Our Team of Risk Advisors

The breadth of industry experience and depth of expertise you need.

John Kelly is Managing Partner at Hanover Stone Partners, LLC, which was founded in 2009 as a holding company with targeted investments in risk management consulting, risk management services, claims and loss control services, specialty insurance brokering, and product distribution.

He has 35 years of experience in the insurance brokerage industry, with extensive background in strategic planning, acquisitions, investments, operational management, sales leadership, new business development and senior client relationships.

Operationally, John has had responsibility for both property/casualty and employee benefits companies and has overseen operations in all business segments including Fortune 1000, Middle Market, Programs, Construction & Environmental, Health Care, Personal Lines, Marine & Aviation.

David Adler is a risk management professional with more than 30 years experience in risk management, insurance and employee benefits, including global risk management and insurance programs for professional services, financial services, real estate and manufacturing organizations.

David has been with Strategic Risk Advisors LLC since 2009 where he is President. He focuses on business development and providing professional services in the risk management, insurance and employee benefits fields.

From 1986 to 2009 he was at Portman Holdings, LLC/ Portman Risk Management where he was Director of Risk Management and responsible for the risk management of Portman and its affiliates. At Portman, he was also managing director of the third party risk management and employee benefits consulting practice.

From 1977-1986 he was at Rollins, Inc. where he was Insurance Manager of the services conglomerate with responsibility for all insured programs including both property/casualty as well as employee benefits for pest control, security, communications and oil field services operations.

David received his Master of Business Administration from Georgia State University in Atlanta in 1981 with a major concentration on risk management and insurance.

Some of David’s accomplishments include: managing the restructuring of the insurance program in support of the separation of a New York Stock Exchange company into three separate NYSE entities. He also managed the servicing of a construction and operational insurance program for the largest fully-foreign invested real estate project in the People’s Republic of China.

Andrew Barile has more than four decades of experience in the insurance industry, where he has been a thought leader in creative methods to utilize captives, captive governance, reinsurance structures and financial insurance products. His deep industry experience crosses all aspects of the insurance distribution system including admitted and non-admitted insurers, wholesalers, managing general agencies, direct-writing & broker market reinsurers, Bermuda reinsurers and captive insurance companies.

Prior to his current position as CEO of a risk and insurance consulting firm that bears his name, he was president of the Commercial Division of Arrowhead General Insurance Agency. Earlier, he was president and CEO of Insurance Agency Programs, Inc. and was a director of U.S. Property & Casualty Surplus Lines Insurance. The author of numerous insurance and risk management textbooks, Mr. Barile holds the Chartered Property & Casualty Underwriter (CPCU) professional designation. He is a graduate of The College of Insurance, St. John's School of Business & Risk Management, and earned an M.B.A in International Business & Finance from NYU, Stern School of Business.

Ken Bauer joined Hanover Stone Partners in 2012 and brings with him over 30 years of senior management experience, specifically in the areas of executive leadership, finance and risk management. Ken most recently worked for THALES, a global leader in the aerospace, defense, security and transportation markets. Prior, Ken served as Chief Financial Officer and then President of National Transit for Railworks Corporation, a large national transit contractor with approximately $500 million in revenue, where Ken was responsible for the successful operational management of $200 million of transit construction projects.

From 2000 to 2003 Ken served as President/CEO of Long Island Railroad (LIRR) where he was responsible for the operation of the largest commuter railroad in North America, running 740 trains, carrying 290,000 customers on a daily basis. At that time, LIRR’s workforce consisted of 600 managers and represented 6,000 employees spanning 13 different unions. Ken was also responsible for the oversight of a $2 billion capital construction program as well as construction management of the $5.2 billion East Side Access Project.

Prior to his role as President/CEO, Ken was Vice President Finance/CFO at LIRR, responsible for all budgeting, treasury and financial operations as well as risk management oversight. Ken was integral in initiating legislation to establish the first captive insurance company domiciled in New York State which provided the MTA with $6 million underwriting profit in the first year of operation. Mr. Bauer directed the consolidation of the Risk Management function which previously existed at each agency of the MTA into one organization at MTA headquarters saving 12 positions, increasing the previously under insured property program as well. As a result the MTA was fully covered for the replacement of the Rector ST. subway station destroyed by the WTC attack on 9/11. The MTA received approximately $500 million dollars in insurance money less the $15 million deductible.

Before becoming Vice President Finance/CFO of LIRR, Ken served as Deputy Chief Financial Officer at the Metropolitan Transportation Authority where he was responsible for the comptroller, treasury, information systems and risk management functions. Ken directed consolidation of various departments and functions to provide greater productivity at reduced costs and also created a standardized employee benefits program generating $25 million in savings over three years.

Ken is a graduate of Bradley University with a BS in Finance. He sits on the Board of LIFT (Long Island For Technology) and is the Chairman for the LIFT Rail Alliance.

Bernard M. Brown (“Bernie”) is President of Insurance Advisors LLC, Stamford, CT., America’s leading provider of insurance consulting and outsourcing services to the commercial real estate finance industry.

