Insurance Management
Resume:
RICHARD A. DERRIG
Page *
January, ****
RICHARD A. DERRIG, Ph.D
PROVIDENCE,
RHODE ISLAND, 02906
401-***-**** (Voice)
401-***-**** (Cell)
abo9pz@r.postjobfree.com
EDUCATION: 1970 Ph.D., Mathematics, Brown University, Providence, RI
Thesis: C*-Algebras of Multipliers and Operators Induced by Measure Preserving
Transformations.
1964 M.Sc., Mathematics, Brown University, Providence, RI
Thesis: Random Ergodic Theorems.
1962 B.S., Mathematics, St. Peter's College, Jersey City, NJ
Thesis: Arithmetic Operations in Digital Computers.
PROFESSIONAL EXPERIENCE:
OPAL Consulting LLC
Providence, Rhode Island
2004 - Present President
OPAL Consulting LLC provides research and regulatory support to property-
casualty insurance clients. Principal areas of expertise include financial pricing
models, database and data mining design, fraud detection planning and
implementation, and expert testimony for regulation and litigation purposes.
See www.derrig.com.
Automobile Insurers Bureau
Boston, Massachusetts
1991-2004 Senior Vice President
Responsibilities: Overall management of automobile actuarial and statistical
departments. Project management for some technical aspects of AIB filings
including cost containment and underwriting profit. Direction and coordination
of research projects. Design of Auto Injury Claim Database.
Areas of research: investment income and profitability, claim cost forecasting
methods, risk measurement of P/C insurance companies, auto bodily injury
claims, applications of fuzzy set theory, surplus levels and risk loadings, pricing
of tax-exempt securities, rating territories and fraud.
RICHARD A. DERRIG
Page 2
Insurance Fraud Bureau
Boston, Massachusetts
1991-2004 Vice President Research
Responsibilities: Overall management of the research functions of the Fraud
Bureau since its inception in 1991. Database assembly and design, analysis of
case types and information flow, management reporting systems, prosecution
outcomes, and investigation support are the major projects. Maintenance of the
Insurance Fraud Research Register, an annotated bibliography of insurance
fraud research worldwide.
Fox School of Business
Temple University
Philadelphia, Pennsylvania
2008-2012 Visiting Professor, Dept. of Risk, Insurance, and Healthcare Management
Responsibilities: Provide assistance and expertise to the research and
educational mission of the department.
Wharton School
University of Pennsylvania
Philadelphia, Pennsylvania
2006 (Spring) Adjunct Professor, Department of Insurance and Risk Management
Responsibilities: Teach an undergraduate/MBA course in insurance markets
and management.
2004 - 2007 Visiting Scholar, Department of Insurance and Risk Management
Responsibilities: Three year appointment to conduct research for a book on
Fraud and to provide guest lectures as appropriate.
2002 Senior Fellow, Department of Insurance and Risk Management
Responsibilities: One semester appointment to provide guest lectures in classes
and the faculty seminar. Develop extensive survey of Insurance Fraud
Research.
1994 Visiting Professor, Department of Insurance and Risk Management
Responsibilities: One semester appointment for research and guest classroom
lecturing in actuarial, graduate and executive education programs.
Organization of 4th International Conference on Insurance Solvency and
Finance. Dissertation committee for Ph.D. student.
AIB/Massachusetts Rating Bureaus
Boston, Massachusetts
1989-1991 Vice President - Actuarial Operations
1985-1989 Vice President - Research
1978-1984 Mathematician - Research Director
1976-1978 Mathematician
RICHARD A. DERRIG
Page 3
Wheaton College
Norton, Massachusetts
1975-1976 Associate Dean of the College, Lecturer in Mathematics
Responsibilities: Administration of academic advisory and various student
programs. Membership on Dean's Task Force on Program Development
and Funding. Grant responsibilities for NSF and USOE programs.
Wheaton College
Norton, Massachusetts
1969-1975 Assistant Professor of Mathematics
Taught a wide range of undergraduate mathematics courses.
Brown University
Providence, Rhode Island
1968-1969 Lecturer, Mathematics Department
1967-1968 Taught undergraduate mathematics courses
Summer 1969 Taught Masters Degree students
1967-1968 Research Assistant, Mathematics Department
Villanova University
Villanova, Pennsylvania
1964-1967 Instructor, Mathematics Department
Taught at both undergraduate and graduate levels.
Current Professional Interests:
Applications of mathematical models to valuation and forecasting
problems in economics, finance and insurance.
