Examiner, Assistant Division Director and Division Director. Prior to joining the UID, Nancy worked in the insurance industry for 15+ years.
Associate Commissioner, Property & Casualty
Maryland Insurance Administration
Robert Baron began his property and casualty career in 1985 as a multi-lines claim adjuster with Amica Mutual. During his time with Amica, Mr. Baron worked in Providence, Rhode Island; Atlanta, Georgia; and, Baltimore, Maryland. Following this, Mr. Baron worked in claims, training and development and claims management with Crum and Forster, Integrity Insurance, Maryland Casualty and Erie. Mr. Baron started with as an Insurance Investigator with the Maryland Insurance Administration ("MIA") in February of 2000 and became the Director of Property & Casualty Complaints in March of 2012. Mr. Baron has been the Associate Commissioner for Property & Casualty at the MIA since December 1, 2016. A graduate of Towson University, Mr. Baron lives in Pikesville, Maryland with his wife, daughter and Bear (the wonder dog).
2nd Vice President
The Travelers Companies
Along with his colleagues in Business Insurance - Product and Platform, Eric supports the underwriting strategic and operations functions of the Workers Compensation line, including the overall profitability, growth and retention of the product line and consistency of all related underwriting initiatives. Eric has been with Travelers for over 15 years and in the insurance industry for 29 years, as a claims representative, insurance defense counsel, and in-house counsel. He has spoken at national conferences on insurance policy coverage, claim exposure management, foreign voluntary workers compensation, trial and appellate advocacy, and Medicare Secondary Payer issues.
Global Insurance Industry Executive
Craig Bedell is Global Insurance Industry Executive within IBM's Insurance Industry Executive Leadership Team where he is responsible for IBM's global strategy in Business Solutions with special focus on Customer, Product, Claims, Distribution and Financial Performance. He also focuses heavily on the application cognitive computing in transforming the insurance industry
He joined IBM in 2007 and brought with him over 30 years of experience in the insurance business. He moved to his current role in June 2015.
Craig's experience includes over 30 years as an underwriter, branch manager, broker and home office executive. He has an additional 14 years in the technology industry leading worldwide insurance solutions for business analytics, business redesign and innovation.
Craig is a published author, writer, public speaker and member of IBM's Industry Academy as Craig is recognized within IBM as one of a select group of IBMers from around the globe who have exceptional eminence in the industry they serve who work together to create innovative solutions for clients, develop industry talent, and inspire other IBMers to grow their industry eminence.
Kathleen A. Birrane is part of the Insurance and Reinsurance Sector and the Litigation Practice Group at DLA Piper. Her practice is focused on insurance and reinsurance transactional and regulatory matters and related litigation. She has a broad range of experience in product and program design and analysis, regulatory compliance, market conduct, criminal and regulatory investigations related to the conduct of the business of insurance, licensing, corporate reorganizations, and complex insurance transactions, including asset diligence. Kathleen also represents state regulators in connection with insurance company insolvencies and receiverships.
Ms. Birrane spent her first 15 years in private practice as a commercial litigator focusing primarily on large commercial disputes, including complex coverage cases.
From 2002- 2007, Ms. Birrane served as an Assistant Attorney General for the State of Maryland, assigned to the statutory position of Principal Counsel to the Maryland Insurance Commissioner. In that role, (i) she advised the Commissioner, the General Assembly and state agencies with respect to insurance products, regulatory issues, and legislation; (ii) acted as the Commissioner's designee on working groups and task forces established by the State of Maryland, the National Association of Insurance Commissioners and other bodies concerned with insurance regulatory policy; (iii) counselled and represented the Commissioner and Special Appointed receivers or supervisory agents in connection with insurance carrier supervisions or delinquency proceedings; and (iv) represented the Commissioner and the State of Maryland in federal and state courts actions.
Immediately prior to joining DLA Piper, Kathleen served as SVP and General Counsel of a set of portfolio companies owned by major hedge funds specializing in asset consulting, acquisition, diligence, and servicing of life insurance linked investments. In that position, Kathleen rebuilt the corporate and regulatory compliance functions and lead the legal and regulatory aspects of a corporate reorganization.
Ryan C. Blakeney
Deputy Director, Consumer Services Division
Mississippi Insurance Department
Ryan is the current Deputy Director of Consumer Services for the Mississippi Insurance Department. He served previously as the Life and Health Specialist for the Consumer Services Division. In addition, he served in MID's Life and Health Actuarial Division and has developed an extensive working knowledge of laws, regulations, and department policies related to life, health, annuities, and rate filings. As our nation's health care system experiences the most significant changes in decades, Ryan plays a key role in interpreting and implementing all market reforms associated with the Patient Protection and Affordable Care Act. He serves MID directors, private industry professionals, and public consumers in understanding complex insurance issues and resolving conflicts regarding life and health topics.
Ryan's experience in state government began as a Benefit Analyst for PERS, the Public Employees' Retirement System of Mississippi, where he advised members on disability benefits, survivor payments, and retirement finances. His attention to numerical details combined with daily personal counseling provides an ideal foundation as he now liaisons among agency divisions to serve the citizens of Mississippi. Appointed by Commissioner Mike Chaney, Ryan also represented MID on the Mississippi Autism Advisory Committee.
A devoted Rebel fan, Ryan earned a Bachelor of Business Administration from the University of Mississippi followed by a Master of Health Sciences from the University of Mississippi Medical Center. His wife, Amy, also serves our state as a public educator in Brandon, and they are the parents of one daughter, Avery.
Julie S. Blauvelt
Deputy Commissioner of the Life & Health Division at the Virginia State Corporation Commission's Bureau of Insurance (Bureau)
Julie S. Blauvelt was recently promoted to Deputy Commissioner of the Life & Health Division at the Virginia State Corporation Commission's Bureau of Insurance (Bureau), overseeing the market regulation and consumer assistance sections related to Life and Health insurance. Julie moved into this role following her work as an Insurance Policy Advisor at the Bureau where she oversaw the Bureau's Plan Management functions related to the Virginia operation of the federal health insurance exchange. Julie also held other positions at the Bureau including assisting persons in the internal appeals process through the Office of the Managed Care Ombudsman, and reviewing HMO applications for licensure in Virginia and analyzing the licensed HMOs' financial reports in the Bureau's Company Licensing and Regulatory Compliance Section. Julie worked in the private sector for 8 years as the Regulatory Analyst for Southern Health Services, Inc. and Coventry Health and Life Insurance Company, overseeing activities concerning required filings with the Bureau and overall company compliance with Virginia health insurance laws. Julie received a Bachelor's degree in Economics with an emphasis on accounting from Mary Baldwin College in Staunton, Virginia.
Oregon Department of Insurance
Dave was recruited to the insurance industry by two regular customers at the nightclub his band was playing, to join one of the largest life and health brokerage houses. Promoted to Brokerage Manager and helped to set-up the first national brokerage program for New York Life. Worked at the senior level at Standard Insurance and joined the Oregon Insurance Division as a life and health rates and form reviewer for the last twenty three years. Dave was selected as a national CARFRA reviewer and has been working on national product standards ever since. A chosen speaker at Life and Health Conventions, CLU and several times at AICP, including the main stage in beautiful Portland, Oregon.
Mindy Bradford is a Product Reviewer with the Insurance Compact, responsible for the review of products filed with the Commission. Prior to joining the Insurance Compact, Mindy was employed with Auto-Owners Insurance Company for eleven years. As an Associate Actuarial Technician she reviewed and implemented rates for property and casual lines and was involved in reserving for life products. In her role as Compliance Specialist she was responsible for new product development, current product revisions, drafting policy language, filing completed products and compliance of forms and processes for life, annuities, disability income and long term care. Mindy received her Bachelor of Science Degree in Mathematics as well as a Master of Business Administration from Central Michigan University. She also earned the Fellow, Life Management Institute (FLMI) designation.
Assistant General Counsel and Director
American Insurance Association
Lisa Brown is Assistant General Counsel and Director, Compliance Resources with the Law Department of the American Insurance Association (AIA). Lisa joined AIA in 1994 and directs the Law Department's program on compliance and regulatory reform issues. She also manages AIA's legal research and surveys, and oversees AIA's Legislative Reporting Service. Lisa has participated on numerous panels at the Association of Insurance Compliance Professionals (AICP), the annual NAIC E-Reg Conference, the Annual IRES Foundation National School on Market Regulation, the IRES Career Development Seminar, the American Conference Institute's National Forum on Insurance Regulation, and the Insurance Consumer Affairs Exchange (ICAE).
Lisa earned her J.D. from the George Mason University School of Law, with a concentration in Regulatory Law, and her B.S.B.A. from the University of Richmond, E. Claiborne Robins School of Business. She is a member of the District of Columbia bar. Lisa is a member of the Board of Directors of the IRES Foundation and is also a member of the Association of Insurance Compliance Professionals and the Insurance Consumer Affairs Exchange.
Dean L. Cameron
Idaho Department of Insurance
Dean Cameron was appointed by Governor C.L. "Butch" Otter to serve as Director of the Idaho Department of Insurance effective June 15, 2015. Director Cameron is a third generation insurance agent and has 27 years of experience in state government.
Director Cameron was a partner in Cameron and Seamons Insurance and Investments since 2004 and a partner in Cameron and Cameron Insurance Benefit Designers from 1989 to 2004. He is a former president of the Southern Idaho Life Underwriters Association and received the Life Underwriter of the Year award for 1994-1995.
Director Cameron served 13 terms in the state senate, including eight terms as Chair of the Senate Finance Committee and Co-chair of JFAC, the state's budget committee. At the time of his appointment, he was the most senior member of the Senate. During his tenure in the Senate, Director Cameron was the senior member on the Senate Resources and Environment committee, Co-chair of the Health Care Task Force and former Chair and senior member of the Senate Commerce and Human Resources Committee which handles insurance legislation. He sponsored nearly 20 pieces of health care and insurance-related legislation during his Senate service.
Director Cameron earned an Associate Degree in Political Science from Ricks College (now BYU-Idaho) in Rexburg, Idaho in 1984. Prior to his appointment, he was licensed in Life and Health as well as Series 6 and 63. He and his wife, Linda, have three children and five grandchildren.
Thomas F. Carswell (TOM)
Assistant Director - Insurance Product Review
Office of Commissioner of Insurance, State of Georgia
Tom is an Assistant Director in the Division of Insurance Product Review, Office of Commissioner of Insurance, State of Georgia.
He has been with the Georgia Department for 34 years, beginning in the Regulatory Services Division as Assistant to the Life Actuary, working in financial regulation and company licensing before moving to the Life and Health Division in 1996 to help manage policy forms and rates review along with other managed care and legislative duties.
Tom is now serving his 5th different elected Georgia Commissioner of Insurance.
Tom has a BS in Business Administration/Finance from the University of Florida and some MBA coursework from the University of North Florida.
Tom is a Regulator Member of AICP.
Consumer Affairs Director
Mississippi Insurance Department
Andy Case is the Consumer Affairs Director for the Mississippi Insurance Department. He was appointed to this position on January 1, 2010 by the Honorable Mike Chaney, Commissioner of Insurance. Prior to joining the Mississippi Insurance Department, he worked for 23 years in various claim leadership capacities with Allstate Insurance Company. He was Frontline Process Leader in Louisiana from 1987-1995 and subsequently worked as Frontline Process Expert and Retained Counsel Manager in Louisiana from 1995-2001.
