Procure all of Apple’s property and casualty insurance programs globally. Manage Apple’s exponential growth, partnering with internal groups (tax, legal, supply chain managers, operations, logistics, HR, treasury, foreign offices, M&A integration, ATV+, campus/data center construction and expansions) to constantly monitor and adapt to new potential risk exposures. Key team member in the creation of Arizona domiciled captive insurance company. Ongoing management and day to day operations of captive insurance programs including WC and Auto Deductible reimbursement policies, global property, ATV+ Production package policy, International Employee Benefits. Analyze new captive opportunities, underwriting committee member for international benefits captive program. Thoughtful and divisive attention to Apple’s risk appetite to maintain balance of insurance purchase and self insured retentions. Work closely with internal business groups such as employee benefits and wellness teams to review employee offerings, i.e. fitness centers, bike program, health and educational services, concierge services, for thorough risk assessments. Manage WComp reporting and auditing for multiple entities both domestic and international. Responsible for department budget, financial planning, loss reserves and actuarial studies, and cost allocations, accounting and reporting. Review and draft insurance requirements in contracts with both vendors and customer bids. Manage Apple’s surety bond and collateral programs. Coordinate property loss control visits and plan reviews for all office space, retail stores and inventory locations. Assist in claims handling, including property, retail liability, products liability, WComp, auto, etc.

Prepared underwriting submissions and applications for global insurance programs. Coordinated marketing, internal exposure data and communications with brokers. Restructured documentation retention controls and paperless web based document management. Part of legal committee to tender and monitor litigation to insurers in relation to Errors and Omissions, Directors and Officers, General Liability, and Employment Practices Liability. Vendor contract review and assessment to ensure appropriate protection based on analysis of risk associated with scope of work. Managed captive insurance company domiciled in Hawaii. Managed the US and Australia Vehicle Protection Programs.

Responsible for the procurement and maintenance of all corporate insurance policies. Prepared underwriting submissions and negotiated renewals. Managed captive insurance company domiciled in Hawaii. Maintained collateral database. Implemented Risk Management Information system (STARS) to track data related to underwriting, claims, schedules of insurance. Navigated insurance needs while understaffed during bankruptcy proceedings 2005-2007.