Virginia Bureau of Insurance
Elsie Andy is the Manager of the Life and Health Forms and Rates section of the Virginia Bureau of Insurance. She has 39 years of experience in accident and sickness insurance in both the private and public sectors; the last 19 years have been in regulatory compliance specializing in all categories of individual health insurance. She holds the following professional designations: Health Insurance Associate (HIA), Disability Healthcare Professional (DHP), Disability Income Associate (DIA), and Long-Term Care Professional (LTCP). Elsie attended Virginia Commonwealth University.
Geoff Baker provides insurance regulatory compliance support to NAMIC's member companies through oversight and development of NAMIC's compliance-related offerings and products. In his role of NAMIC’s Director off Compliance, Geoff oversees existing and develops new compliance products and services; monitors, researches, and analyzes insurance regulations, laws, bulletins and notices affecting the property and casualty industry; drafts alerts and notices to member companies on compliance-related topics; researches and drafts compliance surveys of insurance laws and regulations; responds to legal and compliance questions from member company compliance personnel and NAMIC’s regional vice presidents; and develops webinars, articles and guidance on compliance-related topics. Prior joining NAMIC, Geoff spent over 16 years as a solo general counsel and chief compliance officer for a group of four life and property/casualty personal lines insurers based in Idaho, Oregon and California. He is a graduate of the College of William & Mary and the University of Idaho College of Law.
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.
Virginia Bureau of Insurance
Renee is a Senior Market Insurance Examiner in the Life and Health Division's Form and Rate Section. She began her insurance career in Producer Services with General Electric Capital Assurance Company, later to become Genworth Financial. While with Genworth, she worked in the Compliance Department performing agent investigations and later became an analyst in Product Development mostly filing individual universal life insurance products for approval. She moved over to health products when she began her career with the Virginia Bureau of Insurance. Currently, she splits her time reviewing a variety of individual accident and sickness products, including ACA forms, training newly hired examiners and as a resource to other examiners and staff in the Life and Health Division.
Renee is the mother of one amazing daughter, Abby, who is currently in training to become an Army helicopter pilot at Fort Rucker, Alabama.
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 represents MID on the Mississippi Autism Advisory Committee and the Early Intervention Task Force.
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.
State of Oregon Division of Financial Regulation
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.
Insurance Specialist, Locke Lord LLP, Los Angeles
Mr. Bottalico is currently an Insurance Specialist with Locke Lord LLP in Los Angeles. Mr. Bottalico recently retired from the California Department of Insurance after 38 years. He most recently served as Deputy Commissioner overseeing the Financial Surveillance Branch (FSB). FSB's primary responsibility is the on-going risk focused financial oversight of companies licensed to do business in California which includes analysis, examinations and actuarial, as well as the financial review and analysis of various corporate affairs applications. Mr. Bottalico also served on numerous NAIC Committees, Task Forces and Working Groups with recent emphasis on risk focused financial surveillance including Enterprise Risk Management and Corporate Governance issues. Mr. Bottalico also Chaired the NAIC Financial Examiners Handbook Technical Group. Prior to becoming Deputy Commissioner in 2011, Mr. Bottalico served as Chief Examiner since 2004. Mr. Bottalico is a Certified Public Accountant and a Certified Financial Examiner. Mr. Bottalico was elected to the Society of Financial Examiners Board of Governors in 2013 and also served as the California State Chairman. Mr. Bottalico joined the California Department in 1977 and earned his Bachelor of Arts degree in accounting from California State University, Fullerton.
Connecticut Insurance Department
George Bradner is the Connecticut Insurance Department's Property & Casualty Director. He oversees a division that regulates the rates and forms of more than 500 companies licensed to write property & casualty insurance in Connecticut.
He works closely with Commissioner Katherine Wade to coordinate and lead the Department's preparation, response and recovery operations during disasters, ensuring that consumers and the industry are provided with guidance on claims, licensing and others important resources. As one of the Department's key disaster response liaisons, Mr. Bradner serves on the Division of Emergency Management and Homeland Security (DEMHS) Advisory Council and the Cyber Security Council and is the Co-Chairman for the states Long Term Recovery Committee (FEMA Emergency Support Function-14). He was appointed by the Governor and the Deputy Commissioner of DEMHS to serve as the co-lead for the states Sandy Disaster Recovery initiatives.
An active participant in the National Association of Insurance Commissioners, Mr. Bradner currently sits on numerous working groups including Property & Casualty (C) Committee, the Catastrophe Insurance, Catastrophe Recovery (Serves as Co-Chair), and Climate Change working groups, the Cyber Security Task Force, Innovation & Technology (EX) task force, Big Data working groups, Terrorism Insurance Implementation working group, the Transparency and Readability of Consumer Information working group, Travel Insurance working group, and the Workers' Compensation task force.
Prior to joining the Department in 2003, Mr. Bradner worked for the Hartford Insurance Company where his broad-based career included extensive experience in Underwriting, Sales, and Operations. He is a graduate of Ithaca College in upstate New York.
Lorrie Brouse serves as the Deputy Commissioner and General Counsel for the State of Tennessee's Department of Commerce and Insurance. As General Counsel, she leads a group of 50 attorneys, legal professionals and support staff in providing a vast array of legal services for the varied divisions under the Agency's umbrella, including Insurance, Securities, Fire Prevention, Law Enforcement Training, Corrections, Consumer Affairs, Emergency Communications (E-911), Tenn Care Oversight, and Regulatory Boards, an ever growing and diverse group of regulatory boards ranging from cosmetology and barber to funeral homes, real estate and accountancy. In her role as Deputy Commissioner, Lorrie oversees the Insurance, Securities, and TennCare Oversight divisions. She reports directly to the Commissioner.