In 2002, Andy assumed the Frontline Process Expert leadership position as well as Compliance Manager and Retained Counsel Manager position for Allstate for the states of Mississippi and Arkansas. He also worked in a similar support role for the states of Tennessee, Kentucky and Louisiana. Andy served as Mississippi 30-b6 Expert Corporate Witness on behalf of Allstate Insurance for litigation matters in Mississippi.
Born in Natchez, Ms, graduated from Clinton High School and Mississippi College. Andy is married to the former Sharon Smith of Brandon, Ms. and he has 2 sons, ages 20 and 24.
Ed Charbonnier is a Product Reviewer with the Insurance Compact, responsible for the review of products filed with the Commission. Prior to joining the Insurance Compact, Ed was Director of Policy Form Review for the Massachusetts Division of Insurance. He managed a team of Examiners responsible for the form and rate review of Life Insurance, Annuity, Property and Casualty, and Individual Health products. During his tenure, the Division moved toward managed competition in Private Passenger Automobile Insurance, mandated the use of SERFF in the filing of rates and forms, and dramatically reduced the turn-around time for submitted filings. Prior to joining the Massachusetts Division, Ed was employed by Sun Life Financial, working in their New Business, Actuarial, and Project Management areas. He also has experience as a field underwriter at a managing general agency. Ed is a graduate of Emerson College, receiving the first Bachelor of Arts degree in Writing bestowed by the institution. He has earned the CERT, ALMI, AIAA and ACS designations from the Life Management Institute. Ed is a member of the Association of Insurance Compliance Professionals. He is currently co-chair of the SERFF Product Steering Committee.
Senior Regulatory Affairs Specialist
John Chaskey joined Westmont with over 30 years of experience in the insurance industry. Most recently, Mr. Chaskey was a Supervising Examiner for the New York Department of Financial Services ("NYDFS"), Consumer Services and Licensing Services Bureau. As part of this position, he served in the New York Investigations Section of the Consumer Services Bureau, where he analyzed, trended and reviewed the market conduct of agents, brokers and adjusters for all lines of insurance, and he investigated applicants and newly appointed insurance company officers and directors. His past experience also includes working as complaint examiner, with an emphasis on insurance company market conduct in all lines of insurance. He participated in many legislative initiatives working with Legislative Counsel and the industry regarding Licensing, Unfair claims practices and sales practices, Service Contracts and warranties, Bail Bonds, Life Settlements, Title Insurance, Unauthorized Insurance and Market Conduct regulations primarily for Producers and Adjusters. While at the NYDFS he participated in many National Association of Insurance Commissioners' initiatives including chair of the Producer Licensing Working Group, the Complaint Handling Working Group, and as a board advisor for the National Insurance Producer Registry.
Mr. Chaskey currently holds the designations of C.P.C.U. through the American Property and Liability Institute and C.I.E from the Insurance Regulatory Examiners Society. He received his BBA in accounting from Siena College in Albany, New York. Jack is a member of the Securities and Insurance Licensing Association and the Insurance Regulatory Examiners Society.
Westmont offers a uniquely comprehensive array of services designed to streamline the compliance process, maximize your efficiency and minimize hassles – no matter how many or in which states you do business. Our goal is to provide you with best practices that facilitate speed to market. Westmont is experienced in designing a multi-tiered approach for access to U.S. markets faster.
For any questions please do not hesitate to contact John at Westmont by calling 856-281-8608 or emailing John.F.Chaskey@westmontlaw.com
Assistant Vice President, Regulatory Services
Allianz Global Corporate & Specialty
Robin Clover is AVP, Head of Regulatory Services for Allianz Global Corporate & Specialty (AGCS) for North America. She is responsible for all areas of regulatory compliance, including Market Conduct, Consumer Affairs, Rate, Rule, and Forms Filings, Datacalls/Inquiries, Law and Regulation Change Implementation, and Company Licensing.
She has been with Allianz for over 25 years and has served in a variety of roles during that time, including all aspects of regulatory compliance, ethics, corporate culture/leadership, operations and executive project management.
Robin serves on the IRES Foundation Board of Directors.
She received her MBA and undergraduate business degree, with honors, from the University of San Francisco and has earned the designations of CPCU, AIE, and AMCM.
For more than 25 years, Dan Cotter has worked in the insurance industry or had clients in it through a variety of accounting, in-house and private practice experiences. Before joining Butler Rubin in 2015, Dan served as the Vice President, General Counsel & Secretary of Fidelity Life Association. His experience includes extensive transactional work as a buyer, seller and counsel; redomestications in numerous states, handling Form A filings, including hearings and/or exemptions in nearly 20 states; general regulatory and government relationships and filings in multiple jurisdictions; and market conduct, financial exam and fines and penalties experience. He also has extensive litigation and oversight experience.
Dan is a highly sought-after speaker on topics ranging from insurance to cyber security law and data protection. And in 2016, Dan earned his CIPP/US, a Certified Information Privacy Professional designation for the U.S. private-sector from the International Association of Privacy Professionals.
In addition, Dan assists corporations and not-for-profit entities in merger and acquisition transactions, review of cybersecurity insurance coverage and exposure, capital, lease and other financing transactions, employment and separation agreements, preparation of corporate, partnership and limited liability company documents, and other business and commercial transactions. He organizes companies, represents investors, advises senior executives as they join and leave companies, and counsels clients in disputes over control of their businesses. He also provides backup support to corporate law departments. The diversity of Dan's background and experience allows him to provide sound advice and develop inventive solutions for his clients over a broad range of business and legal issues.
Throughout his career, he has had leadership roles in both the bar and legal institutions, having served most recently as President of the Chicago Bar Association. Dan is an Insurance Counsel Member of the Federation of Regulatory Counsel. He is also an adjunct professor at The John Marshall Law School.
As part of the Law Bulletin Publishing Group's 2016 survey of the top lawyers in the state, Dan was designated a "Leading Lawyer" in Illinois in Insurance, Insurance Coverage and Reinsurance Law.
He began his legal career as an associate at Lord, Bissell & Brook (now Locke Lord) after working for many years as an accountant then paralegal at CNA Insurance in Chicago. Dan later returned to CNA as Director and Counsel. He also worked in legal capacities at Unitrin Services Company, Argo Group, Lindemann LLC and Korey Cotter Heather & Richardson.
President and Actuary
Coulter & Associates
Tom has over 35 years of professional experience in the actuarial field. He earned his ASA while working at Colonial Penn and later earned his FSA while working at the Hartford Insurance Group. Prior to starting Coulter & Associates, Tom was a consultant with Johnson & Higgins.
Tom is a Fellow of the Society of Actuaries and member of the American Academy of Actuaries. He holds a BA in Physics from Princeton University.
Principal Contract & Compliance Consultant
Coulter & Associates
Susan has been involved with life, accident and health contracts and compliance work and state filings since 1977 when she joined The Hartford. She subsequently worked at Commercial Life Insurance Company ending her career there as the AVP of Group Administration when UNUM dissolved the company. She joined her husband's actuarial consulting firm, Coulter and Associates, in 1996 and has continued to work with group and individual life, accident, health and specialty risk type products in addition to travel insurance and other personal inland marine type programs. Susan has a BA in History from Mary Washington University and a MSLS from the University of North Carolina – Chapel Hill.
Mathew E. Cunningham
Iowa Insurance Division
Annuity and Life Product Regulation
Currently has been with the Iowa Insurance Division since August of 2015 and has worked in the product regulation division reviewing life and annuity contracts, advertisements and all forms that are filed with the state. Additional responsibilities include suitability review process, 509a filings and joint task force with the state of Iowa's Senior Health Insurance Information Program(SHIIP).
Prior to joining the Insurance Division, Mathew was employed with Sammon's Financial Group for seven years in the Annuity Division. He split his time between the Marketing & Sales Team and the Compliance Team.
Before joining Sammon's Financial Group, he was employed by Principal Financial group as an agent and also worked in the home office. During that tenure he was FINRA licensed as well as with the State of Iowa for Life, Accident and Health.
Mathew is married with three children and resides in Urbandale, Iowa. When not working, he enjoys spending time with his children's sports activities, an avid enthusiast of smoking meats, camping and being outdoors. He is a product of the University of Northern Iowa (UNI).
Cailie A. Currin
Currin Compliance Services,Inc.
Cailie A. Currin, is President and owner of Currin Compliance Services, Inc. She has been in insurance regulation and compliance for over 20 years, after starting her insurance career at the (then) NY State Insurance Department. Opening her doors in January 2007, Currin and her staff are celebrating 10 years of providing a wide variety of compliance consulting and advisory services to life insurance companies, fraternal benefit societies, third party administrators and IMOs. In the precious few hours when she is not working, she enjoys yoga, CrossFit and bike riding. She recently raised over $5,000 to support Leukemia and Lymphoma Society by riding in the Maine Lighthouse bike ride on September 9, 2017. She rode in memory of her father who fought a lengthy battle with leukemia but passed away early this year. Advice Currin received from her father that she brings to her work every day is: "Work hard to make the right decision, then work to make the decision right."
People & Culture
Stacy Dannenberg of Minneapolis, Minnesota owns the People & Culture space at brightpeak financial. brightpeak is a start-up division of Thrivent Financial, an organization that exists to help the next generation of Christian families take action to be wise with money and live generously. Stacy began her time at brightpeak in January of 2013 and has held numerous roles across the organization: she started in IT/Operations, moved into a Project Manager role, led Sales Operations and ultimately came into the role of People Systems Manager in the fall of 2015.
Stacy completed her undergraduate degree in three years at the University of Minnesota, Twin Cities, in 2010. She also worked two jobs and held several political internships, ultimately ending her collegiate career as a Junior Speechwriter for Governor Tim Pawlenty, who she credits with her decision NOT to go to Law School!
After undergrad Stacy spent close to three years at Target Corporation, holding a range of store management positions. She loved the people and the work, but still felt called to do more. Enter brightpeak, an organization that offered her the unique opportunity to wear many hats and serve as a cross-organizational utility player, something she truly believes is the "next big thing" organizations must do to attract and retain young talent. Stacy is a business-minded person who is passionate about people, and truly feels like she has found her calling in the People Systems space.
When she isn't at brightpeak, Stacy spends time on her personal passion: education. Currently finishing her Master's in Organization Development & Change Leadership, Stacy is working towards a degree that blends her passions of people, process and business. When she isn't at work or school, you can find Stacy with her dog, her family, and a good glass of wine.
Hazel is a Compliance Consultant with the Chicago, IL Milliman Practice and works out of the Buffalo Grove office. She joined the firm in 2005. She plays a key role in Milliman's Compliance Consulting Practice, which focuses on product development, state (SERFF/I-File) and Interstate Compact forms and rate filings, compliance research, regulatory analysis, and compliance training. She handles individual and group life, annuity, and health products (health products include: Affordable Care Act Qualified Health Plans, Major Medical, Medicare Supplement, Critical Illness, Hospital Indemnity, Hospital-Surgical, Accidental Death, Dental, and Vision). She has been the primary Compliance Consultant at Milliman to handle hybrid product development and state filings for Life/Long-Term Care Insurance, Life/Chronic Illness/Terminal Illness, Annuity/Long-Term Care Insurance, and Annuity/Chronic Illness products.
