Audrey Mazeika Email & Phone Number

United States

Collaborate with Disability Income, Life Insurance, and Long-Term Care business partners and third-party administrators to address and resolve regulatory questions as they impact new product development and filing, underwriting policy and guidelines, policy issuance and servicing, and claims. Identify matters that may arise out of the above, requiring action or changes to current procedures, and ensure action plans and recommendations are implemented to mitigate risk. Complete regulatory filings, prepare Board regulatory reporting, assist with market conduct examinations, and coordinate communication and handling related to disaster orders for multiple Guardian subsidiaries. Topical areas of expertise include adverse underwriting decisions, advertising disclosures, authorizations, complaint handling, disaster handling, genetic testing and family history statutes, reinstatements, and replacement activity.

Pittsfield, Massachusetts, United States

Assist Chief Compliance Officers for individual disability, long-term care, life insurance, and retirement business areas with monitoring and reviewing regulatory/ legislative changes affecting these products and producers; preparing company responses to regulatory changes; performing legal research to improve overall compliance; working with, and preparing responses to internal and external groups during periodic audits of products and product solicitation; use developed tools to assess and identify compliance risks; and oversee business processes from a regulatory compliance perspective. • Research and respond to Market Conduct Examinations, audit requests, and regulatory filings as may be requested by Compliance, Law, and Internal Audit departments, and State/ Federal regulators. • Support Corporate Compliance and Chief Compliance Officers by leading assigned topics associated with periodic risk assessments. • Collaborate with Compliance and Law departments to appropriately address and resolve questions from business and product filing areas as to compliance with new or existing laws and regulations. • Develop, track, and analyze complaint data for reporting to Corporate Compliance and Executive Management. • Identify matters that may arise out of the above, requiring action, changes, or opportunities for improvement in current procedures; ensure action plans, recommendations and processes are implemented.• Prepare and submit periodic Board of Director Regulatory Update reports for company subsidiaries.

Pittsfield, Massachusetts

Supported the Law Department with matters pertaining to individual and group disability income insurance products, including overhead expense and disability buyout policies, and assisted with the resolution of FINRA inquiries for the Company’s affiliated, insurance broker dealer. Drafted discovery responses, answers to interrogatories, rescission memoranda, settlement agreements, and periodic status reports for counsel as related to litigation involving disability income, overhead expense, life insurance, and group long term disability products.

Worcester, Massachusetts

Held the aforementioned positions with First Allmerica Financial Life Insurance Company, a former subsidiary of The Hanover Insurance Group, Inc. Responsible for the regulatory compliance posture of this subsidiary's run-off retirement business, comprised of fixed and variable life insurance and annuity products, brokerage accounts, and health and disability income policies during its transition to Goldman Sachs. Designed, implemented, and managed a regulatory compliance program, effectively satisfying the subsidiary's obligations under SEC, FINRA, and state insurance rules and regulations, resulting in no significant fines or penalties. Supervised a Senior Compliance Analyst. Fulfilled discovery requests and supported the Litigation Unit related to the Company's retirement business, deregistered broker dealer, and its coinsurance arrangements. Assisted in lowering the litigation caseload from 70 to 15 cases in three years. Led due diligence production efforts for the compliance and legal divisions relative to the subsidiary's sale to Goldman Sachs in 2009. Filed Market Conduct Annual Statements and Profiles, including Canadian equivalents.

Worcester, Massachusetts

Responsible for mitigating compliance and legal risk associated with all retirement products sold by the Company, managing regulatory audits and exams, and analyzing/resolving/responding to complex, customer and regulatory inquiries. Filed variable annuity and private placement product submissions to states for approval. Reviewed and approved marketing/advertising materials for life and annuity products. Provided legal support and training to Operational Units regarding claim disputes, contract and product-related matters, powers of attorney, disclaimers, and rescission statutes.

Worcester, Massachusetts, United States

Selected by executive leadership to assist the Operating Committee in the coordination and implementation of an enterprise-wide project to focus on changing the Company’s culture and identify opportunities to enhance earnings and ensure the project plans were successfully and timely implemented.• Ensured 92% achievement of a portfolio of more than 1,500 ideas for an enterprise-wide expense saving and revenue enhancing project; improvements estimated at $178 million.• Supervised six team associates, who supported more than thirty of the project’s managers. • Partnered with executive management in the Asset Management subsidiaries of the parent company to assist in decreasing their expenses by $18.5 million.

B.A., Public Administration With Concentration In Management

Certification, Paralegal Studies

Coursework completed in Legal Research & Writing; Employment Law; Civil Litigation; Personal Injury Law; Wills, Trusts & Estates; Real.