Nickolas Alvarado is an Actuary working at Milliman that has a BS in Pure Mathematics from the University of California, Irvine, and is a Fellow of the CAS. Nick has extensive experience with personal lines and commercial auto product development, ratemaking, and modeling and has spoken at two ratemaking workshops hosted by the CAS in the past.
Bobbie Baca is the Director of the Property Casualty and Title Consumer Services team at the Colorado Division of Insurance. Bobbie has worked in the insurance industry for more than 33 years with ten years as an underwriter and 23 years as a regulator.
As NAMIC’s general counsel, Geoff Baker is responsible for the oversight and development of NAMIC’s legal and regulatory compliance resources, products and services for member companies. In this role, Geoff monitors and researches insurance regulations, laws, bulletins and notices affecting the property and casualty industry; drafts legal analysis for member companies on compliance-related topics; creates research surveys on insurance laws and regulations; and develops webinars, articles, practical resources and other guidance on insurance compliance-related topics. Geoff also provides legal advice and counsel to the management and staff of NAMIC and its affiliated entities. Prior joining NAMIC, Geoff represented insurers in coverage and bad faith litigation matters and served for 17 years as general counsel and chief compliance officer for a group of property, casualty, and life insurers. He is a graduate of the College of William & Mary and the University of Idaho College of Law and has earned the CPCU, FLMI, AIRC, CCP and MCM insurance designations.
Birny serves as an economic adviser to and Executive Director for the Center for Economic Justice (www.cej-online.org), a Texas non-profit organization, whose mission is to advocate on behalf of low-income consumers on issues of availability, affordability, accessibility of basic goods and services, such as utilities, credit and insurance. Birny is an economist and former insurance regulator whose work focuses on insurance regulatory issues.
Birny has served for many years as a designated Consumer Representative at the National Association of Insurance Commissioners and is a member of the Federal Advisory Committee on Insurance and is a member of the U.S. Department of Treasury’s Federal Advisory Committee on Insurance and the Board of the Federal Reserve’s Insurance Policy Advisory Committee.
Birny served as Associate Commissioner for Policy and Research and the Chief Economist at the Texas Department of Insurance and Chief Economist at the Office of Public Insurance Counsel (OPIC).
Birny was educated at Bowdoin College and the Massachusetts Institute of Technology. He holds two Master’s Degrees from MIT in Management and in Urban Planning with concentrations is finance and applied economics.
Robin Bogdanich has spent almost 25+ years in the insurance industry, 20 of which has been in regulatory compliance. Most recently, Robin joined USAA as a Director, Compliance Risk Management in P&C Compliance. Throughout her career, Robin has been responsible for leading teams responsible for agent/adjuster/agency licensing, consumer complaints, market conduct examinations, data calls, compliance testing and monitoring, and other exciting compliance risk related work.
Robin earned her bachelor’s degree from California State University, Sacramento, and most recently earned her Master of Studies in Law – Organizational Ethics and Compliance from the University of St. Thomas. She also holds the MCM, AMCM, CCEP and CCEP-I designations, and is a member of the IRES Foundation Board of Directors.
Christina Boudreau is a Claims Compliance & Licensing Supervisor for Amica Mutual Insurance Company. She has been employed with Amica for over 22 years, having spent the past 8+ in a P&C compliance role. Christina is a CPCU and holds numerous other designations, including AICP's Associate Compliance Professional. She considers herself an auditing and compliance "nerd," and spends her personal time with her husband, three kiddos, and too-many-to-name pets (and fosters).
Matthew J. Brasch
CPCU, JD, MCM, CCP, AIE, ARC, AIC
Associate General Counsel,
Matt Brasch is Associate General Counsel at the innovative rideshare insurtech, Buckle. In this role, Matt provides insurance legal support to the business in all areas, relying on his experience in leading insurance companies to innovative solutions to meet the increasing compliance and legal requirements of the modern insurance industry.
Prior to joining Buckle in 2020, Matt was the Director of Compliance at Digital Partners, a Munich Re company, where he was responsible for the development of the Compliance Management System (CMS) and oversight of Digital Partners's innovative property & casualty insurers and their industry-disrupting insurtech partners. Before entering the insurtech space, Matt served as Assistant Vice President and Compliance Officer for the Cumberland Insurance Group, where he led the digital transformation of the Compliance and Legal functions. While at Cumberland, he also served as the Chairman of the Pennsylvania Property & Casualty Insurance Guaranty Association. Before Cumberland, Matt was a private practice attorney primarily representing the insurance industry.
Matt has been an active member of the Association of Insurance Compliance Professionals (AICP) and the Insurance Regulatory Examiners Society (IRES) since 2008. He served as AICP President from 2016 – 2017, was on the Board of Directors from 2013 – 2018, and is currently an active member of the Learning & Development Committee and the Mid-Atlantic Chapter. Matt served as an officer in the Pennsylvania Army National Guard from 1996 - 2004 and was deployed to Germany after the September 11 attacks in support of Operation Enduring Freedom.