Hazel has over 20 years of regulatory compliance experience and has worked for several insurance companies prior to her employment with Milliman. She has held various compliance positions including Compliance Manager, Senior Supervisor, and Senior Compliance Analyst. In addition to her BS Degree and MBA Degree, Hazel has earned insurance industry designations of AIRC, AAPA, ACS, AIAA, HIA, and MHP.
Business Analyst III
Stacie joined the NAIC in May 2007 as a Customer Support Analyst, but currently holds the position of Business Analyst III on the Filing Solutions team. In this role, she is responsible for drafting project documentation, analyzing data, and application testing. Additionally, she serves as the team liaison for the SERFF Product Steering Committee. Stacie earned a BA in Communications from the University of Missouri – Kansas City.
Compliance Consultant, Retirement Plans
Standard Insurance Company
Bill Douglas, FLMI, FFSI, AIRC, AAPA, ACS, CCP – Bill has been involved in the insurance contract and compliance industry for over 35 years. Bill is currently a Compliance Consultant, Retirement Plans at Standard Insurance Company. He has also been the Compliance Director for Group Insurance at CIGNA, and a Vice President of Sales and Compliance Operations at two consulting firms. Bill is very active with industry associations having served on the Executive Committee of the Life & Health Compliance Association as well as having been a past President of the AICP. Bill also participated on the industry team that developed and refined Individual Annuity standards for the Interstate Compact in conjunction with the Interstate Compact Commission. Bill also participated on a LOMA team that reviewed and updated the exams for the AIRC designation. Bill is a past recipient of the AICP's President's Award and Lennon Award.
Senior Compliance Counsel, Insurance
Wolters Kluwer Financial Services
With thousands of regulatory guidelines affecting insurance businesses each day, Kathy Donovan understands the complexities insurers face and offers insight on how they can meet those challenges and develop a core perspective on compliance and risk management.
Expert commentator on compliance issues within the insurance industry, appearing in industry publications including Best's Review, Insurance Networking News, National Underwriter, Claims, PropertyCasualty360.com, Insurance Compliance Insight, Insurance & Technology, Global Finance, Producers eSource, the Insurance Regulatory Examiners Society's (IRES) The Regulator newsletter, National Association of Health Underwriters' (NAHU) Health Insurance Underwriter magazine, the Association of Insurance Compliance Professionals The Journal for Insurance Compliance, LifeHealthPro and the American Association of Insurance Services' (AAIS) Viewpoint magazine.
Presenter at various industry events, including the Association of Insurance Compliance Professionals (AICP) Annual Conference, Insurance Regulatory Examiners Society (IRES) National School on Market Regulation and Career Development Seminar, Compliance & Ethics Forum for Life Insurers (CEFLI), LIMRA/LOMA Regulatory Compliance Exchange, American Council of Life Insurance (ACLI) Legal and Compliance Conference, Life and Health Compliance Association (LHCA) and America's Claims Event (ACE).
Education and Certifications
Senior Operations Manager
Sara Dubsky is the Senior Operations Manager of the Insurance Compact. Having joined the Compact team in February 2007, Sara's primary responsibilities are to assist the Executive Director in managing the day-to-day operations of the Compact office, including the Compact's electronic product filing platform, and uniform standard-setting processes.
Before joining the Compact, Sara worked in the U.S. House of Representatives for Representative Chet Edwards of Texas as his Scheduler from 2004 to 2007. Prior to working in Representative Edwards' office, Sara worked on the presidential campaign for former Representative Richard A. Gephardt of Missouri. Sara had joined the campaign staff from Mr. Gephardt's Minority Leader Office.
Sara is a graduate of the College of Charleston in South Carolina. Sara received a B.A. in U.S. History, Post Civil War.
Chief Deputy Insurance Commissioner
Georgia Department of Insurance
Justin Durrance joined the Georgia Department of Insurance in 1995 and has served as Chief Deputy Insurance Commissioner for the last 22 years. He also serves as the Deputy Industrial Loan Commissioner and Deputy Safety Fire Commissioner. Prior to his work at the Department, Justin was the Political Director and then Executive Director of the Georgia Republican Party. He has earned a bachelor degree from Troy University, a M.A. from Emory University, and a M.B.A. from Mercer University and currently holds the insurance designations of FMLI (Fellow, Life Management Institute) and CIE (Certified Insurance Examiner).
A native of Florida, Justin has lived in Georgia for over 25 years. He and his wife, Moraima, live in Atlanta.
Robert is a Consulting Actuary at Milliman in Tampa, FL, specializing in long-term care, life insurance, and combination life / health products. Robert has over ten years of experience in the insurance industry and over eleven years of long-term care experience, both in an insurance company and consulting setting, and he is a frequent speaker at industry events. Robert is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries.
Senior State Filings Consultant
Guardian Life Insurance Company
Susan Eckler-Kerns is a currently a Senior State Filings Consultant for the Guardian Life Insurance Company of America, working on a variety of LAH products and issues. Prior to her employment at Guardian, from 1986 – to 2014, she was employed by The Prudential insurance Company of America. In her most recent role there, she was Director, Regulatory Compliance Technology. Additional details regarding work history and accomplishments can be found here: https://www.linkedin.com/in/susanecklerkerns.
Susan played a key role in the development and growth of the System for Electronic Rate and Form Filing (SERFF) and served on the SERFF Board of Directors from 1999 -2012, for many years serving as the Vice Chair. She was has been extensively involved in the SERFF Product Steering Committee, serving a number of years as Co-Chair.
From 2014-2016, Susan served as the Vice President, President, then Past President of the Association of Insurance Compliance Professionals (www.aicp.net). She was awarded the AICP Lennon Award in 2012, the AICP's most prestigious award for volunteerism, and has been very active leading a variety of AICP committees, as well as serving on AICP committees and participating in Chapter activities.
Susan is a summa cum laude BA graduate of Fairleigh Dickinson University (Madison campus) in Psychology, and she also earned her FLMI with distinction. She is a lifelong resident of New Jersey whose hobbies and interests include quilting, organic vegetable gardening, skiing, hiking, caving, horseback riding and scuba diving.
Senior Compliance Director
Brian is a Sr. Compliance Director in Des Moines, Iowa. Over the last 17 years he has developed and supported a variety of compliance audit programs in addition to the build out of a companywide framework for communicating, implementing, and reporting on new regulatory requirements. In his current role he oversees several compliance programs designed evaluate compliance risks for Nationwide's personal lines, commercial lines, and sales business areas.
Prior to joining Nationwide, Brian was employed with AIG where he held a variety of P&C claim positions. He received his undergraduate degree in Management from Upper Iowa University and holds the Chartered Property Casualty Underwriter (CPCU) and Market Conduct Management (MCM) designations.
Denise Farnan is a Consulting Actuary with Perr&Knight where she leads the Predictive Modeling Unit and also provides other actuarial services that include Property & Casualty insurance rate and rule filings, product development, ratemaking and reserve analyses.
Prior to joining Perr&Knight, Denise led the actuarial department at Bristol West Insurance Group, a non-standard auto insurer, as well as held various actuarial responsibilities at the National Council on Compensation Insurance, Inc. (NCCI).
Denise Farnan has a Master of Science degree in Mathematics from the University of Florida. Denise is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.
Jeffrey Ferrand serves as Fuzion's fraud officer, where he oversees claims fraud, waste, and abuse (FWA) mitigation efforts and all claims special investigations. Jeff designs and implements FWA programs, focusing on referral training and engagement, strengthening Special Investigation Unit (SIU) investigations, and developing FWA claim mitigation strategies. Prior to joining Fuzion, Jeff was a trial attorney defending insurers and their insureds in a wide range of legal issues, specializing in insurance fraud and coverage. In addition to trial work, his practice included overseeing fraud investigations, taking witness interviews, and securing Examinations Under Oath of parties suspected of fraudulent behavior. After approximately 13 years of private law practice, Jeff transitioned his expertise to Fuzion where he has remained very active in fraud and legal communities. He is the Past President and current Board Member of the National Society of Professional Insurance Investigators (NSPII), a leading national anti-fraud professional organization, and serves on numerous other professional boards and governance committees. He is also a frequent lecturer on insurance fraud and insurance coverage issues. Jeffrey received a Bachelor of Arts degree in Psychology from Wabash College and his J.D. from Indiana University School of Law-Indianapolis.
Greenberg Traurig, P.A.
Richard J. Fidei focuses his practice on national insurance regulatory and compliance matters. He represents a wide variety of insurance entities including insurance companies, health plans, reinsurers, managing general agencies, brokers, third-party administrators, claims companies and other insurance-related entities in connection with regulatory, corporate, compliance and transactional issues. Rich is experienced in the formation, licensure and capitalization of insurers, business expansion activities, financial and market conduct examinations, reinsurance and alternate risk transfer mechanisms, product filings, as well as many other operational and regulatory issues applicable to insurance entities.
Manager, Professional Services
Amy Fields is the manager of the Professional Services group within Wolters Kluwer for the OneSumX Compliance Program Management platform. She has worked in the financial services industry since 2004 and is now managing system implementations across banking, insurance, and securities in the areas of regulatory change management, risk and control assessments, testing, and issues and action management, as well as other important compliance management processes.
Fields recognizes the increased burdens that financial institutions face in the post-fiscal crisis era, including ever-increased regulations—and rising regulator expectations around risk management programs. She works with clients, drafting policies and procedures as well as conducting audit testing to help them create a multi-faceted risk management program that is aligned with emerging industry developments. She also helps identify areas of vulnerability and recommends technology solutions to streamline firms' risk and compliance management efforts, including enhancing the effectiveness of controls. Finally, she advises client on adopting a consistent approach when creating a risk management program.
Prior to joining Wolters Kluwer, Fields was an operational risk manager with Valley National Bank, where she was charged with implementing OneSumX for Financial Services, an industry-leading compliance management solution. Executing on this deliverable gave her firsthand insight into the intricacies of implementing an enterprise-wide solution—and a deeper appreciation for the need to balance the occasionally competing priorities and obligations of multiple business lines. To successfully deliver, she closely collaborated with executives across the organization to identify, analyze and rate risks for likelihood and impact, creating controls for effectiveness. Once implemented, she leveraged her solution expertise to help end-users capitalize on the full power of the solution to manage risks related to day-to-day activities. Fields also held position with PNC Bank and Merrill Lynch. She holds a master's degree in business administration from William Patterson University and a bachelor's degree in business administration with a finance concentration from Pace University.
Arkansas Insurance Department
Russ Galbraith joined the Department in 2015. Since then, he has authored the Department's efficiency report, led the effort to streamline agent pre-license education and served as hearing officer for numerous agent, company and consumer issues.
Before that, Galbraith served as senior government and industry affairs manager for Farmers Insurance for 17 years. During that time, Galbraith served as the primary legislative and regulatory liaison for Farmers in Arkansas, Mississippi and Louisiana. He previously served as President of the Arkansas Adjusters Association and sat on numerous industry boards including the Arkansas, Mississippi and Louisiana Automobile Insurance Plans, the Governor's Earthquake Taskforce, the Arkansas State Disaster Coalition, the Arkansas Rural Risk Underwriting Association and the Arkansas Insurance Industry Coalition.
He earned a master's degree in public administration from UALR and a bachelor's degree in political science from Lyon College.
