Live from Nashville image

Speakers

 

Elsie Andy

Elsie Andy
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.


Scott Appleman

Scott Appleman
The Standard

Scott Appleman is a Compliance Consultant at Standard Insurance Company (The Standard) which is a Life and Health Insurance Company based in Portland, Oregon. The Standard markets several life and health products including dental and vision.

In 1997, Scott began his compliance career at Pacific Heritage Administrators in Portland, Oregon, drafting medical plans for the self-funded market. In 2000, he joined The Standard as a compliance analyst to work on life and statutory disability products. In 2005, he left The Standard to become the Manager of Insurance Compliance and Contracting at Willamette Dental Group, but ultimately decided to return to The Standard in 2007 where he continues to work on a variety of insurance products.>

Scott has a Bachelor of Arts Degree in Psychology from Sonoma State University in Rohnert Park, California, and a Masters Degree in Public Administration: Health Administration from Portland State University, in Portland, Oregon.


Geoff Baker

Geoff Baker
NAMIC

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.


Robert Barbarowicz

Robert Barbarowicz
Michelman & Robinson, LLP

Robert Barbarowicz is a partner in M&R's Los Angeles office. Mr. Barbarowicz has extensive experience in both corporate and insurance regulatory matters. He has over 30 years of experience in structuring, negotiating and closing complex corporate transactions, including the acquisition and sale of insurance companies and insurance agencies. Mr. Barbarowicz has also structured and advised clients in corporate finance transactions including substantial capital extraction. In addition, he has an extensive insurance regulatory practice.

Mr. Barbarowicz has vast expertise in the areas of force-placed insurance, rate regulation, rate filings and complex corporate transactions. Mr. Barbarowicz has represented many insurance carriers in matters before the California, Florida, Maryland, Minnesota, Pennsylvania, Texas, Connecticut, New Jersey, Virginia, Washington and Arizona insurance departments. He represents property and casualty, life and title insurance companies in various significant transactions and regulatory matters. He advises large financial institutions on matters relating to insurance and insurance regulatory issues. His practice involves providing counsel regarding sensitive and complex regulatory matters, which require approvals from state insurance regulators. He has advised clients in matters relating to investigations and examinations by state insurance regulators. Mr. Barbarowicz also focuses on issues involving surplus lines carriers.

Additionally, Mr. Barbarowicz monitors insurance regulatory developments at the federal and state level for clients. He is an active participant at the meetings of the National Association of Insurance Commissioners.

He is a member of M&R's Conflicts, Ethics and Opinion Committee.


Robert Baron

Robert Baron

Robert Baron serves as the Associate Commissioner for the Property & Casualty Section of the Maryland Insurance Administration (MIA) where he oversees the review of rates and forms filed by insurance carriers, as well as the investigation of consumer complaints. As the Associate Commissioner, Robert serves as the MIA’s P&C subject matter expert in Annapolis and in other public forums. He started with the MIA in 2000 as an insurance investigator and also served as the Director of the Property & Casualty Complaints Unit for four years.

Robert began his career in the property and casualty insurance industry in 1985 as a multi-lines claim adjuster with Amica Mutual. During the next 15 years, Mr. Baron worked in claims, training and development, and claims management with Crum and Forster, Integrity Insurance, Maryland Casualty and Erie. Mr. Baron is a resident of Baltimore County and a graduate of Towson University.


Craig Bedell

Craig Bedell
IBM

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.


Renee Benard

Renee Benard
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.


Michael Blackshear

Michael Blackshear
Chubb Insurance Group

Michael serves as the North America Chief Compliance Officer for Chubb Insurance Group. Chubb is the world’s largest publicly traded property and casualty insurance company, with operations in 54 countries, exceptional financial strength, and a broad range of personal and commercial insurance products.

Michael is responsible for providing leadership and management within the Office of General Counsel responsible for developing and maintaining an effective compliance program in North America designed to establish compliance standards and to monitor, detect, and prevent compliance deficiencies. He is a seasoned professional with over twenty-five (25) years of financial service and executive experience encompassing compliance, regulatory, government affairs, new product development, underwriting, project management, advisory, legal, training, investigations, marketing, monitoring, risk management, process improvement, and E&O prevention.

Prior to joining Chubb, Michael held various leadership roles, for Marsh & McLennan Companies, focusing on Government Affairs and Compliance. Michael was responsible for identifying state based level legislative and regulatory changes that impacted Marsh & McLennan Companies. Core responsibilities included, but were not limited to: (i) developing a public policy agenda for each operating company; (ii) developing and sustaining relationships with key policymakers and trade groups to build awareness on the organization’s state-level public policy priorities; and (iii) lobbying state governments to advance the company’s interests. He also served in a senior compliance role, for Marsh, as a regional compliance officer and regulatory subject matter specialist for Privacy, Public Entity, and Certificate of Insurance related matters.