Current Professional Associations:
Mathematical Association of America
Pi Mu Epsilon
American Statistical Association
American Risk and Insurance Association
(Board of Directors 1992-1995, 2006-2009)
Risk Theory Society
International Association of Insurance Fraud Agencies
National Bureau of Economic Research Insurance Group
Casualty Actuarial Society (Chair, Committee on The Theory of Risk)
Current Publication Peer Reviewer:
Assurances (Canada) Editorial Board
Risk Management and Insurance Review Editorial Board
Journal of Risk and Insurance Editorial Board
Journal of Insurance Regulation
North American Actuarial Journal
RICHARD A. DERRIG
Page 4
Other: Insurance Fraud Research Register - organized continuing compilation of all
available insurance fraud research worldwide. IFRR is available at the
http://derrig.com/ifrr/ifrr.asp.
Ph.D. Dissertation Committee for graduate student at University of
Pennsylvania - 1993/1994.
Ph.D. Dissertation Committee for graduate student at University of Texas at
Austin - 1995/1996.
Ph.D. Dissertation Committee for graduate student at University of Leuven,
Belgium - 2001/2002.
Harvard School of Public Health Grant to study effect of seatbelt usage on
mortality and morbidity using insurance claims - 1999/2000.
Casualty Actuarial Society (CAS) and Insurance Research Council (IRC)
Grant to study discounting of insurance liabilities, cost of capital and
allocation of surplus with Professor J. David Cummins, Professor Richard D.
Phillips and Robert P. Butsic in the Risk Premium Project, 1999/2006.
National Bureau of Economic Research (NBER), Insurance Project
Workshops, 1998-2012.
Insurance Research Council (IRC), Fraud Committee, 1997-2003, Injury Study,
2004.
American Institute for CPCU, Advisory Committee, 2003-2009.
University of Warsaw, Poland, Actuarial Summer School Lecturer, 2010.
Casualty Actuarial Society, Committee on The Theory of Risk, Chair 2009-
2012
Prizes Casualty Actuarial Society, 1993 Ratemaking Seminar Call Paper prize (with
Herbert I. Weisberg)
Risk and Insurance Management Society (RIMS), 1998 Edith F. Lichota Award
Best Paper.
Casualty Actuarial Society, 2003, Bowles Symposium Prize Paper (with Elisha
D. Orr).
Casualty Actuarial Society, 2003, Best Paper in 2002, Journal of Risk and
Insurance (with Patrick L. Brockett, et.al.).
American Risk and Insurance Association, 2005, Mehr Award for Paper that
stood the test of time from JRI, 1995 (with Krzysztof Ostaszewski).
ARIA President s Award for service 1997, 2007
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RICHARD A. DERRIG
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EXPERT TESTIMONY
1. Automobile Insurance, AIB Massachusetts Division of Insurance (36), 1976-2007.
2. Workers' Compensation Insurance, Massachusetts Division of Insurance (8), 1977-1989.
3. National Association of Insurance Commissioners (2), Portland, Oregon and New Orleans,
Louisiana, 1994.
4. New York State Assembly Committee on Insurance, Public Hearing on Automobile Insurance
Fraud, March, 1993.
5. Kentucky Workers' Compensation Funding Commission, Workers' Compensation Educational
Conference, Lexington, KY, October, 1993.
6. U.S. District Court for the Eastern District of Pennsylvania, United States v. William S. Matura,
D.C., Criminal No. 03-738, July, 2004.
7. California Department of Insurance, Proposed Amendment of Title 10 of California Code of
Regulations, Section 2632.8 Optional Auto Insurance Rating Factors, CDI File #RH 03029820,
2005-2006.
8. California Department of Insurance, Proposed Prior Approval of Insurance Rate Regulations,
CDI File #RH 05042749, 2005 2007.
9. California Department of Insurance, Proposed Workshop on Prior Approval Variances, Statement
of The Doctors Company with Hilary N. Rowan, 2007.
10. Alberta Automobile Insurance Rate Board, Review of Profit Level for Automobile Industry,
November 2006.
11. Massachusetts Division of Insurance, Arbella Insurance, Docket R-2007-09, January 18, 2008.
12. California Department of Insurance, The Doctors Company, Prior Approval Regulation
Recommendation, Appendix 2, December 2008.