Peg Brown is a native Coloradoan with over twenty-five years experience in insurance law and policy. She was appointed Deputy Insurance Commissioner for Consumer Affairs in August, 2005 and became Chief Deputy Commissioner in 2015.
Peg’s experience includes serving as advisor to U.S. Senator Hank Brown on health care and welfare policy, as staff to U.S. Senator Bob Packwood, and an attorney in private practice focusing on insurance issues.
Peg has her law degree from the University of Denver, a Masters Degree in Legislative Policy from George Washington University in Washington, D.C., and a Bachelors in Technical Journalism from Colorado State University. She has earned a certification as a Senior Professional in Insurance Regulation from the National Association of Insurance Commissioners. She and her husband, Dick, enjoy scuba diving, travel, biking and generally enjoying all Colorado has to offer.
Tom is the Assistant Director of the Insurance Product Review Division at the Georgia Department of Insurance. His Division oversees both Property and Casualty and Life and Health Sections. Tom currently holds the unofficial title of having the longest tenure of any employee at the GA DOI with 36 years of service. He has no plans to stop as he continues to enjoy his work.
Lori Carter has 40 years of experience in the life and health insurance industry, having worked in compliance management and analyst positions for two of the largest group life and disability insurers in the U.S. Prior to becoming a compliance professional, Lori held management and technical positions in all aspects of individual life and annuity new business issue and administration.
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.
George Cash is 2nd Vice President Compliance, at Protective Life Insurance Company, based in Birmingham, AL.
George is a veteran of the insurance industry starting his career in Property and Casualty, spending 15 years in claims and litigation. He joined Protective in 2007, with responsibility for life product compliance. His current role focuses on operational compliance.
Birmingham Southern College, Bachelor of Arts, 1989
Birmingham School of Law, Juris Doctorate, 2004
BAR AND PROFESSIONAL MEMBERSHIPS
Alabama Bar Association
Life and Health Compliance Association, Executive Committee
I'm a lawyer and insurance regulator with 7 years of experience. My subject matter areas have mainly been within the property & casualty realm, but I'm branching out into life insurance, banking issues, mortgage lending, and more. I'm currently a Senior Policy Advisor at the Division of Financial Regulation, within the Department of Consumer and Business Services in the State of Oregon.
Chris Conklin is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries. At Miller & Newberg, he assists a variety of insurance companies and fraternal benefit societies with product development and financial reporting. He has over 30 years of actuarial experience, including senior management roles at Fidelity & Guaranty Life, National Life, Genworth, and The Standard. Chris has also been co-CEO and co-owner of an independent insurance marketing organization.
Cheryl joined Nationwide in 2005. She currently leads the State Exam Management team responsible for handling all state regulatory exam requests for the Nationwide Insurance Group. This includes requests for all lines of business across both the Nationwide Financial 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 oversees the Market Conduct Annual Statement (MCAS) process.
Prior to joining Nationwide, 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 Vice Chair of the Insurance Regulatory Examiners Society (IRES) Foundation Board and as a member of the Wolters Kluwer Customer Advisory Board.
Cheryl is also a member of the Hilliard Church of Christ, where she seeks opportunities to support its mission and vision. Most recently this has included serving as a Trustee and part of the Women’s Ministry Team.
Ann Delaney is an Actuary at John Hancock. She is responsible for Product Tax & Compliance and has 30 years experience in the insurance industry.
Over 30 years of life and health insurance compliance experience including product drafting and development, form filings, fraud review, TPA auditing and oversight, regulatory research, agent appointments, advertising review and market conduct exams. BA in Sociology from St. Norbert College, just outside of Green Bay, WI, and a paralegal certificate from Roosevelt University. In her free time, Anita enjoys doing anything outside and reading.
James has held numerous positions within the Florida OIR where he started in forms review. He was one of the lead compliance analysts during the introduction of ACA products in to the Florida market. As Director, he currently oversees the Life and Health Product Review team ensuring regulatory compliance and helping to bring speed to market. James is dedicated to creating a competitive environment that fosters innovation allowing for the development of new compliant products to reach Florida consumers.
Adam Gammell is Division Chief of the Rate Regulation Branch at the California Department of Insurance. He oversees 6 rate filing bureaus who review all the Property & Casualty rate and form filings. He also oversees the Rate Specialist Bureau who provide various statistical calculations in support of the rate filing bureaus. Adam has been part of the Rate Regulation Branch at the California Department of Insurance for over thirty one years, during this time he has been involved in creating regulations, testifying at rate hearing and been involved in the review of thousands of filings. Adam has earned the designation of Chartered Property Casualty Underwriter and graduated from Syracuse University with a Bachelors of Science in Mathematics.
Karen Givens is a Senior Product Reviewer and Manager for the Interstate Insurance Product Regulation Commission (“Insurance Compact”). Karen joined the Insurance Compact as a Product Reviewer in March, 2011. Karen’s primary responsibilities as Senior Product Reviewer include the review of annuity products filed with the Compact, including reviewing for compliance with the Insurance Compact Uniform Standards and all applicable Insurance Compact Operating Procedures. Karen also participates in Outreach events on behalf of the Insurance Compact.