Michael also held management advisory roles for both KPMG and PricewaterhouseCoopers providing services with a focus on risk management, regulated business transactions, regulatory & compliance, operations, strategic business planning & process, and the development of legislative and regulatory policy. Michael began his insurance career as an underwriter for Continental Insurance and later as a casualty broker with Alexander & Alexander.

Michael obtained his Juris Doctorate from Fordham Law School; MBA from St. John’s University School of Risk Management, Insurance, and Actuarial Science; and BS in Finance from Syracuse University. He also received a certification in “Managing Ethics in Organizations” from Bentley College.

Michael periodically lectures at universities and industry trade associations on compliance and risk management topics. In the fall of 2018, Michael will begin lecturing as an adjunct professor at Fordham Law School, on the topic of Insurance Regulation and Compliance.


Ryan Blakeney

Ryan Blakeney
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.


Holly Blanchard

Holly Blanchard
Regulatory Insurance Advisors, LLC

RIA’s services are led and overseen by Holly Blanchard. Holly is the President of RIA and has over 20 years of experience in the insurance industry, with most of those years as an insurance regulator. Holly brings extensive market conduct, Affordable Care Act (ACA) and overall regulatory expertise and experience to the industry.

Holly previously served as the Market Conduct Examiner in Charge for Nebraska and oversaw a multitude of Market Conduct Examinations, including Life and Health, Property and Casualty, Pre-need, Surplus Lines, and HIPAA Excepted Benefits. Beginning with the passage of the ACA in 2010, Holly was a significant part of the Nebraska Department of Insurance team that led implementation of the ACA in Nebraska.

Beginning in 2013, Holly was the key oversight officer on several multi-pronged contracts, including CCIIO PFR and MEC reviews, as well as multiple state exams. With this experience, Holly is well versed in the requirements of the ACA, and is also very knowledgeable on how state laws interplay with the federal requirements.


David Bolton

David Bolton
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.


Alan Bottalico

Alan Bottalico
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.


Mindy Bradford
Interstate Insurance Product Regulation Commission

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 insurance. Mindy received a Bachelor of Science Degree in Mathematics and a Master of Business Administration from Central Michigan University. She also earned the Fellow, Life Management Institute (FLMI) designation.


George Bradner
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

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.


Lorrie Brouse

David Browning
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.


Joanne Burns

Joanne Burns
AAIS

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.


Erica Salmon Byrne

Erica Salmon Byrne
Ethisphere Institute

Erica Salmon Byrne is the Executive Vice President, Governance and Compliance for The Ethisphere Institute, where she has responsibility for the organization’s data and services business and works with Ethisphere’s community of clients to assess ethics and compliance programs and promote best practices across industries. Ms. Salmon Byrne also serves as the Executive Director of the Business Ethics Leadership Alliance; she works with the BELA community to advance the dialogue around ethics and governance and deliver practical guidance to ethics and compliance practitioners around the globe.

Prior to joining Ethisphere, Ms. Salmon Byrne served as the Executive Vice President of Compliance & Governance Solutions for NYSE Governance Services, Corpedia, a leading ethics, compliance, and risk assessment consulting company and licensed credentialing partner of the Ethisphere Institute. Ms. Salmon Byrne worked closely with Corpedia’s varied clients in addressing their compliance needs, including evaluating compliance programs, assisting companies in measuring peer practices and drafting training programs. She hosted the on-demand web video series, Inside Compliance, and shared the host chair of another on-demand web series from NYSE Governance Services, This Week in the Boardroom. She was also responsible for product strategy for NYSE Governance Services.

Prior to joining Corpedia, Ms. Salmon Byrne practiced with DLA Piper in Washington, DC, where she focused in the areas of internal investigations, enforcement actions, government audits, and international law. Ms. Salmon Byrne has advocated on behalf of clients in front of the Securities and Exchange Commission, the U.S. Attorney’s Office for the Southern District of New York and the Northern District of Georgia, the Antitrust Division of the U.S. Department of Justice, and the House of Representatives’ Permanent Subcommittee’ for Oversight and Investigations. In addition, she assisted multinational companies in complying with the Foreign Corrupt Practices Act and U.S. Export Controls.

Ms. Salmon Byrne received a Bachelor of Arts degree from George Washington University, a Master of Arts degree with Highest Distinction from Northeastern University and a Juris Doctor cum laude from the Georgetown University Law Center. She is a regular columnist in The Compliance and Ethics Professional and a contributing editor to the Compliance and Ethics blog. She previously served as adjunct faculty, teaching business ethics in the Department of Business Ethics and Legal Studies in the Daniels College of Business at the University of Denver.


Tom Carswell

Tom Carswell
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.


Andy Case

Andy Case
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.


Brian Casey

Brian Casey
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.


Ed Charbonnier
Interstate Insurance Product Regulation Commission

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, and received 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.


Jack Chaskey

Jack Chaskey
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.


Robin Clover

Robin Clover
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.