13. Massachusetts Division of Insurance, Massachusetts Property Insurance Underwriting
Association, Filing for Rates Effective 12/31/2009, Docket 2009-02, and Effective 12/31/2011
BOOKS
1. 1988, Classical Insurance Solvency Theory, J. David Cummins and R. A. Derrig eds., Kluwer
Academic Publishers, Boston.
2. 1989, Financial Models of Insurance Solvency, J. David Cummins and R. A. Derrig eds.,
Kluwer Academic Publishers, Boston.
3. 1991, Managing the Insolvency Risk of Insurance Companies, J. David Cummins and R. A.
Resume
RICHARD A. DERRIG
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Derrig eds., Kluwer Academic Publishers, Boston.
PAPERS (Peer-Reviewed Publications)
1. 1987, "The Use of Investment Income in Massachusetts Private Passenger Automobile and
Workers' Compensation Ratemaking, Chapter 6, J.D. Cummins and S.E. Harrington,
eds. Fair Rate of Return in Property-Liability Insurance, Hingham, MA, Kluwer-Nijhoff.
2. 1989, "Solvency Levels and Risk Loadings Appropriate for Fully Guaranteed Property-Liability
Insurance Contracts: A Financial View," Financial Models of Insurance Solvency, J.
David Cummins and R. A. Derrig Eds, Kluwer Academic Publishers, Boston, 1989.
3. 1991, with H.I. Weisberg, "Fraud and Automobile Insurance: A Report of Bodily Injury
Liability Claims in Massachusetts," Journal of Insurance Regulation, V9 (June), 497-541.
4. 1992, with H. I. Weisberg, "Massachusetts Automobile Bodily Injury Tort Reform", The
Journal of Insurance Regulation, V10 (Spring), 384-440.
5. 1993, "Price Regulation in US Automobile Insurance - A Case Study of Massachusetts Private
Passenger Automobile Insurance 1978-1990", The Geneva Papers on Risk and Insurance
No. 67 (April), 158-173.
6. 1993, with J.D. Cummins, "Fuzzy Trends in Property-Liability Insurance Claim Costs", Journal
of Risk and Insurance, V60, No. 3. 429-465.
7. 1994, with L. Krauss, "First Steps to Fight Workers Compensation Fraud", Journal of Insurance
Regulation, V12, No. 3 (Spring), 390-415.
8. 1994, with H.I. Weisberg and X. Chen,"Behavioral Factors Under No-Fault with a Monetary
Threshold: A Study of Massachusetts Automobile Claims", Journal of Risk and
Insurance, V61, No. 2, 245-275.
9. 1994, "Theoretical Considerations of the Effect of Federal Income Taxes on Investment Income
in Property-Liability Ratemaking", Journal of Risk and Insurance, V61, 4, 691-709.
10. 1995, with K. Ostaszewski, "Fuzzy Techniques of Pattern Recognition in Risk and Claim
Classification", Journal of Risk and Insurance, V.62, No. 3. 447-482. (Winner ARIA
Mehr Award, Best 1995 JRI Paper that stood the test of time, 2005).
with J. David Cummins, Symposium on Insurance Solvency and Finance, Journal of
11. 1995,
Risk and Insurance, V. 62, No. 3, 405-408 (September).
with K.M. Ostaszewski, Managing The Tax Liability of a Property-Liability Insurance
12. 1997,
Company, Journal of Risk and Insurance, V64, No. 4, 695-711.
with J.D. Cummins, Fuzzy Financial Pricing of Property-Liability Insurance, North
13. 1997,
American Actuarial Journal, V1, No. 4, 21-44 (October).
with P.L. Brockett and X. Xia, Using Kohonen s Self-Organizing Feature Map to
14. 1998,
Uncover Automobile Bodily Injury Claims Fraud, Journal of Risk and Insurance, V65,
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RICHARD A. DERRIG
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No. 2. 245-274.
with H.I. Weisberg, Quantitative Methods for Detecting Fraudulent Automobile Bodily
15. 1998,
Injury claims, Risques, vol. 35, pp. 75-101, July-Sept.
with K.M. Ostaszewski, Fuzzy Sets Methodologies in Actuarial Science, Chapter 16,
16. 1999,
(pp. 531-553), Practical Applications of Fuzzy Technologies, Hans-Jurgen Zimmerman
Eds, Kluwer Academic Publishers, Boston,(November).
