CFO/Accounting services to small businesses. I assist businesses in setting up accounting systems, financial and profitability analysis and monthly accounting and financial statement preparation.

Franchise owner serving Contra Costa and Alameda Counties with offices in Moraga and Pleasanton, CA.

- Reorganized Operations- Manage Commercial Lines and Benefits Operations, Finance, Human Resources and Administration- Completed several agency acquisitions including integrating operations post acquisition.

Founder and officer of company bringing new technology to the wood frame construction industry by manufacturing wall and floor panels in an automated factory environment. Managed all contracts and domestic and international vendors.Accomplishments: • Raised over $5 million in equity capital and obtained $1.8 million equipment lease.• Established finance, legal, human resources and shareholder management processes.

Third party administrator of self funded disability and leave programs for major employers including claims adjudication and plan administration and reporting. Managed finance, human resources and contract administration. Revenue - $25M – 250 Employees. Accomplishments: • Developed client level product pricing system.• Executive sponsor and team leader that improved operating efficiency by recommending and implementing a technology based solution.• Remarketed insurance programs resulting in over $25,000 in savings.

Personal lines insurance agency marketing insurance and other related products to customers of Countrywide Financial. Revenue $65M - 550 employees. Managed Underwriting, Finance, IT and alternative distribution groups comprised of approximately 100 staff. Accomplishments:• Identified opportunity and led due diligence for efforts to acquire a general agency.• Negotiated agreements to outsource auto insurance sales and processing.

Start-up technology and engineering services company providing collaborative software. 10 employees. Prepared financial models, established accounting and investor process, and made presentations to investor groups. Accomplishments:• Prepared financial models presentations to investors that resulted in $1 million in funding.• Negotiated contracts and managed relationship with international engineering partners

Insurance company specializing in residential/commercial earthquake insurance. Sales $25M - 20 employees. Managed all operations and led development of management team, process outsourcing, product development, sales & marketing, operations, and leading edge risk management process.Accomplishments:• Founded and built operations and sold company for 150% of book value.• Persisted in convincing state insurance regulators to issue an operating license.• Implemented a formula-based reinsurance program resulting in over $1 million in annual savings.• Outsourced business processing eliminating up-front capital investment and fixed all costs based on transaction volume.• Implemented Internet strategy with underwriting, policy processing, and direct sales.

PRESIDENT - F&G SPECIALTY INSURANCE SERVICES 1995 - 1997VICE PRESIDENT – TREASURER 1993 - 1995VICE PRESIDENT – CONTROLLER 1991 - 1993AVP – CONTROLLER, F&G LIFE 1988 - 1991Public company offering property/casualty, life insurance and reinsurance. Revenue $5 Billion - 12,000 employees. Developed new operation writing in catastrophe-exposed areas. Managed all financial areas including accounting, capital markets, investor relations, risk management and operations. Accomplishments:• Developed marketing strategy resulting in rapid growth.• Restructured capital through $600 million in creative transactions resulting in $26 million in annual dividend and interest savings.• Reengineered departments resulting in savings of over $2 million annually.• Through open communication stemmed a “run on the bank” and convinced regulators not to take action.• Improved relationships with investment analysts and rating agencies resulting in upgrades.

Senior audit manager leading services to clients in insurance, healthcare, and manufacturing. Managed engagement staffing, reviewed staff work and communicated audit results to management and audit committees. Accomplishments:• Through a timely and complete review of work in the field, audit engagement hours were cut resulting in a 20%+ improvement in collections versus standard rates.• Served on national task force to develop audit guidance for insurance industry.