Prior to joining the Department of Commerce and Insurance, Lorrie was with Allstate Insurance, which at the time was the second largest property and casualty insurance company in the United States and one of the nation's top 25 life insurance companies for many years. Lorrie was a leading member of the Southern Region's executive management team as well as an active member of the company's legal division. She coordinated legislative and regulatory matters for Mississippi, Louisiana, Kentucky, Arkansas, and Tennessee and served in leadership positions on a variety of industry boards in those five states. During her time with Allstate, Lorrie was Chair of the Mississippi Windstorm Underwriting Association (MWUA) when Hurricane Katrina struck the Gulf Coast, and her efforts in both Louisiana and Mississippi with varied and diverse parties led to a number of sweeping legislative and regulatory reforms in the aftermath of dealing with such a catastrophe. She also chaired the Kentucky FAIR Plan, chaired the Insurance Institute of Kentucky, was Secretary-Treasurer of the Tennessee Guaranty Insurance Association and Chair of its Audit Committee, headed the reinsurance committee for both the MWUA and the Mississippi Residential Property Insurance Underwriting Association (MRPIUA), was a member of the Louisiana Property and Casualty Commission, the Arkansas Rural Risk Underwriting Association (ARRUA), the Arkansas Earthquake Authority, the Arkansas Emergency Response Task Force, and was a founding member of the Coalition to Insurance Louisiana and other related coalitions. While with Allstate, Lorrie also gained experience in Claims, Sales, Human Resources, Internal Security, and was also a Certified Fraud Examiner. In those roles, she worked in West Virginia, Pennsylvania, New Jersey, and California and had responsibilities for regions in the northeastern United States, from Virginia to Maine and Ohio, and in the West from Colorado and all states west, including Alaska and Hawaii.
Raised primarily in Michigan and West Virginia, Lorrie received both her undergraduate and J.D. from West Virginia University, and holds active licenses in both Tennessee and West Virginia. She has held a variety of leadership roles with her local churches in both California and Tennessee, and previously served as a board member and part of the executive council with the YWCA of Nashville and Middle Tennessee.
Lorrie resides in Franklin, Tennessee, and she and her husband, Richard, currently split their time between Tennessee and Louisiana.
Mississippi Insurance Department
David Browning currently serves as Director of the Financial & Market Regulation Division for Commissioner Mike Chaney of the Mississippi Insurance Department. He is a graduate of Delta State University with a Bachelor's in Business Administration. Since joining the MID in 2001, David has served in various positions within the Financial & Market Regulation Division. His current responsibilities with the MID include oversight of the financial solvency and market conduct functions in addition to assisting the Commissioner with the rehabilitation and liquidation of insurance companies. He is a member of the Association of Insurance Compliance Professionals, Insurance Regulatory Examiners Society, and Society of Financial Examiners of which he holds the Certified Financial Examiner (CFE) designation. This year he is serving as the Commissioner's designee on the National Association of Insurance Commissioner's Financial Regulation Standards and Accreditation Committee, Accounting Practices & Procedures Task Force, Examination Oversight Task Force and various other working groups.
As a paralegal in the American Association of Insurance Services (AAIS) legal team, Joanne Burns monitors legislation and proposed regulations countrywide impacting almost 30 AAIS programs. Prior to AAIS, Joanne managed regulatory compliance units at three different insurers. Joanne is an AICP Great Lake Chapter Past President, served on the AICP Board of Directors and was involved in planning a number of AICP annual conference. In 2001, she was honored to receive the AICP President's Award to recognize her work as the Annual Conference Chairperson.
State of Georgia Office Commissioner of Insurance
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.
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 with 2 sons, ages 21 and 25.
Locke Lord, LLP
Brian Casey, partner at Locke Lord LLP, serves as Co-Leader of Locke Lord's Regulatory and Transactional Insurance Practice Group, and is a member of the Firm's Corporate, Capital Markets and Health Care Practice Groups. Brian focuses on mergers and acquisitions, corporate and structured finance and other transactional and regulatory matters for clients in the insurance, financial services and health care industries. His clients include insurance companies, insurance holding companies, managing general agents and insurance agencies, third party and claims administrators, banks and other financial institutions, investment banks and reinsurance companies.
Brian earned his LL.M. in Taxation from Emory University School of Law and his J.D. from The Ohio State University Moritz College of Law. Brian has served on the Board of Directors, Life Insurance Direct Marketing Association (LIDMA) since 2006 and has been a Member of the Federation of Regulatory Counsel (FORC), State of Georgia, since 2001. He also is the current Secretary of the Georgia Bar Association – Business Law Section. Brian is a sought after speaker and well-published author on cyber security issues and privacy regulations, and electronic signature laws and transactions.
Westmont Associates, Inc.
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. 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.
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.
Latimer LeVay Fyock, LLC
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.
Susan is a Principal Consultant for Coulter and Associates, Inc. specializing in product development, compliance, and state filings. She has worked in the compliance field since 1977 when she joined The Hartford as a contract analyst. 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.
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.
Rebecca (Becky) Criswell is the Compliance Director and AML Officer for Americo Financial Life and Annuity Insurance Company, where she oversees the AML program, suitability program, complaint review, advertising review, and general regulatory matters. Becky has been employed with Americo since 2004. Becky received a BA from Nebraska Wesleyan University and an MBA from Baker University. She has a Certified Anti-Money Laundering Specialist designation (CAMS) and holds the following insurance designations: FLMI, FFSI, AIRC, AAPA.
Karen Crooks has been in the insurance industry for over 28 years. She has been in the compliance field for 21 of those years. She began her work in insurance in a local sales office of Metropolitan Life Insurance Company (MetLife) outside Cincinnati, OH. She then worked at a sales and regional office of MetLife in Nashville, TN. Eventually, she made her way back north to Midland National Insurance Company in Columbus, OH and then to Conseco, Inc. in Carmel, IN as the Life and Annuity Compliance Manager. She is currently the Director of Product Compliance for the insurance companies of OneAmerica in downtown Indianapolis.
Karen has served the AICP as Vice President, President, and Past President, as well as Regional Director for the Midwest Chapter, as well as serving in other chapter officer positions. She is currently a member of the Publications Committee and GIR Committee. She is also a member of the Life and Health Compliance Association.
Karen earned a B.S. in Science Education from the University of Cincinnati and completed graduate work at The Ohio State University in Columbus, OH.
Karen and her husband, Mark, are the proud parents of four grown children: Allison, Amy, Alec, and Evan, and now enjoy the title of "Gigi and Poppy" (aka, "Grandparents) to a wonderful 5-year old boy named Kelson. Away from the office, Karen enjoys spending time with her family as often as possible; she participates in local 5K runs/walks; she enjoys reading anything that is not insurance related; and, she loves to travel. She and her husband are planning their second mission trip to Cuba this November.