Dan Cotter

Dan Cotter
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 Coulter

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 Coulter

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 Criswell

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

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.


Jennifer Crutchfield

Jennifer Crutchfield
IHC Specialty Benefits

Jen Crutchfield is the Vice President of Legal and Compliance at IHC Carrier Solutions. Prior to joining the team at IHC, she was Counsel at State Farm working in the Legislative and Regulatory Compliance arena. Before making the switch to compliance, Jen worked as a litigator for several years in the Bay Area.


Cheryl Davis

Cheryl Davis
Nationwide Insurance

Cheryl joined Nationwide Insurance in 2005. She currently leads the team responsible for handling all Department of Insurance and Federal Reserve Bank exam requests for the Nationwide Insurance Group. This includes requests for all lines of business across both the Life & Annuity and Property & Casualty Insurance Companies. Her centralized team is responsible for consistent exam process management. She also supports the coordination efforts of unclaimed property exams and overseeing the Market Conduct Annual Statement (MCAS) process.

Prior to joining Nationwide Insurance, Cheryl worked for the Market Conduct Division of the Ohio Department of Insurance and Midland Life Insurance Company.

Cheryl holds the AMCM, ALMI, AIRC and ACS designations.

Cheryl also serves as President of the IRES Foundation Board and as a member of the Wolters Kluwer Strategic Advisory Board.


Hazel J. Delane

Hazel J. Delane

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. In addition to her BBA Degree and MBA Degree, Hazel has earned insurance industry designations of AIRC, AAPA, ACS, AIAA, HIA, and MHP


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.


Richard DeSanctis

Richard DeSanctis
Berkley One

Richard DeSanctis currently serves as Past President for the Mid-Atlantic Chapter of the Association of Insurance Compliance Professionals (AICP). Richard brings more than a decade of insurance industry experience specializing in regulatory relations, multi-state filings and product implementation. Prior to serving in his current role as Assistant Vice President Compliance for Berkley One, a W.R. Berkley Company, he previously worked for the Insurance Services Office (ISO) and American International Group (AIG). Richard holds a Bachelor of Arts degree in English and Political Science from the University of North Carolina and is currently pursuing his Masters of Science in Insurance Management from Boston University. Additionally, he has earned numerous professional designations including Chartered Property Casualty Underwriter (CPCU), Enterprise Risk Management Certificate (ERM) and Insurance Regulation Certification.


 

Brett Detels
QBE Insurance Corporation

Brett Detels is a product and underwriting leader for QBE’s Accident & Health business. He is responsible for technical pricing on all QBE's medical stop loss, captive reinsurance, and student accident business. In addition, he leads the A&H reporting and planning functions.

Brett has over 20 years of experience in the medical stop loss business. Prior to Brett joining QBE in 2012, he was the medical stop loss actuary for R. E. Moulton / OneAmerica and prior to that was manager of actuarial services on HCC Life's medical stop loss business. He is an Associate of the Society of Actuaries, Member of the American Academy of Actuaries and earned a Bachelor of Arts in mathematics and physics from Ohio Wesleyan University.


Jan Dubauskas

Jan Dubauskas
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.


Kimberly Dunn

Kimberly Dunn

Kim is a senior compliance consultant at Custom Disability Solutions. She has worked in the group disability industry for over 30 years, specializing in STD, LTD, and statutory STD product development, state and Interstate Compact filings, and legislative and regulatory review. Kim began her career as an Underwriter at GroupAmerica Insurance Company before transitioning into a Compliance role; she moved to the reinsurance arena in 1998. Kim has a B.S. in Medical Psychology from the University of Connecticut and a J.D. cum laude from Western New England University.


Amanda Dutton

Amanda Dutton
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 Eaton

Robert Eaton
Milliman

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.


Susan Eckler-Kerns

Susan Eckler-Kerns
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.

 

Greenberg Traurig

Rich Fidei
Greenberg Traurig

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.


April Furlong

April Furlong
Milliman

April is a compliance consultant with the Tampa office of Milliman. April has experience in in compliance consulting, policy form drafting, and other compliance related services for life and health products. She has worked closely with supplemental products such as hospital indemnity, critical illness, accident, dental, vision, and PPO filings for various states. She also has experience with the various filing requirements for the Affordable Care Act. She has worked closely with regulators to secure approval on many filings. Prior to joining Milliman, April spent 10 years working in managed care, analyzing data on risk, profits and trends applicable to health plans, and overseeing state filings.


Russ Galbraith

Russ Galbraith
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.


Sam Garro

Sam Garro
Philadelphia Insurance Companies

Sam Garro is currently Senior Vice President of the Compliance Department at Philadelphia Insurance Companies. He received his BA degree with honors from Rutgers University and his law degree from Temple University’s (James E. Beasley) School of Law. He is currently licensed to practice law in New Jersey and Pennsylvania. He holds the CPCU designation.