Bernie was born and raised in Indianapolis, Indiana, and received his Bachelor’s degree from the St. John’s School of Risk Management and Actuarial Science. He also earned an M.B.A. from the Harvard Business School in 1974. He is a Chartered Property and Casualty Underwriter (CPCU) and Chartered Life Underwriter (CLU). He is a member the Mortgage Bankers Association of America and Building Owners and Managers Association

After graduating from Harvard, Bernie joined a Wall Street securities firm where he was a research analyst following publicly traded insurance stocks. He then joined a risk and insurance management consulting firm specializing in providing services to Fortune 1000 companies, including banks and other financial services companies where he became a partner. This firm was then sold to a larger competitor and Bernie then became active in starting and developing a wide range of insurance ventures, including a publicly traded reinsurer, an insurance agency that sold earthquake insurance to California homeowners, and an offshore captive insurer that provided professional liability insurance to testing laboratories.

In 1996, Bernie formed Insurance Advisors LLC based on the premise that the commercial real estate finance industry, including real estate lenders, servicers as well as building owners was underserved when it came to obtaining independent, objective advice regarding property and liability insurance matters. Insurance Advisors LLC has grown over the years and now has about 35 clients nationally and a staff of 12, including 10 professionals.

Bernie is a well-known speaker on insurance topics related to commercial real estate finance, including webinars co-sponsored with the Mortgage Bankers Association of America. He also writes a monthly Client Bulletin and has authored columns and articles for Commercial Mortgage Insight and other publications.

Robert B. ("Bruce") Brumbaugh has more than 30 years of experience in all areas of risk management and insurance services. He began his career with American Financial Group in 1979, rising to the position of vice president, Risk Management responsible for American Financial Group, The Penn Central Corporation, and Provident Bank. In 1995, he moved to Aon Risk Services where he focused on the firm's large corporate clients. He held similar responsibilities in subsequent management roles with Willis, which he joined in 2006, and afterward with Hylant Group.

A past president of the Risk & Insurance Management Society (RIMS) Cincinnati Chapter, Mr. Brumbaugh holds the Associate in Risk Management (ARM) professional designation. He earned a B.S. degree in Economics from Ursinus College and an M.B.A. in Insurance and Risk from Temple University.

Raymond Bucci, Jr is a Partner at Triton Value Partners, Roswell, Georgia where he provides strategic advice to clients in Risk Management , Risk Financing, Self-Insurance, Self-Administration, Budgeting and Operational planning and execution.

From 2000 to 2006 Mr. Bucci was with Swiss-based Royal Ahold as Vice President and Global Risk Manager. Royal Ahold had operations in 28 countries and a risk financing program which had direct and reinsurance captives located in Vermont and Curacao. The annual risk management budget was in excess of $400 million, about $280 million of which was retained in the risk financing program. From 1996 until 2000, Mr Bucci was with Ahold USA as Vice President Risk Management. He was responsible for the development and implementation of a national risk management and claims administration for all US subsidiaries of Royal Ahold, the parent of Stop & Shop Companies. Ahold USA employed over 250,000 associates and the risk management budget was in excess of $300 million.

From 1980 to 1996 Mr. Bucci was the Corporate Risk Manager at Stop & Shop Companies, Inc. He was responsible for design, development and implementation of a self- insurance program for the major regional food retailer. He created and founded The MollyAnna Company, a Vermont based captive with annual gross premiums in excess of $200 million and he served as President and Chairman for that company. He also founded MAC Risk Management, a Massachusetts based company with 160 employees, which provided risk management services and claims administration for MollyAnna insureds and he served as its President and Chairman.

From 1965 until 1980 Mr. Bucci was with State Street Boston Corp where he was the Corporate Insurance Manager responsible for planning, design and implementation of the corporate insurance program for the large regional bank. Before that he was a Home Office Casualty Underwriter with American Mutual Insurance Company (1963 -1968). Mr. Bucci received his MBA from Northeastern University in Boston in 1972. He was also a Captain in the U.S. military.

Mr. Bucci has served as a member of the Board of Directors of the Vermont Captive Insurance Association, a member of the Board of Directors of the Massachusetts Self-Insurance Association, as well as a member of the Board of Directors of the New Hampshire Self-Insurance Association and a member and chairperson of the Risk and Insurance Management Committee of the Food Marketing Institute. He has been appointed to serve as a member of the Workers Compensation Reform Committee, in both Massachusetts and Connecticut.

Paul F. Buckley is a risk management professional with more than 30 years of proven success maximizing insurance coverage while reducing the total cost of risk for Fortune 50 companies. A recognized leader in enterprise risk management, alternative risk solutions, and litigation management, he joined Hanover Stone Partners, LLC, as an Associate in 2010.

Concurrent to his role with Hanover Stone Partners, he serves as Vice President and Chief Operating Officer of Buckley Risk Management Services.

From 2003 to 2008, Paul was Vice President of Risk Management at Tyco International (US) Inc. Prior to Tyco, he served as President of Lucent’s captive insurance firm, First Beacon Insurance Company. He had previously been the Risk Manager of Lucent Technologies. He managed the AT&T Corporate Claims Department and was appointed Risk Manager of AT&T’s Systems and Technologies Company, which later became Lucent Technologies Inc. In 1983, Paul joined AT&T as Corporate Claims Manager where he was responsible for establishing the AT&T Corporate Claims Department. From 1976 to 1983, he was an Assistant Claims Manager for New England Telephone in Boston. He began his career in 1970 with New England Telephone.

Paul received numerous awards during his tenure with AT&T and Lucent, and received what may be considered the highest award within the industry, being named Business Insurance Magazine’s “Risk Manager of the Year” in 2000. In 2008, he was the recipient of Risk & Insurance Magazine’s “Risk Innovator Award”.

