Management professional with extensive experience of increasing responsibility in risk management, insurance and related functions. Significant experience with alternative risk financing vehicles including four (4) captive insurance companies and large deductible casualty programs. Captive experience includes two (2) domestically domiciled credit life insurance companies, one (1) Bermuda based group captive providing professional lines coverage primarily to money center banks, serving on the executive committee for five (5) years and as chairman for one (1) year, and one single parent captive that consistently produces over $10 million in annual net income for its parent while reducing the cost of risk previously paid to third party insurers.