Prior to joining the Insurance Compact, Karen was a Senior Compliance Analyst with Pacific Life Insurance Company from January 2008. While at Pacific Life, she had primary responsibility for the 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 with Mutual of Omaha from August 2002 until January 2008. As the Director of Compliance, 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 earned her Juris Doctor from Creighton University School of Law and is licensed to practice law in the state of Nebraska. Karen is also Series 7 & 26 licensed, and recently served as a Registered Principal with Mutual of Omaha and Pacific Life.
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.
Mr. Hartman worked with the New York Department for 38 years as an Actuary.
He was involved with the review of every type of life and annuity contracts. After leaving the New York Department he has spent the last 5 years with Currin Compliance.
John Haworth is the Market Conduct Oversight Manager for the Washington State Office of Insurance Commissioner. Mr. Haworth has been a part of the WA Office of Insurance Commissioner for 19 years, serving as a rates and forms analyst; a senior market analyst; Chief Market Analyst and the last four years as Manager. He also serves at the NAIC as; Alternate Collaborative Actions Designee; chair of the Market Analysis Procedures (D) Working Group; and vice chair of the Market Systems Research & Development (D) Working Group. Prior to joining the Washington State Office of Insurance Commissioner, Mr. Haworth worked as an enrollment analyst for a health carrier; insurance producer; and a manager for group enrollment. He graduated from Western Washington University with a BA in economics and from City University with an MBA in Healthcare Administration. In addition, he earned his Chartered Property Casualty Underwriter (CPCU); Fellow Life Management Institute (FLMI); Certified Insurance Examiner (CIE); and Market Conduct Management (MCM) designations. He is also a recipient of the 2019 Washington Governor’s Leadership in Management award. He is also a recipient of the 2019 IRES Al Greer Achievement Award and is an IRES board member.
Roger Hayashi, CLU, ChFC, has nearly 30 years of compliance experience in the insurance and financial services industries. Roger has previous experience as a chief compliance officer for a broker/dealer and has held various compliance leadership positions with large insurance companies, broker-dealers, and registered investment advisers.
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 Market Analysis Procedures (D) Working Group and the Market Information Systems (D) Task Force.
Mr. Helder was instrumental in the centralization of the Market Conduct Annual Statement (MCAS) at the NAIC. Annually, he and his staff work closely with companies and state regulators in the collection, validation and analysis of MCAS data.
Mr. Helder served as President of the Insurance Regulatory Examiners’ Society (IRES) in 2019/2020.
Mr. Helder has thirty years of insurance industry experience with extensive experience in multiple insurance company operations, including reinsurance, claims, compliance and auditing. Prior to joining the NAIC in 2009, Mr. Helder worked at Zurich Insurance where he held the positions of Assistant Vice-President for Ceded Reinsurance and Senior Manager of Reinsurance and Underwriting. Mr. Helder also spent several years as a Senior Claims Analyst for Universal Underwriters.
Mr. Helder earned his Bachelor of Arts in Political Science from California State University in Fullerton, California and holds the CPCU (Chartered Property and Casualty Underwriter), AIE (Accredited Insurance Examiner), ARe (Associate in Reinsurance), AIC (Associate in Claims), and AU (Associate in Underwriting) designations.
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.
Paul Huang is currently serving in the role of Acting Associate Administrator of Resilience at the Federal Emergency Management Agency (FEMA).
In his prior position as the Assistant Administrator for the Federal Insurance Directorate, Mr. Huang supported the National Flood Insurance Program (NFIP), which is within the Federal Insurance and Mitigation Administration (FIMA). The NFIP has over 5 million policyholders across the Nation and collects over $4B in revenue annually. Mr. Huang also serves as the Executive Sponsor for FEMA’s Asian American and Pacific Islander Employee Resource Group.
Mr. Huang previously served as the Director of the Risk Analysis Division within FIMA, where he helped modernize the Nation’s flood map inventory and stand-up the successful $200M+ Risk Mapping, Assessment and Planning (Risk MAP) program which integrates the hazard mitigation planning program and the dam safety program with a goal of providing quality data that increases risk awareness that ultimately drives mitigation actions in communities resulting in long term resiliency.
Mr. Huang is a Department of Homeland Security level III program manager and holds a B.S. in Management Science and Information Systems as well as a Masters in Business Administration. He has been working in the field of flood hazard mapping, insurance, and mitigation for over 10 years; previously he was an information technology consultant.
Maureen James, FLMI, AIRC, ACS, has a career in compliance spanning more than three decades. Maureen’s expertise includes the Insurance, Securities and Registered Investment Adviser industries, with an extensive background in advertising compliance. She has held numerous compliance management roles supporting corporate and field compliance initiatives, always embracing a strong client-centered approach. Maureen is a former President of her local Association of Insurance Compliance Professionals chapter and is a current board member for the Insurance Advertising Compliance Association. In addition, she serves on the Board of Directors for the National Association for Fixed Annuities (NAFA) and has been recognized by NAFA as one of the women, past and present, pioneering annuity distribution. Maureen has previously held Series 6, 7, 24, 26, 63, and 65 registrations.