Insurance Fraud and The Monday Effect in Workers Compensation Insurance,
17. 2001,
Assurances, 69:2, 183-201, July (winner of the RIMS 1998 Edith F. Lichota
Award.).
with P. L. Brockett, L.L. Golden, A. Levine, and M. Alpert, Fraud Classification Using
18. 2002,
Principal Component Analysis RIDIT s, Journal of Risk and Insurance, Volume 69, (3),
pp. 341-371, (winner of CAS prize for best JRI paper in 2002).
with K.M. Ostaszewski, and G.A. Rempala, Applications of Resampling Methods in
19. 2002,
Actuarial Practice, 2000 Proceedings of the Casualty Actuarial Society, Volume 87, No.
166, pp. 322-364.
20. 2002, Comments on Chapters 2 (Automobile Insurance Regulation: The Massachusetts
Experience) and 3 (Private Passenger Auto Insurance in New Jersey) in Deregulating
Property-Liability Insurance, J. David Cummins editor, Brookings Institute Press,
Washington, D.C.
with M. Sequi-Gomez, L. Liu, and A. Abtahi, The Effect of Population Safety Belt
21. 2002,
Usage Rates on Motor Vehicle-Related Fatalities, Accident Analysis and Prevention,
Volume 34 (1), pp. 101-110.
with S. Viaene, B. Baesens and G. Dedene, A Comparison of State-of-the-Art
22. 2002,
Classification Techniques for Expert Automobile Insurance Fraud Detection, Journal of
Risk and Insurance, Volume 69, (3), pp. 373-421.
Insurance Fraud, Journal of Risk and Insurance, Volume 69, (3), pp. 271-287.
23. 2002,
with V. Zicko, Prosecuting Insurance Fraud A Case Study of the Massachusetts
24. 2002,
Experience in the 1990 s, Risk Management and Insurance Review, Volume 5, (2), pp.
77-104.
with H. Weisberg, Determinants of Total Compensation for Auto Bodily Injury Liability
25. 2004,
Under No-Fault: Investigation, Negotiation and the Suspicion of Fraud, Insurance and
Risk Management, Volume 71, (4), pp. 633-662.
with S. Viaene, and G. Dedene, Illustrating the Explicative Capabilities of Bayesian
26. 2003,
Learning Neural Networks for Auto Claim Fraud Detection, Intelligent Techniques in
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RICHARD A. DERRIG
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the Insurance Industry, Theory and Applications, Chapter 10, pp. 365-399., A. Shapiro
and J. Lakhmi Eds. World Scientific.
with E. Orr, Equity Risk Premium: Expectations Great and Small, North American
27. 2004,
Actuarial Journal, Volume 8, pp. 45-69.
with S. Viaene, and G. Dedene, A Case Study of Boosting Na ve Bayes for Claim
28. 2004,
Fraud Diagnosis, IEEE Transactions on Knowledge and Data Engineering,
Volume 16 (5), pp. 612-620, IEEE Computer Society.
with K. Ostaszewski, Fuzzy Set Theory, Encyclopedia of Actuarial Science, Chapter
29. 2004,
10, Probability Theory, J. Teugels and B. Sundt, Eds., Wiley Publishers.
with E. Orr, Discussion of Equity Risk Premium: Expectations Great and Small,
30. 2005,
Author s Reply, North American Actuarial Journal, Volume 9, (1) pp. 120-126.
with G.A. Rempala, Modeling Hidden Exposures in Claim Severity via the EM
31. 2005,
Algorithm, North American Actuarial Journal, Volume 9 (2) pp. 108-128.
32. 2007, Book Review of Tackling Insurance Fraud: Law and Practice, D. Morse and K. Skalan,
Risk Management and Insurance Review, Volume 10 (1), pp. 175-178.
with K.M. Ostaszewski, Insurance Pricing, Chapter 20, Handbook of Probability:
33. 2008,
Theory and Applications, Tomas Rudas, Editor, Sage Publications.
with L. Francis, Distinguishing the Forest from the Trees: A Comparison of Tree Based
34. 2008,
Data Mining Methods, VARIANCE, Volume 2 (2), pp. 184-208.
with S.P. D Arcy and H.I. Weisberg, The Economics of Insurance Fraud Investigation:
35. 2010,
Evidence of a Nash Equilibrium, VARIANCE, Volume 4 (2), pp170-190.
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RICHARD A. DERRIG
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PAPERS (Conferences, Rate Hearings and Non-Reviewed Publications)
1. 1978, "The Use of Mathematical Models and Massachusetts Private Passenger Automobile
Ratemaking Proposals for 1978," Massachusetts Automobile Insurance Rate Hearings.
