The Great Lakes Chapter of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
Kristine Graf, AIRC, ACP - Hannover Re Services USA, Inc.
Kristine Graf, AIRC, ACP is a leader with a proven track record for creating proactive, accurate and efficient compliance cultures. She has led multiple aspects of regulatory compliance operating in 50 states in both admitted and non-admitted markets. She has been successful in seamlessly integrating broad scale compliance and regulatory improvements into business operations and is an influential thought leader delivering business value through risk and compliance gap identification, mitigation, and best practice implementation. She has been an active member since 2003 with a brief hiatus for a couple of years. Kristine has been in the regulatory compliance arena for over 20 years and was recently promoted to AVP.
Michael Hollar, FLMI, HIA - Combined Insurance Company of America
Michael has been the Product Implementation Manager since January 2020, Manager of the Policy Filings Department since April 2006, and an employee since December 2001 with Combined Insurance Company of America, A Chubb Company. Combined’s product lines consist of Supplemental Health, Medicare Supplement, and Life products. Michael is responsible with assisting the business units with development of new products, electronic application compliance, and addressing inquiries from Business Units. Michael also assist as Co-Manager with managing a staff of 12 that maintains compliance from development, filing, implementing, and monitoring statutory changes of new and existing products.
Michael began his insurance career at Trustmark Insurance Company in 1997. Prior to joining Trustmark, Michael worked for 10 years overseeing and administering a demand side management energy conversion program for a Wisconsin utility.
Michael has a Bachelor of Science Comprehensive Business Education Degree from the University of Wisconsin-Eau Claire. Michael has also obtained his HIA, FMLI, AIRC, DHP, LTCP, and CCP insurance related designations.
Below is a listing of my involvement with AICP since joining in 2002:
Lennon Award Recipient – 2021
Executive Committee – Secretary – 2016 to 2018
Great Lakes Chapter Regional Director 2014 – 2016
President’s Award Recipient 2012
Attended each Annual Conference held from 2002 – 2020
Great Lakes Chapter Officer for continuous 10 years. Nominated and elected for Secretary, Treasurer, Vice-President. President and Past President were assumed positions.
Current member of Planning Committee for Great Lakes Chapter
Great Lakes Chapter Educational Day Planning Committee for 10 E-Days; 2009 E-Day Planning Committee Chair; Chair of various E-Day sub-committees
AICP Education Committee now Learning and Development member since 2003 to present
Chair and Co-Chair of Education Committee from 2005 to 2009, 2014 to 2018
L & D Designation Subcommittee Chair, 2020 to present
Diversity and Inclusion Committee member 2020 to present
Co-Chair 2012 Annual Conference Activities Team
Life & Health Annual Program Planning Committee member for 2 years, 2005 – 2006
Chair Annual Conference Silent Auction now includes Business Partners Sub-Committee 2012, 2014 to present
Annual Conference Silent Auction Sub-Committee member 2010, 2011
Bylaws Committee member 2011, 2019 to present
Marketing Committee member, 2013, 2019
Chapter Relations Committee Chair – 2016
Finance Committee Member – 2016 to 2019 to present
Florence Marafatsos, HIA, MHP - Fortress Insurance Company
Florence Marafatsos has been in the Insurance Industry for the past 30 years in both Life/Health and Property/Casualty environments and has earned the professional designations of Health Insurance Associate; Managed Healthcare Professional; Professional, Academy of Healthcare Management and Associate, Life Health Claims. Her extensive industry experience includes 9 years as a Senior Adjustor in Multiple Lines, Disability, Long‐Term Care and Medicare; 5 years in Actuarial/Compliance and 16 years in Legal/Compliance. She is active in Government affairs and frequently attends the National Association of Insurance Commissioners (NAIC) meetings. She serves on the Government Affairs Committee for the MPL Association and the National Risk Retention Association. She holds a Bachelor’s degree in Mathematics and Secondary Education.
Michael Hartman, FLMI, AIRC - Dearborn National Life Insurance Company
Michael is a seasoned insurance professional with 32 years of experience in the insurance industry, 29 in a regulatory compliance and state filing role. Currently he is the Manager of the Regulatory Oversight & Compliance area for Dearborn Life Insurance Company and oversees product filings for all product lines; state statutory reporting; legislation monitoring and reporting; legislation research; TPA licensing; Department of Insurance and consumer complaints and grievances for the Dearborn enterprise; and works with the Privacy Officer with privacy breaches.
A member of the Dearborn Group family since 2006, Michael started as a product filing analyst. He has served in his current role since 2014. Previously, he worked at Protective Life Insurance (formerly Zurich Life Insurance Company of America), First Penn-Pacific Life Insurance Company and Federal Kemper Life Insurance Company all within compliance related roles.
Michael has earned the compliance designations of FLMI, AIRC, ARA, AAPA, AIAA, PCS, and CCP. He is a member of the Life and Health Compliance Association (LHCA) and has been a member of the AICP since 2006. His involvement in the AICP is listed below.