Paul is an Associate Faculty member of The National Alliance for Insurance Education & Research and the Risk and Insurance Management Society, Inc. (RIMS). In addition, he is a Lecturer in the Graduate Risk Management Program of Temple University.

Tom brings 40 years of diversified experience as an insurance broker, consultant, and risk manager to Hanover Stone Partners. He has extensive expertise in the global chemical and pharmaceutical industries.

Since 2001 Tom has been an independent insurance and risk management consultant as the owner of TAC Insurance Consulting, LLC. In this capacity, he has worked with the Department of Homeland Security since 2004 regarding risk and insurance qualifications under the Safety Act for the development and sale of new anti-terrorism technologies. He has also been a consultant and expert witness on multiple insurance coverage arbitration cases for Covington & Burling in Washington, D.C., and Jenner & Block in Chicago, including products liability coverage litigation involving Eli Lilly & Company, Merck’s Vioxx drug, and litigation regarding coverage for hurricane damage. Before establishing TAC, Tom was a consultant and risk manager for Syngenta Corporation, the world’s largest agricultural chemical company, where he designed and implemented a new risk management program.

Tom previously served as Senior Vice President and Global Practice Leader for the Chemical and Pharmaceutical industries at Marsh Inc. , as Senior Vice President at Sedgwick, Inc., and Senior Vice President and practice leader for the chemical and pharmaceutical industries at Alexander & Alexander. Other experience includes 15 years at Cyanamid Company, a Fortune 100 chemical and pharmaceutical company, as Director of Risk Management responsible for all aspects of the global risk management program, including the management of the company’s Bermuda and Vermont captives. Tom began his career serving 11 years with the Philadelphia Electric Company as Assistant Insurance Manager responsible for all aspects of the company’s risk management program, and then three years with Monsanto Company as the Assistant Risk Manager responsible for the company’s U.S. risk management program, including the management of a Bermuda captive insurance company.

Brent Clark joined Hanover Stone Partners as an Associate in 2011. Since 2006, Brent has been Managing Director of Arcadia Funds, based in Waltham, MA, which is a private investment company specializing in insurance related investments.

Brent was with Strategic Risk Solutions Inc. in Waltham, MA from 1993 until 2006. In 2002, Brent was Managing Director and Co-Owner following a management buyout of the company from Winterthur Insurance Company. Following the management buyout, SRS specialized in captive insurance companies and other solutions for corporate insurance problems. Brent sold his ownership interest in the company in July 2006 to pursue the creation of Arcadia Funds.

From 1998 to 2002 Brent was Executive Director of SRS, a unit of Winterthur. He managed the New York office and served as the group financial coordinator. He sponsored twelve structured insurance transactions that generated $42.7 million of premium and $8.8 million of claims.

In 1993, SRS was created by Arkwright Mutual Insurance Company. Brent served as Managing Director and acted as transaction team leader, as well as financial coordinator for the group. He had oversight responsibility for the management of a $60 million investment portfolio for a Bermuda-based affiliate insurance company.

Brent was Vice President of the Insurance Derivatives Group at Bankers Trust Company in New York from 1988 to 1993. He was a founding member of a new unit within the Capital Markets Group that focused on creating opportunities for the bank in the insurance arena. He assisted in the creation of new liability management products that generated more than $300 million in revenue and $50 million in profit.

From 1980 to 1988, Brent was a risk management consultant with Tillinghast, a Towers Perrin Company, in two locations: Dallas, Texas and Darien, Connecticut.

He received a B.S. in Economics from Centre College in Kentucky and an M.B.A. from the University of Georgia with a concentration in risk management. He also received his law degree from Fordham University in 1992. Brent completed the Bankers Trust Capital Markets Training Program and he holds the CPCU and ARM professional designations.

Len Crouse, one of the most respected and recognizable names in the captive insurance industry, joined Hanover Stone Partners, LLC, as an Associate in 2009. Len began his career in risk management and insurance regulation more than 30 years ago. Under Len’s guidance, Vermont’s captive insurance legislation became the gold standard, a model for many other states that subsequently started captive insurance operations. Vermont now has more than 800 licensed captives and is the world’s second largest domicile as measured by total written premiums. In 2008, he joined Towner Management Group’s (TMG) U.S. operations as a partner to help jumpstart the company’s captive insurance and consulting business domestically.

In 1990, Len was named director of captive insurance of Vermont’s Department of Insurance. During his tenure, when more than 600 captives were licensed in Vermont, he advanced to deputy commissioner and became recognized worldwide as a leading authority on captive insurance regulation. After beginning his career with the Massachusetts Department of Insurance in 1971 as an examiner, Len became chief examiner and headed up a department of two dozen associates in the state insurance department’s property/casualty division

Sporting extensive knowledge in all types of captive insurance structures, industry and insurance uses, Len is an author and in demand as a speaker at industry conferences around the globe. He continues to keep in touch quarterly with U.S. state captive insurance regulators. In 2007, Len was honored by the Captive Insurance Companies Association (CICA) when the organization gave him its lifetime achievement award.

Michael brings more than 30 years of experience in risk management and group benefits for major international corporations. Michael has a track record for successfully managing large domestic and international property, casualty, and marine programs utilizing traditional insurance, captives and alternative risk treatments, and administering aggressive claims management and loss control programs for workers’ compensation, general and automobile liability and property exposures resulting in significant reductions in the cost of risk. He has also directed the planning, purchase and administration of employee benefit programs including health, welfare, disability and savings and retirement plans.

