Returned as Chairman as now considered non-Executive

Moved to Deputy Chairman as the Regulator wished to have a non-Executive Chairman

Chairman of the Trust Group's MGA subsidiary, which is a Lloyd's Coverholder

Consulting with physics-based hazard/risk modeling startup (founded in 2018) regarding:- Developing contacts across the global insurance / reinsurance space for Mitiga to market its advanced physics-based risk modeling capabilities / products.- Providing an insurance underwriter / user perspective regarding the development / structuring / product offering of Mitiga’s various physics-based models.- Advising Mitiga regarding possible future risk transfer / underwriting options / plans and the necessary steps and structures to accomplish these plans.

Official appointment as CUO after approval by the Regulator:• Conducted technical underwriting reviews of various parts of the portfolio.• Continued regular Underwriting Review Meetings in conjunction with Actuarial Reviews.• Advised regarding the development, structure and use of various Pricing Tools; mandated their use by underwriting staff.• Managed the underwriting aspects of the Regional structure, including underwriting delegation.• Participated in Business Planning process and Rating Agency Relations.• Mandated various Underwriting Policies and Procedures, as required.• Managed Underwriting Sections of the Company's Defined Authority Limits (DAL).• Reviewed / enhanced Underwriter Job Descriptions in cooperation with Human Resources.• Investigated / proposed reinsurance underwriting in new markets, new lines and/or types of business. • Advised and trained Trust Re Underwriters / Managers regarding underwriting and management issues, in accordance with market “best practice”.• Mandated changes / updates to Underwriting Guidelines / Manuals.

Senior advisor (to the COO) and project manager involved in multiple important tasks:• Conducted technical underwriting reviews of various parts of the portfolio.• Established regular Underwriting Review Meetings; assisted with Actuarial Reviews / Discussions.• Advised regarding the structure and use of various Pricing Tools; assisted in their development.• Helped with management of the Regional structure, including decentralization moves.• Participated in / advised Business Planning process and Rating Agency Relations.• Formulated various Policies and Procedures, as required.• Assisted with administration of the Defined Authority Limits (DAL).• Reviewed / enhanced Underwriter Job Descriptions in cooperation with Human Resources.• Assisted with Trust Insurance Management (TIM) and its work in the London market and elsewhere.• Investigated / proposed reinsurance underwriting in new markets, new lines and/or types of business. • Advised and trained Trust Re Underwriters / Managers regarding underwriting and management issues, in accordance with market “best practice”.• Reviewed and recommended changes / updates to Underwriting Guidelines / Manuals. • Developed code structures, reporting formats and authorization / workflow controls for proposed new IT system.

Senior Underwriter, Treaty; Acting CUOWorked with ACRR MEA, ACRR SEA, ACRR Group and ACR (Singapore) Management and Underwriters to profitably develop and expand one of the highest-capitalized ReTakaful operators in the world:• Underwrote and managed a profitable treaty portfolio in line with group guidelines and processes; developed and serviced an existing book of treaty business; conducted market visits as necessary. • Served as Chair of ACRR Joint Underwriting Committee (Bahrain and Kuala Lumpur); Functioned as Chief Underwriting Officer of ACRR MEA.• Business Planning – assisted the ACRR CEO in setting out the directions, targets and goals for ACRR MEA; contributed to ACRR overall planning process utilizing planning experience / skills.• Restructured / reoriented Treaty portfolio of ACRR MEA in cooperation with BOD and CEO. Also, reviewed and proposed restructuring of ACRR Retrocessional arrangements.• Trained, mentored, developed and guided underwriters within the team (both in Bahrain and in Kuala Lumpur); advised various Underwriters / Managers within both ACRR MEA and ACRR SEA regarding underwriting and management issues, as required.

