HIGHLIGHTS

• General Counsel to finance and insurance companies and producers; litigation - defense and plaintiff; trademark; collections.
• Experienced advising NYX financial companies about legal, corporate, insurance, benefits, SEC and regulatory matters.
• Knowledgeable regarding welfare benefit plans and their governing state and Federal laws and regulations, i.e. ERISA, Knox-Keene Act, COBRA and CalCOBRA, HCFA, DOC, FMLA, ADA, Labor and Insurance Codes and Regulations, etc.
• Artfully drafted, negotiated and filed with DOIs and DOCs various policy forms and benefit booklets and disclosure forms.
• Able to reorganize and respond to meet changing priorities and deadlines.
• Superior communication skills to advise lay persons about complex legal concepts.
• Supervised litigation from service of process to settlement/judgement for major corporation.
• Drafted software agreements and procurement processes

MEMBERSHIPS:

State Bar of California A098341,
9th Cir. Federal Bar - Central Dist., and
former member of National Association of Health Care Lawyers; and
S. California Conference of Insurance Counsel

LIABILITY / LOSS CONTROL / RISK MANAGEMENT

LITIGATION EXPERIENCE

Business disputes; complaints and answers, discovery, sanctions, mediation, settlements, etc.
Regular courtroom appearance in collection matters.

NEGOTIATION SKILLS

Negotiated provider contracts with financial service systems.
Formulated the contents of business documents for provider services, third party administration, managing general underwriter, reinsurance treaties, and computer services contracts.
Negotiated final disposition of group health claim litigation.

MANAGEMENT SKILLS

Supervised eight-person team to review and correct legacy documents.
Supervised a four-person team to draft and distribute treaties.
Analyzed and flow-charted financial operations and procedures.

ORGANIZATIONAL / ADMINISTRATIVE SKILLS

Reorganized the compliance department for several corporations.
Drafted contract systems for several companies - all forms.
New product development; drafted and filed all business forms.
Codified paperwork and pre-printed forms systems for corporations.

REGULATORY COMPLIANCE SKILLS

• Demonstrated ability to analyze, research and determine legislative impact, regulatory development and trends on company products and operations, and to appraise company
• Proven ability to analyze and apply complex statutory and regulatory information to insurance products and operations; analyze, interpret and explain contract provisions
• Experienced to design and conduct training programs regarding compliance issues
• Supported, participated in, lead and monitored company implementation actions in response to regulatory and legislative enactments; appraise management
• Developed, drafted and maintained a compliance bulletin system for several companies to advise staff of legislative changes and impact
• Researched, interpreted and responded to inquiries from company personnel regarding regulatory compliance and product development issues
• Respond to market conduct examinations, audits and lifted 'Cease and Desist' orders

SKILLS:

Computer literate in MicroSoft Office Suite 2000, several other word processing, spreadsheet, data base, powerpoint, statistical, HiWire, NILS, HTML, Internet and e-mail programs. Experienced insurance underwriter and questioned claim examiner. Capable of performing electronic DOI form submission. Typing tested = 45 nwpm.

Research Skills:

College trained and experienced in higher order statistical analysis and interpretation.
Trained to designed evaluation forms, questionnaires and tests and to model the results.
Experienced pc statistical program and spreadsheet user.
Trained legal researcher, J.D., both library and computerized systems.
Experienced rendering and drafting insurance coverage opinion.
Experienced identifying and monitoring health law and regulation changes and interpreting them for management and staff.

UNDERWRITING ANALYSIS:

Able to analyize prior group financial and risk history and adjust for program differences and inflation.
Capable of financial analysis to underwriter groups moving from fully insured to partial or fully self-funding programs.
Knowledgeable regarding group Life, W.I., and health risk analysis and health, life, W.I./S.T.D. and AD&D underwriting standards.

COLLECTIONS:

Process collections. Many court appearances for in-house collections. Negotiate settlements. Process garnishments. Establish real property liens. Skip tracing.

Example Legal Representation:

Low-Cost Insurance v. Ryngler Ins. Agency (plaintiff) business torts settlement

Payne v. Low-Cost Ins. Svcs. (AAA arbitration)

PacBell v. 1-800-4INSURE, INs. Svcs. (defense) settlement

Wells Fargo Bank, N.A. v. Mandel (defense) cross-complaint wins!

Cook v. Quality Auto Sales and Services - defense

Estate of Greenberg v. Estate of Yee

Med One Health Plan before Nevada Department of Insurance to lift a Cease and Desist Order for failure to comply with new statutory requirements to offer small employer group health plans.

Colorado TPA in L. A. Federal Court - 9th Cir. Central District against health care claimant.

Defended Los Angeles Physician against Federal Criminal charges and Grand Jury Investigation regarding unlawful experimentation upon patients.

Represent Physician in negotiations with contracting/sponsoring hospital system.

Multiple health care claimants against major California insurer for their failure to make claim payments.

EDUCATION

(select link)

Degree and Title	Subject	Institution	Location
J.D. Doctor of Jurisprudence	College of Law	Western State University	Fullerton, California
M.A. Master of Arts	Education: Psychological and Quantitative Foundations (with research grant)	Graduate College University of Iowa	Iowa City, Iowa
B.Sc. Bachelor of Science	Psychology (experimental)	University of Iowa	Iowa City, Iowa
Diploma H. S. Graduate	College Preparatory	Lexington Senior High School	Lexington, Massachusetts

References will be made available upon request.