Founded Shared Economy Services, LLC (‘SES’) to solve for the existential challenges facing TNCs and TAAS, and others in the ‘gig’ economy.It has turned into something much larger. I will be posting the status and story of SHARED ECONOMY SERVICES soon.We have eliminated the difference between an independent contractor and an employee, in the only way that universally cures the requirements of every state, Federal, and court precedent. Job classification’s are now irrelevant, and every worker gets a full suite of benefits,including healthcare and retirement,amongst many other standard benefits.Reaching this goal required creating/replacing Worker’s Compensation & disability coverages;statutory benefit requirements; all the requirements of auto insurance that is automatically in compliance everywhere as needed (all at greatly reduced cost);redesigning/innovating healthcare utilizing existing infrastructure more productively: SES’ health care deductible is paid on the 1st each year. Most of “20%of the 70%”care is prepaid by SES.Every contractor/small company employee gets a true retirement benefit. A small insight.<25 employers can save 25% of payroll and benefits even as employees increase income by 20%-60%+.Our technology antiquates revenue sharing. SHARED ECONOMY SERVICES participants earn their entire contract price, and benefits are very low cost, if any, tax leveraged,and subsidized.In so doing, we create a competitively insulated,predominant operator in the TNC/logistics/job/work matching world.SES serves approx.130 million workers and their families, approx.70 million independent contractor/gig workers, and 60M workers and employers of company’s <25 employees.SES will transition the American economy’s evolution into the gig/employee/employer’s economy. Everyone wins.We are privileged to have the support of Morgan Lewis Bokius,Groom Law,Cooley and others;Lewis& Ellis Actuaries; CGI;and an elite group of topic and technology experts.More to come.

Business and operations consultant that identifies, quantifies, designs and implements new strategic marketing and technology solutions. Creates intellectual property and technology to provide complex strategies as a barrier/disincentive to competition. Allocates resources to analyzing/adapting existing assets to optimize core performance providing unique predictive analytics and strategies for clients in the financial services, automotive, consumer, real estate, pension adequacy, healthcare and P&C insurance markets.

Financial services and technology focused strategic management, intellectual property and patent design company.Acted as a creative source and executive management advisor advancing business concepts and designs for ventures in insurance, healthcare (hospital system expansion and acquisition/affiliation strategies), new product and distribution structures (P&C),and neuro-visual stimulation recognition technologies (InsuredLight). Responsibilities included patent design, strategic advice, solution implementation, market share domination using value perception (non-pricing) methodologies, and predictive algorithms - created for B2C;B2B,C2C,G2B/C businesses using predictive analytics for competitive and regulatory/political advantage.Developed proprietary marketing and pricing plans to lead strategic solution implementations. Efforts included seeking selective resolution of the un/under-funded pension crises (POLIS), and creating automotive marketing opportunities in the new mobility environment.

Operating under a terminal disclaimer agreement with USPTO, DTL was a patent holding company founded to design and implement new B2B, B2C, consumer, intra and cross-industry marketing and product development.Contributed operating models as inventor and patent holder of IP and TM assets. Demonstrated proficiency in luxury, urban and minority markets and distribution channels. Designed patents to optimize the inescapable intersection of the interdependent financing of automobiles, F&I, insurance, and receivables growth. This was empowered by designing pricing algorithms for consumer predictive buying and selling of cars; uniquely, with flat pricing for auto insurance policies, without utilizing classic underwriting parameters. Pricing was unprecedented and anathema to traditional underwriting and actuarial thinking, yet yielded CLR’s below 50%..

Created and deployed patented core IP. Managed and operated a core team of 8 people in profitable programs that generated $14M+ of premium. ITC, LLC managed and operated patented joint ventures with Volkswagen, General Motors and two national insurance companies.Directed preparations for future joint ventures between major auto manufacturers and top-10 rated national insurance organizations. The product designed increased new automotive sales, the first insurance programs where no dealer licensing was required. It was utilized by the U.S. Treasury’s Car Czar department. It featured the first integrated OEM and Dealer “free” insurance/value marketing initiative. It was empowered by multiple IP patents and business processes, allowing for the use of automobile insurance as a marketing and pricing incentive.It materially reduced OEM incentive costs when purchasing, leasing, and/or financing an automobile. When operational, the programs increased sales by 43% (VW) and 16% (GM) in their pilot states. They received substantial, positive publicity and recognition for innovation and operational results.Among the greatest successes during these initiatives was assisting an internationally recognized insurance group in securing regulatory approval for these programs in 37 states.