Since 1995 Michael has been providing consulting services to the Global Benefits Department of a major financial institution with responsibility for the procurement, administration and management of claims worldwide for insured and self-insured workers’ compensation programs, disability and travel accident. Between 1990 and 1995 he was Vice President – Risk Management at R.H. Macy & Co, Inc. in New York City where he was oversaw all property, casualty, loss control, life and disability programs as well as group health planning and purchasing for major retailer with more than 60,000 employees and sales in excess of $6 billion.

Michael was Vice President at Johnson & Higgins managing all insurance program negotiation, placement, claims and client services for multinational companies including Sony, PepsiCo, and Konica., and before that served as Director of Asset & Risk Management with RJR Nabisco, Inc., in Atlanta, Ga., handling worldwide risk management, loss control and group benefit funding. Michael also spent nine years as Director of Risk Management with United Brands Company, an international food and manufacturing company with sales of $3.5 billion, where he established a consolidated risk management and loss control program and directed the placement of all programs including property, casualty, marine hull, and cargo. He began his risk management career as Assistant to the Director, Insurance and Pensions, for Eastern Air Lines, Inc., and later as Manager of Insurance and Benefits for Harman International Industries, Inc., in Lake Success, N.Y.

Peter M. Densen, C.P.C.U. is the Managing Member of Densen Consulting LLC, a risk management consulting firm. He was previously a Managing Member of Talos Partners LLC, a merchant bank, where he served as Chief Financial Officer and Chief Risk Officer. Before Talos, he was a Managing Director of Aon Global Risk Consulting, focusing on Alternative Financial Products. In this capacity, he advised clients on non-standard approaches to risk treatment including captives, structured insurance, enterprise risk, and capital market mechanisms. He was the chairman of Aon’s U.S. Captive Council.

Prior to Aon, Peter was a Senior Vice President of Alexander & Alexander of New York, co-director of the Risk Strategies Group, and served as the chairman of the intellectual capital initiative for the U.S. company. His activities included state of the art approaches to the risk management process such as earthquake and windstorm modeling, derivative based risk transfer mechanisms, structured insurance, multi-year cross class programs, and other alternative funding approaches to risk treatment, including captive insurance companies.

Peter orchestrated the formation of a privatization consulting group on which he served as a director and he chaired a committee focusing on the use of derivatives in insurance. He also served as a member of A&A’s pension investment advisory committee.

Previously, he was Managing Director of Anistics, A&A’s risk management consulting division, where he was involved in risk information systems and analytical approaches to risk management such as the modeling of enterprise risk (including non-insurable risk) and the use of neural network analysis to solve the business problems of clients. A&A’s captive insurance company management division also reported to him during this period.

From 1986 to 1991, Peter was Senior Vice President and Chief of Staff of Alexander & Alexander Services Inc. where he was responsible for the holding company’s strategic planning process and for corporate development. Peter was also a Senior Vice President of Alexander & Alexander Inc., the U.S. retail brokerage company, a member of its board of directors, and served on its planning committee.

Before moving to the strategic planning function, Peter was the Chief Financial Officer of A&A Services during the period when Reed, Stenhouse was acquired. Earlier in his career with A&A, its Illinois R.B. Jones division and Paul Burke Associates division also reported to him. He was A&A’s representative on the board of directors of a joint venture Bermuda insurance broker and also served on the board of KCC Syndicate Managers Inc., a firm organized to manage New York Insurance Exchange Syndicates. In addition, he was a director of Paladin Reinsurance Company, a New York licensed, joint venture reinsurance company that has been in run-off since 1986.

Peter spent five years with Coopers and Lybrand, where for two years he was a tax accountant supervising a group involved in the structuring of lease financing and FHA and conventionally financed real estate transactions. He received an M.B.A. from the Harvard Business School in June 1966, where his studies emphasized finance and operations research. He holds a B.A. degree in economics from Trinity College in Hartford, Connecticut. Peter has served as an adjunct professor at the Fordham Graduate School of Business Administration, where he taught a second-year seminar on the corporate management of real estate. He was licensed in New York as a CPA, and was also licensed as an insurance broker and a securities broker.

Thomas N. Falzarano joined Hanover Stone Partners as an Associate in 2011. He is a senior claims executive with over three decades of claims and risk management experience. Tom founded The Boxwood Group in March 2007. The Boxwood Group, based in Bernardsville, New Jersey, is an independent claims consulting firm that provides dispute resolution and strategic risk management claims solutions for corporate insureds, insurance brokers, insurers, and third party administrators. The premise of the firm is to help clients with property and casualty insurance claim related issues by providing them with practical solutions. The Boxwood Group’s main stable of clients includes a global insurer, wholesale and retail brokers, and risk management clients. Tom acts as an advisor and advocate by helping clients resolve insurance coverage and claims handling disputes. On the client’s behalf, he acts as an intermediary to bring parties together to manage complex claim matters and resolve contentious claim strategy and coverge issues.