Philip R. "Duke" de Haas
Philip R. "Duke" de Haas currently is Director, Associate General Counsel, USA at Allianz Global Assistance, which is a travel and specialty insurance company headquartered in Richmond, Virginia. Prior to coming to AGA, Duke practiced law at the law firm Troutman Sanders LLP from 2011 to 2015, where he conducted a utilities and financial services regulatory practice, including before the Virginia State Corporation Commission. From 1997 to 2011, Duke worked in a variety of capacities at the Virginia State Corporation Commission, including 5 years serving as an attorney or General Counsel for the Virginia Bureau of Insurance. In that role, he was involved with enforcement actions, Affordable Care Act implementation, receiverships, and other life and health and property and casualty matters. Prior to coming to the Virginia State Corporation Commission, Duke was a prosecutor in a small town in Southside Virginia. Duke has a B.A. from the University of Virginia and a J.D. from George Washington University Law School.
IHC Carrier Solutions
Jan Dubauskas is Chief Operations Officer for IHC Carrier Solutions and General Counsel for the Specialty Health Division of IHC. In this role, she manages many of IHC's operations including third party administration, product development, legal and compliance. Focusing on the specialty health division, Jan's operational teams are aligned to provide full service product development services from ideation and compliance through to implementation, while collaborating with actuarial and marketing to provide superior results. As General Counsel, she is actively involved in health insurance matters, regularly meeting and working with federal and state agencies.
Prior to joining IHC, Ms. Dubauskas served as General Counsel and Secretary for Oxford Life Insurance Company. An affiliate of U-Haul International, Inc., Oxford Life Insurance Company specializes in the senior market offering whole life insurance, annuities and Medicare supplement products in 50 states. At Oxford Life, she managed its corporate, legal and compliance matters. Ms. Dubauskas began her legal career as Assistant General Counsel at U-Haul International, Inc. managing litigation for Oxford Life.
Ms. Dubauskas graduated from the University of Oregon with a Bachelor of Arts degree. She graduated from Sandra Day O'Connor College of Law at Arizona State University as a Pedrick Scholar. In addition, she achieved the Associate, Insurance Regulatory Compliance (AIRC) LOMA designation.
Ms. Dubauskas volunteers as Committee Chair for Boy Scout Troop 440.
Assurity Life Insurance Company
Amanda Dutton serves as Director & Chief Compliance Officer at Assurity Life Insurance Company. She also serves as Assurity's Anti-Money Laundering Officer and Privacy Officer. Amanda supports all operational areas with statutory and regulatory compliance efforts and advises the company on a variety of legal and compliance issues.
Amanda earned her B.S.B.A. degree with a major in Accounting from Creighton University, and her Juris Doctor degree from the University of Nebraska College of Law. Prior to Assurity, she worked for five years in private legal practice. She is active in the United Way. Amanda enjoys golfing, reading, podcasts, cycling, and spending time with her twin seven year old boys and four year old daughter.
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.
Guardian Life Insurance Company of America
Susan Eckler-Kerns is a currently a Senior State Filing 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 Task Forces, 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.
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.
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.
Ruben Gely Rodriguez
Commissioner of Insurance of Puerto Rico
Mr. Gely started his career in the Insurance Industry as an Agent in 1992. In 1994, he was appointed Executive Aide to the Commissioner at the Office of the Commissioner of Insurance of Puerto Rico (OCI) and in 2001 became an Examiner's Supervisor in charge of the Financial Analysis Unit at the Office. In 2006, Mr. Gely was appointed as Director for the International Insurers and Reinsurers Division, and in 2009 and 2013 Deputy Commissioner of Supervision and Compliance. In 2010 he was appointed as liaison with the Department of Economic Development of Puerto Rico. In that capacity, he has participated in Economic Missions of the Government of Puerto Rico to China, United Kingdom, Venezuela, Panama, Colombia, Spain and the United States. Currently, Mr. Gely serves the OCI as the Director of the International Insurers and Reinsurers Division.
Mr. Gely served as a professor of Finance and Insurance courses for the University of Puerto Rico and for the University Center of the East, Carolina Puerto Rico, where he developed an insurance degree curriculum.
Mr. Ruben Gely holds a Bachelor degree in Business Administration and Master Degree in Business Administration with concentration in Finance from the University of Puerto Rico. He was granted the Chartered Property and Casualty Underwriter (CPCU), the Accredited Adviser in Insurance (AAI) and the Associate in Risk Management (ARM) certifications by the American Institute for CPCU.
Iowa Insurance Division
Kay Fairchild Godfredsen became First Deputy Commissioner for the Iowa Insurance Division in August, 2017. Her responsibilities span the Division, with special emphasis on People, Strategy, Innovation, Market Regulation, and NAIC. The bulk of her career has been in the insurance industry and some time in banking. Most recently, she was an attorney with Nationwide for several years, where she provided counsel to a variety of business leaders throughout the entity and held a variety of roles in the Office of Chief Legal Officer. She co-chairs the Global Insurance Symposium, a prominent industry event held annually in Des Moines, Iowa, growing the event in reputation due to its continued high-quality content and renowned speakers as a private-public partnership. She continues to be a board member of the Iowa Insurance and Financial Services Education Foundation, previously leading in capacities of Chair and Treasurer. Godfredsen also previously served on the boards of the Iowa Insurance Institute, Insurance Federation of Minnesota, and on several Iowa State Bar Association Committees.
FL Office of Insurance Regulation
Mr. Gornto is a Senior Actuarial Analyst for the Florida Office of Insurance Regulation's Division of Life & Health Product Review. He is responsible for reviewing the actuarial material in life and health filings for compliance with Florida Regulations.
He began his career with the Office as a Research & Statistics Consultant in 2016 and has since been promoted to Senior Actuarial Analyst.
Mr. Gornto graduated from Florida State University in 2016 with a Bachelor of Science in Actuarial Science and is currently progressing towards Associateship with the Society of Actuaries.
Virginia Bureau of Insurance
Bob Grissom is Chief Insurance Market Examiner of the Virginia Bureau of Insurance's Life and Health Division. He began his career in insurance in 1982 with The Life Insurance Company of Virginia and has been employed with the insurance department in Virginia since 1984. His current responsibilities include overseeing the Market Conduct and Forms and Rates Sections; assisting in reviewing and drafting legislation, regulations and administrative letters; working with section supervisors to assure consistency in the application of insurance laws, regulations, and Bureau policies; assisting with responses to written inquiries and oral and written requests for information; and assisting with training of division staff.
