Management Risk

Summary of Qualifications

Operations Leader ( P&L Administration ( Budget Oversight (

Underwriting Guidance ( Risk Management (

Claims Supervision ( Sales & Marketing Strategist ( Product Development

( Product Management

. Executive with across-the-board Property & Casualty (P&C) insurance

agency and company experience successfully designing and implementing

processes necessary to manage insurance risks in the areas of

underwriting (including pricing), claims, risk management, sales and

marketing and financial management ascertaining thriving outcomes.

. Proven ability to develop, implement, and manage dissimilar

organizations, grow revenues and reduce expenses through process

improvements and consolidation strategies.

. An analytical, interpretive and evaluative thinker with the ability to

build supportive relationships and grow shared goals (achieving forward-

thinking objectives) across multiple disciplines.

Selected Highlights

. Created, designed and advanced two (2) commercial insurance products that

realized profitable revenue growth (primarily due to risk management) of

$56,000,000 in gross written premium within 3 years of start-up.

. Spearheaded financial due diligence for 5 acquisitions values in excess

of $50,000,000.

. Collaborated on the design and development of 10 P&C (commercial and

personal lines) programs/products, including business plans, underwriting

guidelines and templates, rate and form filings, claims processes, risk

management strategies, financial projections and marketing plans.

. Formed innovative core curriculum devoted to providing loss mitigation

safeguards to clients receptive to reducing risk and creating financial

success.

. Reduced overall expenses by over 12% through increased use of automation

and streamlined logistics.

Career Summary

United Services Automobile Association (USAA) - Sr. Product Manager 2008-

present

Effectively set Profit & Loss for various states, strategic planning,

product development, and risk management. In charge of a team of 13 to

create, develop and deliver the underwriting strategy and product/revenue

growth objectives necessary to meet organization's goals and objectives.

Build deep-seated relationships with key personnel across the enterprise

organization, including the Executive Council, Bank, Military Affairs,

Legal, Marketing, International, and Enterprise Pricing & Underwriting.

Communicate performance strategy to executives and council members that

illustrate beneficial results. Develop and analyze effective and efficient

techniques needed to alter trending P&C insurance risk lines of business,

including the probability for loss.

The Beat on Insurance Agency - President/Founder 2005-2008

Generated increased revenue/profitability. Focused on customized insurance

lines of business with a focus on loss risk tolerance and receptive loss

mitigation. Led the execution of various advertising, direct-mail and

telemarketing initiatives. Brought efficiencies by creating and developing

a customized website along with CRM to improve effectiveness.

Advocate, MD Insurance of the Southwest, Inc. - Chief Operating Officer /

Chief Financial Officer 2004-2005

Oversaw all phases of Medical Professional Liability insurer's accounting

and finance, including investments, financial reporting, audit, tax,

compliance, budgeting and regulatory compliance including NAIC, state

insurance departments, and financial ratings organizations. This includes

reporting on both a U.S. GAAP and SAP basis, including annual management

discussions and presentations.

- Reorganized core business strategies with the aid of various business

process workflows.

- Conformed underwriting (and rate filings) for profitability, drawing on

actuarial studies and loss patterns.

- Managed the day to day operational functionality across the organization.

Advanced Insurance Management eSolutions, LLC - Senior Managing Consultant

2002-2004

Provided expert commercial and personal lines protection to clients (small,

regional & national accounts) in the areas of risk management, operations,

finance/accounting, underwriting, claims, product development, marketing,

and compliance. Led the development, implementation, and quality control

review of risk management techniques and loss prevention controls along

with presenting training programs designed to limit a policyholder's risk.

Directed key initiatives to address product strategy, growth, and

profitability objectives.

- Conducted the financial due diligence for 3 acquisitions that increased

various client's revenues by over $40,000,000.

- Streamlined underwriting, claims, risk management, marketing, accounting

and customer service processes.

- Analyzed premium and loss trends, competitor actions, and

market/regulatory changes necessary to guide the client in a beneficial

direction.