Tom was a claims executive for Marsh USA between 1980 to February 2007. He was a Managing Director at Marsh USA and he also served as the Global Casualty Claims Practice Leader for Marsh Risk Consulting (“MRC”) since 2003. As the Practice Leader he led a $55 million claims consulting practice. He was responsible for the vision, strategy and leadership of the practice. He had oversight of a nationally recognized team that provided insurance claim advocacy, damage review, and preparation services. Tom was responsible for ensuring that Marsh claims consultants were experienced in coverage analysis, claim investigation, and reviewing economic damages – specifically in casualty claims.

Tom served in several leadership positions within Marsh, including Consulting Manager for the New York office with full P&L and operations management responsibilities over various risk consulting practices. Under his leadership, the NY consulting operation’s revenue grew from $4.5 million to $31 million in two years (2000–2002). Other leadership positions included National Casualty Claims Leader (1999–2000), Northeast Regional Claim Manager and Manager of Marsh’s New York Brokerage Claim Department (1995-1999), and Manager of the Morristown, NJ claim office (1982-1995).

Tom’s experience at Marsh included Senior Casualty and Property claims work on some of Marsh’s largest chemical, pharmaceutical, railroad, mining, manufacturing, electronic, and communication accounts. In addition to his claims consulting work, while at Marsh he also created and then managed for several years, a claims administration program for the adjustment of claims on behalf of a self-insured public pooling group made up of 180 school boards.

In 2003, Tom led a team to create Marsh USA’s first Claim Reporting and Management System called ClaimTrakker. In 2006, he was the Global Business Owner of a new web-based Global Claims System that all Marsh colleagues used. Tom is the co-author of Marsh’s Best Practices and Professional Standards and developed an on-line training course on this subject.

Tom has participated as a facilitator/instructor for the Risk and Insurance Management Society at a number of its annual conferences. He was a RIMS instructor for seven years teaching “Claims Management,” a course he co-created and authored. He was the original recipient of the Marsh Excellence Award for the Northeast Region in 2002. He received the Kroll CS Stars Cross-Practice Award in 2005.

Before joining Marsh in 1980, Tom was a Casualty and Property Claims Supervisor for Reliance Insurance Company. He holds a Bachelor of Science degree from Seton Hall University where he majored in Marketing. Tom has a New Jersey Brokers License. He is a member of NJ RIMS. Tom is a past member of Hartford Insurance Company’s Broker/Agent Claim Advisory Council.

Henry Good, who joined Hanover Stone Partners as an associate in 2011, has been involved in insurance and risk management for the last 30 years. From 2006 to 2011, Henry was a Risk Management Consultant with Wells Fargo Insurance Services. Prior to his time at Wells Fargo, Henry was Director of Insurance for the Rohm and Haas Company, a global specialty chemical manufacturer which was acquired by the Dow Chemical Company.

After joining Rohm and Haas in 1970, Henry held several staff positions in the Financial Division. He became Financial Director for the Asia Pacific Region responsible for all financial functions in 17 countries. In 1985-86, he was the financial representative for the negotiations and start-up of the company’s first two joint ventures in China.

Henry was named Director of Insurance at Rohm and Haas in November 1988. He designed, implemented and maintained a global insurance program that encompassed manufacturing and sales operations in 50 countries. The global insurance program recognized the individual country needs of the local subsidiaries. Using his financial background, Henry designed programs that not only solved the non-U.S. subsidiary insurance requirements, but also assisted the Treasury, Tax and Human Resources personnel. Henry has been involved in the acquisitions and divestitures of portions of business lines, manufacturing assets, and real estate for Rohm and Haas operations around the world.

As a Risk Management Consultant for Wells Fargo, Henry worked with Risk Managers and other Shareholders to make sure all aspects of their insurance programs were fully reviewed. Henry’s claims handling advice is particularly valuable when corporations are dealing with large complex claims.

Henry graduated with a degree in Business Administration from The George Washington University. Following graduation, Henry entered the U.S. Army, serving in the Medical Service Corps during the Vietnam War where he attained the rank of Captain.

Henry has served on a number of insurance advisory groups and was very active in the formation of the Quality Insurance Congress where he served as both a Director and President. For 15 years, he was a member of the Chemical Insurance Group and a 13 year member of the Executive Committee of the M200 Group. He is currently a member of the Advisory Board for the World Captive Forum, a member of the National Risk and Insurance Management Society and the Southwest Florida RIMS chapter.

Henry is also the Insurance Advisor for the Pennsylvania Horticultural Society and a member of its’ Finance Committee. In addition to other activities, the Pennsylvania Horticultural Society annually hosts the Philadelphia International Flower Show. This is the world’s largest indoor flower show and has been in existence since 1827. Henry was also a member of the Pennsylvania Interscholastic Athletic Association where he refereed basketball for 35 years.

Marnix L.K. Guillaume joined Hanover Stone Partners as an associate in November 2011. He has spent over thirty years in international brokerage and consulting. His background and skills are in the analysis of transnational issues and how they affect a parent company. He can also assist a parent company in analyzing and managing the risks in a foreign country. He is an expert in international risk management having worked in the U.S., Europe, Latin and South America where he has helped local governments build financial structures to protect their assets.

Born in Bruges, Belgium, Marnix is fluent in English, French, Dutch, German and Spanish. He has an in-depth knowledge of local markets, cultures and risk management attitudes and he has worked on many international accounts.

Based in Minneapolis, Minnesota, Marnix is a macro-economist. He majored in Economics at Ghent University in Belgium, Universidad Menendez Pelayo in Santander, Spain, Eberhardt Karl Universitaet in Tubingen, Germany and the University of Cambridge, England . He also received a degree in cultural, social, economic, political and agricultural affairs from The College of Europe in Bruges, Belgium.

