Tom’s skill set is based on twenty-six (26) years of collaborative based experience as a broker, business risk analyst, risk manager, risk management consultant, underwriter, business developer, and team manager in the areas of:
- Risk framework development
- Insurance program design, development, allocations, execution, management and optimization
- Hazard, threat, risk, vulnerability and risk identification, assessment, and quantification
- Business continuity planning
- Risk transfer and retention
- Project management, training and presentation
- Risk management strategy consulting
Tom has significant experience in the design, development, implementation, and management of a wide array of risk financing structures and solutions, from the conventional to alternative, designed to protect the assets and stakeholders of the organization, and enhance annual operating cash flow.
Specific experience includes:
- Underwriting, exposure and risk analysis, file audit, rating, reinsurance placement, and policy drafting
- Governance, risk, and compliance: strategy development, identification, analysis, assessment, and management
- Business strategy consulting, strategic planning, business analysis, budget preparation and management
- Team, engagement, and project management
- Risk and stakeholder identification
- Policy comparison and coverage analysis
- Contract specification analysis
- Feasibility studies: cost, capitalization, return on investment, risk retention, multiple year financial statement package, profitability ratios, loss assumptions, etc.
- Modeling and analysis of risk tolerance, cash flow, and program cost benefit
- Broker, customer, internal and external training
- Writing (including published material) and speaking engagements
- Design, development, implementation of single parent captives, group captives, micro (831b) captives, risk retention, and risk purchasing groups including structural and operational analysis, cash flow analysis, formation, policy writing, reinsurance placement, administration, and strategic consulting
- Alternative risk financing program analysis, structural design, operational modeling for a wide variety of solutions including loss portfolio transfers, workers’ compensation occupational accident carve outs, finite risk, contingent capital, multi-year multi line, dual-triggers, integrated excess, weather insurance, residual value solutions, etc.
- Enterprise risk management consulting and implementation
- Risk management balanced score card design, development, implementation, and stewardship