Merlinda Johnson is Director of Insurance Regulatory Compliance at RegEd. She has well over 20 years’ experience in the area of insurance regulatory compliance.
Prior to joining RegEd she served as Sr. Vice President of Compliance for a large health insurance company, based in Texas. In this role Ms. Johnson was responsible for managing market conduct examinations, product filings, regulatory affairs and consumer affairs. Her additional responsibilities included providing expert testimonies and presentations on topics such as health care reform, state mandated benefits and speed to market.
Ms. Johnson is a former board member of the Council for Affordable Health Insurance (CAHI) in Alexandria, Virginia where she participated in CAHI’s federal lobbying efforts on Capitol Hill on the topic of health care reform. She is also a former Texas Lobbyist. Ms. Johnson currently holds several industry designations.
Fred E. Karlinsky is Co-Chair of Greenberg Traurig’s Insurance Regulatory and Transactions Practice Group. Fred has nearly 30 years of experience representing the interests of insurers, reinsurers and a wide variety of other insurance-related entities on their regulatory, transactional, corporate and governmental affairs matters. Fred is a recognized authority on national insurance regulatory and compliance issues and has taken a leadership position in many insurance trade organizations, has led many industry-driven legislative and regulatory initiatives, and is a sought after thought leader who has spoken and presented to insurance executives and governmental officials, both nationally and internationally.
Fred is experienced in transactional law, executive and legislative governmental affairs, administrative law, and corporate representation. He advises clients on operational issues — including start-up initiatives, structuring, capitalization, and collaborative business relationships— and a complete array of regulatory and compliance issues, including licensure and corporate amendment applications, business expansion initiatives, solvency and statutory accounting issues, rate and form filings, and financial and market conduct examinations, to name a few.
Fred has a long history as a primary strategist in all types of insurance-related legislative and regulatory initiatives for all kinds of insurance, including homeowners, automobile, workers’ compensation, medical malpractice and other lines of property and casualty and life and health insurance.
In addition to his role with Greenberg Traurig, Fred has been an Adjunct Professor of Law at Florida State University College of Law since 2008, where he teaches a course on Insurance Law and Risk Management. Fred is also a Florida Supreme Court Certified Mediator.
Joseph Keller joined Westmont and its affiliated law firm in 2016 as Associate Counsel. Mr. Keller performs a number of integral services in the fields of product development, compliance, and legal research. Joe joins us after starting his career at a commercial litigation and bankruptcy firm. He is a graduate of Temple University’s Beasley School of Law and is also a graduate of Immaculata University with a Bachelor of Arts in Political Science. Mr. Keller is a licensed attorney in Arizona, Pennsylvania, and New Jersey.
Stacy is a principal and compliance consultant with the Tampa office of Milliman, where she assists clients with a wide variety of life, annuity and health insurance compliance issues. Stacy works with carriers and employers to develop contract language for group and individual life and health insurance and works with regulators to secure approval of those products. Stacy specializes in development of innovative life and health insurance products and finding solutions to unique regulatory challenges.
Alex Koskey is a shareholder with Baker Donelson in Atlanta and is the co-chair of the firm’s Financial Services Data Privacy and Cybersecurity Team. He regularly advises clients on cyber risk and data breach management, global data protection compliance, incident response, employee and board trainings, regulatory investigations, and cybersecurity and class action litigation. Alex's practice includes counseling financial institutions, insurers, and other highly regulated businesses on all stages of breach response, including investigating incidents, assessing potential notification requirements and compliance with applicable laws, strategizing crisis communications with relevant stakeholders, and responding to regulatory investigations and enforcement actions.
Alex also counsels clients on a variety of proactive privacy and security measures including global data protection and privacy compliance programs, developing incident response plans, information security protocols, vendor management programs, cyber insurance, e-discovery, and internal policy creation and training. He is a Certified Information Privacy Professional in United States (CIPP/US) and European (CIPP/E) privacy laws and also holds the Payment Card Industry Professional (PCIP) credential for compliance with Payment Card Industry (PCI-DSS) requirements.
John Mangan joined ACLI in 2002 and serves as Vice President & Deputy, State Relations. He is responsible for state legislative and regulatory affairs in California, Idaho, Nevada, Oregon and Washington. John also leads ACLI’s state advocacy team on the issues of state-run retirement plans and independent contractor legislation. He is now working on the community investment track of ACLI’s Economic Empowerment & Racial Equity Initiative.
John has been a featured speaker on life insurance and retirement security in state capitols and before national organizations.
Prior to joining ACLI, John spent 18 years with Standard Insurance Company of Portland, OR, where he led the company’s public affairs, lobbying and communications efforts for nearly a decade. From 1993 to 2000, John served on the Board of Directors of the Association of California Life and Health Insurance Companies (ACLHIC) and chaired the Oregon Life & Health Insurance Guaranty Association.