2. 1979, "Comments on the Distribution of Premium for Massachusetts Private Passenger
Automobile Rates for 1979," Massachusetts Automobile Insurance Rate Hearings.
3. 1982, with A.H. Callaghan, Jr., "Position Paper on Surplus" and "Position Paper on the Risk
and Reward for Underwriting," Massachusetts Workers' Compensation Rate Hearings.
4. 1982, "Discussion: Stephen A. Ross and Alan Kraus, 'The Determination of Fair Profits for the
Property-Liability Insurance Firm',"Geneva Association/Heubner Foundation, London,
England.
5. 1984, "An Aspect of Pricing Risk: Lessons from Massachusetts," NCCI Conference on
Economic Issues in Workers' Compensation, New York, New York.
6. 1986, "The Applicability of The Stable Laws in Collective Risk Theory and Practice," with
A.S. Paulson, R.V.S. Deekshit, and G.W. Ulseth, working paper.
7. 1987, "Investment Income, Underwriting Profit and Contingencies: Financial Models."
Casualty Actuarial Society Seminar on Ratemaking, Philadelphia, Pennsylvania.
8. 1988, with Sholom Feldblum, "Investment Income, Underwriting Profit and Contingencies:
Financial Models" Casualty Actuarial Society Forum, Fall.
9. 1988, "Investment Income, Underwriting Profit Including the Tax Reform Act of 1986 and
Contingencies: Financial Models." Casualty Actuarial Seminar on Ratemaking, Boston,
Massachusetts.
Investment Income, Underwriting Profit Including the Tax Reform Act of 1986 and
10. 1989,
Contingencies: Financial Models." Casualty Actuarial Seminar on Ratemaking, Dallas,
Texas.
11. 1990, "The Development of Property-Liability Insurance Pricing Models in the United States
1969-1989," Proceedings of 1st AFIR International Colloquium, Paris, France.
12. 1991, with H.I. Weisberg, "Modeling the Payment of General Damages for Massachusetts
Automobile Bodily Injury Liability Claims", working paper, American Risk and
Insurance Association, San Diego, California.
13. 1993, with H.I. Weisberg, "Pricing Auto No-Fault and Bodily Injury Liability Coverages Using
Micro-Data and Statistical Models" Casualty Actuarial Society, 1993 Ratemaking Call
Paper Program - First Prize Paper, (March).
14. 1994, with N.R. Patel, "Regression Techniques for Small Samples and Rare Events", Casualty
Actuarial Society Annual Meeting, Boston, (May).
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RICHARD A. DERRIG
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with K.M. Ostaszewski, The Fuzzy Problem of Hedging the Tax Liability of a Property-
15. 1995,
Liability Insurance Company Proceedings of the Fifth AFIR International Colloquium,
V.1, 17-42, Brussels, (September).
with H.I. Weisberg, Identification and Investigation of Suspicious Claims, A Report on
16. 1995,
the AIB Study of 1993 Claims, Massachusetts Division of Insurance DOI R95-12, (July).
with H.I. Weisberg, Coping with the Influx of Suspicious Strain and Sprain Claims, A
17. 1996,
Report on the AIB Study of 1993 Personal Injury Protection and Bodily Injury Liability
Claims, Massachusetts Division of Insurance DOI R96-36, (July).
with H.I. Weisberg, AIB PIP Claim Screening Experiment Interim Report -
18. 1997,
Understanding and Improving the Claim Investigation Process, Massachusetts Division
of Insurance DOI R97-37, (July).
with H.I. Weisberg, AIB PIP Claim Screening Experiment Final Report - Understanding
19. 1998,
and Improving the Claim Investigation Process, Massachusetts Division of Insurance
DOI R98-41, (July).
Patterns, The New Data To Manage, Contingencies, September/October.
20. 1999,
Are We All Buckled Up Yet?, Contingencies, July/August, 2001, pp. 58-63.
21. 2001,
with H. Weisberg, Auto Bodily Injury Claim Settlement in Massachusetts, Final Results
22. 2003,
of the Claim Screen Experiment, AIB Working Paper.