Sam has experience in many capacities in Compliance and Product Development with increasing responsibilities in management of those areas. He has managed compliance and product development units in both Life and Health and Property and Casualty.

Sam is active in continuing education and has presented numerous continuing education seminars for the Insurance Society of Philadelphia (ISOP) and the Institute of Strategic Educational Partners. He has twice been awarded the Outstanding Educator Award by ISOP and was a recipient of ISOP’s Mariellen Whelan Excellence in Education Award.

Sam is active with the Association of Insurance Compliance Professionals and has served as Mid-Atlantic Chapter President as has coordinated, moderated and spoke at various sessions at both the local and national conferences.


Ruben Gely Rodriguez

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.


Jon Gillum

Jon Gillum
Locke Lord, LLP

Jon L. Gillum is Senior Counsel in the Austin office of Locke Lord LLP. With more than 15 years of experience, Jon’s practice focus on insurance regulation, service contract (extended warranty) regulation, and Texas administrative law. He routinely assists clients with transactions, compliance matters, investigations, enforcement matters, and litigation involving the Texas Department of Insurance, the Texas Department of Licensing and Regulation, the Texas Real Estate Commission, the Surplus Lines Stamping Office of Texas, the Texas Attorney General's Office, and the rules and statutes addressed by those entities. Jon graduated summa cum laude from Rice University and earned a Master of Public Affairs from the L.B.J. School of Public Affairs. He obtained his law degree with high honors from the University of Texas School of Law, where he was an Associate Editor of the Texas Law Review, a Townes-Rice Scholar, and a member of the Order of the Coif and Board of Advocates. Jon has published multiple articles on insurance and service contract regulatory issues, including a recent articles in the Texas Tech Administrative Law Journal and Law360. He also serves as the Vice President of the Board of Trustees of National History Day, Inc., a non-profit organization dedicated to the promotion of innovative history education for middle school and high school students.


Karen Givens
Interstate Insurance Product Regulation Commission

Karen Givens is a Senior Product Reviewer with the Insurance Compact, responsible for the review of annuity products filed with the Compact. Karen also participates in Outreach events on behalf of the Insurance Compact.

From January 2008 until she joined the Compact in 2011, Karen was a Senior Compliance Analyst with Pacific Life Insurance Company. 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 earned 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.


Angel Gleason

Angel Gleason
AIA

Angela is Senior Counsel in the American Insurance Association’s law department. Angela has primary responsibility for cybersecurity, privacy, surety, construction and technology issues. In particular, she closely monitors and works with a diverse group of company personnel to develop policy positions and respond to federal and state regulatory and legislative efforts related to cybersecurity. The insurance industry is uniquely positioned to address cybersecurity both from the corporate data security perspective and as providers of cybersecurity insurance. She also provides legal support on compliance, property, and various U.S. sanctions issues. Angela holds a J.D. from Case Western Reserve University School of Law and a B.A. from John Carroll University. She is a member of the Virginia and D.C. Bars. Prior to joining AIA, Angela was an intern in the corporate law department at Progressive Insurance


Kay Godfredsen

Kay Godfredsen
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.


Quinn Gornto

Quinn Gornto
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.


Robert Grissom

Robert Grissom
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

Maryana Grodnova-Ware
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:

  • 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.


Shirley Grossman

Shirley Grossman
Lincoln Heritage Life Insurance Company

Shirley has been with Lincoln Heritage Life Insurance Company for 33 years. As Vice President and Compliance Officer she is responsible for oversight of all state and federal compliance functions, regulatory updates and implementation, product development and filing, complaint handling, AML training, and Market Conduct exams.

She is an active member of AICP.


Ted Hamby

Ted Hamby
North Carolina Department of Insurance

After 17 years in the life and health insurance industry, Ted joined the Department of Insurance in January 1988. 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, is active on the IIPRC Product Standards Committee, and as the designated IIPRC member state representative for North Carolina Insurance Commissioner Mike Causey.


Maureen Hart Perry
Interstate Insurance Product Regulation Commission

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 in the insurance industry for eleven years. 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).


Tom Hartman

Tom Hartman
Currin Compliance Services

Tom is best known for his time spent at the New York Department of Insurance. He began his tenure there in 1977 and stayed until 2016. As one of the Department’s Actuaries he had the opportunity to review most forms of life and annuity forms and even the got the occasional P&C or health form to review. After retirement joined the firm of Currin Compliance, Inc to work for Cailie Currin another New York Insurance Department Alumni.


Alan Haskins

Alan Haskins
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.


Randy Helder

Randy Helder
NAIC

Randy Helder is the Assistant Director of the Market Regulation Dept. at the NAIC where he assists in overseeing the department’s internal operations and advises NAIC members and insurance regulators on market regulation issues; promoting effective market conduct oversight through robust market analysis and active collaboration among NAIC member jurisdictions.