John earned his B.A. magna cum laude from the University of Notre Dame and was elected to Phi Beta Kappa. He was awarded a fellowship to Columbia University in New York, where he earned his M.A. in Comparative Literature.
Lori 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 also has developed longstanding relationships with state insurance departments and insurance trade associations.
Jeff Nash is the Principal of The Nash Group LLC, an insurance regulatory consulting firm formed in 2003 to provide legal services and 50-state advice on insurance transactions and operations, regulatory compliance, regulatory negotiations, coverage issues, and the forms drafting and rules development needed to innovate new and improved insurance product designs. He is also the General Counsel of Buckle Corp. and its subsidiaries, Gateway Insurance Company, American Service Insurance Company and American Country Insurance Company, with a focus on insuring drivers in the gig economy. Previously Mr. Nash was a Senior Managing Attorney at Progressive Insurance for 17 years. He started in claims litigation management and then later created and developed a centralized national approach to the management of policy drafting, regulatory relationships, speed-to-market product strategy, and regulatory compliance to minimize and defend against market conduct, bad faith and class action risks. Mr. Nash uses his experience to design, draft and implement cost-effective and claims-friendly insurance products, and provides regulatory liaison services to many insurers. Mr. Nash is admitted to practice law in the states of Ohio and Georgia.
Christine Perkovich O’Brien leads the insurance compliance group at Milliman that supports Property and Casualty product development. She specializes in summarizing state regulatory requirements, policy coverage form drafting, preparing state regulatory filing material, managing rate, rule, and underwriting manuals, as well as competitive and other product research and analyses. She manages rate, rule, underwriting, model, and form filings for all 50 states. Prior to joining Milliman, Christine worked at Fox Valley Technical College as a Paralegal Instructor teaching legal and technical skill-related courses and overseeing the AAS Paralegal program. She has also worked at a specialty insurer, first as a Regulatory Compliance Analyst drafting policies and endorsements and managing countrywide form/rate/rule filings for personal and commercial lines products, and then as a Law Specialist negotiating contracts and providing compliance guidance with regard to claims, underwriting, and corporate operations. Throughout her career, she has gained extensive legal knowledge through her roles as a paralegal in private practice and the local judicial system.
Pam O’Connell, is the Market Conduct Division Chief at the California Department of Insurance (CDI). She has 29 years of regulatory experience and currently manages the CDI’s Market Conduct Division. In this role Pam is responsible for a team of approximately 40 examiners and analysts that monitor the California insurance market and examine insurance company claim-handling and rating, underwriting, and marketing and sales practices. Prior to joining the management team in 2002, she spent 10 years as a CDI market conduct examiner herself, reviewing company practices in all lines of insurance. Pam has earned her CPCU and MCM designations, has been a frequent speaker on market conduct topics at educational events held by IRES, AICP, and CEFLI, and is active on various NAIC working groups in the area of market regulation.
46 years of insurance experience. 25 years as an insurance regulator. Manages the Personal Lines Rules, Rates and Forms section of the Bureau of Insurance.
Chris has been in the insurance industry for 35 years and has extensive regulatory and compliance experience. In her current role as Vice President of Corporate Compliance – Market Regulation at Travelers, Chris oversees market regulatory compliance and related activities on an enterprise level.
Chris is a member of the Inland Marine Underwriter’s Association (IMUA) Legislative and Regulatory Affairs Committee. She is also a member of the Insurance Regulatory Examiners Society Foundation Board and is the Chair of the American Property Casualty Insurance Association Compliance sub-committee. In 2013, Chris earned the Insurance Regulatory Examiner Society (IRES) Advanced Market Conduct Management (AMCM) Professional designation.
Jennifer Pepin is the Corporate Vice President Paid Statutory Products at New York Life Group Benefit Solutions and has worked in the personal and group insurance industry for over a decade. With a degree in law from New England School of Law, and background with statutory benefits, she has become a subject matter expert for programs such as paid family leave, disability leave, and paid family medical leave. In her spare time, Jennifer rides, yearly, in the Pan Mass Challenge, a 192 mile bike ride across Massachusetts and organizes an annual fundraiser for A Little Love for Levi which donates directly to Dana Farber Cancer Center/Jimmy Fund Clinic.
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).
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).
Sonja is a seasoned insurance professional with a diverse background. She has experience in many areas such as Compliance, Product Development, State Filings, Systems, Underwriting and Auditing. She joined Martin & Company in 2006 and is currently Vice President and Director of Compliance & State Filings. She oversees the day-to-day operations of the State Filing, Compliance & Regulatory and Product Development teams. Her contributions and vision to the company’s technology and data solutions have been invaluable. She works closely with insurance companies and program administrators to develop and determine best strategies for new and revised products. Sonja has held positions with the AICP and was most recently the Past President of the Great Lakes Chapter. She is actively involved in the industry and attends/participates in various insurance conferences and events.
Gerry is a 1972 graduate of Brooklyn College where he received a Bachelor of Science in Accounting degree.
