A former Insurance Commissioner & Executive

Specialties & Experience of this Expert Witness

Additional Information

Expert Witness Profile – Insurance Regulation, Claims Practices, Financial Analysis, and Structured Finance Former Wisconsin Insurance Commissioner and senior insurance executive with 20+ years of experience across insurance regulation, insurer operations, financial analysis, and corporate governance. Recognized expert in insurance industry standards, claims handling practices, bad faith, regulatory compliance, and insurer financial condition. Provides expert witness services in state and federal courts, including depositions, jury trials, and litigation support. Areas of Expertise • Insurance Expert Witness • Insurance Bad Faith & Claims Handling • Insurance Regulatory Compliance (State & Federal) • Insurance Company Financial Analysis & Solvency • Property & Casualty Insurance Practices • Life Insurance & Annuities • Health Insurance & Managed Care • Mortgage Insurance & Financial Guaranty Insurance • Insurance Receivership & Run-Off • Reinsurance & Risk Transfer • Structured Finance & Insurance Capital • Credit Rating Agency Methodologies • NAIC Regulatory Framework & Risk-Based Capital (RBC) • Corporate Governance & Board Oversight Professional Experience & Credentials Insurance Commissioner – State of Wisconsin Directed regulation of all insurance lines, including property & casualty, life, health, mortgage, and financial guaranty insurers. Oversaw financial solvency, market conduct, rate regulation, and compliance during the Great Recession. Direct engagement with insurers, regulators, and policymakers on complex financial and operational issues. Receivership & Insolvency Expertise Led the partial receivership of one of the largest financial guaranty insurers in the United States. Managed complex structured finance exposures, including RMBS, ABS, and CDOs, and coordinated with courts, investment banks, and restructuring advisors. Financial Analysis & Securities Valuation Extensive experience evaluating insurer financial condition, investment portfolios, and structured securities. Leadership roles aligned with national regulatory frameworks, including the Securities Valuation Office and financial condition oversight within the NAIC system. Health Insurance & Healthcare Governance • Contributed to state-level implementation of the Affordable Care Act • Six years on the board of a 450-bed regional health system, including Finance, Audit, and Executive Committees • Oversaw a state medical malpractice reinsurance fund • Participated in the merger of a regional health insurer with Unity Health Credit Rating Agency & Structured Finance Oversight Independent director of Kroll Bond Rating Agency (KBRA), with responsibility for reviewing and approving rating methodologies across insurance, structured finance, and public finance sectors. Direct interaction with the U.S. Securities and Exchange Commission regarding oversight of NRSROs. National Regulatory Leadership Former Vice-Chair, National Association of Insurance Commissioners (NAIC) Life Insurance and Annuities Committee. Contributed to national regulatory standards, solvency oversight, and policy development affecting insurers nationwide. Litigation & Expert Witness Experience • Extensive experience as an insurance expert witness in state and federal courts • Deposition and jury trial testimony involving insurer operations, claims handling, underwriting, and regulatory standards • Expert opinions on insurance bad faith, coverage disputes, claims practices, and industry customs and practices • Ability to translate complex insurance, financial, and regulatory concepts into clear, credible testimony for judges and juries