Prior to employment with the State Corporation Commission's Bureau of Insurance, Bob worked as a teacher in the Richmond, Virginia public school system and as a Life and Health Insurance agent for The Life Insurance Company of Virginia. He is a graduate of the University of North Carolina at Wilmington, class of 1979.
He is happily married to the lovely Cindy Grissom and together they have 3 wonderful children, one lovely daughter-in-law, one great son-in-law, five wonderful grandchildren and three grand-dogs.
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:
- ALMI: Associate, Life Management Institute
- AFSI: Associate, Financial Services Institute
- AIRC: Associate, Insurance Regulatory Compliance
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.
National Insurance Crime Bureau
Alan Haskins is the Vice President of Government Affairs for the National Insurance Crime Bureau (NICB). Based in Chicago, IL headquarters, Mr. Haskins leads NICB's Government Affairs team and is responsible for overseeing and developing the organization's legislative and regulatory strategy at the state and federal level.
For the past 25 years Mr. Haskins has built a unique background working in government, public policy, regulatory and legislative advocacy. Mr. Haskins previously served as the Director of Government Affairs for NICB managing state government affairs activities for the Southeast, Southwest, Northeast and Northwest Regions.
Before joining NICB Mr. Haskins served as the Anti-Fraud Coordinator with the National Association of Insurance Commissioner (NAIC) responsible for coordinating all anti-fraud regulatory and legislative efforts on behalf of the state Departments of Insurance of the 50 states, U.S. Territories and the District of Columbia.
Mr. Haskins holds a Bachelor degree from Florida State University in Political Science and Criminology and holds the Certified Fraud Examiner and Certified Fraud Specialist designations. Mr. Haskins has served on numerous state and federal working groups and task forces including Co-Chairing the Insurance Sub-committee for the U.S. Department of Treasury, Bank Secrecy Act Advisory Group (BSAAG) and serving on the California Advisory Task Force on Insurance Fraud.
Mr. Haskins has testified and appeared before numerous state legislatures and regulatory bodies. Mr. Haskins is a noted speaker and presenter on insurance regulatory issues and insurance fraud related matters.
Perr & Knight
Thirty-eight years' experience in the property-casualty insurance industry with strong analytical and legal skills in all phases of product development, contracts, insurance department relations and other insurance regulatory matters. Transactional contract as well as regulatory compliance work in a heavily-regulated industry. Special expertise in:
- Policy interpretation on coverage issues
- Insurance contract analysis for legal sufficiency
- Drafting insurance documents and corporate transactional
- Regulatory compliance of operating units countrywide, admitted and non-admitted (surplus lines)
- Application of statutes and regulations in specific business situations
- Negotiation and analysis of reinsurance treaties
- Litigation management of matters, including class actions and environmental matters
Served in various roles at insurance companies including Director of Regulatory Affairs, Vice President, Associate General Counsel, Assistant Vice President, Senior Underwriting Specialist and Agency Underwriter. In these varying roles, have acted as counsel and consultant to business leaders and other attorneys regarding insurance regulatory matters
Responsibilities have included:
- Regulatory compliance
- Responsibility for regulatory filings
- Consultation on acceptable use of affinity programs with insurance products
- Determination of appropriate use of non-admitted paper and the applicable requirements
- Coordination of market conduct and financial reviews
- Management of relationships with regulators
- Review or drafting and negotiation of the insurance-specific agreements in addition to standard business agreements. Contract work includes review and drafting agency, MGU and broker agreements; claim, TPA and managed care agreements; reinsurance contracts (quota share, XOL, loss portfolio transfers); loan agreements; and LLC and JV formation agreements.
- Managed corporate reinsurance programs
- Participate in formulation of company policy on numerous business issues, including construction defect exposure, pollution exposure, lead liability exposure and other mass tort issues
- Consultant to Senior Underwriting and Claim Officers
- Provide legal counsel to all operating business units including personal and commercial underwriting units, claims, premium audit, loss control, marketing, and finance
- Developed customized coverage forms for the following lines of business all lines of Property and Casualty and Accident and Health
- Participated in formulation of company policy for underwriting and claim positions, marketing strategies, entry into new markets
- Conducted numerous training and educational seminars for all business units on various legal topics and the implications for the company operations
- Underwrote and marketed all lines of commercial insurance in the Metropolitan Baltimore-Washington area.
- Underwrote all personal lines of insurance in Western Pennsylvania and West Virginia territories
- Marketed and underwrote personal and small commercial accounts for agency
Morris, Manning & Martin, LLP
Joe Holahan is of counsel with Morris, Manning & Martin, LLP. Based in Washington, D.C., Mr. Holahan advises insurers, reinsurers, agencies, administrators, claims adjusters, affinity partners and other businesses on all aspects of insurance regulatory compliance, program and product development and contracting. His practice includes the regulatory and corporate aspects of company formation, licensing and operations, including the formation of captive insurers, mergers and acquisitions, corporate restructuring, assumption reinsurance, portfolio transfers and other transactions.
Roger Hofer has been with Midland National Life and North American Life and Health, both member companies of Sammons Financial Group since 1988. Roger started in the industry as a Life Underwriter Trainee and is currently the Director of Corporate Underwriting. Roger is an experienced life underwriter with 29-year history in production underwriting and underwriting leadership. Roger currently is the Director of Corporate Underwriting and works with contestable claims, vendor relation, company guideline development and implementation of strategic projects.
Tennessee Department of Commerce & Insurance
Brian Hoffmeister is a graduate of Florida International University. Brian has been employed by the Tennessee Department of Commerce and Insurance for over 35 years. Brian's initial responsibilities included the review of Life insurance filings which expanded to include Variable, Credit, Charitable Gift annuities and Life Settlement filings.
In April 2012, Brian took over leadership of the Policy Analysis Section. This section is comprised of the Life and Health, Property & Casualty and Workers' Compensation units, which are responsible for the review of all policy form, rule and rate filings in Tennessee.
Alabama Insurance Department
Yada Horace joined the Alabama Department of Insurance in 2006. She serves as an Insurance Rate Analyst and her primary focus is Life, Health and Annuity form filings and other issues involving ACA forms filings. She also reviews form filings for Credit Disability, Medicare Supplement, Hospital Indemnity, Long Term Care, Vehicle Service Contracts, Product Protection Plans and other lines of coverage.
Prior to joining the Alabama Department of Insurance, Yada worked at Coastal Insurance Risk Retention Group, LLC as an Insurance Underwriter performing underwriting task for hospitals, physicians, and allied healthcare professionals.