He has been with the Insurance Department for 49 years and is currently in charge of the Automobile, Property and liability underwriting units of the Market Division. He is responsible for the efficient operation of those units in the processing of form and rate filings made by the Property and Casualty companies licensed in New York
He participated in the Modernization Task Force and is in the process of implementing some of the recommendations provided by the task force
He reviews market conduct examination reports and participates in the decision-making process to determine the extent of the problems found during the exam and the appropriate disciplinary action if any to be imposed on the company.
He was previously in charge Property Unit which has responsibility for all property lines including fire, inland marine, homeowners, multi-peril, title, mortgage guaranty, financial guaranty, and credit property.
He was also the former supervisor of the Personal lines unit (for all personal lines except Auto)
He was part of the team that developed and supervised the establishment of the Coastal Market Assistance Program.
He was part of the team who developed all the checklists for the various lines of business and took part in implementing the Department’s Speed-to-Market program and also in the implementation of the SERFF (System for Electronic Rate and Form Filing) program in New York.
He is also the Department liaison overseeing the operation of the New York Property Insurance Underwriting Association (Fair Plan) which is New York’s residual market for fire insurance.
He has the designation of Certified Insurance Examiner with the Insurance Regulatory Examiners Society.
Karen is the Executive Director of the Interstate Insurance Product Regulation Commission or the Insurance Compact. Karen oversees the day-to-day management of the Insurance Compact and its product filing operations including providing support to the members of the Commission and its committees to fulfill their respective missions. She facilitates communication with non-compacting states, industry and consumers about the benefits of the Compact as well as ensures a high-quality product review process for compacting states and filers. Karen Schutter was with the National Association of Insurance Commissioners (NAIC) for ten years, serving in various legal and management capacities, including coordinating the start-up of the Insurance Compact when it became operational in 2006.
Suzanne Seay is the NY Compliance Project Lead at Currin Compliance Services. She has been reviewing life insurance and annuity contracts with Currin for more than 12 years. She has also been a reporter for a daily newspaper, a variety store owner, a bookkeeper, and a stay-at-home mom. She spends her free time playing tennis and doing the NYT Spelling Bee puzzle.
Tashia Sizemore manages the Life and Health Product Regulation and Compliance Team at the Oregon Division of Financial Regulation. The team reviews rates and forms and performs market conduct and compliance work. Tashia's work at the division includes Mental Health Parity, rate review, reproductive health equity, balance (surprise) billing, Association Health Plans, long term care, life insurance, annuities and a host of other topics. Outside of insurance, Tashia enjoys reading, spending time with family, and rockhounding.
Cara St. Martin has over 30 years of experience in the financial services industry with most of those years in the compliance arena. She is currently the VP of Compliance at Ladder - a start up that sells term life insurance online. She has worked for Ameriprise Financial (Director) and Allianz Life Insurance Company as the Senior Compliance Director and Chief Compliance Officer of the Separate Accounts. She has had responsibility for regulatory exams, complaints, Separate Account Compliance, wholesale BD compliance, testing, ensuring compliance is integrated into the business, policies, procedures and training. A graduate of the University of Minnesota, Cara has a Bachelor’s degree in Education with a Certificate in Training and Development and a Master’s degree in Education.
As 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.
Ms. Starnes received a Bachelor of Science in Mathematics from Florida State University.
Gennady Stolyarov II, FSA, ACAS, MAAA, CPCU, ARe, ARC, API, AIS, AIE, AIAF, is the Lead Property and Casualty Actuary for the State of Nevada, Department of Business and Industry, Division of Insurance. During twelve years of experience, Mr. Stolyarov has reviewed thousands of rate and form filings from property and casualty insurers, as well as tens of predictive models in areas such as credit-based insurance scoring, usage-based automobile insurance, and peril-specific rating. He also reviews captive insurer applications and insurers’ proposals for business-plan changes, assists with monitoring Nevada domestic companies’ financial condition, provides input on financial examinations, and frequently responds to inquiries regarding Nevada insurance statutes and regulations.
Mr. Stolyarov has developed reports for the Nevada Legislature and informational materials for consumers, and spearheaded the first initiative in the United States to publicly post insurers’ home and private passenger automobile policy forms on a State website. Mr. Stolyarov actively participates on NAIC Task Forces, which have, at various times, included the Casualty Actuarial and Statistical Task Force, the Surplus Lines Task Force, the Reinsurance Task Force, and the Workers’ Compensation Task Force.
Peter Strauss has been a workers' compensation professional since the 1980's. He has worked on or in over 30 US workers' compensation systems in that time, either as a lobbyist for the insurance industry or as a regulatory and public affairs officer for NCCI. He has worked with the NAIC, IAIABC, NCOIL and the independent workers' compensation bureaus on public policy issues. He has worked with labor organizations, business, medical professionals and attorneys and has taught workers' compensation. He was one of the Operations Vice Presidents and the Compliance Officer for the Montana State Fund, an insurance company and is currently the Executive Director for the Montana Self Insurers' Association. He is on the Board of Directors for Valley Bank of Helena the Helena Farmers' Market, various charities and is an active member of the National Ski Patrol. His predictions from his AICP presentations have been about 50% accurate and therefore advises attendees to bring a coin to flip.
