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Work Experience:

December 1990 to Present               AIS Risk Consultants          Freehold, NJ

           Consultant

·        Actuarial and casualty insurance consulting on rates, policies and law changes.

·        Testified at Farmers Insurance Exchange private passenger automobile rate hearing in Nevada, December 1992.

1984-1990                New Jersey Department of Insurance          Trenton, NJ

           Chief of Rating Bureau       

·     Provided testimony for the Department on automobile rate filings.

§         Prudential Property & Casualty Company, March 1989

§         Allstate Insurance Company, February 1989

§         Aetna Casualty & Surety Company, December 1988

§         Insurance Services Office, Inc., August 1988

·        Commissioner’s representative to New Jersey Automobile Insurance Plan Governing Committee.

·        Commissioner’s alternate representative to New Jersey Automobile Insurance Risk Exchange Board of Directors.

·        Commissioner’s representative to Motor Vehicle Point Study Commission.

·        Member Department Task Force on Automobile Rating Territories.

·        Responsible for the Bureau that conducted the review of all changes in rating systems for casualty insurers.

 1981-1984                New Jersey Department of Insurance          Trenton, NJ  

           Supervising Rate Analyst

·        Supervised unit responsible for the review of all casualty insurance personal lines of business, including automobile, homeowners, personal umbrella and personal inland marine insurance.

·        Priced rate changes due to automobile insurance law changes.

 1971-1984                New Jersey Department of Insurance          Trenton, NJ

           Rate Analyst

·           Testified at hearing in reference to Classifications in Private Passenger Automobile Insurance, 1980.

 Professional Designation

·        Chartered Property and Casualty Underwriter, 1981

Education

           1971   Drew University    Madison, NJ

·        B.A., Economics.