Regional Director, Great Lakes Chapter – 2018 – present
Now, more than ever, we need to maintain our focus while keeping an eye on everything. The AICP Great Lakes Chapter is here to help by putting a spotlight on COVID-19 Bulletins and Notices. Join us for an informative webinar to learn how to stay compliant with “State Filings in a Pandemic Age”.
There are few areas of our business that have not been impacted by the arrival of COVID-19. And, like the virus, the changes are not likely to go away soon. With the threat of spread and spikes, states are continuing to update old, and release new, bulletins and notices that dictate how we can and cannot proceed with transacting business.
How can we ensure that we have the correct process in place to successfully navigate these turbulent seas of regulation and market transformation without being overwhelmed?
Our speakers will discuss:
Compliance with Cancellation and Nonrenewal grace-periods
Mandatory policyholder relief filings and data calls
Required SERFF filings policy forms, rates and notices
October 15, 2020 – 11:30 PM – 12:30 PM CT
Fee: Members: Free
Non-member Regulators: $25
Webinar link will be sent on October 13, 2020.
The Gulf States Chapter of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
The Heartland Chapter of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
Lori Straight, FLMI, ACP - Sammons Financial Group
Lori Straight, Assistant Vice President – Compliance Investigations has 22 years of experience in the life, health and annuity insurance industry. Ms. Straight has experience with underwriting, complaint handling, market conduct exams, product filing, advertising review, legislative research and overall insurance compliance knowledge. Ms. Straight has over 16 year of experience in investigating various insurance fraud schemes involving providers, insureds and agents, internal employee fraud, and was the AML Compliance Officer and Privacy Officer at her prior organization. Ms. Straight has a Bachelor’s Degree in Sociology with a minor in Criminal Justice from Iowa State University. Ms. Straight also has 8 insurance industry designations, outlined below.
BS – Iowa State University – Sociology and Criminal Justice (Minor)
ACP- Association Compliance Professional (Association of Insurance Compliance Professionals)
FLMI- Fellow, Life Management Institute (LOMA)
ACS- Associate Customer Service (LOMA)
HIA- Health Insurance Associate (AHIP)
HCSA-Healthcare Customer Service Associate (AHIP)
HIPAAA- Health Insurance Portability and Accountability Associate (AHIP)
Sandra J Olson (Sandy) is a Regulatory Manager for Bond & Specialty Insurance Regulatory Affairs Group at Travelers. She started her career at Travelers in 1994 which at that time was the St. Paul Companies.
Sandy joined the Association of Insurance Compliance Professionals (AICP) on March 14, 2001. She has enjoyed volunteering on numerous national and chapter committees. This has allowed Sandy the opportunity to get to know and collaborate with numerous individuals who enjoy spending volunteer time working with the AICP.
Beginning in 2015 Sandy served the Heartland Chapter for three years as Vice President, President and Past President. Sandy currently serves as the Heartland Chapter Secretary.
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 with the NE DOI since January, 2009. She became a member of AICP in 2009 and at the same time joined several AICP national committees. Since 2012 she represents the Nebraska State as a regulator-speaker at the AICP annual conferences. Currently, she serves as the Heartland Chapter Treasurer.
With over 20 years of insurance compliance experience, Kari currently serves as a Senior Consultant in the Legal, Risk and Compliance Division at CUNA Mutual Group. Kari has helped with the development and administration of a variety of insurance products and processes. This includes assisting with the anti-money laundering process, complaint handling process and the licensing/registration team. Kari also spent several years working with the state filing team. Kari shares her in-depth work experiences by serving as a subject matter expert and enjoys working across the organization.
Kari has served the Heartland Chapter since 2015. She began as chapter vice president, moving on to become president, past president and is currently serving as regional director. She considers it a privilege to be involved with the AICP.
The Mid-Atlantic of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
Michael Hunterton, JD, CPCU, ACP - Selective Insurance Company of America
Michael Hunterton supervises the State Filings Team at Selective Insurance Company of America, a Property & Casualty Insurance Company based in Branchville, NJ. Michael works with various business units in developing and regulatory approval of rates, rules, and forms across Commercial and Personal Lines of Business. Michael earned a Juris Doctorate from the Catholic University of America and an undergraduate degree in Interdisciplinary Studies (Communications, Legal Institutions, Economics, and Government) from American University, both in Washington, DC. Before joining Selective in 2013, Michael was General Manager of a national court reporting and litigation support company based in Washington, DC.
Ilana Kauffman - Wysh Life and Health Insurance Company
Ilana Kauffman is an experienced Insurance Compliance Professional with a background in both the P&C and LAH arena, working to build compliance programs, manage corporate governance, develop products and expand the business into new territories. Ilana is currently the Director of Compliance for Wysh Life and Health Insurance Company, an Insurtech specializing in term life insurance.
Since joining the AICP, Ilana has volunteered for the Brand & Marketing Committee and is currently an active member of the Student Engagement Committee and Co-Chair of the Diversity, Equity & Inclusion Committee.
Ilana Kauffman graduated Cum Laude from New York University with a Bachelor of Science Degree in Media, Culture and Communications. She lives in Long Island, New York with her husband and 3 boys: 2 human and 1 K9. In her free time enjoys taking her kids to the park and drinking pumpkin coffee.