Karen Givens is a Product Reviewer with the Insurance Compact, responsible for the review of products filed with the Commission. Prior to the Compact, Karen was a Senior Compliance Analyst with Pacific Life Insurance Company from January 2008 until joining the Compact in 2011. Her primary responsibilities at Pacific Life included drafting and filing of all individual, fixed, and variable annuity products. Prior to joining Pacific Life, Karen served as the Director of Compliance for the Retirement Plans Division at Mutual of Omaha Insurance Company. Karen was responsible for managing the compliance functions of the Division that supported group fixed and variable annuities, accumulation products and institutional investments. Karen has extensive experience in annuity administration, product development, forms compliance and state filing functions. Prior to joining the insurance industry, Karen was employed as an attorney in private practice. Karen received her Bachelor of Arts degree in Sociology and Political Science from Creighton University. She also received her Juris Doctor from Creighton University School of Law and is licensed to practice law in the state of Nebraska. Karen is Series 7 & 26 licensed and recently served as a Registered Principal with Mutual of Omaha and Pacific Life.
Nebraska Department of Insurance
Maryana Grodnova-Ware, Actuarial Assistant for the Nebraska Department of Insurance. She accepted her current position in April, 2016. She has been a Life and Health Analyst since January, 2009.
She became a member of AICP in 2009 and at the same time joined the AICP Website and Education Committee. Currently, she serves as the 2017 Conference Planning Website/Wiki Sub Committee Chairperson and Heartland Chapter Regional Director.
Maryana graduated from Mykolaiv State Pedagogical University with the Bachelors of Science degree major in Mathematics and Computer Science and a Master of Science degree in Mathematics. Attended the Faculty of Economics and Management at the South Academy of Ministry of Industrial Policy of Ukraine from 2002 to 2004 where she received a Bachelor's degree and a Master's degree in Business Administration. The above degrees have been evaluated and certified by Educational Credential Evaluators, Inc. in the U.S. Maryana has 10 years' experience in almost all aspects of banking by working as an economist at the Credit Bank of Ukraine from 1994 until she left to reside in the USA in November, 2004. From December, 2005 she worked for Perot Systems in the Administration department as a Quality Assurance Representative in Lincoln, Nebraska. January, 2009, she started working at the Nebraska Department of Insurance as a Life and Health Analyst.
Maryana is originally from the Ukraine and made Lincoln her permanent residence in 2004. She applied for the green card and permanent resident status in January, 2005 and received it in December 2005. May, 2011 Maryana became a citizen of the USA. She speaks 3 languages, English, Russian and Ukrainian.
Maryana has following designations:
She is member of the Nebraska State Wellness Champion Committee. Since 2010 she is a certified yoga instructor and teaches yoga classes in several fitness facilities and for the state employees. In her spare time Maryana enjoys ballroom dancing, Argentine tango dancing, yoga, tennis, volleyball, gardening, hiking, and skiing.
Vice President & Compliance Officer
Lincoln Heritage Life Insurance Company
Shirley is Vice President of Lincoln Heritage Life Insurance Company and began her career with them in 1985. Her primary responsibilities include direct experience and oversight experience with product development, underwriting, claims, form and rate filings and regulatory review and implementation. Other experience includes coordinating exams, handling mergers and reinsurance transactions and corporate filings.
Shirley participates in several professional groups including holding leadership positions over the years with AICP. She is a past Regional Director.
In addition Shirley works with LOMA on text book revisions and test development.
Life and Health Division
North Carolina Department of Insurance
After 17 years in the life and health insurance industry, Ted joined the Department of Insurance in January 1988 (29 years). He has served the Department in various positions over the years involving the regulation of life and health insurance.
In April 2005, Ted was appointed to his present position as Deputy Commissioner of the Life and Health Division with responsibility for prior approval compliance review of policy forms and rates, and various non-financial functions related to licensing of HMO and PPO entities, Third Party Administrator, Viatical Settlement Providers and Multiple Employer Welfare Arrangements, and actively contributes to Departmental review of legislative proposals related to life and health insurance in NC. Since 2005 he has been and continues to be an active participant in product and process model development by various committees and sub-committees of the National Association of Insurance Commissioners(NAIC), has previously served on the NAIC System for Electronic Rate and Form Filing (SERFF) Board and continues to participate in SERFF Board meetings. North Carolina in 2005 was one of the first states to adopt the Interstate Insurance Product Regulation Commission (IIPRC) legislation and Ted has served previously as management committee member for the IIPRC, currently serving as IIPRC Technology Committee Chair, is active on the IIPRC Product Standards Committee, and as the designated IIPRC member state representative for North Carolina Insurance Commissioner Mike Causey.
Minnesota Department of Commerce, Insurance Division
Paul Hanson has been the Chief Examiner for the Minnesota Department of Commerce, Insurance Division since 2000. His responsibilities include market conduct examinations of insurance companies. He also works closely with the NAIC on market conduct issues.
Maureen Hart Perry
Product Review Consultant
Maureen Hart Perry is a Product Review Consultant with the Insurance Compact, responsible for the review of products filed with the Commission. Prior to joining the Insurance Compact, Maureen was a member of the New Hampshire Insurance Department ("NHID") from 1989 to 2010 where she was the Life and Health Compliance Manager. Her responsibilities included hiring, training and supervision of life and health insurance examiners along with other division employees. Prior the NHID Maureen worked for eleven years in the insurance industry. Her responsibilities included traveling to various life agencies and disability brokerage offices across the country to train new managers in corporate procedures, accounting and software programs. Maureen is a graduate of Franklin Pierce College with a Bachelor of Science degree in Management. She is a Certified Public Manager (CPM) and a Health Insurance Associate (HIA).
Market Conduct Oversight Manager
Washington State Office of Insurance Commissioner
Machael M. Heise
Executive VP & COO
Currin Compliance Services, Inc.
Machael M. Heise, Executive VP & COO, has 30 years of experience in the financial services industry. Her extensive experience in operations and compliance comes from 14 years in banking and 16 years in the insurance industry, where her roles included Branch Operations Manager, Director of Operations, and Director of Product Compliance. Machael has strong service and negotiation skills and is able to focus on detailed research and drafting tasks, while keeping the big picture in mind. Her contract-drafting experience includes fixed, variable, and indexed for life and annuities, as well as accident and health lines in 50-state filings, as well as the Interstate Compact. While Machael's previous experience was in the individual market, she is quickly becoming an expert in group. Machael works remotely in sunny California and enjoys spending time with her two growing boys, cooking, and reading true crime and classic literature.
Manager, Deloitte Advisory
Deloitte & Touche LLP
Christopher Helmick is a Manager within Deloitte Advisory specializing in insurance-related areas. Christopher joined Deloitte in 2015 after spending 25 years in the Property & Casualty insurance industry. He has worked for two of the "Top 6" US Property & Casualty insurers and has extensive experience in auto, homeowner, and a myriad of specialty product lines.
His background includes nationwide responsibility for product and underwriting; rate- and form-filing compliance; claims operations including inside, field, line, and staff, and catastrophe-response management.
He's held both an Agent Producer and Adjuster licenses in Michigan. He earned his Market Conduct Manager (MCM) designation and obtained a Certified Insurance Counselor (CIC) designation.
Terri Hitchcock is Director of Perr&Knight's Product Design Practice area. Her responsibilities include oversight of the Product Design area. She has extensive experience with standard property and casualty lines of business as well as professional liability insurance for all types of professionals and facilities and errors & omissions coverage. In addition, she has experience with management liability coverages such as directors & officers, fiduciary and employment practices liability. Terri's projects have also extended to specialized accident and health products.
Prior to joining Perr&Knight's Fort Worth, Texas office in 2010, Terri spent five years working at a specialty automobile insurer, focusing on compliance as well as transactional issues facing this heavily regulated line of business. Before that, she spent twenty years at various national insurance companies, including TIG Insurance Group, Zurich Insurance Group, the Maryland Casualty Companies and General Accident Insurance.
She has a strong contract, compliance, product development, underwriting, reinsurance and operations background having provided such services to clients in the industry over the past 30 years. Terri graduated, cum laude, with a B.A in English and in French from the College of the Holy Cross. She received her J.D, cum laude, University of Maryland School of Law.
Michael J. Hollar
Manager, Policy Filings
Combined Insurance Company of America, A Chubb Company
Michael has been the Manager of the Policy Filings Department since April 2006 and an employee since December 2001 with Combined Insurance Company of America, A Chubb Company. Combined's product lines consist of Supplemental Health, Medicare Supplement, and Life products. Michael is responsible with assisting the business units with development of new products, electronic application compliance, and addressing inquiries from Business Units. Michael also assist as Co-Manager with managing a staff of 12 that maintains compliance from development, filing, implementing, and monitoring statutory changes of new and existing products.
Michael began his insurance career at Trustmark Insurance Company in 1997. Prior to joining Trustmark, Michael worked for 10 years overseeing and administering a demand side management energy conversion program for a Wisconsin utility.
Michael has a Bachelor of Science Comprehensive Business Education Degree from the University of Wisconsin-Eau Claire. Michael has also obtained his HIA, FMLI, AIRC, DHP, LTCP, and CCP insurance related designations.
Michael's AICP involvement since joining in 2002 is listed below.
Insurance Compliance Professional
Currin Compliance Services, Inc.
Rate Analyst III
Alabama Insurance Department
Gina Hunt joined the Alabama Insurance Department in 2006. She serves as a Rate Analyst III and her primary focus is on Worker's Compensation rate and form filings and other issues involving worker's compensation. She also reviews rate and rule filings for Medical Malpractice, General Liability, Surety, Fidelity and other lines of coverage. Before arriving at the Insurance Department, Gina worked as a Premium Field Auditor and performed audits and inspections for various insurance companies.
Gina earned her bachelor degree from Auburn University. She holds the designation of CPIW (Certified Professional Insurance Woman) and also received a Certificate in General Insurance.
Gina was born and raised in Alabama. She and her husband, Tommy, live in Montgomery, AL.
Second Vice President - Actuarial
United States Liability Ins. Group, Wayne, PA
Colin B. Johnson
District of Columbia, Department of Insurance, Securities and Banking
Colin B. Johnson, Sr. began his over 23 year tenure with the District of Columbia Department of Insurance, Securities and Banking (DISB) as an Insurance Operations Specialist. His initial responsibilities included analyzing, investigating, and mediating official property & casualty, life and health insurance complaints regarding the malpractice of both insurance agents and insurance companies.
Moreover, Mr. Johnson has served as an Outreach Coordinator for the Department. Having attained the reputation of Subject Matter Expert, Colin has frequently been one of the few insurance operations specialists assigned to speak to stakeholders and organizations ranging from seniors to insurance executives and community advocates within the eight wards in Washington, D.C. Notably, he has successfully hosted a Brown Bag Seminar for the Government Printing Office Federal Credit Union where he reviewed attendees' homeowners, health and automobile insurance policies.
Currently, Mr. Johnson serves in the role of Insurance Examiner and is primarily responsible for reviewing, approving, and rejecting health insurance policies , certificates , riders, amendments, and endorsements form filings prior to the insurer and/or insurer's agents selling these contractual documents in the marketplace. Mr. Johnson is a member of the Association of Insurance Compliance Professionals (AICP) and a member of the Insurance Regulatory Examiners Society (IRES).