Marnix began working in the United States in 1963 as a teacher. In 1969, he joined the international operations of Alexander & Alexander in New York. He left A&A as a Vice-President in May 1980 to join the insurance brokerage firm Corroon & Black in New York City as President of their International Operations. When Corroon and Black merged with Willis Faber and Dumas of London in the early 1990’s, Marnix became Chairman of Willis Corroon International in charge of production as well as worldwide network management. His duties included managing international products and international acquisitions.

Marnix retired from Willis Corroon in 1999 and started his own consulting firm, ISIS LLC. From 2000 until 2004, he worked as a Senior Consultant to AXA-RE South America.

Dick Hackenburg, CPCU, brings more than four decades of insurance and risk management experience to Hanover Stone Partners, LLC. Richard’s extensive industry expertise includes large hospital systems, large nursing home entities, philanthropic agencies, financial services firms, and numerous Fortune 1000 companies. He has worked for some of the world’s leading insurance brokers and carriers, specializing in nonprofit heathcare, corporate risk management, insurance brokerage sales and management, and insurance company underwriting management.

Richard has been responsible for the development of risk management and employee benefit programs, organization and management of single parent and group captive insurance companies, new business development and sales management for insurance brokers, underwriting oversight and management of large books of property and casualty insurance, and strategic planning, budgeting, marketing, and the profitability of operations.

Nancy L. Kelly, SPHR, M.A. is an experienced human resources professional with exceptional business acumen and a proven track record in aligning people strategies with business objectives. A trusted business consultant and advisor to senior management and a recognized employee champion she has repeatedly demonstrated her ability to build a rapport with team members from culturally diverse backgrounds and on all career levels resulting in talented, high-performing teams that deliver effective results.

Ms. Kelly joined Hanover Stone Partners in June 2011 and provides human capital consulting and implementation expertise. She brings her unique talent, vision and breadth of experiences recommending and delivering practical solutions to business challenges resulting in outcomes that impact the bottom line. Her areas of expertise include strategy and delivery, compensation and benefits, employee relations, compliance, training and development, mergers and acquisitions, organizational design and development, performance management, leadership development and succession plan, and executive coaching.

At the global insurance firm, QBE the Americas, where Ms. Kelly worked as Chief Human Resources Officer until June 2011, she established and spearheaded the Human Resources organization in the United States and Latin America. Recruited in 2002 as the first member of the Americas HR department, she quickly established a best-in-class human resources team. By recognizing and developing talent, influencing and building relationships at all levels across the organization she led and supported the successful consolidation and integration of an HR shared services function. She led the HR due diligence efforts for the Americas consolidating and integrating 10 acquired companies over 6 years increasing the employee population from 750 in 2002 to 8,000 in 2011.

In addition, Ms. Kelly substantially enhanced the efficiency of HR operations by consolidating multiple employer health plans into a single employer offering. In 2007 recognizing the potential risk of increased pension liability coupled with global economic unrest, Ms. Kelly won approval from the executive team to consolidate four multi-employer defined benefit plans successfully introducing a pension equity plan. She led a strategic phased approach to quantify the company’s pension liability and gained approval to terminate the pension equity plan at year end 2009. Concurrently, Ms. Kelly gained executive approval to consolidate five multi-employer defined contribution plans resulting in a single defined contribution plan as the company’s retirement vehicle of choice.

During her tenure at QBE, Ms. Kelly’s responsibilities included all areas of Human Resources for the U.S. and Latin America. In addition, she partnered with European Operations and Australia Head Office on corporate-wide global initiatives. Ms. Kelly served as a member of the Executive Management Board reporting to the President and CEO of QBE the Americas, the ERISA Benefits Committee reporting to the Americas Board of Directors and the Global HR Directors Leadership Team reporting to the Group General Manager of Human Resources at the parent in Sydney, Australia.

Prior to QBE, Ms. Kelly was Director of Human Resources & Administration at XL Capital Assurance a wholly owned subsidiary of XL Capital LTD, a Bermuda company. From 1998 to 2002, she contributed to the expansion of the Bermuda based parent in the U.S. market. Hired as the third employee of XL America in 1998 Ms. Kelly contributed as a key member of the management team of two wholly owned start-up companies, XL America and XL Capital Assurance. She established corporate governance and HR strategies for the U.S. companies. She provided top talent through focused recruitment and retained a high performing workforce by introducing competitive compensation strategies and continuous career development.

Ms. Kelly’s prior work experience includes: General Reinsurance Corporation, Stamford, Connecticut; Group Health Insurance (GHI), New York; Frank B. Hall & Co., Inc. in Briarcliff Manor, NY.

Ms. Kelly has a Master of Arts in Liberal Studies from Manhattanville College, Purchase, New York and a Bachelor of Arts in Psychology from Pace University, Dyson School of Arts and Sciences, New York. She is a certified Senior Professional in Human Resources (SPHR) and a member of both the Society for Human Resource Management and the Association of Professional Insurance Women.

David J. McBride joined Hanover Stone Partners as an Associate in 2011. He has been President and Claims Consultant at McBride Claims Services Inc. in Norfolk, MA since June 1995. His experience includes managing all aspects of operating an independent claims consulting firm. This includes supervising staff, customer service and marketing. He investigates general liability, worker’s compensation and disability insurance claims through resolution. He also provides temporary in-house claims adjusting and auditing services to the insurance industry.

