• Graduate of the University of Wisconsin, Graduate School of Business, B.B.A. and Master of Science, with major concentration in the area of Risk Management and Insurance and Personnel Management and Industrial Relations.
  
  
• Designated as a Chartered Property and Casualty Underwriter by the American Institute of Property and Liability Underwriters.  Recognized by the Insurance Institute of America as an Associate in Risk Management.
  
  
• Licensed by the Texas Department of Insurance as a General Lines-Property and Casualty agent, Risk Manager, General Lines - Life, Accident and Health Agent and all lines Claims Adjuster.  Licensed by the State of Oklahoma as an Insurance Consultant.
  
  
• Previous Risk Management engagements with Caltex Petroleum Corporation (a joint venture of Texaco and Chevron) and several regional and national risk management and actuarial consulting firms.
  
  
• Performed risk management consulting engagements for a broad range of industries and articles have appeared in publications including Financial Executive, Risk Management Journal, Business Insurance, Southern Hospitals, The Practical Banker, Offshore, and Compensation Review. Served in preparing for expert witness testimony and as a policy reconstruction expert.
  
  
• Conducted two week seminar in People's Republic of China (PRC) on "Petroleum Industry Risk and Insurance Management" for the government of PRC and Exxon Corporation. Speaker/instructor for seminars and conferences sponsored by Risk & Insurance Management Society (RIMS), University of North Texas Professional Development Institute and American Management Associations.

• Licensed by the Texas Department of Insurance as General Lines - Life and Health as well as Property and Casualty Agent.
  
  
• Controller experience with property and casualty (primarily - workers' compensation), and life and health insurance companies. Provided loss triangles to consulting actuaries on case based reserves, allocated loss adjustment expense (LAE ) reserves, reinsurance recoverables, deductible recoveries and subrogation recoveries. Conferred with actuaries on booking of ultimate net reserves. Prepared GAAP and statutory quarterly and annual accounting statements.
  
  Prepared annual budgets for earned premium, paid and incurred losses and operating expenses. Assessed performance on a quarterly basis. Evaluated loss ratios to adequately price future premiums.
  
  Administered monthly reporting of written premium, paid and incurred losses under treaty and aggregate stop loss reinsurance contracts.
  
  Managed daily cash flows through various bank accounts and maintained banking/investment relationships with financial institutions and investment firms. Dealt directly with auditors and state examiners. Ensured annual audits and periodic state exams from the Texas Department of Insurance were processed in an accurate and timely manner.
  
  
• Premium audit experience with Clarendon National Insurance Company and Lloyds of London non-subscriber and workers' compensation policies. Progressed from collections to performing actual audits verifying state or federal payroll reports and calculation of final earned premiums. Promoted to manager overseeing collections and premium audit calculations.
  
  
• Over ten years of service with the Texas Army National Guard. Currently serving as a commander, Captain, with the 249th Finance Detachment, Austin, Texas. Two active duty deployments in support of operations in Bosnia Herzegovina and in Germany. Functioned as disbursement officer and was accountable for over $7.5 million in five currencies.

COMPANY PROJECTS
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• In 1994, John Sharp, State of Texas Comptroller, conducted an audit of a self-insured workers' compensation (WC) program designed, installed and managed by INSPRO (an affiliate of RISKPRO). John Sharp reported in his audit that WC costs were 14% lower in this program than the average cost of the 50 largest school districts in the State of Texas.
  
  
• Competitive bid specifications for a municipality on property, liability, workers' compensation and medical insurance produced first year savings of $587,000.
  
  
• Design and implementation of an Occupational Safety and Health Plan for a client reduced claim frequency producing savings of $129,500 in the first six months.
  
  
• Negotiated a refund from an insurer on behalf of a client for $377,129 related to a surcharge by the insurer in California.
  
  
• Bid specifications for a trailer manufacturer on workers' compensation, property and liability coverages generated first year savings of $170,000.
  
  
• Four year risk management contract with a port authority generated premium savings in excess of $150,000 on all lines of coverage. Negotiations on a property (fire) claim resulted in an increase in hard settlement dollars of $33,244. Claim settled for $155,538.
  
  
• In the early 1990s a large publicly traded utility purchased oil and gas assets in Texas and the Gulf of Mexico. The firm was engaged to design, implement and monitor a certificate of insurance program for all aspects of the contractors and subcontractors used in the oil and gas operations.