Mr. Johnson received his Bachelor's degree in Banking and Finance from Morehouse College in Atlanta, Georgia. He is the proud father of two sons, Colin II and Laurence, who are seniors at West Virginia University and University of Missouri, respectively.
Director of Compliance and Government Relations
Homesteaders Life Company
Tracy Kelly-Whitaker earned her bachelors degree in business from the University of Iowa and a Juris Doctor degree from Drake University.
Tracy has been employed by Homesteaders Life Company in the legal and compliance area for the past 18 years. She is currently the Director of Compliance and Government Relations where she wears many hats and her expertise in compliance, government relations, life insurance, privacy law, funeral law, preneed law, complaint handling and fraud are put to good use.
She is also well known in the industry for her success in partnering with legislators, regulators, lobbyists and other insurance companies on legislation and proposed rules that may impact our industry. She often lobbies on behalf of her industry before state legislators.
Ms. Kelly-Whitaker is an active member of the Iowa State Bar Association and is Communication Chair for the Corporate Counsel Section. She is also active in the National Alliance of Life Companies (NALC) as a Board member and Co-chair of the small policy committee, and on several committees with the American Council of Life Insurers. Ms. Kelly-Whitaker has also earned her FLMI and her Associate Insurance Regulatory Compliance certification.
She lives in Iowa with her husband Scott and their mischievous poodle Louis.
Tracy L. Klausmeier
Director Property and Casualty Division
Utah Insurance Department
Tracy Klausmeier has 33 years of experience working in the property and casualty insurance industry in both the public and private sector and is currently the Utah Director of Property and Casualty Division. As Director, she is responsible for the regulation of property and casualty insurance industry. Her team is responsible for all property and casualty rate and form filings as well as all property and casualty consumer complaints. She represents the Utah Insurance Department on legislative issues, and serves on several insurance committees at the National Association of Insurance Commissioners. Ms. Klausmeier is a Certified Public Manager and she has recently earned her CPCU designation from The Institutes.
Danette Kobolt is the Compliance Supervisor with the Loss Control Services team for Nationwide Insurance. Danette earned her B.A. in Accounting and Finance, with a minor in Economics, from the University of Northern Iowa, and her law degree from Thomas M. Cooley Law School in Lansing, Michigan. She is a licensed member of the Iowa State Bar Association and was admitted to practice law in the State of Iowa in September 2009. Prior to joining Nationwide, Danette worked for the Iowa Insurance Division's Consumer Advocate Bureau, United Way of Central Iowa, and the Department of Homeland Security.
Stacy is a compliance consultant with the Tampa office of Milliman. She joined the firm in 2013 bringing with her 13 years of prior consulting experience. Stacy consults on a wide variety of life, annuity and health insurance compliance issues. Stacy has experience consulting with insurers regarding product design, market trends and compliance questions related to health insurance, fixed and variable life insurance and combination life and health products. She specializes in development of group and individual supplemental health insurance products, particularly critical illness, accident, hospital indemnity and other fixed indemnity insurance. Stacy is admitted to the Kansas and Missouri State Bar.
Washington Insurance Commissioner
Mike Kreidler is Washington's eighth insurance commissioner, first elected in 2000 and re-elected to his fifth term in 2016. Commissioner Kreidler has earned a reputation both as a staunch advocate for consumer advocacy and as a fair and balanced regulator.
The commissioner served 16 years in the state Legislature, first as a Representative and then Senator. He later was elected to Congress. In 1998 he was appointed Regional Director for the U.S. Department of Health and Human Services' Region 10 office in Seattle. He served in that post until 2000.
Since 2007, Commissioner Kreidler has chaired the National Association of Insurance Commissioners' Climate Change and Global Warming Work Group. He led a successful push for insurers to disclose how they are preparing for the potential risks associated with climate change.
A doctor of optometry, he practiced at the former Group Health Cooperative in Olympia, Washington, for 20 years. He holds a master's degree in public health from UCLA. Mike retired from the Army Reserves as a lieutenant colonel after 20 years of service.
He is the most-tenured insurance commissioner in the country, providing leadership that spans from healthcare reform to climate change.
Jana M. Landon
Co-Chair Data Breach Response and Cyber Insurance Teams
Stradley Ronon Stevens & Young, LLP
Jana M. Landon is the co-chair of Stradley Ronon Stevens & Young, LLP's Data Breach Response and Cyber Insurance teams. Her practice focuses on advising organizations of all sizes in multiple industry sectors on data breach response, data security and data management issues. Jana also provides regulatory compliance services and assists clients in policy/procedure preparation, tailored by the client's specific risks and governing laws. In the area of cyber insurance, Jana assists clients in evaluating coverage, determining whether existing coverage is sufficient, and proactively protecting data before an incident occurs. In the event of a data breach, she provides post-breach counseling regarding existing insurance coverage as well as any statutory notification requirements.
Product Filing Support Coordinator
Aimee Lawson is the Product Filing Support Coordinator for the Insurance Compact. Aimee joined the Insurance Compact team in August 2011, her primary duties include coordinating SERFF, including Product Filing and Registration fees, and company marketing and outreach. Before joining the Compact, Aimee worked as a Paralegal at a major law firm in their investment Management and Alternative Investments group, which provided legal and compliance assistance to insurance companies and other regulated financial institutions. Aimee is a graduate of Clarion University of Pennsylvania; she received a B.A. in Political Science.
Chief Deputy Commissioner
California Department of Insurance
Joel Laucher is the Chief Deputy Commissioner for the California Department of Insurance. He joined the Department in 1985 as a market conduct examiner. He has been finding fault with insurance companies ever since. That doesn't mean he doesn't appreciate insurance or the people who work to make insurance available.
Tammy L. Lohmann
Director of Insurance Product Filing Unit
Minnesota Department of Commerce
Ms. Lohmann has been employed by the Minnesota Department of Commerce since 1987. She has been the Director of the Insurance Product Filing Unit since 2008; overseeing all property/casualty rate and form filings, as well as life, annuity, and supplemental health insurance form filings. Ms. Lohmann is the department’s liaison with the Minnesota Workers’ Compensation Insurers’ Association (MWCIA) and represents the department on the MWCIA Board of Directors. She also represents Minnesota on a number of NAIC Task Forces and Working Groups in the areas of property/casualty insurance and speed to market activities. She is a graduate of the George Washington University and William Mitchell College of Law.
First Consulting & Administration, Inc.
Judy Lucas is an Associate Consultant with the regulatory and compliance consulting firm of First Consulting & Administration, Inc. in Kansas City, Missouri. . She holds a Bachelor's Degree in Political Theory & Social Relations from Michigan State University. Judy has 17 years of experience in Life & Health industry and has focused on home office operations, including involvement with regulatory compliance issues, legislative analysis, advertising review, agent licensing, and the design, drafting & filing of life and health products. She is also familiar with Long Term Care and Long Term Care Partnership requirements. Judy lives in Milford, MI with her husband and 9 year old boy. She enjoys scrapbooking and spending time with family and friends.
Department of Insurance & Financial Services, State of Michigan
Bob has been an underwriter and production underwriter for a number of Mid-West Property & Casualty Insurance Companies for 22 years. For the past 12 years he has worked for the Department of Insurance & Financial Services, State of Michigan. He is currently the Department Specialist dealing with Workers Compensation and other Commercial lines of Coverage such as liability, umbrella, commercial multi-peril, title and inland marine coverages.
Bob is married and lives in a suburb of Lansing, Michigan. He grew up in suburbs of Chicago Illinois and cheers for the Stanley Cup Champion Chicago Blackhawks. He is active in a local astronomy club and has been a civil war reenactor for a number of years.
Senior Insurance Market Examiner
Virginia Bureau of Insurance
Amanda McCauley has 20 years of regulatory experience with the Virginia Bureau of Insurance. She currently is a Senior Insurance Market Examiner in the Life and Health Division. She is responsible for assuring that life, annuity and viatical settlement contract forms and credit life and credit accident and sickness insurance forms and rates comply with Virginia laws and regulations. Amanda holds a BS in Psychology from Virginia Commonwealth University and has earned the insurance related designations of HIA and DIA.
Assistant Director of Product Operations and Counsel
Becky McElduff is Assistant Director of Product Operations and Counsel with the Insurance Compact, responsible for coordination of product operations and primary legal support for the Commission. In her former role as Senior Counsel with the National Association of Insurance Commissioners, Becky supported the Insurance Compact even before it became operational in 2006. She served as primary staff support to the Product Standards Committee and NAIC working group and provided legal support to the start-up and ongoing operations of the Insurance Compact. Prior to joining the NAIC, Becky worked in private practice and clerked at the Missouri Court of Appeals, Western District. She earned her undergraduate degree in journalism and her law degree from the University of Missouri. She is licensed to practice in Missouri.
President and CEO
McHugh Consulting Resources, Inc
Ginny McHugh is founder and President of McHugh Consulting Resources, Inc. an insurance compliance consulting firm. Established in 1999 and located near Philadelphia, PA, McHugh Consulting Resources specializes in providing a full range of compliance and regulatory consulting services to the insurance industry such as product development, policy drafting, state filing services, regulatory review, advertising and marketing material review, and a variety of other related consulting services. McHugh Consulting also provides company licensing, expansion of licensing and TPA licensing services.
Having previously served in compliance officer roles for several major insurers Ginny offers extensive experience in group and individual life and health insurance products. Specific experience includes small and large group major medical, MET's; managed care plans; stop loss, provider excess, and HMO reinsurance; disability income; blanket special risk coverage; student A & H; medicare supplement programs; association group products; financial institution/ direct response products; and considerable experience with discretionary group and trust products.
David Milligan, 2017 Conference Chair
Assistant Vice President - Regulatory Comliance
American Equity Investment Life Insurance Company
David Milligan currently holds the position of Assistant Vice President of Regulatory Compliance in the Compliance Department at American Equity Investment Life Insurance Company of West Des Moines, Iowa. In this position, he is responsible for developing, implementing, and monitoring compliance and market conduct policies, procedures and guidelines for the company, governing the marketing, sales, and administration practices of the companies products. He then works with the various departments of the company to implement and integrate these compliance programs into the day-to-day operations of the company. This is accomplished by identifying, establishing, monitoring, and enforcing programs and procedures to ensure that company guidelines and state and federal laws and regulation relating to these practices are complied with, and that ethical business principles govern all company dealings with customers.
David has been in the insurance industry for over 25 years, more than 20 of those in the compliance field. He is a member of the Association of Insurance Compliance Professionals (AICP), serving in numerous capacities including Regional Director of the Heartland Chapter, and President, Vice-president and Past President of the Heartland Chapter. Dave was presented with the Heartland Chapter's President's Award for his commitment and service t the chapter. Additionally, he has served on many national and chapter committees and has been a regular presenter and speaker at the AICP's Annual Conference and at various E-days. He has also been a member of the Life, Health & Compliance Association (LHCA), having served as the chairperson of that organization's Executive Committee. Dave also was recognized with the LHCA's Don Edde Award, recognizing his commitment to "Professional Excellence, Active Participation, Leadership and Improvement of the Association."
David has earned the FLMI, ACS, AIAA and AIRC designation from LOMA. He earned his CCP and ACP designations from the AICP.
David is a 1984 graduate of Grand View College, Des Moines, IA. His earned a bachelor's degree in Business Administration and Human Behavioral Science.