After a short litigation career, Leslie joined the CA Department of Insurance Legal Division in 1994. She is Assistant Chief Counsel for the Policy Approval Bureau and lives in San Francisco.
Elizabeth Tosaris has 30 years of insurance regulatory and insurance litigation experience. Her clients include a wide variety of insurers, HMOs, insurance producers, and other entities regulated by Departments of Insurance and similar government agencies. Elizabeth regularly advises clients on achieving compliance with insurance statutes and regulations, implementing claims and underwriting procedures and developing marketing strategies. Elizabeth also advises clients in connection with major transactions, such as mergers and acquisitions of insurers as well as securities issuance.
Andrea Toth serves as the Field Rating and Underwriting Bureau Chief in the Market Conduct Division of the California Department of Insurance (CDI). She joined the CDI as a market conduct examiner where she spent 12 years traveling to insurance company offices across the country to examine the rating, underwriting, and sales practices of insurers doing business in California. In 2013 she joined the CDI management team. As Bureau Chief, Andrea is responsible for managing and directing the work of field staff engaged in conducting examinations of the rating and underwriting practices of all insurers licensed in the state of California. Andrea also lends her perspective and expertise to the area of senior protection and to the legislative process regarding market conduct and consumer impact.
Andrea received the MCM designation from the Insurance Regulatory Examiners Society (IRES), has been a frequent speaker on market conduct topics at events held by IRES, the Association of Insurance Compliance Professionals, and local CPCU chapters, and is a graduate of Pepperdine University.
Nolan Tully advocates for insurance and financial services clients facing challenges in various aspects of their businesses. Nolan assists life, long-term care and disability insurers as well as annuity issuers with product development, regulatory compliance, and dispute resolution and litigation.
Long Term Care Insurance
Co-chair of the firm’s long-term care insurance (LTCi) practice, Nolan assists clients with issues relating to product development and marketing, policy wording, regulatory approval, claims review, complaint handling, premium rate issues, block closure, market conduct exams, litigation avoidance and predispute consulting, individual and class action litigation, and insolvency/liquidation issues. He also represents carriers in the sale, acquisition or reinsurance of long-term care insurance blocks. Additionally, Nolan assists carriers with life insurance and annuity combination products that include chronic illness coverage. He also represents third-party administrators in all aspects of LTCi administration.
Nolan frequently writes about LTCi issues and is asked to present to carriers and industry groups. Active in industry groups, Nolan consults with clients on innovations in care delivery and management, proactive policyholder engagement to improve health outcomes, regulatory and legislative changes to allow the market to respond better to the elder-care population, improvements to the rate increase application and approval process, and new concepts for effectively covering the next generation of long-term care needs.
Life and Disability Insurance
Nolan assists life insurers and annuity issuers with regulatory compliance, dispute resolution and litigation. He counsels clients on fraud detection and investigation policies and procedures, suitability issues, fraud reporting requirements, anti-money-laundering and Office of Foreign Asset Control compliance, policies and procedures governing brokers and agents, sales practices issues, and compliance with federal and state regulations related to the sale of cannabis products.
In the event of disputes, Nolan represents life and disability carriers nationwide in life insurance, disability insurance and annuity litigation. He defends insurers in lawsuits involving cost of insurance issues, sales practices, suitability, material misrepresentation and rescission, lapse, insurable interest, fraud and premium financing issues.
Nolan advises clients on statutes of limitations debts, collectability issues, expired judgments, Fair Debt Collection Practices Act (FDCPA) compliance and Consumer Financial Protection Bureau (CFPB) compliance. He also represents clients in privacy and cyber liability compliance, including data breach response programs and the Gramm-Leach-Bliley Act.
Eric has had a lengthy career in the Insurance Industry having worked in all aspects from sales, service and compliance, With over 15 years in the Department he has built relationships with several attorneys, compliance officers and industry personnel. He is very good at maintaining balance between work and home life and does not miss an opportunity to travel. An avid sports fan he is a valuable addition to any trivia team and will do his best to make you laugh. He has succeeded in getting both kids through college and will "soon" have the youngest graduate law school.
I have been an insurance regulator for the State of Oregon since 1996, and my insurance experience began in 1976. I have done everything except be a claims adjuster. The majority of my time is spent with property and casualty, both personal and commercial lines; however, I also have experience with Health and Life insurance products. I am also a "SME (subject matter expert)" for several miscellaneous product areas (e.g. GAP insurance, service contracts, Legal Expense insurance, Title, Mortgage, Stop Loss, Provider Excess and Travel insurance).
Margie Webber currently serves as a Regulatory Director of Compliance for RegEd and is a subject matter expert in regulatory compliance, risk management, regulatory and legislative change management, governance, licensing and registration matters for broker-dealers, investment advisers, insurance agencies, insurance carriers and producers. In addition, Margie serves as Governance Chair on the Securities & Insurance Licensing Association's (SILA) Executive Board.