Mr. Helder assists in providing direction and staff support for the Market Regulation and Consumer Affairs (D) Committee and its working groups, including the Market Regulation Certification (D) Working Group, the Market Actions (D) Working Group (MAWG), the Pre-Dispute Mandatory Arbitration Clauses (D) Working Group and the Market Information Systems (D) Task Force.

Mr. Helder also currently serves on the Board of Directors and Executive Committee of the Insurance Regulatory Examiners’ Society (IRES) and chairs the Membership and Benefits Committee.


Len Herk

Len Herk
NCCI

Len Herk is Director and Senior Economist at NCCI, and focus lead for economic research. His research has involved risk measurement and the cost of capital in the context of ratemaking, the effects of the Affordable Care Act, and interstate variations in medical treatment for workers compensation claims.

Before joining NCCI in 2013, Len worked in New York at several investment funds, specializing in event-driven investing and private equity. Prior to that, he taught economics as a faculty member at Florida State, Tulane, Johns Hopkins, and Columbia universities. He has been published in the Journal of Economic Theory and the RAND Journal of Economics.

Len holds a PhD in economics from the University of Virginia and an MS in computational finance from Carnegie Mellon University.


Michael Hitchcock
Pacific Life Insurance Company

Michael is a Director, Product Compliance for the Life Division of Pacific Life and joined the company in 1998. Michael is responsible for the product drafting and filing unit and has been in the compliance department since 2015. Prior to joining the compliance department, Michael was a Project Manager Consultant for 5 years responsible for managing all aspects of new product creation and delivery.

Michael is Series 6 registered and holds ALMI and ACS designations.


erri Hitchcock

Terri Hitchcock
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

Joseph Holahan

Joseph Holahan
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

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.


Brian Hoffmeister

Brian Hoffmeister
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.


Yada Horace

Yada Horace
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.


Mike Humphreys

Mike Humphreys
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.


Gina Hunt

Gina Hunt
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.

 

Tim Johnson

Tim Johnson
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.


Rachel Jrade-Rice

Rachel Jrade-Rice
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.


Susan Kalmus

Susan Kalmus
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

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.


Tracy Klausmeier

Tracy Klausmeier

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, consumer complaints and market conduct issues. 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, AIE, and ACP designation.


Karen Lam

Karen Lam
McHugh Consulting

Karen joined McHugh Consulting Resources in 2014 as Compliance Manager for the Health, Life and Annuity projects as well as the firm’s Advertising Review Services. In 2017, Karen transitioned to a consulting role for McHugh. Karen oversees product compliance for all life, annuity and health products, including long term care, supplemental health, and ACA products. She has also developed advertising review processes and performed advertising compliance for both carriers and producers.

Karen has over 25 years of life and health insurance compliance experience. Prior to joining McHugh, Karen held various compliance management positions including AVP and Director of Compliance. In addition to product compliance, Karen has experience with annuity suitability, market conduct examinations and AML/OFAC.

Karen holds a MBA from Lewis University, a BA from Truman State University and a paralegal certification from Roosevelt University. She has also earned her FLMI and AIRC designations and is a current member of AICP.


Karen Landrum
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

Jason Lapham

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.


Chlora Lindley-Myers

Chlora Lindley-Myers
Missouri Department of Insurance

Chlora Lindley-Myers was appointed director of the Missouri Department of Insurance, Financial Institutions and Professional Registration on March 6, 2017. She was confirmed by the Missouri Senate on April 13, 2017. She leads the department that protects consumers and ensures a strong and stable insurance market through the regulation of professionals and businesses that impact Missourians' lives daily.

Chlora Lindley-Myers has served in several senior positions in the legislative, judicial and executive branches of government. She has also been a leader in regulatory and insurance industries, as well as within the National Association of Insurance Commissioners (NAIC). At the Tennessee Department of Commerce and Insurance, Chlora oversaw the Insurance, Securities, Tennessee Law Enforcement Academy, TennCare Oversight divisions as well as the Human Resources and Legislative functions.

She served, in Kansas City, as the Director of Consumer Protection and Anti-Fraud Division of the NAIC, and as Chief Compliance Officer of Examinations for the Kentucky Department of Insurance, where she was responsible for the administration and oversight of market conduct examinations.

Chlora also served as the Property and Casualty Section Chief for the Missouri Department of Insurance, where she was responsible for regulating all of the property and casualty insurance forms, rates, filings and policies issued in the state. She holds an undergraduate degree from Mount Holyoke College in Massachusetts and a law degree from the University of Connecticut. Chlora is licensed to practice law in various states, including Missouri. She has received national recognition for her work. As the Deputy Commissioner of Tennessee’s Department of Commerce and Insurance, she was awarded the Robert Dineen Award for Outstanding Service and Contribution to the State Regulation of Insurance.


Tammy Lohmann
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.


Anna Lucia-Santiago-Acosta

Anna Lucia-Santiago-Acosta
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).


Robert Lutton

Robert Lutton
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 15 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 Marrangoni

Nick Marrangoni

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

Deb Matthews
Old Republic

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.