Sheryl J. Moore
President and CEO
Moore Market Intelligence
Sheryl J. Moore is president and CEO of Moore Market Intelligence. She is also the founder and creator of several competitive intelligence tools, including Wink's AnnuitySpecs and LifeSpecs tools, as well as Wink's Sales & Market Report. Moore Market Intelligence specializes in providing competitive intelligence tools to the insurance industry, particularly the indexed life and annuity markets. Ms. Moore provides competitive intelligence, market research, product development, consulting services and insight to select financial services companies.
Prior to forming Moore Market Intelligence, Ms. Moore was the manager of a competitive intelligence unit for a multi-line global insurer. In addition, she gained an intimate knowledge of indexed products and markets as the Market Research Analyst in charge of competitive intelligence for both life and annuity lines of business with an insurer that was #1 in both indexed life and indexed annuity sales.
She is co-author of The Encyclopedia to Index Products: Annuity and Life. Her research and articles are regularly featured in over 20 different insurance trade publications and resources including Annuity News, Best's Review, The Des Moines Register, Insurance News Net, Investment News, The New York Times, Senior Market Advisor, and The Wall Street Journal. She has worked closely with the media as a fact- checking resource on life insurance and annuities and spent five years correcting every misleading or inaccurate article published on indexed products.
Ms. Moore also works closely with regulators. Her research is regularly presented to the National Association of Insurance Commissioners Conference, to aid in their understanding of indexed products. She serves as a resource to regulators on issues such as insurance distribution, marketing, product development, and training. She actively participates in the rule- making process for life insurance and annuity products, and her research has been presented to Congress to lead industry efforts in thwarting the securities regulation of indexed insurance products.
She has a degree in Political Science from Grand View University, and holds numerous designations in the field of insurance services. Neither Sheryl J. Moore, nor Moore MarketIntelligence sell or endorse any financial services products.
Dawn Mortimer, MBA, PMP, FCLA
Assistant Vice President, IoT/Telematics Claims Product Management
Verisk Insurance Solutions
Dawn Mortimer is the assistant vice president of IoT/Telematics Claims Product Management at Verisk Insurance Solutions/ISO. Before that, Dawn was with Guidewire Software as the market strategy director for data and analytics; she was innovation director at American Family Insurance. Dawn's background of insurance for the past 29 years has been to serve the industry in many capacities, such as strategy, marketing, I/S, claims, agency, and product lines. She is responsible for leading the claims efforts around IoT/Telematics with suppliers and insurance companies to develop new products, services, and business opportunities.
Dawn has her master's degree in business administration. She is also a Project Management Professional with the Project Management Institute, is a certified Usability Specialist with Human Factors International, has a certification in Alliance Management from the Association of Strategic Alliance Professionals, and has her Fraud Claim Law Associate designation from American Educational Institute (AEI). Dawn's experience with project management, technology, usability, and market development is critical to working with partners to leverage the Internet of Things for the future.
Root Cause Consulting LLC
Manny Munson-Regala is the principal at Root Cause Consulting LLC, a policy/regulatory-consulting firm. His previous experience includes serving as an executive leader, regulatory and legislative advocate, and compliance manager or as an appointed regulator. He has worked for large and small private companies including several insurers, a benefit management firm and a medical cannabis manufacturer. He also served as Deputy Commissioner and Acting Commissioner for the Minnesota Department of Commerce, Assistant Commissioner for the Minnesota Department of Health and Deputy Exchange Director with Minnesota Management and Budget.
During his last time in public service, he was assigned the task of negotiating and implementing Minnesota's medical cannabis system. A few months later, one of the registered manufacturers asked him to lead them as their CEO. Since then, in addition to traditional compliance and legislative work, he has worked with states on medical cannabis laws and regulations and private companies interested in entering the medical cannabis market.
He earned his Bachelor of Arts degree and Juris Doctor from the University of Wisconsin-Madison.
Anne Marie Naricini
Anne Marie is the regulatory consultant for the Insurance Compact. She provides support to the Product Standards Committee during its consideration of new or updated Uniform Standards by researching and reporting on areas of concern and conducting outreach to member regulators and interested parties to enhance input and participation in the uniform standards development process. Based upon feedback received, she prepares recommendations for the Committee's consideration. Prior to joining the Insurance Compact in February of 2014, for more than 25 years, Anne Marie served in various investigative and managerial positions within the Office of Consumer Protection at the New Jersey Department of Banking and Insurance. Anne Marie established New Jersey's Market Analysis Unit and prior to leaving the Department she was Chief of Market Regulation. Throughout her tenure with the New Jersey Department, Anne Marie was active in NAIC market regulation and producer licensing task forces and working groups, including several years serving as Chair for the Market Actions Working Group and Producer Licensing Working Group. Anne Marie graduated with a Bachelor of Science from The College of New Jersey, obtained several insurance designations including Chartered Property and Casualty Underwriter (CPCU), Certified Insurance Examiner (CIE) and Market Conduct Manager (MCM). She is an active member of the Association of Insurance Compliance Professionals (AICP) and the Insurance Regulatory Examiners Society (IRES).
Director of the Market Regulation Division and Chief Industry Liaison
Missouri Department of Insurance
The Director of the Market Regulation Division and Chief Industry Liaison, Angela Nelson has been with the Missouri Department of Insurance since 2002.
As Market Regulation Division Director, Angela ensures the Department's core mission of consumer protection is fulfilled through the regulatory compliance functions of the Division. The Market Regulation Division reviews insurance policies and rates for compliance with Missouri insurance laws; examines the records of insurance companies to ensure fair treatment of policyholders and compliance with Missouri insurance laws. In addition, the Division's Statistics Section tracks industry trends and generates a number of annual reports about the Missouri insurance market.
Before leading the Market Regulation Division, Angela was the Director of the Consumer Affairs Division. In that position, she led the Department's recovery efforts on behalf of victims of the May 22 Joplin tornado. Through the efforts of her Division, Missouri consumers recovered an additional $19.2 million dollars in 2011, which is still a record amount for the Department. Angela received the Graduate College Award in 2012 from William Woods University, in recognition of her efforts on behalf of Missouri insurance consumers.
Angela is active within the National Association of Insurance Commissioners (NAIC), serving on a number of committees and task forces. She currently serves as Chair of the Transparency and Readability Working Group (C Committee), the Consumer Information Subgroup (B Committee) and the Consumer Outreach and Assistance Post-Disaster Subgroup (C Committee).
Angela graduated summa cum laude with a Bachelor of Science (BS) in Management and earned an MBA from William Woods University. She has also earned the Market Conduct Management (MCM) designation through the Insurance Regulatory Examiners Society (IRES).
Assistant Vice President
MassMutual US Compliance
In his 30 year career in the financial services industry, Ted has been an insurance agent, a registered representative, a regulator and a home office compliance officer.
At MassMutual, his responsibilities include reviewing advertising for new distribution channels and target markets; refining advertising review procedures to increase efficiency and consistency; and serving as industry and regulatory liaison on advertising-related matters.
Also at MassMutual, Ted has been responsible for training and communications for field and home office personnel about compliance and supervision requirements, and inspections of MassMutual agencies to review their supervision and compliance policies.
Prior to joining MassMutual in January 1998, Ted was a Supervisor in the NASD's Advertising Regulation Department, where he supervised a team of analysts who reviewed advertising submitted by NASD member firms.
Ted graduated from Duke University in 1984 with a double major in Political Science and Psychology.
Ted lives in West Hartford, Connecticut with his wife Ronni and their two children – 22 year-old Katie and 19 year-old Sam, plus Scarlett, a 14-year-old bearded collie.
Virginia Bureau of Insurance
Rebecca Nichols joined the Bureau of Insurance in 1985 in the Rates and Forms Section of the Property and Casualty Division. She has held several increasingly responsible positions including, most recently chief insurance market examiner. Rebecca has participated in several leadership and management programs and has been involved in a number of NAIC working groups and initiatives.
Commissioner of Insurance
State of Wisconsin
Governor Scott Walker appointed Ted Nickel as Commissioner of Insurance for the state of Wisconsin on January 3, 2011.
In addition to supervising OCI staff and serving as the chief regulator of insurance, Commissioner Nickel serves as the final adjudicator of all administrative actions; vice co-chairs the Governor's Financial Literacy Council; supervises the Injured Patients and Families Compensation Fund, Local Government Property Insurance Fund, and State Life Insurance Fund; and serves on the Wisconsin Retirement Board.
The Commissioner currently serves as President of the National Association of Insurance Commissioners (NAIC). He currently serves on the Executive (EX) Committee, Cybersecurity (EX) Task Force, Government Relations (EX) Leadership Council, International Insurance Relations (EX) Leadership Group, and the Internal Administration (EX1) Subcommittee. He is a member of the NAIC American Indian and Alaska Native Liaison Committee and serves on several other NAIC task forces and committees. In addition, he chairs the Mortgage Guaranty Insurance (E) Working Group.
Commissioner Nickel is also a member of the International Association of Insurance Supervisors (IAIS). He is a member of the Executive Committee, Audit and Risk Committee and Chairs the Site Selection Committee.
In August 2014, the Commissioner was appointed to the Federal Advisory Committee on Insurance which serves as an advisory committee to the Federal Insurance Office.
Commissioner Nickel earned his Bachelor of Science Degree in Business Administration with a concentration in finance from Valparaiso University.
Pam O'Connell – Division Chief
Market Conduct Division
California Department of Insurance
Pam O'Connell has 25 years of regulatory experience with the California Department of Insurance (CDI). She currently manages the CDI's Market Conduct Division, and is responsible for a team of approximately 45 examiners and analysts that monitor the California insurance market and examine insurance company claim-handling and rating and underwriting practices. Prior to joining the management team in 2002, she spent 10 years as a CDI market conduct examiner herself, reviewing company practices in all lines of insurance. Pam has been a frequent speaker on market conduct topics at events held by AICP and IRES, and is active on various NAIC working groups in the area of market regulation.
Insurance Manager– Life, Annuity & Long-Term Care Policy Forms
Louisiana Department of Insurance
Beth earned her Juris Doctor, magna cum laude from Southern University Law Center in 2016. Beth has been with the Louisiana Department of Insurance since 1998 and has worked in both the Health and Life policy forms sections. She is currently the Insurance Manager over life, annuity and long-term care policy forms.
Rhode Island Insurance Division
Paula Pallozzi is an Associate Director at the Rhode Island Insurance Division. She graduated, cum laude, from the University of RI where she majored in Accounting. Paula's commitment to public service and insurance regulation span over 3 decades.
In 2014, Paula earned the NAIC SPIR Designation, the highest professional designation awarded to insurance regulators. Paula is responsible for the oversight of the consumer services and compliance unit and policy forms and rate review section within the Insurance Division. She assists in the drafting of legislation, testifies at legislative hearings, and serves as the Department's designee on the RI Automobile Service Plan, RI Joint Reinsurance Association, RI State Hazard Mitigation Committee, RI Flood Audit Task Force, Underground Economy and Employee Misclassification Task Force, Workers' Compensation Advisory Council, and the Workers' Compensation Appeals Board.