Geoff Werner is the Managing Member of Werner Advisory and a Casualty Actuarial Society (CAS) board member. During his 30+ year career he has held a variety of positions at two top 10 property & casualty insurers, two global consulting firms and a leading telematics service provider. He is an insurance pricing expert as evidenced by co-authoring the text the CAS uses to teach ratemaking to all actuarial candidates. During his career he has been on the forefront of insurance innovation being an early pioneer in predictive modeling and telematics.
Scott Whitaker is the Director of Product Design with Perr&Knight. In this position, he is responsible for management of the Product Design practice area. Scott oversees the services provided by the Property & Casualty and Accident & Health product design teams including product development, policy form content reviews, compliance reviews, competitor form comparisons and regulatory compliance research. He also leads the work associated with compliance testing and operational gap analysis services.
Scott joined Perr&Knight in 2020 bringing more than 25 years of experience in the insurance industry. Just prior to joining Perr&Knight, he was the Regulatory Compliance Manager and Assistant Secretary at EMC Insurance Companies. Before EMC, Scott spent 20 plus years at Nationwide Insurance in Claims and Compliance. He also worked at Marsh/Mercer as an Operations Manager for Life and Health Employee Benefits.
Scott’s expertise and professionalism is evidenced by his position on the Association of Insurance Compliance Professionals (“AICP”) Board of Directors. He is a frequently requested speaker at AICP annual conferences and E-Days. He also serves a Director on the Insurance Regulatory Examiners Society (“IRES”) Foundation’s Board. Scott holds his Market Conduct Management (“MCM”) designation and attended Wright State University where he studied Business Administration.
Matt White, co-chair of Baker Donelson's Financial Services Cybersecurity and Data Privacy Team, regularly advises clients on a wide range of cybersecurity and data privacy matters, including compliance, training, incident response, regulatory investigations, and litigation. Matt is a Certified Information Privacy Professional (CIPP/US, CIPP/E) and a Certified Information Privacy Manager (CIPM). Matt is also a Payment Card Industry Professional (PCIP). His practice focuses on representing financial institutions, including banks, credit unions, insurance companies, investment advisory firms, broker-dealer firms, and other highly regulated businesses. He counsels clients on all aspects of privacy and cybersecurity, including litigation and breach response, privacy compliance, transactional diligence, and the defense of regulatory actions.
Brett has led Risk and Actuarial at Ethos Life since joining in 2019.
Before that, he was the chief financial officer of the Latin American division of Old Mutual, an international financial services group with roots in South Africa. Previously, Brett was the chief actuary of Old Mutual-Guodian, a life insurance joint venture headquartered in Beijing, China, where he oversaw a significant expansion and diversification of the company’s product offerings.
Brett started his career in Old Mutual’s African operations. During this time, he worked as the appointed actuary of Old Mutual’s life insurance company in Zimbabwe, preserving company solvency during one of the most severe hyperinflationary environments in the country’s history. He has served on the boards of various Latin American and Asian financial services companies.
Brett holds a BS in Actuarial Science from the University of Cape Town and a MS in Management from the Stanford Graduate School of Business. He is also a fellow of both the Institute & Faculty of Actuaries and the Society of Actuaries.
Scott D. Wollney is President, Chief Executive Officer, and a director of Atlas Financial Holdings, Inc. (OTC: AFHIF). Atlas is a specialty P&C provider with multiple business units strategically focused on specialty commercial auto, leveraging technology and analytics. Scott is an MBA graduate of Northwestern University’s Kellogg School of Management with a concentration in finance and management strategy, and he holds a B.A. from the University of Illinois.
Mark has served as a deputy commissioner since August 2018. He was first the deputy commissioner for the Regulatory Policy Division and in September 2019 he became the deputy commissioner for the Property and Casualty Division.
Property and Casualty Division, Deputy Commissioner. Mark joined the Texas Department of Insurance (TDI) in 1996 as an examinations coordinator and then worked on special projects for the Regulation and Safety Program. He has served as a manager for the Commercial Lines Program and the Personal and Commercial Lines Office. In 2015, he became the associate commissioner for the Regulatory Policy Division.
Before joining TDI, Mark worked for the insurance brokerage company, Alexander & Alexander Services Inc., and Jardine Insurance Brokers in San Francisco.
He has a Bachelor of Business Administration in management from Texas A&M University.
Patricia Lauren D. Zuniga is a Compliance Consultant at Lincoln Financial Group, providing compliance support to the Absence Management, Statutory Disability and Accommodation Services products. Trish joined Lincoln in 2016, where she serves as a subject matter expert for leave laws and regulations such as FMLA, USERRA and state PFML. She graduated with law degrees from The George Washington University Law School and the Ateneo de Manila University School of Law, and earned the professional leave management designation of Certified Leave Management Specialist from the Disability Management Employer Coalition in 2018.