Insurance Consulting and Strategic operations advisor retained by the Chinese government to analyze and advise on the rapidly expanding Chinese property & casualty insurance markets, dealing with rapid, uncontrolled growth, dysfunctional distribution channel issues, operations and technology issues, with a major focus on fraud identification and prevention strategies.Analyzed the structure and functional capabilities of the healthcare system across the needs and broad diversity of China’s demographic and geographic expanse. Chartered by, and responded to, select central and provincial committee members on the organization and production of a 21st century “vision plan.” Contributors to the creation of a mission statement, structural/operational action plan, and mapped deployment protocols. Prepared cost-benefit analysis and proposals regarding a hierarchical, treatment based program that dealt with the extraordinary and unique demands of China.

Retained by Chairman/CEO and General Counsel to address concepts and strategies focusing comprehensively on the mortgage businesses, operations, and products, as well as conceptually address potential corporate liability issues. Consulted directly with and through LB’s executive officers into the mortgage operations, MBS, and ABS functions. Charter was to advise on structures, products, and methodologies that could contribute to viable redirection and rehabilitation plans. Assisted in the evaluation of several operating recommendations that ultimately were not able to be adopted at that time.

The Robert Plan Corporation (RPC) provided comprehensive private passenger and commercial auto and commercial property/liability administration, underwriting, claims and fraud prevention services to over fifty U.S. international, national, and regional insurers. Its reputation for industry-leading operational and financial results was forged in the urban markets for standard, non-standard, assigned risk (AR) and “program”auto insurance.LAD, CLAD, ”ZERO-LAD”, and Depopulation mechanisms changed the face, availability, and affordability of insurance for both consumers and Insurers. RPC was recognized for almost 20 years as the P&C Industry’s pioneer in difficult, unprofitable businesses and ”problematic” regulatory environments.Among its most renowned achievements was the development of industry leading anti-fraud methodologies and technology for the P&C, health and state and federal government agencies.• Partnered with Colonial Penn and AIG on over $13 billion of premiums, primarily urban, on a national basis. • Created and deployed unique structures and transactions to assist major insurers in exiting, or both operationally and economically unprofitable books and lines of business in dysfunctional regulatory environments.• Regularly achieved 80-90% market shares in its core markets in generically priced businesses, RPC secured contracts (many uniquely constructed and multi-year) at above market pricing, often with newly created operating structures as a result of its reputation for consistently superior results.• Uniformly superior operational and financial results year over year. Its pure loss ratio and alae/lae, fully earned out, was a CLR of 76.4. Its operational and financial measurements exceeded industry performance by 20-30 points or more.• Achieved superior expense and profit measurements, despite linear volumetric growth from 2-24 states; 70-1,600+personnel.

First Vice President of New Product Development at First Interstate (FI). Participated in the creation of loan segmentation strategies and sales of asset and liability investment products both intra-bank and to securities firms. Created "equity participation" mortgage products for FI to use with "troubled real estate loans". Programs were recognized by the Federal Home Loan Bank in San Francisco as providing disruptive innovation to the residential mortgage markets. Re-engineering of HUD 221 D3 and D4 loan structures was lauded by HUD for their ability to attract new investors to HUD’s security sales.Advised Federal Home Loan Banking System, and FI senior management and applicable BOD committees on strategic marketing, distribution, new product development, M & A, and both "growth and withdrawal" action plans.

Helped organize plans for projects including fixed income asset sales to liability executives at financial institutions and banks,ABS securitization sales and strategies,MBS design structures,and sales.Represented SLB before U.S Congressional oversight Committees on Mortgage and banking operations. Member of SLB Partner’s Committee on business resolution of the lesser developed country debt crises. Was privileged to work in SLB’s new products operation with senior partners and officers on initial evolution of MBS and ABS securitization programs and products.