Yada earned her Bachelor of Science Degree in Commerce & Business Administration with a concentration in Consumer Industrial Marketing from the University of Alabama (Roll Tide!). She holds the designation of APIR (Associate Professional Insurance Regulator) and also received a Certificate as a Certified Public Manager from Alabama Training Institute, Auburn University Montgomery. Appointed by Commissioner Jim Ridling, Yada represents Alabama Department of Insurance on the Alabama Autism Advisory Committee and the Early Intervention Task Force.
Yada lives in Deatsville, Alabama, with her husband Frederick. They have two children Xavier and Megan.
Tennessee Department of Commerce & Insurance
Michael Humphreys was named the Department of Commerce and Insurance's Assistant Commissioner for Insurance in June 2014. He had previously served as the Insurance Division's Director of Insurance since April 2012.
Before joining the Department, he represented the National Conference of Insurance Legislators (NCOIL) in Washington, DC, as the organization's Director of State-Federal Relations. He first joined NCOIL in 2006 as a Director of Legislative Affairs & Education in the NCOIL National Office outside of Albany, NY.
Humphreys received his MPA from Bowling Green State University in 2005. He is a 2003 graduate of the University at Buffalo, where he received his B.A. in Political Science.
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 and Medical Malpractice rate and form filings. She also handles the review of General Liability, Surety, Fidelity and other lines of coverage.
Before arriving at the Insurance Department, Gina worked as a Premium Field Auditor and performed insurance audits and inspections for numerous carriers. She also worked for an Alabama domestic company as an Automobile Underwriter for over 10 years. She has worked in the insurance field for 32 years.
Gina earned her bachelor degree from Auburn University with a concentration in Business. 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 and have three children and 6 grandchildren.
North Carolina Department of Insurance
As the Property & Casualty Manager at the North Carolina Department of Insurance, Tim is charged with the operational responsibilities in the division's reviewing and approving of rate, rule, and policy form filings. Tim provides divisional guidance on policy and product issues affecting the department and General Assembly. He also maintains the SERFF filing system. Tim's experience is primarily on the industry side, most recently with Virginia Farm Bureau before joining the NCDOI. Tim holds a degree in Economics from the University of Maryland, College Park, and, numerous insurance industry designations.
Tennessee Department of Commerce & Insurance
Rachel Jrade-Rice joined the Tennessee Department of Commerce and Insurance as the Director of Insurance in February 2017. She is responsible for the Department's policy and legislative initiatives.
Prior to joining the Department, Rachel was an assistant attorney general with the Tennessee Attorney General's office. She has litigated before both the state and federal courts at all levels, including assisting in the preparation of a brief presented to the United States Supreme Court.
Rachel earned her J.D. in 2010 from Vanderbilt University and her B.A. in 2007 from Princeton University.
Consumer Information and Insurance Oversight (CCIIO)
Susan Kalmus is the Deputy Director for the Division of Issuer Compliance and Monitoring in the Marketplace Plan Management Group within the Center for Consumer Information and Insurance Oversight (CCIIO) at the Centers for Medicare & Medicaid Services (CMS). Prior to joining CCIIO, she worked for several health insurance carriers, and previously worked for the North Carolina Department of Insurance. She received her Master's in Public Administration (Health Administration) from the University of North Carolina. In her current role she manages Issuer oversight, monitoring and enforcement in the Federally-Facilitated Exchanges. This work includes Post-Certification assessment, issuer compliance reviews, Direct Enrollment Operational Readiness Reviews, Agent/Broker/Web-broker oversight and general compliance functions.
Kim Kennedy-Gillette is Vice President of the Regulatory and Market Conduct Teams for the Personal Insurance Division at Travelers. She is responsible for the management and oversight of all Personal Insurance Filings and all PI matters related to Market Regulation/Conduct. Prior to joining Travelers, Kim was with The Hartford for 24 years, where she held numerous positions in Underwriting; Sales; Compliance; Product and Regulatory. Kim was an active member of the Association of Insurance Compliance Professionals where she held several committee chair roles; New England Chapter roles and served as National Vice President, President and Past President of the organization. Kim was an active industry member with SERFF and served as Co-Chair of the NAIC SERFF Product Steering Committee. Additionally, she served on the NAIC SERFF Board of Directors. Kim lives in Vernon, Connecticut with her husband. She has two grown children and a puppy named Tucker. She enjoys shopping, camping, fishing and an occasional rock concert.
Merlinos & Asssociates, Inc
Karen Landrum is a consulting actuary with over 10 years of experience. She has been at the forefront of Merlinos & Associates' work developing rates for insurance company programs focused on the cannabis industry, as well as providing rate development and feasibility studies for entities looking to insure their cannabis-related exposures via alternative risk transfer mechanisms such as captive insurance companies. Ms. Landrum has extensive commercial insurance ratemaking and reserving experience for various lines of business, including commercial property, commercial auto, workers' compensation, and general liability. She is also one of the leaders of Merlinos' predictive analytics consulting practice.
Jason Lapham is the Lead Analyst in the Consumer Services Life and Health Section at the Colorado Division of Insurance where he spends his time supporting a team of consumer complaint analysts, manages complex complaint investigations, and provides technical assistance to Division staff involving life and health insurance issues. Jason joined the Colorado DOI in January 2016 after spending the previous ten years at the Kansas Insurance Department. During his tenure with the KID, Jason served in a variety of roles including consumer complaint investigator, life and annuity policy examiner, and Director of Producer Licensing and Market Regulation.
Jason is interested in issues related to life and annuity products and product development, leading to his active participation in the IIPRC Product Standards Committee (PSC) over the last few years, serving as its Chair in 2015. He now represents Colorado on the PSC. He was a member of the NAIC Contingent Deferred Annuity Working Group from 2012-15 and now serves on the NAIC Promoting Appropriate Sales Practices in Life Insurance and Annuities Working Group. Jason has participated as an invited panelist at regional and national AICP meetings.
Prior to his life as a regulator, Jason cut his insurance teeth working in the home office of a large life insurance company.
Commissioner of Insurance of Puerto Rico
Ana Lucia- Santiago –Acosta joined the Commissioner of Insurance of Puerto Rico in 2013, working as policy analyst, under the Actuarial Division. Here, she carefully analyzes policies, applications, riders and endorsements submitted by Insurance Companies interested to sell a Life or Health insurance in Puerto Rico, and then recommend approvals, objections or disapprovals based on the Insurance Code of Puerto Rico and its regulations.