HireCheck Incorporated (NASDAQ: FADV) - Vice President of Finance and

Controller 2000-2002

Sustained accountability for all aspects of corporate financial and SEC

reporting; mergers and acquisitions administration; asset management; and

cash flow control. Directed the continuous improvement of financial

budgeting and reporting processes.

- Developed simplified reporting approaches that improved data

consolidation from 25 days to a 3 day closing process.

- Reduced employee turnover 20% by directing personnel training and

mentoring junior staff accountants.

- Increased cash flow 37.5% by implementing processes to reduce outstanding

receivables from 60 days to 35 days.

- Led financial due diligence for 2 acquisitions that increased company

revenues by over $10,000,000.

Underwriters Service Co., Inc. - Chief Operating Officer / Chief Financial

Officer 1989-1999

Directed all day-to-day operational functions and financial

responsibilities of the commercial lines organization across four (4)

corporate holdings -

. Underwriters Services Company (MGA/MGU),

. IRG (Program and Product Development),

. American International Consultants (General Agency), and

. Safety, Inc. (Risk Management/Loss Control).

Responsible for promoting profitable production by effectively

communicating product details, underwriting approach, pricing, and risk

management strategies.

- Designed and created new insurance products through extensive research

and competitor analysis.

- Planned, formed and applied focused risk management strategies each

designed individually for the insured to recognize lower costly insurance

while providing favorable results for the insurers.

- Managed strategic planning, sales and marketing, project management and

budget development as well as oversaw 5 Division VPs with 48+ employees.

- Lead key initiatives to address the product strategy, growth and

profitability objectives.

- Assisted in the growth of two (2) commercial programs from startup to

$56,000,000 GWP within three (3) years.

Education

Working towards CPCU (expected by 4th Qtr 2011; 2 exams passed)

Working towards MBA, Colorado Christian University (expected by 4th Qtr

2011; 18 hours complete)

Thomas Edison State College, Accounting [Feb 2008]

University of Tennessee, Political Science [Dec 1983]

Addendum to Summary of Qualifications for Insurance Specific Proficiencies

Summary of Programs/Products Developed

Hazardous Materials Transportation (Commercial Auto) ( Small Fleet

Transportation (GL, Property, Auto & Works' Comp) ( Automobile Dealers

( Public Officials & Law Enforcement Professional Liability (

Governmental Entity Package (GL, Property & Workers' Comp) ( Poultry

Property ( Medical Professional Liability ( BOP

RISK MANAGEMENT/LOSS CONTROL EXPERTISE - trained, by insurer and reinsurer

professionals, on the meaning and value of risk management programs as a

means of preventing losses through loss control. As a result, assisted

organizations, entities and/or insureds in developing, organizing and

utilizing risk management processes and procedures with the probability of

decreasing unforeseen losses and the impact of those that do occur.

UNDERWRITING & CLAIMS EXPERTISE - trained by experienced and seasoned

insurer and reinsurer professionals, on the fundamentals of underwriting

and adjusting claims. This included evaluating a risk's exposure to claims

and losses along with the risk management practices and procedures to

prevent, reduce, avoid, or transfer potential liabilities arising from

claims. In addition, skilled in valuing a risk for a policy's limits of

liability as well as attaching a proper deductible or self-insured

retention. Thus, was successful at achieving and delivering profitable

financial results (combined loss ratios) that met or exceeded the company's

overall performance objectives.

PROGRAM/PRODUCT DEVELOPMENT - assisted in the development and execution of

innovative and standardized commercial lines program(s) and product(s).

Coordinated work with functional groups such as legal, compliance,

actuarial, underwriting, claims, risk management, marketing, and

operations. In addition, drew clear lines of responsibility and

accountability, not only to manage product development but also for the

financial performance of the program(s) and product(s). Aided in the

planning the process from the initial concept through sales and marketing,

underwriting, risk management, claims adjusting and reporting.

INFORMATION TECHNOLOGY EXPERTISE - trained, by insurer and reinsurer

professionals and consultants on how to manage existing data-handling

systems and developed new systems to improve production and work flow.

Lead and trained computer programmers and equipment technicians by

defining, implementing and maintaining technology solutions as components

of the business strategies.

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