From March 1994 - May 1995, David was a Senior Claims Examiner with the Massachusetts Casualty Insurance Company in Boston where he investigated disability insurance, overhead expenses and residual claims. He also calculated and approved payments of monthly benefits. He scheduled independent medical examinations and surveillance. He supervised and monitored the investigation of field representatives and discussed claims with the insured.

From April 1992 to March 1994, David was a Claims Adjuster with Insurance Adjusting Services Inc. in Norwood where he investigated general liability claims and reported findings to the insurance carriers. He answered interrogatories filed by the plaintiff’s attorneys and he obtained handwritten and recorded statements from witnesses, insureds and claimants.

David worked as an Insurance Claims Agent with Amtrak in Boston from March 1990 to April 1992 and as a Senior Claims Representative with AETNA Life and Casualty from April 1988 to March 1990.

He received a B.A. in Political Science and a Certificate in Public Administration from Providence College in Providence, Rhode Island. He attended law school at Creighton University in Omaha, Nebraska.

David is a member of AmCOMP and of the Boston Association of Claims Executives.

Dr. Joseph A. Milan joined Hanover Stone Partners as an Associate in 2011. He is also Principal of JA Milan and Associates, LLC of Denver, Colorado which he established as a private company in 2009. Joseph is a recognized risk management professional with extensive experience in the design and implementation of sophisticated risk management and risk transfer programs. Throughout his career, he has demonstrated the ability to use cutting edge strategies to convert risk into opportunities that create long-term enterprise value.

As Principal of JA Milan and Associates, Joseph carries out Enterprise Risk Management consulting. This includes conducting quantitative analysis and data driven development of value added solutions for clients; and traditional risk management for commercial real estate clients with an emphasis on multifamily properties.

Prior to forming JA Milan and Associates, Joseph served from 2006 to 2008 as Vice President and Chief Risk Officer of UDR, Inc. one of the largest multifamily real estate investment trusts in the United States. He managed a staff of five with an operating budget of $1.2 million. At UDR, he developed and implemented an Enterprise Risk Management (ERM) program through data collection and analysis and collaboration with all major business units. Notable results included trimming millions off the annual cost of risk transfer, reducing risk management department operating expenses and implementing a mandatory renter’s insurance program that not only transferred risk, but also created a new revenue source for UDR.

Prior to UDR, Joseph served as Vice President and Risk Manager of AIMCO, another one of the largest multifamily real estate investment trusts in the country. He was also Senior Vice President of AIMCO Assurance, a captive insurance company domiciled in Bermuda from 2004 to 2006. In these positions, he reduced corporate deductible costs by $725,000 by applying alternative risk transfer skills to reduce exposures to such perils as floods and employee dishonesty. He reduced cost structure by 30 percent by evaluating the competitiveness of the captive manager and audit firm and negotiated new contracts. From 1996 to 2006, Joseph held a variety of positions including Director of Insurance Operations and Senior Risk Analyst at Apartment Investment and Management Company of Denver.

Joseph was a member of The Risk Management Society ERM Committee from 2007 to 2010. Since 2009, Joseph has been an Instructor and Facilitator at RIMS where he teaches courses on Enterprise-wide Risk Management and Accelerating ERM Theory into Practice. From January 1998 to May 2001, he was an Adjunct Professor in the Speech Communication Department at the Metropolitan State College of Denver, Colorado. He taught advanced undergraduate Intercultural Communication, Small Group Communication and Business and Professional Speaking.

Joseph holds an Associate in Risk Management (ARM) designation; he earned Bachelor Degrees in Communication and Spanish from the University of Northern Colorado, Magna Cum Laude; a Masters Degree in Communication from the University of New Mexico, Summa Cum Laude; and a Doctoral Degree in International Relations from the University of Miami, Magna Cum Laude.

Eddie Molloy is a risk management professional with over 30 years of experience. Eddie joined Hanover Stone Partners as a Senior Advisor in 2012 and is currently an owner and Senior Managing Director of Advent Cat Risk, a firm which specializes in financial protections and loss mitigation for emerging “bet-the-company” type risks, and is headquartered in Connecticut. Eddie has significant business experience working with the Federal Government and is currently consulting on the implementation of the Patient Protection & Affordable Care Act.

From 1993 until 2012, Eddie was in charge of Aetna’s Corporate Risk Program where his responsibilities included oversight of insurance, reinsurance and risk financing. He was responsible for policy and risk/return decisions and reported directly to the Board. Eddie also served on the capital committee that decided allocations based on risk opportunities of businesses and investments and ran the investment portfolio. While at Aetna Eddie was also charged with implementing an ERM initiative based on COSO. He was a key player in numerous mergers and acquisitions during the time when Aetna had sold its Property Casualty and Financial Services businesses and repositioned the company into healthcare insurance. During this time, he gained experience in mega claims and litigation. In Bermuda, he was a founder of Aetna’s captive subsidiary, Aetna Risk Indemnity Company, and served as president for sixteen years. Eddie has significant experience with placing risks in the worldwide insurance marketplace and in managing Aetna’s international risk exposures. While at Aetna, he had insurance responsibility over affiliated pension funds, multi-billion and multi-national property portfolios, and managed numerous run-offs, novations and financial modeling projects. Eddie served on Aetna’s capital council and has made numerous board presentations. He also served on two of Aetna’s subsidiary boards.