Prior working in the insurance industry, she worked as a Small Business Specialist for Puerto Rico America's Small Business Development Center (PR-SBDC), a small business resources program sponsored by Small Business Administration (SBA) and Interamerican University of Puerto Rico. Here she helped entrepreneurs to plan their business trainings in specialized subjects like procurement, finances and international trade. She guided entrepreneurs into which specific business counseling area they may start receiving the SBDC multidisciplinary services based in their needs assessments.
In addition, she participated as a founder member developing the first Cooperative Incubator in the University of Puerto Rico. She helped in the research and development of the cooperative incubator model for students. As for today, this incubator is still active and offering more broad services for entrepreneurs who want to start a cooperative venture in Puerto Rico's economy.
As part of her participation for the University of Puerto Rico, Ana participated as an interviewed expert entrepreneur for the recently completed and published Global Entrepreneur Monitor (GEM) report of Puerto Rico's, 2013 Global Report.
At the beginnings of her professional development, Ana had the opportunity to work in a Nonprofit Organization helping women under the poverty standards to plan and establish their small business.
Ana enjoys reading, specifically about entrepreneurship. It keeps her informed about business trends, particularly in the retail industry, and the use of new technologies as they emerge. Success stories are very inspiring!
As part of her continuous education, Ana has participated in the Academy of the Certificate Quality Improvement Associate (CQIA) offered by ASQ Puerto Rico Chapter, also she has participated in the Malcom Baldrige a strategic planning course. Also, she received a designation as Associate Professional in Insurance Regulation (APIR), granted by the National Association of Insurance Commissioners (NAIC).
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.
Barbara (Barb) Lynch
Barbara (Barb) Lynch is a Compliance Consultant at Standard Insurance Company (The Standard), a Life and Health Insurance company based in Portland, Oregon.
Barb has worked in the insurance industry for almost 32 years, and has been with The Standard since 1988. She has worked in Compliance since 1994. She worked for twelve years with Individual Life & Disability and has spent the last eleven years with Group Life Insurance.
Barb has a Bachelor of Science degree from Bemidji State University in northern Minnesota.
Nick is a Director – Complex Loss Issues for Liberty Mutual Group working on the State Solutions Compliance Team. He manages the market conduct exam process for Liberty Mutual's Personal Lines Underwriting and Rating group, including the Safeco brand. Nick also consults with internal business units on new products and works on miscellaneous complex and strategic compliance issues such as, consumer complaint responses, the NAIC Market Conduct Annual Statement, enterprise risk management, OFAC and senior management reporting.
Nick has been Liberty Mutual for 25 years, in his current position for over 17 years and has been involved in well over 100 market conduct exams, investigations and audits. Nick held prior positions with Liberty Mutual as an Industry Filings Specialist and a Personal Lines Underwriter.
Nick holds numerous insurance designations, has a Master of Science in Finance degree from Suffolk University and a Bachelor of Science in Business Administration degree from Duquesne University.
Deb Matthews has worked in the insurance industry for almost 40 years for P & C Insurance Companies. She has worked in rating supervision, billing department management, line profitability review and moved into Compliance and Filing in 1992. Deb currently is Vice President – Regulatory Compliance Services for one of Old Republic's company that provides services for several of the group's P & C insurance companies and at times the entire group. Her responsibilities include Form & Rate Filing management, Licensing Department management, Vertafore ReferenceConnect Company Manual publishing oversight, oversight of DOI complaints and market conduct coordination. She currently has a staff of 19.
Deb has served the industry by her work with AICP (Association of Insurance Compliance Professionals) as their National President from 2000 – 2001 as well as leading, serving on several AICP Committees or presenting at AICP conferences. She also led a Reference Connect users group for a couple of years. She is active with SILA (Licensing Association) and has presented at one of their past annual conferences.
Deb holds a BS degree in Business Administration from West Virginia University as well as an Associate Degree in Data Processing from a Texas community college. She currently holds the CCP and ARC designations which are compliance related.
She was born in and lived in Alabama for a few years and also lived in New Jersey, West Virginia, Texas and currently resides in a suburb of Chicago.
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.
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.
Jim Mealer is the Chief Market Conduct Examiner for the Missouri Department of Insurance, Financial Institutions, and Professional Registration (DIFP).
Jim has been with DIFP for 26 years and has also served as an Audit Manager, Examiner-In-Charge, Examiner I, II, and III and a Surplus Lines Examiner. He has a CIE and MCM designation. Jim has served for the past five years as the vice chair of the NAIC's D committee Exam Standards working group and is currently the chair of the RIRS working group. Jim is a member of the Insurance Regulatory Examiners Society (IRES) board. Prior to working for DIFP, Jim graduated from Southwest Missouri State University (now Missouri State).
Jim resides in Westphalia, MO with his wife Mary and his son Dylan (17). His son Devin (24) lives in St Louis.
VF Mihaic Consulting
Business Leader with extensive experience in negotiating with regulatory institutions, developing cross-cultural teams, and directing mergers and acquisitions. Demostrated success at reducing potential fines by 75% and ensuring compliance with State and Federal regulators. Recognized for adapting to the immediate situation, developing staff, and establishing critical business relationships that resulted in addressing potential obstacles with diplomacy and political savvy.
American Equity 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 the 2017 recipient of the AICP's Robert W. Lennon Award in recognition of his service and outstanding dedication to the Association. He was previously presented with the Heartland Chapter's President's Award for his commitment and service to 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.
Missouri Department of Insurance
The Director of the Market Regulation Division, 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. In 2018, she was the recipient of the Paul DeAngelo Memorial Teaching Award given by the Insurance Regulatory Examiners Society. The DeAngelo Award is given to honor regulators who have distinguished themselves in the field of insurance education and training.
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 (Property and Casualty (C) Committee) and the Consumer Information Subgroup (Health (B) 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 Fellow of Health Insurance Advanced Studies (FHIAS) from America's Health Insurance Plans (AHIP) and the Advanced Market Conduct Management (AMCM) designation through the Insurance Regulatory Examiners Society (IRES).
Beth O'Quin, J.D.