In cooperation with the Company’s Head Office, established and profitably developed this start-up office:• Set Goals and Objectives for the Branch, in conjunction with Barents Re Head Office; established Job Descriptions and reporting process.• Cultivated market contacts and business relationships to encourage a flow of submissions to the Branch; spearheaded the Branch’s marketing efforts with market visits and regional conferences.• Managed the Branch’s underwriting operations and coordinated placement of retrocessional protections for the Branch, in conjunction with Barents Re Head Office.• Achieved first-year underwriting and premium targets with profitable results; Successful in building relationships with the major regional brokers as well as key insurers across the MENA region.

Acted directly with the CEO to profitably develop this new reinsurance firm, the first reinsurer established in Saudi Arabia (in 2008):• Achieved doubling of annualized premium income from 2009 to 2010 while maintaining profitable underwriting results; cultivated market contacts and business relationships to encourage a flow of submissions; managed the Company’s marketing efforts, including a complete re-edit of the website and all written materials.• Directed all Underwriting activities (Treaty and Facultative / Life and Non-Life), including marketing / production, policies / procedures and reporting to stakeholders; reviewed and restructured all underwriting and claims handling guidelines, operational workflow and in-house pricing models; managed development of additional underwriting / pricing tools.• Set the Company’s Goals and Objectives in conjunction with the CEO; reviewed and supplemented job descriptions, employee evaluation system and overall reporting process.• Structured / Managed / Purchased the retrocessional protections (Life and Non-Life), including renewal negotiations involving a change of lead underwriter and an increase in the Company’s retention.• Supervised all underwriting and actuarial employees, including development of Saudi trainee staff.• Promoted the Company’s presence (in all aspects), first in KSA, then in the GCC countries and the wider MENA region; later turned over management to new Saudi-national senior team.

Established a consulting company in response to market need for management, marketing and underwriting talent as well as outsourcing:• Prepared Business Plan documents for start-up companies for submission to potential investors, regulators and rating agencies; met with potential investors and Capacity Providers as required.• Cultivated market contacts and business relationships to encourage a flow of submissions to clients.• Provided detailed and comprehensive underwriting reports and recommendations to the client companies on submissions received, enabling them to build quality books of reinsurance business.• Completed underwriting and claims audits (both pre- and post- acceptance) as required by clients.• International scope: clients in the US, Bermuda and other regions; major clients included: 1. A Bermuda reinsurance start-up looking for funding, for which the Business Plan was prepared, advance marketing work done and investor presentations prepared / presented;2. An international reinsurance MGA based in the US undergoing a complete reorganization, for which business relationships were cultivated, underwriting guidelines restructured and ongoing underwriting activities managed; the agreement with the current Capacity Provider / Insurer was renewed and reinsurance protections restructured and purchased.

Part of a team working to obtain funding, establish and develop a top-20 global reinsurance firm based in Bermuda, with offices in the US and elsewhere:- Finalized Business Plan for submission to potential investors, regulators and rating agencies.- Cultivated market contacts and business relationships in advance of launch in order to encourage a future flow of submissions to IRE.- Worked with team members to locate and recruit investor pool, including preparation of PowerPoint presentations and informational handouts.- Project was placed on hold twice – once due to a sudden lack of investment funds with a key investor and later due to the general economic downturn drying up investor capabilities.

Co-Head of all Non-US Underwriting for Bermuda OperationPart of the original four-person team that started the company, involved in the planning and implementation of its operations. I focused mainly on the non-US unit, for which I was the first full-time underwriter:• From April 2001, involved in the initial planning of Arch Reinsurance, including the development of its international (non-US) unit; formulated the business plan for the non-US operations; modified plans following 9/11/2001 in light of new market realities.• Responsible for all facets of the development of the non-US operations of Arch Reinsurance and key member of the original Bermuda start-up team in October / November 2001 – employee #5 officially (work permit) in Bermuda (first underwriter).• Produced a substantial amount of diversified international business after November 2001 with excellent results – within 4 years, total non-US unit premiums surpassed $100 million annually with sizeable underwriting profits; maintained excellent network of worldwide contacts.• Personally wrote premiums – for the 2002 to 2005 underwriting years – of more than $30 million annually from over 250 treaties (over 100 programs) with over $40 million in total underwriting profit; successfully positioned Arch in the international marketplace as a Market Leader – a broad-based, stable, professional reinsurer with a diverse portfolio from many different countries.• Technically assessed and underwrote treaties and provided in-depth market and cedant analysis.• Primary underwriter for business from France, Benelux, Middle East and North Africa, Japan, and the Caribbean, with shared responsibility as Co-Head for the remainder of the world (ex-US).• Established underwriting policies and procedures for all non-US underwriting as well as for the portfolio of all Per Risk Excess business; served as lead underwriter on several large global Per Risk Excess programs; managed all treaties written on facultative portfolios.

