MIKE NORTH

**** *. ***** *** • Sioux Falls, South Dakota 57108

abmrki@r.postjobfree.com • 605-***-**** • alt 605-***-****

Vice President, Chief Financial Officer

Objective: To mentor others, interface with internal and external customers, and manage

employee benefits to achieve corporate goals.

I am an extensively experienced and goal-oriented health insurance professional with a

demonstrated track record of leading risk management activities in the health insurance and

reinsurance industry. Proven creativity in managing benefits through in depth benefit analysis,

and risk selection/avoidance even with poor data. Continued driving of efficiency and

productivity through evaluation of of process improvements. Extensive experience in managing

full suite of employee benefits. leading and development of new products and opportunities to

ensure continued market uniqueness and profitability. Core competencies include:

• Alternate • HMO Underwriting • Technology Integration

Risk

• Individual • Risk Management

Scenarios

• Financial Analysis • Product Development

Underwriting

• Forecasting • Stop • Broker Relationships

Loss

• Assessing Unique Risks Underwriting

• ASO Consulting

CAREER EXPERIENCE

DAKOTACARE, Sioux Falls, SD, 2007 – May 2010

VP, CFO

Direct risk functions including development of premium rates, renewal approach, product

development, and monitoring. Oversee Underwriting, Enrollment, COBRA, TPA, & HMO

Reinsurance services, Accounting, and Flex. Responsibilities include all aspects of company’s

reinsurance, including evaluation of reinsurance arrangements for TPA clients. Provide consulting

services to TPA groups, as well as large insured employers, consultants, brokers to achieve goals.

Product enhancement and creation to insure continued market differentiation while maintaining

profitability. Interact with the Board of Directors and President concerning financial forecasts and

reports.

Key Achievements

Act as lead underwriter on all lines of business.

Contracted with outside HMO to provide Individual product platform and underwriting

services.

Developed group and individual products marketed in the fall 2010.

Integrated data mining software with disparate underwriting applications to drive key analysis.

Sought out unique stop loss arrangement with outside carrier to enter new markets.

Continued success in risk structures ensuring profitability.

Underwrote and maintained several association plans.

Continued…

MIKE NORTH • Page 2

Career Experience Continued

DAKOTACARE, Sioux Falls, SD, 2005 – 2007

Vice President of Risk Management

Oversight of Underwriting, Enrollment, COBRA, TPA & HMO Reinsurance Services. Managed and

developed product pricing relative to risk and market positioning to ensure profitability. Built and led

teams in carrying out special projects, as well as development of highly skilled managers to take on

additional responsibilities.

Key Achievements:

Act as lead underwriter on all lines of business.

Largest underwriting margin in the history of the organization.

Designed & led implementation of several new products.

Designed & led implementation of entire new line of business.

Developed new processes which reduced staffing needs.

Led the dissolution of offshore captive arrangement.

DAKOTCARE, Sioux Falls, SD, 2002 – 2005

Director of Underwriting

Directed underwriting staff to achieve consistent profitability through development of policies and

procedures, and approach to market dynamics. Prepared and led rate development of existing products.

Developed, and managed toolsets to assist Marketing to heighten their relationships with TPA clients.

Worked in collaboration with multi-disciplinary departments to ensure accuracy, compliance, and

integrity of financial performance in support of overall business objectives.

Key Achievements:

Act as lead underwriter on all lines of business.

Rebuilt the Underwriting department

Implemented entirely new approach to pricing including purchased and internally developed

software.

Developed staff to achieve consistent underwriting goals.

Brought book of business back into compliance with regulatory statute.

Consistently exceeded deadlines while demonstrating strong analytical and problem-solving

skills to achieve corporate objectives.

Professional Associations: SIIA, AHIP, SPBA

EDUCATION

Bachelor of Business Administration, Finance (1995)

UNIVERSITY WISCONSIN WHITEWATER – Whitewater, Wisconsin

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