Beth is an Insurance Manager for the Louisiana Department of Insurance. She manages the form section for Life, Annuity and Long-term care insurance. She has been with the LDI since 1998. Beth is a 1991 graduate of Louisiana State University where she earned her B.A. degree in Political Science. In 2016, Beth earned her Juris Doctor magna cum laude from Southern University Law Center and finished 1st in her class. She was admitted to the Louisiana Bar in October of 2016.
Rhode Island Insurance Department
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.
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.
Georgia Office of Insurance
Debra has over 25 years of insurance experience including over 20 years with the Georgia Department of Insurance. She spent two years in the Consumer Services Division prior to transferring to the Division of Insurance and Financial Oversight where she now serves as Assistant Director and Chief Market Conduct Examiner. Debra supervises market regulation activities and market conduct examinations for the State of Georgia. Prior to joining the Department, Debra worked for various organizations in the insurance industry. Debra is a graduate of Georgia State University and is a member of the Association of Insurance Compliance Professionals (AICP) and the Insurance Regulatory Examiners Society (IRES).
- Cheryl Penn is a Licensing Compliance Supervisor with the Office of the Insurance Commissioner (OIC). In this role, Cheryl addresses all aspects of producer compliance, including reviewing applications, conducting compliance audits, and answering producers' questions relative to compliance issues.
- Cheryl Penn is a qualified Compliance Analyst and holds the Certified Investigator certification from the Council on Licensure, Enforcement and Regulation. She was awarded the Associate Compliance Professional designation awarded by the Association of Insurance Compliance Professionals in October 2013.
- Cheryl Penn has 40 years of experience in the insurance industry. Prior to starting her employment at the OIC, Cheryl spent ten years as an Assigned Risk Manager for the Farmers Insurance Group of companies in the Merced (California) regional office.
- Cheryl Penn helps producers to understand the oftentimes complex statutes and regulations that govern insurance licensees' conduct. To contact Cheryl, please email email@example.com or she can be reached by phone at 360-725-7153
Lee Ann Robertson
Virginia Bureau of Insurance
Lee Ann Robertson manages the Commercial Casualty Rules, Rates and Forms Review section in the Property and Casualty Division of the Commonwealth of Virginia's State Corporation Commission Bureau of Insurance. She has been with the Bureau since 2004. Prior to joining the Bureau, she spent more than 25 years in both the agency and company sides of the insurance industry. She holds the professional designation of Certified Insurance Counselor (CIC).
Mattia B. Scharfstein
Selective Insurance Company of America
Mattia Scharfstein is the Director of Regulatory Services for Selective Insurance Company of America. Mattia is an insurance regulatory professional with over a decade of experience in property and casualty lines of insurance, both personal and commercial. Her professional experience encompasses all aspects of insurance regulation, including legislative and regulatory affairs, compliance, state filings, complaint handling external data reporting and market conduct examinations. She has an expert level knowledge with regard to data quality and external data reporting, with specific expertise in Workers Compensation data reporting. She has held formal positions in and volunteered for numerous industry organizations including the Workers Compensation Insurance Organization Electronic Data Interchange committee, the International Association of Industrial Accidents Boards and Commissions Proof of Coverage and Regulations committees, as well the Association of Insurance Compliance Professionals Mid Atlantic Chapter and National organization (as both a Board member and as a committee volunteer). Mattia was also recently appointed to the IRES Foundation Board. She has also had the pleasure of serving on various working groups and committees in addition to speaking on several panels throughout the industry. These include the Maryland Insurance Administrations Homeowners Notice industry working group, the New Jersey Compensation Inspection Rating Bureau nominating committee, the American Insurance Association compliance and regional committees, the American Conference Institutes Forum on Insurance Regulation, the Association of Insurance Compliance Professionals National Conference and the Insurance Regulatory Examiners Society.
Mattia holds both an Associate Insurance Data Manger (AIDM) designation from the Insurance Data Managers Association as well as an Advanced Market Conduct Manager (AMCM) designation from the Insurance Regulatory Examiners Society.
She is also an elected member of the Board of Education in her hometown of Stanhope, New Jersey. She is the past chair of the policy committee, currently serves on the personnel and curriculum committee in addition to the serving as the Vice President of County Relations for the New Jersey School Board Association and attending both county and state school board meetings as a New Jersey School Board Associations delegate.
Drinker, Biddle, & Reath, LLP
Stephen Serfass is a partner with Drinker Biddle & Reath LLP, where he is Leader of the Insurance Litigation Practice Group. Steve also is the founder and co-leader of the firm's Long Term Care Insurance Team. 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 an array of other compliance issues), 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 has a depth of experience representing insurers on life insurance issues as well as environmental insurance matters. 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 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.
Tennessee Department of Commerce & Insurance
After graduating from David Lipscomb University, Mike started his insurance career in 1979 as a Casualty Underwriting trainee with a national insurance carrier in Nashville. He served agents in Tennessee and Mississippi, eventually specializing in middle market Workers' Compensation driven accounts. After a couple of other underwriting stops focusing on Workers' Compensation, he joined the Department of Commerce and Insurance as a Consumer Insurance Investigator in April of 2001. Mike accepted the Workers' Compensation Manager's position in June of 2004 in what is now the Policy Analysis Section. He is responsible for reviewing Workers' Compensation pricing programs from carriers and self insured groups doing business in Tennessee, assisting in coordinating rate hearings before the Commissioner, and overseeing the assigned risk plan, administered by NCCI. He also serves as the department representative on the Tennessee Advisory Council on Workers' Compensation and the department representative on the Employee Misclassification Advisory Committee sponsored by the Bureau of Workers' Compensation.
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 37 years in a variety of positions.
Coalition Against Insurance Fraud
Matthew Smith serves as Director of Government Relations & General Counsel for The Coalition Against Insurance Fraud based in Washington, D.C. Mr. Smith joined The Coalition staff after retiring as President of Smith, Rolfes & Skavdahl (skav-doll) Company, LPA. He founded the firm in 1989 after beginning practice as an insurance defense attorney in Florida. From starting as a one-attorney office, the firm grew into a national practice providing insurance law services throughout the United States and Puerto Rico. While working for the Firm, Mr. Smith also served as Legal Advisor to The Coalition.
Originally from Dayton, Ohio, he is a graduate of the University of Cincinnati College Conservatory of Music with a degree in Radio, TV and Film. While working his way through college and law school he served as Director of Marketing Communications for the Kings Island Theme Park Complex in Ohio and founded Smith-Kaufman Public Relations representing such companies as Wendy's International, Hyatt Hotels and The Cincinnati Reds.