Hired to reposition this $200+ million revenue reinsurance firm in the international marketplace and to develop a diverse portfolio spread across many different countries:• New team developed over 100 client accounts (treaties) generating $50 million in annual revenues. Personally responsible for producing over $30 million of diversified international business (with written premiums for the 2000 underwriting year exceeding $16 million from over 100 treaties).• Repositioned the company in the international marketplace with a more diverse portfolio; maintained excellent network of worldwide contacts (with brokers, cedants and other insurers).• Technically assessed and underwrote treaties and provided in-depth market and cedant analysis.• Primary underwriter for business from France, Benelux, Middle East, Japan, Korea, and the Caribbean, with shared or secondary responsibilities for the remainder of Asia, Australia and New Zealand.• Established underwriting policies and procedures for the portfolio of Per Risk Excess business written by the company (with P&L responsibility) and was the lead underwriter on several large Per Risk Excess programs; participated with team assigned to identify and develop new product lines.

Senior International Treaty Reinsurance Underwriter:- Second International Underwriter (after the Head of International) for this very successful reinsurance venture. Personally produced and underwrote about $15 million of business annually for over 14 years (with an annual maximum of $33 million), resulting in total premiums written of over $200 million with a combined ratio of 68% (including IBNR) and a total underwriting profit of over $86 million.- Managed all International Non-Proportional underwriting (1990 - 1993). In 1993, assisted in creation of matrix management system in International Department. After 1993, Accounts/Markets served as primary territorial underwriter: France, Benelux, Israel, Japan, Korea, and the Caribbean, with shared or secondary responsibilities for the remainder of Asia, Australia, New Zealand, Spain and Portugal.- Line Manager for portfolio of non-US Per Risk Excess business and for treaties covering non-US facultative accounts; established underwriting policies and procedures for these lines of business; and was the lead underwriter on several large Per Risk Excess programs.

Head of Facultative Reinsurance Department; Chairman + CEO's "Chief of Staff":- Part of the three-person management team that planned and implemented establishment of the company in France, the “flagship” of Mead Re group’s international operations.- Established Facultative Department and had total P&L responsibility for its operations; directed all activities of the Facultative Department, including production, underwriting, policies and procedures, structuring and purchasing of reinsurance protections and reporting to management.- Frequent visits to the London Branch Office to underwrite Facultative business in the London Market.- Trained employees in facultative underwriting and supervised their activities.- Manager of Human Resources for the French subsidiary, for which language ability was critical.- Utilized communications skills to produce business and assist management, as well as to make presentations to market associations, senior management and others.

Head of Facultative Reinsurance Underwriting Department;Also served as Special Assistant to the Chairman/CEO:Established the Company's new Facultative Department and had total P&L responsibility for its operations. Directed all activities of the Facultative Department, including production, underwriting, policies and procedures, structuring and purchasing of reinsurance protections and reporting to management. Trained employees in facultative underwriting and supervised their activities.

The youngest representative ever assigned overseas by Continental, increased the Company's sales/market share in the Benelux countries of Belgium, the Netherlands and Luxembourg. Managed the local portfolio of multinational programs and supervised a network of underwriting agencies in the Netherlands. Also underwrote a growing and very profitable portfolio of facultative reinsurance business in the Brussels office. In 1976, promoted to Assistant Manager - Benelux and France and divided time between Brussels and Paris offices.