Amanda Matthiesen

Amanda Matthiesen is an Executive Director in the Product Policy Department at America’s Health Insurance Plans. Amanda previously served in an appointed position, under the Terry Administration at the Virginia Attorney General’s Office as Assistant Director of Public Affairs. Prior to that, Amanda worked at the Fairfax County Chamber of Commerce in the Government Affairs Department where she was charged with advocating the Chamber’s legislative agenda before the Virginia General Assembly. Amanda began her work at AHIP in January 1994, and is responsible for managing state legislative & regulatory activities impacting long-term care insurance and disability income, and represents the association on long-term care issues at the NAIC. Amanda holds a B.S. in Political Science from the George Mason University.


Tiffany McDuffie

Tiffany McDuffie
Tennessee Department of Commerce & Insurance

Tiffany McDuffie joined the Department of Commerce and Insurance, Policy Analysis Section as an Actuarial Analyst in August 2016. She accepted the Actuarial & Compliance Manager for Property and Casualty Insurance November 2016, her responsibilities including reviewing Personal Lines Insurance rate filings and overseeing the review of personal and commercial insurance filings and vehicle protection products. Tiffany also serves as the department representative for the Tennessee Automobile Insurance Plan Governing Committee. Prior to joining the Department, Tiffany held several claims positions with State Farm Insurance over 8 years, gaining wide-ranging insurance claims experience with the Murfreesboro, Chicago and Atlanta operation centers.

Tiffany is a graduate of the University of Tennessee and Middle Tennessee State University, receiving her B.S. in Mathematics and her B.S. in Economics respectively.


Becky McElduff

Becky McElduff
Insurance Compact

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.


Ginny McHugh

Ginny McHugh
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

Jim Mealer

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.


Vera Mihaic

Vera Mihaic
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.


Dave Milligan

Dave Milligan
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.


Troy Meyers

Troy Meyers

Troy Myers joined EMC Insurance in November 2016 excited to step away from day to day claims handling and transition into compliance. As EMC’s Claims Compliance Consultant, Mr. Myers acts as an intermediary between EMC’s Corporate Compliance department and Claims Department to facilitate and implement regulatory change related to claims handling, assist with consumer complaint responses and provide initiatives to ensure EMC’s compliance success. Prior to joining EMC, Mr. Myers was an experienced Multi-Line Independent Adjuster handling claims for a wide variety of carriers.


Bob Morrow

Bob Morrow

Robert (Bob) Morrow, Jr. Esq. serves as the Associate Commissioner for Life and Health at the Maryland Insurance Administration. In this role, he is responsible for overseeing the Life and Annuities, Health and Managed Care, Private Review Agent, and Complaints sections of the unit. He had previously served as the Associate Commissioner of Hearings since November 2015 where he managed the administrative hearings office and issued case decisions for contested cases. He joined the Insurance Administration from Transamerica where he spent thirteen years as legal counsel to its Life and Protection Division and Affinity Markets Group. He holds a Bachelor of Arts degree from Washington College and his J.D. from Widener University School of Law. He is a member of the Maryland State Bar Association, the Professional Insurance Marketing Association and the Association of Certified Fraud Examiners. He lives with his wife and two children in Baltimore County.


Mark Murphy
Custom Disability Solutions (CDS)

Mark Murphy is Vice President of Compliance at CDS. He oversees CDS's regulatory compliance, policy form filing, claim appeal, quality review/audit and legal functions. Mark began working in the disability compliance field in 1992, after several years teaching history and coaching at a pair of NJ independent secondary schools. He has been with the CDS organization since 1997. He holds several industry designations, including the FLMI, HIA, and AIRC, and has spoken on disability compliance topics at several national and regional meetings of the Association of Insurance Compliance Professionals (AICP). Originally from Pawtucket, RI, Mark is a graduate of Moses Brown School in Providence. He earned a B.A. in History at Trinity College in Hartford and an M.A. in History from the University of Connecticut.

 

Angela Nelson

Angela Nelson
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).


Phyllis Oates

Phyllis Oates
Virginia Bureau of Insurance

Phyllis Oates is the Manager of the Personal Lines Rules, Rates, and Forms section in the Property and Casualty Division of the State Corporation Commission’s Bureau of Insurance in Virginia. Phyllis has over forty years of experience in insurance and joined the Bureau of Insurance in 1995. Her primary responsibilities include reviewing Personal Lines rule, rate and form submissions and training new examiners. Phyllis has a Bachelor’s degree in Education from Virginia Commonwealth University and she holds the professional designation of Certified Insurance Counselor (CIC).


Beth O'Quin

Beth O'Quin, J.D.
Insurance Manager

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.


