John Proper Email & Phone Number

Portland, Oregon, US

St. Paul, Minnesota, US

• Led and coordinated legal and business problem solving to reduce annuity new business application “Not in Good Order” (NIGO) compliance rates by over 30% for a business block representing over 20% of the company’s.
• Conducted monthly executive updates advising product and subject matter experts in regulatory issue identification, response, and regulatory change management.
• Advice and counsel for annuity and life, new and in-force, business operations and administration for individual, COLI/BOLI, and employee benefit product lines; on and off cycle SEC registration filings; drafting.
• Chair: Underwriting Regulatory Committee; Voting Member: Large Case and Premium Finance and Artificial Intelligence Execution and Governance Committees; Secretary: 38a-1 Compliance; Counsel: Agent Conduct Committee.

Minneapolis, MN

• Senior Counsel – Life Insurance, Counsel – Annuities
• Lead counsel and business manager for product, marketing, and project development supporting a 5-year, 70% expansion of Indexed Universal Life (IUL) sales by implementing product services and features such as.
• Directed and led regulator outreach for on-site visits and dialogue concerning life product-line issues such as algorithmic underwriting and AG-49 in key jurisdictions to include California, New York, Texas, and.
• Lead counsel and compliance and marketing division leader supporting product design, underwriting, reinsurance, policy forms, illustrations, sales, distribution, marketing, administration, policyholder reporting, and.
• Legal Committee Designate: Life Advanced Markets and Sales, Life Annual Statements, Marketing and Underwriting Analytics, Life Product Development, Life Distribution, Foreign National New Business and Operations, Life.

Galveston, Texas, US

• Directed the development of compliance and risk mitigation practices for Foreign Account Tax Compliance Act (FATCA) and Consumer Financial Protection Bureau (CFPB) law to include extensive work with offshore 953(d).
• Lead counsel to the Chief Compliance Officer for the oversight and supervision of the corporate compliance functions for a multiline (Life, Retirement, Property, and Casualty) national insurance carrier.
• Led the legal and business development of best practices and procedures for a trial premium financing program.
• Negotiated and settled questions and disputes arising out of regulatory examinations at the state and federal levels.
• Served as the Deputy Anti-Money Laundering (AML) Compliance Officer ensuring compliance with the USA PATRIOT Act including federal laws governing the Office of Foreign Assets Control (OFAC).

New York, NY, US

• Chaired the Government Affairs Practice Group serving as the manager and corporate liaison with key governmental and industry trade associations e.g., American Council of Life Insurers (ACLI), Association for Advanced.
• Coordinated and directed regional government affairs officers and outside counsel in state-level advocacy, testimony, and outreach initiatives.
• Managed and directed legal, compliance, and business Regulatory Affairs Committee in tracking, analyzing, and developing strategic response, policy/position, and implementation strategy to changes in industry, market.
• Authored and managed over 30+ impact briefings and regulatory white-papers regarding regulatory strategy, training, and compliance matters for senior executives, account and relationship managers, compliance personnel.
• Led and coordinated legal advocacy and business strategy for product variance and Long Term Care rate requests, notice and comment rulemaking, product filing, and registration comments.
• Coordinated company positions for business risks, novel business issues and claim presentations, matters of potential litigation or regulatory intervention, and business liabilities.

New York, US

• Served as lead counsel for regulatory examinations, audits, and inquiries, managed factoring litigation and customer bankruptcy dockets.
• Advised and oversaw internal corrective actions, consumer/regulator outreach, regulatory compliance certifications, and proactive regulatory and competitor monitoring/intelligence.
• Directed and managed compliance team response for escalated producer and consumer complaints, investigation, and resolution of commission disputes and charge-back matters.
• Counseled complex claim-benefit and customer service/complaint matters such as: viaticals, life settlements and factored annuity structures, collateral assignments, policy loans, premium finance, ownership and.
• Provided comprehensive product, service, operations, distribution, and compliance counsel for prospectuses, policy forms, and SEC registrations in the launch of over 25 products.
• Oversaw and led advanced case planning, product, and service concepts for business, retirement, charitable giving, insurance, tax, and estate planning providers, website and marketing content, producer advertising.

Phoenix, AZ, US

• Conducted over one hundred fifty Broker-Dealer and Investment Advisor regulatory examinations, registrations, corporate securities offerings, and registrations. Directed examination and investigation teams in nineteen.

• Served second chair trial and first chair litigation roles in twenty-five catastrophic automotive product liability claims with minimal settlement values in excess of two million dollars.

Phoenix, Arizona, US

• Law Clerk to the Honorable Mark R. Santana, Superior Court of Arizona
• Performed legal research, drafted advisory court guidance, and managed the court’s docket assignment of civil matters, agency, and lower court appeals.

Phoenix, Arizona, US

• Developed regulatory enforcement actions and administrative rules for waste facility operations, toxic waste site remediation, and the operation of state managed “clean-up” funding programs.

New York, New York, US

• Provided consultation in the development of export/import strategies, business plans, financing, and negotiations for member clients participating in a U.S. Small Business Administration exporting program.

Juris Doctor, Law

Financial Planning Certification

Bachelor, Research Psychology And Finance