Implementation of continuous change management strategies to increase profitable growth, reduce expenses, and improve capabilities of employees in both Pacific Cross Companies – Insurance and Health Care (HMO). Gross local Philippines insurance premiums of $50M, $95M inclusive of RI from Vietnam sister company. 2021 Insurance Commission published unaudited industry statistics: Pacific Cross Insurance ranked 2 out of 57 General Non-Life companies in Net Written Premium, 6 in Gross Premium Written, and 8 in Net Income. All while focused on only three (3) product lines – Health, Travel and Personal Accident. Pre-Covid, CARG results: GPW at 23%, 25M to $47M, and 28% Income from Operations from $1.8M to $3.8M (based on audited Financial Statements, excludes inward RI contributions from the Vietnam Company)Instituted a Data Recovery Plan (DRP), and Business Continuity Plan (BCP). The BCP has been “stress tested” throughout the various COVID-19 lockdowns since March, 2020 and fared well. Finalized four new alternate distribution partnerships with two general insurance companies, one life company, a major Telco and the second largest pawn shop in the country – sales forecast for these four partnerships is $22.0M Gross Written Premium in the first twelve months Introduced TPA services, supported by a proprietary digital claims App designed for ease of use by Direct B to B clients and select broker clients, all supported by a key strategy to increase the Provider Network, which is now at over 15,600 doctors, hospitals, dentist, and clinicsConsolidated Travel portfolio from twelve to four products, supported by a new B to C website portal and App for clients who prefer to purchase Travel insurance direct, as well as for use by traditional Travel Agencies, Independent Agents and Brokers (for launch when market returns) Expedited development and implementation of provider billings submissions and client reimbursements via on-line App via direct bank payments

Consulting Group with expertise in Asia and the United States.- Market entry: Greenfield and Acquisitions of life and general insurance- Multi-channel Distribution- Product Design and Business Development- Digital StrategiesSuccessfully worked with major Asia Life Insurer to enter Personal Lines business as additional products to serve their consumer life target market.

Responsible for the restructure and turn-around of an underperforming multi-million dollar P&C company into two focused divisions (Consumer and Commercial lines); designed to expand distribution, increase net written premium, lower expense and combined ratios, and improve customer service. Net written premium growth from $6.0M to $15M, expense ratio reduced from 43.0% to 24.7%, and combined ratio improvement from 85.7% to 68.3%Five year CARG of 22.5%, accomplished through development and execution of Specialty Personal Lines strategies, growth of A&H and targeted Commercial Lines – D&O, energy and construction.Regional Quarterly Portfolio Scorecard rank improvement from 11 out of 13 countries in 2011 to 3 in 2015 (Score determined by rolling cumulative quarterly results based on actual vs. plan in 4 key measures: Net Written Premium growth, GAAP profit, Acquisition and Expense ratios) Implemented mobile device insurance programs, including A&H coverage with top two Philippine Telco companies (Globe and SMART), now over a $8M businessExecuted a 98% re-insurance program for Philippine Airlines Travel Insurance, a $4M business line for CHUBB PhilippinesManaged policy issuance, endorsements, claims reporting, adjuster assignments and settlements for over 220 global clients with operations in the Philippines – a gross premium book over $7MConsistently achieved superior regional audit results in key areas of Underwriting, Operations and Finance/Accounting

PHILIPPINES:Responsible to grow and restore path to profitability, as well as improve investors imbedded value of underperforming life and property & casualty companies held in private joint venture between Generali Asia and Banco de Oro, the largest bank in the Philippines VIETNAM:Responsible for establishment of Generali Vietnam Representative Office as well as negotiating memorandum of understanding with a major state bank to create a joint venture life company (Generali ownership: years 1-2 at 50%, increasing to 51% in year 3)

Responsible for the design and implementation of a new "next generation" employee agency model for Japan and Korea markets designed to maximize growth and reduce distribution expenses. This model remains in place in Japan and has subsequently been adopted by another major multi-national company in the market. Also responsible for design and execution of an independent agency segmentation model to increase average agency productivity, profitability and loyalty.

Member of “road show” team charged with selling both the Philippines and Indonesia life companies within a 9-month timeline. The sale was accomplished in 7 months and met mid-point value expectation, as well as all regulatory requirements to transact the sale and exit the market ahead of target timeline