Insurance Management

KRISTINE TEJANO RICKARD, ESQ.

*** ******* ****

Canton, CT 06019

e-mail: **************@*****.***

Mobile 773-***-****

PROFILE

Broad legal and insurance background with more than fourteen years of

experience in insurance coverage, management, and professional liability

underwriting. An organized and confident executive with strong leadership,

oral and written communication skills and tremendous attention to detail.

Recognized for interpersonal skills and ability to effectively communicate

amongst various divisions within an organization. Ability to assess all

issues and complete projects producing focused results while adhering to

rigid deadlines.

LEGAL EXPERIENCE

XL Insurance Hartford, CT

April 2006 to present

Vice President - January 2008 to present

. Manage Private Company Management Liability and Employment Practices

Liability claims unit.

. Expanded staff from two to eleven attorneys. Directly responsible for

all training, education and mentoring.

. Confer with claim staff where they seek reserve and settlement authority

in excess of $100,000. Handle case load of more complex matters from

inception to resolution. Attend mediations and other proceedings

relevant to the matter. Oversee all coverage litigation for private

company claims. Ensure coverage counsel nationally is in compliance with

corporate litigation management guidelines.

. Prepare coverage opinions for business unit and reports for the Operating

Committee and reinsurers regarding projected losses in excess of $5

million and strategies for resolving same.

. Conceptualized, implemented and conduct weekly meetings with underwriting

staff and senior management targeted at identifying policy language

weaknesses and coverage issues for early identification of loss trends.

Advise underwriters on interpretation and application of policy

provisions.

. Assume lead role for presentations to reinsurers regarding loss trends

and their long-term financial impact on the book of business. Serve as

liaison with actuarial, underwriting and reinsurance divisions.

Claims Counsel - April 2006 to December 2007

. Analyzed, investigated, negotiated and resolved high severity and complex

public company directors and officers liability claims and employment

practices liability claims with moderate supervision, making

recommendations to senior management when necessary. Directly

responsible for case load in excess of 200 files.

. Conducted coverage analysis, damage and liability assessments, and

provided settlement rationale. Identified and reviewed each

jurisdiction's applicable statutes, rules and case law. Managed outside

counsel in various jurisdictions nationally. Prepared claim reports for

senior management for claims with settlement value in excess of $5

million. Negotiated ultimate settlement.

. Responsible for oversight of stock options backdating claims for

Commercial and Financial Institutions books of business for settlement

trends and overall financial impact to company.

. Developed training materials and trained new hires. Reviewed new hires'

initial coverage analyses.

Sedgwick, Detert, Moran & Arnold LLP Chicago, IL

September 2000 to March 2006

Attorney

. Served as national claims counsel, coverage counsel and reinsurance

counsel for a variety of insurance and reinsurance clients. Managed

lawsuits involving lawyers, directors and officers, including federal

securities claims, nationwide. Researched regulatory issues and claim

trends.

. Directed semi-annual reinsurance audit of over 900 directors and officers

liability and securities claims with total reserve recommendations in

excess of $1.2 billion. Tracked claims in Access database. Engaged in

extensive client contact, attended meetings and participated in business

development activities. Worked closely with senior partners, in-house

claims handlers and client senior management to address claim trends,

minimize policy ambiguities and make recommendations regarding

underwriting practices.

KRISTINE TEJANO RICKARD, ESQ.

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. Oversaw and managed national legal malpractice claims program, including

managing outside defense counsel, serving as claims counsel in

mediations, preparing quarterly reports regarding liability analysis,

drafting policy language in conformance with state compliance, presenting

seminars to clients regarding claim trends, and advising clients on

reinsurance matters. Directly responsible for claim settlement.

. Participated in Chicago Volunteer Legal Services Pro Bono program

representing children before the Cook County Illinois Probate Court as

Guardian Ad Litem.

Wilson, Elser, Moskowitz, Edelman & Dicker LLP Chicago, IL

May 1999 to July 2000

Law Clerk (offered position for full-time employment)

. Assisted in coverage analysis of directors' and officers'

and corporate liability.

. Researched issues, wrote memoranda and drafted client reports regarding

corporate liability, product liability, and employment discrimination

matters.

Bellows & Bellows P.C. Chicago, IL October

1998 to May 1999

Law Clerk

. Conducted extensive legal research and drafted legal memoranda on issues

of securities fraud, employment discrimination, and various commercial

and financial transactions.

OTHER INSURANCE EXPERIENCE

Zurich-American Insurance Group New York, NY

October 1995 to June 1997

Underwriter - Executive Assurance Directors' and Officers' Liability

Insurance

. Analyzed large public corporations for potential securities lawsuits

resulting from adverse earnings reports, corporate mergers and employment

layoffs. Transactions reviewed included public offerings, debt

restructurings, bankruptcies, reorganizations, and mergers and

acquisitions.

. Responsible for managing $11 million book of business for

the California and Chicago markets.

. Communicated directly with client senior management to evaluate business

transactions and determine liability programs.

Reliance National New York, NY

September 1993 to October 1995

Underwriter - Financial Institutions/Financial Services Professional

Liability Insurance

. Selected as one of two participants in pilot Risk Management Program.

Extensive internship involved rotations through all underwriting

divisions within the insurance company and internships with senior

management in the reinsurance, finance, marketing and operations

divisions.

. Evaluated financial performance of banks, mutual funds and insurance

companies for potential liability resulting from public filings.

Directly responsible for maintaining $6 million book of business.

EDUCATION

DePaul University College of Law Chicago, IL

Juris Doctor, June 2000

. Recipient of Student Service Award for Class of 2000

. Student Bar Association Executive Committee - Secretary;

Vice President of Special Events

. Co-founder and Vice-President of DePaul Business Law

Society

. Asian-American Law Student Appointee to Dean's Committee

for Diversity

University of Pennsylvania Philadelphia, PA

Bachelor of Arts in Communications, May 1993

. All Major course work in the Annenberg School for

Communications

. Vice-President of the University of Pennsylvania Student Federal Credit

Union - elected to Executive Committee of nation's largest student-run

credit union, with over $7 million in assets at the time

. Social Planning and Events Committee Co-Chair; Student

Ambassador for Admissions Office

KRISTINE TEJANO RICKARD, ESQ.

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ADMISSIONS

Connecticut State Bar, 2009, Northern District of Illinois, 2001, Illinois

State Bar, 2000 (inactive)

SPEAKING ENGAGEMENTS AND ARTICLES

"How Defense Counsel and EPL Claims Handlers Can Work Together to Minimize

Damages in Employment Cases," National Employment Practices Liability

Insurance ExecuSummit, Speaker (September 22, 2010)

"The Best and Worst Jurisdictions for Insurers and Policyholders,"

American Bar Association Mid-Year Meeting, Tort Trial and Insurance

Practice Section, Panelist (February 28, 2009)

"Professional Liability Insurance In The Private Equity And Venture

Capital Market," Financier Worldwide (January 2010) (co-authored with

Robert Martin and Ed Perry)

INTERESTS

Member of the Junior League of Hartford. Enjoy traveling, music and

watching professional sports.

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