Roger Osgood

Roger Osgood
Westchester, A Chubb Company

Roger is currently serving as Vice President – Underwriting Audits/Compliance Officer for Westchester, a Chubb Company (formerly ACE Group) which focuses on the wholesale distribution of excess and surplus lines casualty, environmental, inland marine, product recall, professional risk, and property products. He leads underwriting audits and the underwriting delegated authority operations. Roger authors audit reports, promotes underwriting best practices, and conducts quarterly management audit committee meetings. He also manages and coordinates the compliance program for Westchester.

Prior to joining Westchester, Roger was the Compliance Manager for Canal Insurance Company, managing the daily operations of the compliance team to include rate/rule/form filings, research, legislative tracking and complaint resolution. Additional compliance experience includes market conduct, compliance auditing, and producer licensing. Prior to joining Canal, Roger was Director of Compliance and Market Conduct for AIG Personal Lines (which was acquired by Farmers Insurance Company in 2009). He has over 25 years of diversified experience, including key positions in Product Management, Underwriting Management and Compliance. His experience reaches into both personal and commercial lines and across most functional areas of insurance company operations.

Roger is a Past President and active member of the Association of Insurance Compliance Professionals (AICP). He served the National Board of Directors as President, Vice President, Regional Director, and as Co-Chair of the Government and Industry Relations Committee. Roger also served the local chapter as Vice President, President and Past President. He continues to serve the Association as a member of the Past Presidents Council as well as Chapter Education Day and Annual Conference planning focusing on regulator participation.


Paula Pallozzi

Paula Pallozzi
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

Karren Phair-Harvey
John Hancock

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.


Debra Peirce

Debra Peirce
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

  • 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 cherylp@oic.wa.gov or she can be reached by phone at 360-725-7153

Darien Porter

Darien Porter
South Carolina Insurance Department

Darien Porter joined the South Carolina Department of Insurance in March 2012 as a P&C Rates Analyst. He was responsible for reviewing and/or approving property and casualty rates, rules and forms used by insurance companies licensed to do business in South Carolina for Homeowners and Automobile.

In April 2014, Darien was promoted to the P&C Manager. He now assists the Director and Department staff with P&C related issues and oversees the analysts that review over seven thousand P&C filings per year for all personal and commercial lines of business.

Darien is an Associate of the Casualty Actuarial Society and a Member of the American Academy of Actuaries.


Lee Ann Robertson

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).


Marie Roche
John Hancock Life Insurance Company

Marie Roche is Assistant Vice President of Government Relations at John Hancock. Previously she led the Contracts and Legislative Services which was responsible for the contractual product development and filing of John Hancock's Life and Long-Term Care Insurance portfolios, compliance and state relations. Marie has more than 37 years of insurance product development and compliance experience at John Hancock, the last 23-years focused on individual/group long-term care insurance.

She is the current Chairperson of AHIP's Long-Term Care Regulatory Work Group, a past Chairperson of the American Council of Life Insurers Long-Term Care Committee, a past member of the Interstate Compact's Industry Advisory Board as well as a member of numerous industry committees. Marie is widely recognized within the industry and by regulators as an expert on insurance, long-term care, regulatory / compliance / state filing and long-term care Partnership matters.

Marie received both a B.A. in Political Science and M.B.A. from Boston College and a J.D. from New England School of Law. Marie is also a member of the Massachusetts Bar.


Alex Rogers

Alex Rogers
NAIC

Alex is approaching his five year mark at the NAIC as a Product Specialist after starting as an intern. He works directly with both the states and industry, implementing and training on the SERFF application. He enjoys working with the customers on a day to day basis as well as problem solving. In his free time he is quite “techy”, he enjoys going to the gym and Chiefs football games. He recently became an uncle and is enjoying every minute of it. Alex has been a member of the AICP since 2013 and this is his fourth annual conference.

Alex has a Bachelor’s of Business Administration degree with a double emphasis in Marketing and Entrepreneurship & Innovation from the University of Missouri – Kansas City.


Art Sanders

Art Sanders
Zurich North America

Art Sanders is Vice President of Compliance Monitoring and Governance at Zurich North America where he is responsible for developing and executing Compliance Monitoring processes, maintaining certain Compliance frameworks including local standards and training, developing Compliance reporting to Governance Committees, and managing certain aspects of Zurich North America’s Ethics and Compliance Line processes including participating on the associated Triage Committee. Art has been with the Zurich North America Compliance Office since December of 2006. He joined Zurich in March of 2004 as an internal audit manager prior to joining the Compliance Office.

In addition to almost 12 years of compliance experience, Art has approximately 15 years of internal audit experience and two years of project management experience with much of his career being in the insurance industry including commercial and personal lines Property and Casualty as well as Health Insurance.


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.


Steve Serfass

Sheri L. Scott
Milliman

Sheri is a principal and consulting actuary leading a Milliman Property & Casualty practice focusing on introducing InsurTech solutions into insurance rating and sales processes, and advanced rating techniques for emerging markets. Sheri’s practice applies technology and advanced analytics to develop innovative insurance products for traditional and start-up insurers and the associated state regulatory rate filing support.

