Responsible for a staff of 4 actuaries and managed budgets of approximately $850K.• Designated as Appointed Actuary for 5 affiliated insurance companies, producing statutory reserve opinions and supporting reports each year.• Led and transformed the loss reserve process. Built numerous analysis tools, forecasting models and management reports supporting the reserving process. Managed monthly analysis of gross and ceded loss reserves of approximately $3B and presented results and recommendations to CEO and other executive staff.• Designed and administered loss forecasting process, making major improvements along the way, and developed the final loss forecasts used in the corporate business plan.• Created, monitored and reported key risk indicators and other reporting metrics that communicated broad overview of credit risk and the mortgage insurance claim environment. Performed in depth analysis of loss statistics, persuading executive management to book appropriate loss reserve estimates.• Supervised team in production of premium deficiency analyses, Schedule P and many other financial disclosures, meeting compliance requirements.• Oversaw rate filing process, ensuring timely approval of new filed insurance rates.

• Invented new projection techniques and methods, which improved management understanding of credit risk and mortgage insurance losses.• Conceived and recommended commutations of specific contracts, generating over $100M in capital relief.• Managed monthly reserve presentations and provided critical analysis, conveying difficult messages through the mortgage crisis.• Composed and presented numerous presentations to Board of Directors, credit rating agencies, state regulators, auditors, Fannie Mae and Freddie Mac.• Presented overview of mortgage insurance industry to fellow actuaries at Casualty Loss Reserve Seminar.

• Created pricing models and rate indications for personal auto and homeowners.• Performed reserve analyses of reinsurance business and various specialty lines.• Conceived and implemented performance measures related to case reserve accuracy, loss cost trends and claim cycle time. Measured and reported performance versus goals.