The Settlement Negotiation Process for Automobile Bodily Injury Liability Claims in
23. 2004,
the Presence of Suspicion of Fraud and Build-Up, presented at Risk Theory Society,
New York, NY, April.
with S.P. D Arcy and H.I. Weisberg, The Economics of Insurance Fraud Investigation:
24. 2005,
Evidence of a Nash Equilibrium, presented at NBER Conference, Cambridge, MA,
February.
with G. Rempala, A Statistical Analysis of the Effect of Anchoring in the Negotiation
25. 2006,
Process of Automobile Bodily Injury Liability Insurance Claims, Department of
Insurance and Risk Management, Wharton School, University of Pennsylvania, Faculty
Seminar, March.
with L. Francis, Distinguishing the Forest from the TREES: A Comparison of Tree
26. 2006,
Based Data Mining Methods, Casualty Actuarial Society Forum, Winter, 2006 Edition,
pp. 1-49.
with L. Francis, Comparison of Methods and Software for Modeling Nonlinear
27. 2006,
Dependencies: A Fraud Application, International Congress of Actuaries, Paris, May.
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RICHARD A. DERRIG
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PROFESSIONAL PRESENTATIONS
1. Universities: Seminars: University of Pennsylvania, February 1985; April 1987; February 1990;
October 1991; February 1994; April 1994; November 1995; May 1996; October 1998; April
2002; December 2003; March 2006; October 2008. University of Texas, February 1990;
November 1991; November 1994; November 1995; November 2003; March 2004; March 2008;
November 2009. University of Illinois, March 1991, December, 2005. Hamburg University, June
1991. University of Tel Aviv, March 1993. Brigham Young University, 1993. Georgia State
University, November, 1995. University of Louisville, April, 1996; March, 1999; April, 2000;
2005. University of Minnesota, November 1996; April 2000, April 2004. University of
Barcelona, April 1998. Louisiana State University, March 2000. Baylor University, March 2001;
November 2003; March 2008. Illinois State University, 2002; Temple University, 2002; October
2008. Katholieke Universiteit Leuven, Belgium, 2002. Brown University, 2003. University of
Wisconsin, March 2004. University of Alabama, October, 2004. Externado University of Bogota,
Columbia, November, 2005. University of Connecticut, September 2008, April 2012. University
of Montreal, June 2008, University of Warsaw, Poland, September 2010.
2. Professional Societies: Casualty Actuarial Society: (58), 1987-2012; American Risk and
Insurance Association (14), 1985-2011; (14), 1987-2008. International Association of Insurance
Fraud Agencies (IAIFA), (8), 1992-2007; International Actuarial Association, (4), 1990-1995;
Coalition Against Insurance Fraud, (3) 1993-2000; Society of Actuaries, (2) 2000-2002,
International Congress of Mathematicians, 1986; Society of Insurance Research, 1987, 2007; The
Society of CPCU, 1991; American Insurance Association, 1992; International Insurance Society,
1992; Risk Theory Society (3), 2000, 2004, 2006; Actuaries Club of Boston, 2000; Casualty
Actuaries of New England, 2003, 2007, 2008, 2012. Western Risk and Insurance Association,
2004; National Bureau of Economic Research 2004, 2005; ASTIN, 2004, Asia Pacific Risk and
Insurance Association, 2004. World Risk and Insurance Congress, 2005.
3. Industry Groups: National Council on Compensation Insurance, (2) 1984-1992; Commonwealth
Automobile Reinsurers, (2) 1990-1992; International Conference on Insurance, Solvency and
Finance, (5)1986-1997; Insurance Data Management Association (IDMA), (2), 1993-1999;
Insurance Fraud Bureau, (2) 2002-2003; National Association of Independent Insurers, 1979;
Conference on Strategic Planning for Insurance, 1982; Workers' Compensation
Organizations,1983; Institute of Actuaries (UK), 1988; Guaranty Fund Management Services
Workshop,1991; NCCI Issues in Workers Compensation Insurance, 1991; The Office of Attorney
General and The Insurance Fraud Bureau of Massachusetts, 1992-2003; Canadian Insurance
Congress, 1993; Kentucky Workers' Compensation Funding Commission,1993; Associacao
Portuguesa de Seguradores,1996; College of Insurance,1997; Business Strategy Network, 1997;
National Association of Insurance Commissioners Fraud Study, 1999; The Insurance Accounting
& System Association s Annual Educational Conference and Business Show, 2000; AEI-
Brookings Joint Center for Regulatory Studies, 2001; Insurance Research Council (IRC), 2001;
State of Connecticut Insurance Department, 2002, International Association of Insurance Fraud
Agencies (8) 1992-2007; Association of Korean Insurers, 2004; FFSA Conference of Risk and
Insurance Economics, Paris, 2005; International Fraud Conference, Bogota, Colombia, 2005.
ISOTECH, Insurance Services Office, 2007. PCI Seminar, New Orleans, 2007
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