Sheri has helped several insurance companies launch new products across the United States and other countries. Sheri has also helped amend existing products and processes to improve insurance profitability, restructuring rates and class plans, applying generalized linear and non-linear models, incorporating external data, and creating by-peril, tiering, territorial, and other advanced rating techniques.

Prior to joining Milliman, Sheri was SVP of Balboa Insurance Group and a consultant at Aon Risk Services in New York City. Before becoming an actuary, Sheri was a risk and underwriting manager. Over twenty-five years of experience working in and for the insurance industry have given her a deep understanding of insurance company operations.


Steve Serfass

Steve Serfass
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

Kevin Shaw
Milliman

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.


Michael Shinnick

Michael Shinnick
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.


Kelly Smith

Kelly Smith

Kelly began her insurance career in 1984 as an independent agent. She then moved to the regulatory side of the industry and began working for the NC Department of Insurance in 1990 as a Market Conduct Analyst. She moved to the Property & Casualty Division in 1992 as a Regulatory Analyst until 2002. She entered the private sector as manager of the Specialty Auto Division at Jackson Sumner and Associates. She also wrote and taught continuing education courses around the state for JSA and IIANC. In 2009, Kelly came back to work at the NC Department of Insurance as a Special Assistant to the Commissioner and was responsible to setting up Agent Advisory Committees to aid in communication with the agent force in North Carolina. Kelly came back to the Property and Casualty in January of 2017 as a policy and rate analyst.


Mark Smith

Mark Smith
ISO

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.


Matthew Smith

Matthew Smith
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

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
PCI

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.


Constance Spurling
Standard Insurance Company

Constance is a Senior Compliance Analyst for Standard Insurance Company, specializing in issues affecting Group Disability products. She has over two decades of experience in the insurance industry and has focused primarily on group Long Term Disability claims analysis, administration and product development. In January 2016, she brought her deep product expertise to the compliance arena. In her current role, she works with multiple business units to craft language that meets the needs of the client, the business and the regulators. She also provides advice to various business units regarding the impact of enacted legislation on The Standard’s products and processes. Because she is always looking to broaden her knowledge about the industry and various products, Constance recently started learning about individual disability products.

Constance is a native Oregonian and received a BS in Biology from Portland State University. She enjoys traveling, photography, gardening, and spending time with her husband and two teenagers.


Jennifer Stalvey

Jennifer Stalvey
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.


Sandra Starnes

Sandra Starnes
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 Summers

Laura Summers
Milliman

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

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 jan.vitus@oregon.gov


James Walker

James Walker
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.


John Wells

John Wells
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.


Robin Westcott

Robin Westcott
AAIS

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.


Ignatius Wheeler

Ignatius Wheeler
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.


Mark Wiedman

Mark Wiedman
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.


Barbara Wiggins

Barbara Wiggins
Mississippi Insurance Department

Ms. Wiggins joined the Mississippi Insurance Department in 2014 as Deputy Rating Director of the Property and Casualty Rating Division.

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.

Ms. Wiggins received her Bachelor of Science Degree and Master of Science Degree from the University of Southern Mississippi in Hattiesburg, Mississippi. Barbara earned her CIC (Certified Insurance Counselor) Designation in 1989.

Ms. Wiggins began her insurance career in 1984 with Allstate Insurance Company in Jackson, Mississippi. In 1985 she accepted a position with Aetna Life and Casualty Company as an Account Manager which introduced her to the roles of both commercial underwriter and marketing. Barbara continued in these roles at USF&G and State Auto.

Barbara resides in Brandon, Mississippi where she enjoys landscape projects, gardening, hiking and life on a golf course.


Nicole Zayac

Nicole Zayac
Michelman & Robinson

Counsel in M&R’s Regulatory & Administrative Department, Nicole Zayac specializes in the insurance industry, focusing her practice on regulatory issues, compliance, and mergers and acquisitions.

Ms. Zayac represents insurance clients from all segments of the industry, including producers, adjusters, MGAs, insurers, reinsurers, and investors. She represents clients in connection with investigations and compliance actions by state insurance regulators. Ms. Zayac also provides compliance counsel on issues such as surplus lines and other forms of non-admitted insurance, licensing requirements, and advertising, and general business practices.

Ms. Zayac assists with the regulatory aspects of complex transactions, including internal reorganizations of holding companies, acquisitions, domestications of branches of alien insurers, and redomestication of insurance companies. She also advises clients in forming both insurance companies and producer entities; providing regulatory counsel and securing needed approvals from formation through licensing. Additionally, Ms. Zayac drafts and obtains required regulatory approval for services, agency, broker, and cost sharing contracts for insurance companies. Further, she represents investors, including private equity funds, with regulatory aspects of investments in, or acquisitions, of regulated insurance entities.

Ms. Zayac is a member of the Women Attorneys of M&R (WAMR).


Check out our sponsors image