Mr. Smith graduated from the Salmon P. Chase College of Law at Northern Kentucky University. He is admitted to practice in both federal and state courts in Ohio, Florida, Kentucky, Michigan and Washington, D.C. as well as the United States Supreme Court.
He is a past President of the National Society of Professional Insurance Investigators, the Founding Chair of the Insurance Committee of the International Association of Arson Investigators, and a member of the Defense Research Institute, Claims and Litigation Management Alliance and numerous other insurance law related organizations. Mr. Smith is a frequent lecturer on insurance law matters throughoutthe United States.
Michael Smith has been with the State Corporation Commission's Bureau of Insurance. At the Bureau of Insurance, Michael manages the rules rates and forms of the Commercial Multi-Lines section. Prior to that Michael has over thirty-five years in the insurance industry. Michael has held field officer level positions in: strategic planning, underwriting and marketing with Kemper Insurance, Marsh, C N A and Berkley Mid-Atlantic in the mid-Atlantic region.
David F. Snyder
David F. Snyder is Vice President, International Policy for the Property Casualty Insurers Association of America, in which capacity he represents the interests of the association’s 1000 insurers and reinsurers before international and domestic regulatory and legislative bodies. He chairs the Global Federation of Insurance Associations Governance Working Group. Previously, he held federal positions and for the Commonwealth of Pennsylvania was General Counsel of the Commerce Department, Deputy Attorney General in Torts Litigation and the Legislative Aide and a hearing officer for the Insurance Department.
David graduated Magna Cum Laude from Dickinson College and holds a JD from George Washington University School of Law, is admitted to law practice in three jurisdictions and received the CPCU designation.
Last November, he was reelected to his seventh term as a Falls Church, Virginia City Council Member, was mayor and vice mayor and serves on and chaired regional environmental and transportation planning bodies. He currently chairs the National Capital Region Emergency Preparedness Council and is the Immediate Past President of the Virginia Transit Association.
Tennessee Department of Commerce & Insurance
Jennifer joined the Captive Insurance Section of the Tennessee Department of Commerce and Insurance in 2013 as an Insurance Examiner when there were 30 licensed captive insurance companies in Tennessee. Today, Jennifer is the Assistant Director, assisting in the oversight and regulation of 170 licensed captives, including 424 cell companies and eight Risk Retention Groups. Jennifer is responsible for assisting the Director in streamlining and enhancing the regulatory processes, recruiting exceptional staff, developing an examination program, and actively promoting Tennessee as a first class captive domicile throughout the country.
Florida Office of Financial 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.
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.
Jan Vitus has been involved in the business of insurance for over 40 years, the last 22 years as an insurance regulator for the state of Oregon. Jan is the lead Rates and Forms analyst for all things Property & Casualty. This includes Stop Loss, Provider Excess, Mortgage, Title Insurance, wrap-ups (ORS 737.602), Legal Expense insurance, service contracts and vehicle protection product warranties. Basically anything not Life, Annuities, or Health. Jan is active on policy teams, participates in development of legislative concepts and in administrative rule making, and crafting bulletins.
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 firstname.lastname@example.org
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.
Mississippi Insurance Department
Mr. Wells joined the Insurance Department in 1998, as Deputy Rating Director, of the Property and Casualty Rating Division and was appointed Rating Director by Commissioner Dale in June 2005.
The Rating Division reviews all Property and Casualty rates, rules and forms for admitted insurers. The Division then recommends approval, discussion of the filing or disapproval to the Commissioner. In addition to this the Rating Division assists insurers in making filings, maintaining rate, rules and form files for public and industry reference , handles consumer and industry complaints regarding rate filings and assists the Commissioner and other MID personnel in Property and Casualty matters.
Mr. Wells received his Bachelor of Science Degree in General Business from Mississippi College, Clinton, Mississippi, in 1975. John earned his CIC (Certified Insurance Counselor) Designation in 1996.
Mr. Wells began his insurance career in 1976 with Kemper Insurance, Jackson, Mississippi as a Personal Lines Underwriter. In 1980, John accepted a Agency Marketing Representative position in Mississippi with Utica National Group and served in a similar position with The Dodson Group, Kansas City, Missouri from 1986 to 1998.
Mr. Wells lives in Brandon, Mississippi, with his wife, Teresa and they have 4 children Jennifer, Sam, Kenny and Kyle and two granddaughters, Lily and Amelia.
Texas Department of Insurance
Ignatius Wheeler is the Associate Commissioner - Chief Examiner of the Financial Examinations Section for the Texas Department of Insurance (TDI). Ignatius is responsible for the administration of on-site financial examinations of insurance companies and other entities regulated by TDI, as well as for all market conduct, title agent, and actuarial regulatory examination activities performed by TDI.
In 1991, Ignatius began his regulatory career with TDI as a financial examiner for the South Texas Field Office, in Houston, Texas. In 1999, Ignatius became a Supervising Examiner, and in 2003 he was named the Assistant Chief Examiner for the South Texas Field Office. As Assistant Chief Examiner, he was instrumental in the development of policies and procedures to increase examination efficiency and provided support in TDI's preparation for multiple accreditation reviews. Ignatius was named Chief Examiner in September, 2009.
Ignatius graduated from Louisiana State University with a Bachelors Degree in Accounting. He has a Certified Financial Examiner's designation from the Society of Financial Examiners (SOFE) as well as a Certified Fraud Examiner's designation from the Association of Certified Fraud Examiners. He currently serves on the Board of Governors and Executive Committee for SOFE and has been an active member since 1991.
Utah Insurance Department
Mark Wiedeman was raised in Denver Colorado and moved to Utah in 1991. He graduated with a Bachelor of Arts in History and a Master's in Public Administration both from Brigham Young University. Mark started his regulatory career working as a valuation analyst for the Utah State Tax Commission. He came to the Utah Insurance Department in 2012, as an auditor level II where he worked his way up to Senior Examiner, and was hired into the position of Assistant Division Director in 2016. Mark has achieved his Certified Financial Examiner (CFE) designation from the Society of Financial Examiners as well as the Associate in Captive (ACI) designation from the International Center for Captive Insurance Education. In addition to his duties for the Insurance Department, Mark is also an adjunct faculty member at Utah Valley University in Orem Utah where he teaches classes in Economic History.