On a national level, Paula is active on various NAIC committees, task forces and working groups. She is Chair of the NAIC Catastrophe Response (C) WG, and is the NE Zone Advisory Board member of the NAIC's Insurance Regulator Professional Designation Program. She also serves on the IRES Board of Directors. She formerly served as Chair of the NAIC Post-Catastrophe Regulatory Guidance Subgroup and Chair of the Data Template Collection "C" Subgroup (recently disbanded) and was Vice-Chair of the NAIC Workers Compensation (C) Task Force.
Paula is married with 2 adult children.
Vice President of Corporate Compliance-Market Regulation
Chris has been in the insurance industry for 30 years and has extensive regulatory and compliance experience. In her current role as Vice President of Corporate Compliance – Market Regulation at Travelers, Chris oversees external market regulatory activities, consumer complaint handling and implementation of new laws and regulations on an enterprise level.
Prior to joining Travelers, she performed various regulatory compliance and state filing managerial roles with Royal & SunAlliance, Aetna and General Reinsurance.
Chris is a member of the Inland Marine Underwriter's Association (IMUA) Legislative and Regulatory Affairs Committee. She is also a member of the Insurance Regulatory Examiners Society Foundation Board and is the Vice Chair of AIA's Compliance Committee. In 2013, Chris earned the Insurance Regulatory Examiner Society (IRES) Advanced Market Conduct Management (AMCM) Professional designation.
Assistant Vice President
Laura Panesso has been with ISO for 19 years holding various positions of increasing responsibility in data management and analysis, analytic product management, and government relations. In her current position as Assistant Vice President - State Relations, Laura is responsible for all insurance department interactions including filings, education, outreach, and relationship management, provides leadership in the regulatory acceptance of Risk Analyzer, telematics, and other advanced analytics to facilitate customer adoption and use, and manages ISO's statistical agent functions. She received her Bachelor of Science degree in Applied Mathematics and a Master of Arts in History of Technology, Environment and Medicine from N.J.I.T., and obtained the CPCU designation in 2015.
Producer Licensing & Oversight Compliance Supervisor
Washington State Office of the Insurance Commissioner
Vice President, Insurance Regulation
American Council of Life Insurers (ACLI)
Rod Perkins is currently Vice President of Insurance Regulation with the American Council of Life Insurers (ACLI).
The American Council of Life Insurers (ACLI) is a Washington, D.C.-based trade association with approximately 290 member companies operating in the United States and abroad. ACLI advocates in state, federal, and international forums for public policy that supports the industry marketplace and the 75 million American families that rely on life insurers' products for financial and retirement security. ACLI members offer life insurance, annuities, retirement plans, long-term care and disability income insurance, and reinsurance, representing 94 percent of industry assets, 93 percent of life insurance premiums, and 97 percent of annuity considerations in the United States.
In his current role, Rod is responsible for leading the Long-Term Care Insurance and Annuities products for the ACLI. Rod is engaged on Group Product issues, and staffs ACLI's Group Insurance Executive Council. Rod also leads product filing issues for the ACLI, which includes addressing specific product filing issues in the states, as well as interfacing with the Interstate Insurance Product Regulation Commission (IIPRC). In this role, Rod serves on the Industry Advisory Committee of the IIPRC's Product Standards Committee.
Prior to joining the ACLI Rod spent 17 years leading Compliance, Audit, and Government Relations functions with Genworth Financial. This included serving as Genworth's Chief Compliance Auditor, the Chief Compliance Officer for Genworth's Long Term Care Insurance business, and as Vice President of Government Relations.
Rod began his career with The Prudential. His roles at Prudential included Tax Accountant, Human Resources Manager, Real Estate Auditor, Compliance Manager, and Internal Control Officer for Prudential's Annuity Operations. Rod received his undergraduate degree from the College of William and Mary and an MBA in Finance from New York University's Stern School of business.
Director, Compliance for Contracts & Legislative Services in the Life and Long Term Care Division
Karren Phair-Harvey has over 24 years' experience in the life insurance industry, specializing primarily in compliance issues since 1998.
Since Karren's Compliance experience began, she has served John Hancock as an active participating manager of business and compliance teams including, Replacements, Titles, Tax and Billing, and Income. In 2004, she was promoted to Senior Compliance Officer, dealing with Company Audits, Market Conduct Examinations, Broker/Dealer examinations and Consumer Complaints, solidifying her already diverse experience. Today, as Director, Compliance for Contracts & Legislative Services in the Life and Long Term Care division, Karren manages a busy team of compliance professionals, who handle a multitude of projects with a key focus on Life Product filings.
Karren graduated from Ryerson University with a Bachelor of Business Management degree (BBM) and holds ACP, ACS and Series 6 designations. Karren is very active with various charities and has served in various board positions of community organizations, including Vice Chair and Treasurer of Community Not for Profit Organizations. Karren is married to her husband Paul, and they are empty nesters, with 3 grown children.
Director – Insurance Compliance
Farm Bureau Financial Services
Shawna has been with Farm Bureau Financial Services for 27 years and is currently Director – Insurance Compliance. Her team of expert compliance professionals handles all aspects of insurance compliance including product filings (state and SEC), market conduct, anti-money laundering, legislative and regulatory monitoring and 38a-1 compliance.
Shawna has actively participated in the AICP for many years, serving on too many committees to list! She has held chapter leadership positions including President/Past President, Vice President and Secretary. She has held national leadership positions including Heartland Chapter Regional Director and National Secretary.
Shawna is a graduate of Upper Iowa University. A lifelong resident of Iowa, she lives with her husband, Joseph, and cat, Roxie, in Urbandale, Iowa, a suburb of Des Moines. They are empty-nesters who are extremely proud of their three grown children: Rhonda, Aaron (wife, Zoe) and Rebecca.
Kristine serves as General Counsel for both Senior Health Insurance Company of Pennsylvania and Fuzion Analytics. Kristine's focus is on corporate governance, regulatory compliance, market conduct and litigation issues. Kristine's prior experience includes roles as Vice President of all General Liability field claims offices at Travelers, and Vice President and Professional Liability Claims Counsel at XL Catlin. Kristine was most recently Vice President and Underwriting Counsel for a start-up professional liability carrier based in the Midwest. Throughout her carrier, Kristine has developed and implemented claims best practices for claims divisions, overseen third party administrators and ensured compliance by outside counsel with corporate litigation guidelines. In addition, Kristine has served as underwriting counsel to business units for policy drafting and interpretation. Kristine earned her undergraduate degree in Communications from the University of Pennsylvania and her law degree from DePaul University.
Laura Cali Robison
Oregon Insurance Commissioner
Laura Cali Robison became Oregon insurance commissioner on July 15, 2013. The division hired Laura in mid-2011 as a casualty actuary specializing in workers' compensation and medical malpractice. She previously worked as a consulting actuary for Towers Watson in San Francisco, overseeing projects for self-insured companies, public entities, and insurers. She started her career at Liberty Mutual's home office in Boston, building rating models for workers' compensation and general liability lines of business.
While her area of expertise is in property and casualty insurance, Laura became heavily involved in health insurance issues in 2012 as chief actuary and manager of the division's Product Regulation section. In that position and as commissioner, she has led the division's efforts to implement the Affordable Care Act.
In January 2016, Laura became of the administrator of the Division of Financial Regulation, overseeing the regulation of Oregon's insurance, banking, credit union, securities, and consumer finance industries. The division has an annual budget of $40 million and a staff of 170. The division is part of the Department of Consumer and Business Services, Oregon's largest consumer protection and business regulatory agency.
Laura grew up in Sonoma, Calif., and received her Bachelor of Arts degree in mathematics and economics from Boston University. She is a Fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries
Sonja A. Rodebaugh
Vice President and Director of Compliance
Martin & Company
Sonja joined Martin & Company in 2006 and is the Vice President and Director of Compliance. She began her insurance career in 1985 on the Property and Casualty Underwriting side of the industry and transitioned to Compliance in 1992. Responsibilities throughout her career have included: successfully developing, establishing, and overseeing Compliance and State Filing Departments; working closely with Managing General Agents and Companies to develop new/revised products; program & product development; state rate, rule and form filings; bureau circular monitoring; developing and implementing internal procedures; overseeing various licensing responsibilities; as well as performing system and underwriting audits. In addition, Sonja has been very involved in coordinating the Compliance and Underwriting aspects of insurance requirements in various policy issuance and rating systems.
Current member of Association of Insurance Compliance Professionals (AICP), Target Markets Program Administrators Association (TMPAA), and American Association of Managing General Agents (AAMGA). She has been a panel speaker at various Conferences including AICP and TMPAA.
Product Specialist II
Alex interned at the NAIC starting in December of 2013 and joined the team full time in April 2014 as a Product Specialist. He works with both the states and industry, implementing and training on the SERFF application. He enjoys working directly with the customers on a day to day basis and problem solving. In his free time he is a "techy", he likes to go to the gym and Chiefs football games. Alex has been a member of the AICP since 2013.
Alex has a Bachelor's of Business Administration degree with an emphasis in Marketing and Entrepreneurship from the University of Missouri – Kansas City.
Symetra Life Insurance Company
Lisa Ross is a seasoned project manager who has experience leading project teams to address compliance changes within the credit card, dental insurance and financial insurance industries. She brings a wealth of professional and educational experience including a BS in Industrial and Systems Engineering, an MBA, a certificate in Project Management from UW and holds a PMP certification from the PMI. She started her project career as a Business Systems Analyst and emphasizes understanding the business perspective of changes as the cornerstone of building project requirements. Her most recent compliance program was responsible for responding to the Department of Labor Fiduciary Rule, which has been considered a major disruptor to the financial industry.
Drinker Biddle & Reath
Stephen Serfass is a partner with Drinker Biddle & Reath, where he is a member of the Insurance Department. Steve has been the leader of the firm's Long Term Care Insurance Team since 2003. Steve serves long term care insurers on a wide range of issues including class actions and individual litigation, regulatory compliance – concerning information privacy and security issues and beyond, acting as counsel overseeing claims audits, reviewing proposed claim denials, and related claims issues, policy drafting, fraud prevention, rate increase counseling, and other matters. Steve also currently serves as acting general counsel for three LTCi community members. Beyond his work in LTCi, Steve also has a depth of experience representing insurers on life insurance issues as well as environmental insurance issues. Before joining Drinker Biddle Steve worked in-house for nearly three years for an environmental insurer. He graduated from Penn State University with a B.S. and received his juris doctor degree from Rutgers University School of Law, where he was a member of the Rutgers Law Review. He lives in suburban Philadelphia with his wife and five children.
Kevin Shaw, ASA, MAAA has provided actuarial consulting services with a focus on life and annuity products for 11 years. He spent four years with Deloitte Consulting as an actuarial specialist supporting audit work while also focusing on actuarial modeling and engaging in actuarial transformation efforts. Kevin enhanced his actuarial modeling capabilities during his four years at Actuarial Resources Corporation supporting the development of Prophet financial projection software and completing system conversion projects for several clients. In his current role with Milliman, Kevin has been involved with life and annuity pricing, reserving, model governance and model stewardship practices. He has recently reconciled MG-ALFA financial projections with proprietary client indexed universal life illustration tools through parallel testing.
Patrick G. Schmid, PhD
Assistant Vice President, Enterprise Research Department
Patrick G. Schmid, PhD is an economist and the Assistant Vice President of Enterprise Research for The Institutes—a risk management and insurance knowledge group. As the head of The Institutes' Enterprise Research department, he leads teams that develop market insights and analytical research. He is also leading The Institutes' blockchain-related efforts, which includes oversight of The Institutes blockchain working groups. These groups are comprised of thirty-two member companies aiming to develop blockchain-based insurance solutions.