The Midwest Chapter of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
Carmen Brown - Jackson National Life Insurance Company
Carmen Brown is an Insurance professional with over 20 years’ in the industry. Experience includes regulatory compliance, state filings, form development, product implementation, project management and advertising review. She works in the Legal Department at Jackson National Life Insurance Company where she has the privilege of overseeing a team that partners with multiple business units across the organization to develop, implement and maintain product specific documents. Carmen strives to be a strong, compassionate, and inspirational leader in thoughts, words, and actions. She values building new and maintaining existing relationships through careful, considerate, and truthful, but respectful dialog and collaboration.
Carmen obtained an Associate degree in Marketing & Management from Lansing Community College and is currently earning her Bachelor of Business Administration, Management from Northwood University.
Carmen is a longstanding member of the Association of Insurance Compliance Professionals (AICP), has served as president and vice-president of the AICP’s Midwest chapter, and as the Committee Chair for the AICP Chapter Outreach committee.
The New England of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
Gregory Pelletier, CPCU - The Hanover Insurance Group
Greg Pelletier began his career in the insurance industry in 2011 with his current employer The Hanover Insurance Group. Since then he has worked in several areas of the company including Agency Services, Personal Lines Underwriting, Risk Management, and currently Compliance where he is the manager for Operations, Data Analytics, and Reporting
Greg holds a B.S. in Music Business from the University of Massachusetts Lowell and an M.B.A. from Nichols College. He also holds CPCU, ARC, and CCP designations.
A lover of tennis and dogs, Greg is also a big fan of musical theater and visits New York City a couple times a year to see a Broadway show. He and his wife Kerrianne enjoy singing with their two young girls.
Rachel has been an AICP member since 2014 and has many years of experience in the Property & Casualty insurance industry. This experience includes everything from agency relations to product regulatory compliance. She is currently a Sr. Regulatory Compliance Specialist at Markel Specialty.
Rachel has served the AICP in numerous capacities including:
Regional Director – 9/2019 to present
New England Chapter Past President: 2017 – 2018
New England Chapter President: 2016 – 2017
New England Chapter Vice President: 2015 – 2016
National Committees: Education (L&D), ATLaS and Chapter Outreach
Rachel is currently pursuing the Associate Compliance Professional (ACP) designation with a concentration in property & casualty through the AICP. She has also earned an AINS designation and just recently starting working towards an Associate in Regulation and Compliance (ARC™) from The Institutes Risk & Insurance Knowledge Group.
Rachel has been an active member of the following groups or committees. The American Property Casualty Insurance Association, Product Steering Committee, Life & Health Compliance Association, Massachusetts Justice of the Peace Association and the Association of Notaries.
The Northwest Chapter of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
Dawn has worked in the insurance industry for over 16 years. As a Compliance Analyst, she’s been responsible for The Standard’s Individual Annuity suitability program; conducting and drafting the department’s annual audits, as well as providing the department’s suitability and replacement trainings. She reviews and files various products, forms and advertising materials, assists with data calls and market conduct exams, as well as drafting compliance advisories. Having worked on both sides of the business, she adds a unique perspective.
Dawn is a native Oregonian and has been married to her husband Scott for the past twenty-three years. She enjoys traveling, spending time with friends and family and hunting for vintage treasures.
Dawn has been a member of the Association of Insurance Compliance Professionals (AICP) since 2016 and was the acting Northwest Chapter Secretary from 2018 – 2021. This month she’s been elected as the chapter’s new Regional Director.
The South Central Chapter of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
Terri Hitchcock’s insurance career has spanned the past 40 years, mostly on the insurance company side, in disciplines that include legal, compliance, underwriting, product design, company operations, reinsurance, and litigation management. She has been a member for AICP for 9 years and encourages those who have not yet joined to do so and take advantage of the incredible opportunities to develop professionally and to meet some incredibly talented industry professionals.
The Western Chapter of the Association of Insurance Compliance Professionals (AICP) welcomes you. If you are not already a member, please consider joining the Chapter to take advantage of the many benefits and opportunities that membership of the AICP provides.
Machael Heise is currently the Insurance Product Manager with Ethos Technologies Inc. For over 20 years, Machael has worked in the insurance industry at a major carrier, as a consultant, and at an insurtech start-up. Her compliance experience includes product development for life, annuity, and supplemental health products for individual and group lines of business. Machael has been a long time member of the Association of Insurance Compliance Professionals (AICP), serving as the Western Chapter Treasurer for several years.
Lori Dreaver Munn is currently the Government & Industry Engagement Manager with the American Association of Insurance Services (AAIS). Lori has over 20 years’ experience in the insurance industry, with an emphasis on compliance. Lori has developed established relationships with state insurance departments and insurance trade associations. A longstanding member of the Association of Insurance Compliance Professionals (AICP), and the former Society of State Filers (SSF. Lori has served as president, vice-president, treasurer, and regional director of the AICP’s western chapter, and has been a contributing writer for the AICP journal/blog as well as involved on several committees.