Data Real Estate

George Seal

*** ******* ****** *** *** D Phone: 410-***-****

Towson, Maryland 21204 Cell: 347-***-****

******@*****.***

Executive Profile

Financial services professional with more than 30 years’ experience in the insurance industry. Expertise as

a financial analyst, and in managing financial projects. Concurrently, extensive experience in managing

sophisticated Oracle and FOCUS databases, including all aspects of data management and design. Highly

motivated. Excellent communications skills. Extensive project experience expanding business and/or

system capabilities, often under extreme deadline pressure.

Skill Highlights

Financial Management Technical Management

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Business plans and forecasts Liaison between business and technical

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All aspects of financial management functions

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Actuarial needs for investment data Extensive experience with data design, data

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Special projects in support of financial analysis

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initiatives from Senior Management Data loading, data scrubbing, ongoing

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management and usage of financial systems

Professional Highlights

● Managed sophisticated Oracle database containing detailed information for a variety of assets

totaling $50 billion. Overall responsibility for data design. Designed and implemented detailed checks

for financial information, plus reasonability checks for non-accounting information. System was used

for all aspects of financial management.

● Working as financial analyst and programmer, developed a system to analysis alternative strategies

for holding or liquidating a $3 billion real estate portfolio. System was subsequently in regular use for

more than 15 years.

● Under intense pressure for more detailed analysis, designed and implemented an APL-based

system, based on never-before-integrated information pulled from “data silos” around the company.

In the difficult economic environment of the early 80’s, the system was put to use instantly for

product profitability, market-based pricing of services, financial plans and variance analysis.

Work Experience

2007-2012 Vice President, AXA-Equitable, Office of the Chief Financial Officer

Business experience: Drawing on extensive Statutory knowledge, streamlined and modernized

numerous Statutory processes, including ownership by business line, reserving process for participating

products, and deferred acquisition costs. Successfully converted annual processes to quarterly with no

increase in staff.

Technical experience: Developed new streamlined Oracle database for invested assets, resulting in easier, less

time-consuming administration. Simplified data structure, designed new data checks, executed on unit

acceptance testing.

1992-2006 Vice President, AXA-Equitable, Office of the Chief Investment Officer

Business experience: Implemented process for investment income plans and forecasts. Created and continually

improved quarterly analysis process. Worked on numerous task forces to resolve problems in various

troubled asset classes, notably real estate and junk bonds. Effected improvements to various parts of

the financial process. Managed unit size from 25 people to 5 over a several year period, mostly though

automation of functions.

Working as financial analyst and programmer, developed a strategy to sell or retain each property in a

$3 billion dollar portfolio. Freed up $600 million of much-needed capital.

Technical experience: Developed an Oracle database of invested assets against a Y2K deadline.

Managed needed data expansions, either on a planned or a crisis basis. Designed sophisticated checks

of accounting and non-accounting information with the goal of having all data immediately useable.

Made extensive use of Business Objects as a query and reporting tool.

1986-1991 Assistant Vice President, Equitable Life, Asset Policy Office

Business experience: Implemented an investment projection process which was the precursor to later

financial plans and analysis efforts. Provided detailed data and analysis to potential buyers of Equitable.

Numerous projects to support Equitable conversion to a stock company, and subsequently to provide

asset data and explanations to AXA France, which acquired Equitable Life.

Technical experience: Triaged a FOCUS database of invested assets, making it timely and more

accurate. Dropped a large portion of database which had no natural users. Added numerous data feeds

to complete database and make it useable. Identified and added key non-accounting information to

enhance overall data usefulness.

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1980-1985 Manager, Equitable Life, Pension Operations Area

Business experience: Identified product profitability at a detailed level. Implemented changes to better

align financial processes with financial goals. Designed and implemented a new fee schedule which

was far less complex and which generated an additional $3 million per year of revenue. In addition, new

fee scheduled separated fees charged of flagship Real estate product, enabling direct comparison to

competitors. Designed and implemented a new compensation schedule which paid sales force based

on profitability rather than volume.

Technical experience: Developed APL application to join data from various “data silos” around

Equitable, and produced product profitability analysis. Extensively scrubbed data sources to resolve

discrepancies and to establish shared definitions. APL application became the analytical engine to

support changes in Pension Operations.

1978-1980 Financial Analyst, Equitable Life, Product Development

Business experience: Built a model to determine fee schedule which would apply to the new product.

Expanded model to work with company financial planning process, and to predict budget requirements

of the newly-formed unit. Built staff to support the new product and established procedures to be

followed in daily operation and monthly closes. New product eventually generated over $1 billion of new

assets.

Technical experience: Worked with IT consultants to create a dictionary of data elements to be used by

the new system, and specified mathematical relationships between various data elements. Developed

comprehensive test plan to ensure all aspects of system accuracy. Worked intensively with

programmers to implement system.

Technical Databases: Oracle, FOCUS, some Access. Data handling; Oracle Analytics, Business Objects, Excel,

APL, Purl (basic), SQL (basic).

Education

2007 Center for Creative Leadership, Greensboro, North Carolina

One of a number of AXA senior managers to participate in CCL’s Leadership Development Program. Program

goal was to give AXA managers better insight into their own individual strengths and weaknesses, and

to understand how best to manage in the difficult environment confronted by AXA both in the US and

elsewhere.

1995 AXA University, Bordeaux, France

Week-long course offered by AXA to Senior Managers from various subsidiaries around the globe. Goal

was to educate managers as to AXA’s goals, AXA values and the corporate culture, and to encourage

risk-taking.

Student, 1995; Instructor 2005-2006

1974-76 University of Maryland, College Park, Maryland

Courses in General Business, emphasis on Finance

Personal Married thirty-three years, two grown children

Hobbies include reading and collecting. In addition, I read and speak French well.

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