Dr. Schmid formerly served as the Director of Research for the Insurance Research Council (IRC), a division of The Institutes. He has a MA and a PhD in economics from Temple University. He has taught economics and finance at a number of Philadelphia-area colleges and universities. Prior to working in the insurance industry, he worked as an economist for Moody's Analytics.
R. Brian Seibert
DLA Piper LLP (US)
R. Brian Seibert is a commercial litigator and part of the Insurance and Reinsurance team at DLA Piper. Brian focuses his practice on counseling and representing insurers, reinsurers, and state insurance departments in connection with a wide range of matters, including the litigation and arbitration of complex and high-exposure claims, regulatory compliance, and policy drafting. He has represented insurers in mediations, arbitrations and litigations in state and federal courts throughout the country relating to various types of insurance coverage, including first-party property, commercial general liability and excess liability policies, as well as bad faith litigation. Brian has also represented reinsurers in domestic and international arbitration proceedings, including matters involving first-party and third-party property damage claims, property catastrophe excess of loss reinsurance, and recission.
Senior Policy and Rate Analyst, Life and Health Division
North Carolina Department of Insurance
Cara has been with the Life and Health Division of the North Carolina Department of Insurance for 24 years. She is primarily responsible for reviewing life and annuity filings as well as credit insurance. She graduated from the University of Notre Dame (Go Irish!) and initially worked for Aetna Life Insurance Company in Hartford, CT. She lives in Erwin, NC with her husband Patrick and their two daughters, Julia and Diana.
American Association of Insurance Services (AAIS)
Phillip Skaggs is Assistant Counsel at the American Association of Insurance Services (AAIS), where he aids in the research and development of standardized property and casualty insurance products and advises the company on various legal and compliance matters. Phil is the lead analyst for AAIS' marijuana insurance initiative, which is tasked with evaluating how insurance producers can best respond to the complex risks of the legalized cannabis industry and regulatory climate. Prior to joining AAIS Phil worked as an insurance coverage and litigation attorney in downtown Chicago, Illinois. He received his J.D. from Chicago-Kent College of Law and his B.A. from Virginia Polytechnic Institute and State University (Virginia Tech).
Assistant Vice President – Government Relations
Insurance Services Offices, Inc.
Mark Smith is Assistant Vice President – Government Relations at Insurance Services Offices, Inc. (ISO). ISO, a member of the Verisk Insurance Solutions group at Verisk Analytics, is a premier source of information, products and services related to property and liability risk.
Mark is responsible for interface with regulators and legislators on issues impacting Verisk products and services in all 50 states and four US territories.
His responsibilities also include managing review and distribution of regulation and legislation with potential impact on ISO and other Verisk entities', interaction with industry trades and other stakeholders, and conducting research on emerging issues and industry trends.
Mark, a Chartered Property Casualty Underwriter since 1991, has served the insurance industry for 36 years in a variety of positions.
Cara St. Martin
Senior Compliance Director and Chief Compliance Officer of the Separate Accounts
Allianz Life Insurance
Cara St. Martin is a Senior Compliance Director and Chief Compliance Officer of the Separate Accounts for Allianz Life Insurance. She is currently responsible for all regulatory exams, complaints, Separate Account Compliance, UCP compliance, legislation, testing and ensuring compliance is integrated into the business. Cara has over 25 years of experience in the financial services industry, including over 20 years of concentration in compliance. A graduate of the University of Minnesota, Cara has a Bachelor's degree in Education with a Certificate in Training and Development and a Master's degree in Education as well as a Series 7.
Director of Property & Casualty Product Review
Florida Office of Insurance Regulation
As the Director of the Property & Casualty Product Review for the Florida Office of Insurance Regulation (Office), Ms. Starnes has oversight responsibility for the approval of property and casualty insurance policy forms and rates through the supervision of contract and actuarial staff.
She began her career with the Office in 1996 as an actuarial analyst in the workers' compensation area, and was then promoted to the senior actuarial analyst position in commercial insurance lines. She left the Office in 2002 to work for the National Council on Compensation Insurance (NCCI) as an actuarial consultant, but returned to work for the Office in 2007. Most recently, she held the position of Deputy Director of Property & Casualty Product Review.
Ms. Starnes received a Bachelor of Science in Mathematics from Florida State University.
The Compliance Team
Laura has been with the Compliance Team out of the Tampa office for three years. Prior to coming to Milliman she worked for an insurance carrier for five years as a Senior Underwriter. Laura specializes in life insurance and New York compliance issues. Laura has a B.A. in business and nutrition from Penn State University.
Locke Lord LLP
Elizabeth Tosaris has more than 25 years of experience assisting insurers on a broad range of insurance regulatory issues. She has been ranked in Chambers Insurance for California since 2015, and regularly serves as counsel on applications for mergers and acquisitions, licenses and holding company filings, advises clients on achieving compliance with insurance statutes and regulations, obtaining approval of rate and product filings, implementing claims and underwriting procedures, and developing marketing strategies. Elizabeth has particular experience in responding to market conduct examinations, including resolving issues arising out of those exams.
Chief, Field Rating and Underwriting Bureau
California Department of Insurance
Andrea Toth serves as the Field Rating and Underwriting Bureau Chief in the Market Conduct Division of the California Department of Insurance (CDI). She joined the CDI in 2001 as an Insurance Rate Analyst where she traveled to insurance company offices across the country to examine the rating, underwriting, and sales practices of insurers doing business in California. As Bureau Chief, Andrea is responsible for managing and directing the work of field staff engaged in conducting examinations of the rating and underwriting practices of all insurers licensed in the state of California. Andrea is a member of the Commissioner's Senior Issues Working Group and lends her perspective and expertise to the legislative process regarding market conduct and consumer impact.
Andrea received the MCM designation from the Insurance Regulatory Examiners Society and is a graduate of Pepperdine University.
Insurance Regulator, R&F Analyst
Oregon Department of Consumer & Business Services, Division of Financial Regulation, Product Regulation Section
Jan Vitus has been involved in the business of insurance for over 40 years, the last 20 years as an insurance regulator for the state of Oregon. Jan is the senior Rates and Forms analyst for all things Property & Casualty (basically anything not Life, Annuities, or Health). She is also the R&F analyst for Stop Loss, Provider Excess, Mortgage, Title Insurance, and for wrap-ups (ORS 737.602). Jan reviews all rating organization (bureau) form filings for the department, and is one of three analysts who review service contracts and vehicle protection product warranties. Jan also reviews miscellaneous health (non-ACA) filings for Oregon.
As an active regulator member of AICP since 2002, Jan has participated in conference planning, is a member of the Education Committee, writes articles for The Journal, and is a member of the Government & Industry Relations Committee.
Filers wishing to discuss new and innovative P/C products prior to making a filing in SERFF, or anyone with other product questions, may contact Jan at (503) 947 7278, or via email at email@example.com
Deputy Commissioner for Property & Casualty
North Carolina Department of Insurance
Sara Waitt is the Deputy Commissioner for Property & Casualty at the North Carolina Department of Insurance. She joined the North Carolina Department in March after previously serving as the General Counsel at the Texas Department of Insurance. In 2016, Sara moved from Texas to North Carolina to join her husband, who is the Director of the North Carolina Botanical Garden at the University of North Carolina.
Sara began her career managing insurer receiverships in the Liquidation Division of the Texas Department of Insurance. She moved from insurer receivership to insurer rehabilitation. After a stint representing a Special Deputy Receiver, Sara returned to the Texas Department of Insurance as Chief of Financial Counsel of the Legal Division. In that role, she represented the Financial Division on all matters including licensing, redomestications, mergers and then completing the circle back to liquidations. In 1999, Sara became the head of the Legal Division and then General Counsel.
In her prior role at the Texas Department of Insurance, Sara's work touched on every aspect of insurance regulation. In her current role, she works on the detailed issues of property and casualty regulation. Sara still learns something new every day, particularly about North Carolina ratemaking. It is that challenge that is behind her defiant mantra of 'Insurance is not boring.'
Senior Management Analyst II
Florida Office of Insurance Regulation
Mr. Walker is a Senior Management Analyst II for the Office of Insurance Regulation's Division of Life & Health Product Review. He supervises the Life Forms Section and is responsible for assuring life, annuity and viatical settlement contract forms comply with Florida regulations before they can be offered for sale in the state.
He came to work for the Office as an Insurance Analyst in 1996. Prior to that, Jim spent 12 years in the insurance industry in a variety of positions, ranging from independent life insurance agent to agency and company branch management.
Jim graduated from Chapman University in Orange, California with a Bachelors of Arts degree in Communication and holds both Chartered Life Underwriter and Certified Public Manager designations.
Robin Smith Wescott
Vice President, General Counsel
Robin Smith Westcott is the Vice President, General Counsel for AAIS, a national advisory and statistical organization providing standardized policy forms and rate filings on behalf of more than 700 property and casualty companies. Robin began her career with the Florida Department of Insurance as a staff attorney with the Division of Rehabilitation and Liquidation in 1993. During her career with the Florida DOI and later the Florida Office of Insurance Regulation, she served in various regulatory roles including Assistant General Counsel, Director of Financial Oversight for P&C, and Acting Deputy Commissioner for P&C. Robin was appointed as the Florida Insurance Consumer Advocate in 2011 by Chief Financial Officer Jeff Atwater and served in this capacity until leaving to join AAIS in November 2013. She has served on the Florida Surplus Lines Board, Florida Workers Compensation JUA Board, Workers Compensation Guaranty Association Board, Citizens Property Insurance Corporation Consumer Committee, Commission on Hurricane Loss Projection Methodology and currently serves on the Florida Storm Center Advisory Council. Robin received her Bachelor of Science from Florida State University and her Juris Doctor from the Florida State University College of Law.
Product Specialist I
Brittany started out as an intern for the NAIC Service Desk in 2013, and accepted a full-time position as a Customer Support Analyst in 2015. She recently joined the SERFF Marketing team in February of 2016, and enjoys working with both state and industry SERFFers. Brittany assists with implementations, training, and problem solving. She has been a member of AICP since 2016 and loves attending events to spread the SERFF word! In her free time, Brittany enjoys powerlifting and pokéhunting.
Brittany is working on her Bachelor of Arts in English at the University of Missouri Kansas City.
Idaho Department of Insurance
Cherie is a native Idahoan. She graduated from Borah High School and then earned a bachelors' degree from ORU in Tulsa, Oklahoma. Cherie has worked for the Idaho Department of Insurance since 1999. During that time she worked three years in the administrative/legal area. In February of 2002, she began working in the Licensing Section. After thirteen years in Licensing, she transferred to the Rates & Forms section in 2015.
General Counsel and Chief Operating Officer
Regulatory Insurance Advisors, LLC (RIA)
Pieter is the General Counsel & Chief Operating Officer for Regulatory Insurance Advisors, LLC ("RIA"). Pieter provides regulatory services for state and federal regulators, regulatory consulting for insurers, and oversees operations of RIA. RIA's primary goal is to enhance existing capabilities of insurance regulators and to promote balanced regulation of the industry. Pieter's prior experience includes 14 years as Senior Regulatory Counsel for Unum Group and being a litigation attorney in private practice.