From 1979 to 1993, Eddie was employed by Northeast Utilities where he managed the radiation physics programs for five nuclear plants. His work on the multi-billion dollar, post-Three Mile Island Accident retrofits, gained congressional attention for its success and led to his work being adopted nationally and internationally by utilities and, ultimately, being enshrined in federal legislation. Concurrently, Eddie served on behalf of the U.S. with the International Atomic Energy Agency’s OSART inspectorate which provided assessments on nuclear stations and accident analyses for member nations.

Eddie received his Master of Business Administration from the University of Hartford, with a major in Finance. He has a Masters in Science from the University of Massachusetts, Amherst, and is also a Certified Financial Planner (CFP).

Featured in a survey of "100 Leading Women" in Business Insurance, Sheila is the nation's foremost specialist in historic insurance reconstruction. Under her direction, IAG has pioneered many of the methods now commonly used to reconstruct missing policies. Sheila's substantial experience in the insurance industry over the past 30 years and her extensive contacts among brokers, risk managers and insurance carriers have made IAG the leader in this field.

As corporate legal liabilities have escalated, Sheila has broadened the scope of IAG's services to include the reconstruction of an entire portfolio of historic insurance assets. In addition to discovering evidence of missing policies, IAG often designs customized software to enhance clients' records storage systems, charts corporate histories and corresponding insurance programs, assists clients and outside counsel in related research, and organizes key insurance records in accessible and user friendly systems. Finding the most historic assets and creating efficient systems to store and access information has enabled IAG's clients to maximize insurance recoveries for a wide variety of liabilities.

Sheila has published numerous articles on the benefits of conducting historic audits and explaining the techniques to research both corporate histories and missing policies. Her articles have appeared in trade journals, books, insurance industry web-sites, including Coverage, an American Bar Association publication, and other prominent publications such as The John Liner Review and The Bureau of National Affairs. Sheila has also been featured in Fortune Magazine "On the Rise", the Financial Times, Newsday and the Washington Times. She has appeared in televised programs produced by the BBC and CPCU.

John G. Oros joined Hanover Stone Partners as an Associate in 2011. He is also President of The Oros Group LLC, a risk management and treasury consulting firm based in Florida which he founded in early 2009. Prior to starting the firm, Mr. Oros held several senior level positions, including Chief Risk Manager and Compliance Officer, at several large multinational manufacturing firms, where he was responsible for their global treasury and risk management functions.

John worked at Enodis Corporation from 1991 to 2009, where from 2002 to 2009 he was Risk Management and Compliance Officer and Treasurer, responsible for global risk and insurance management, regulatory compliance, treasury, credit and collections, taxes and retirement plans. From 1981 to 1991, John was Assistant Treasurer at the Continental Can Company where he was responsible for treasury operations, cash forecasting and working capital management. He was also Treasurer of their captive insurance company.

John was involved in the initial formation and development of the Association for Financial Professionals (AFP). He spent several terms on its Board of Directors, he was Chair of several committees including: Certification Committee and Editorial Advisory Board and was instrumental in the development of the AFP’s Certified Cash Manager credential and testing process. John was Senior Editor of the AFP publication “Treasurer’s Handbook of Financial Management”. He has served on the Board of Directors of the National Safety Council and is currently a member of the Board of Fellows at the University of Tampa, serving on its Development Committee and Facilities Committee. John serves on the Risk and Insurance Management Society (RIMS) Standards Consensus Group and is a member of the AFP and Financial Executives International (FEI).

John was named to the AFP’s Top 300 financial professionals. He completed the Wharton School of Business’ Financial Policies and Practices Certificate Program. He is a Certified Cash Manager and Certified Treasury Professional and holds a BS and an MBA from Seton Hall University.

Guy F. Ragosta brings nearly two decades of experience in captive management, as well as extensive executive leadership and financial management skills, to his role as an Associate with Hanover Stone Partners, LLC.

Concurrent to his role with Hanover Stone Partners, Guy is Chief Executive Officer and Partner of The Towner Management Group’s U.S. operations. Prior to joining Towner Management Group, he was the CEO of Marathon Health, a benefits consulting group with locations throughout the U.S.

In May 1992, he joined Willis Group Holdings to start and lead the company’s Captive, Actuarial, Pooling Solution (CAPS) division, which included 14 offices located in the U.S. and the Caribbean. At Willis, where he spent 14 years as Regional Executive Director of CAPS, Guy developed an international consulting network that services the 15,000 Willis employee network and their related clients.

Prior to Willis, Guy served as the Director of Financial Services to the Vermont captive insurance industry for KPMG Peat Marwick from 1990-1992 and was associated with Ernst & Young for 12 years where he served in a variety of tax management and consulting positions. He was Ernst & Young's Director of Tax Services for the Burlington, Vermont office. While at Ernst & Young, Guy was a Senior Tax Advisor to companies in the telecommunications business.

Guy earned his BA degree in business with an accounting major from Manhattan College, and is a Certified Public Accountant. He has taught in the Master’s Programs of Rensselaer Polytechnic Institute and State University of New York in Albany as an adjunct associate professor. Guy has served as President of the Vermont Captive Insurance Association and the Financial Executive Institute, as well as a Member of the Board of Directors of the Captive Insurance Association of America. He is also a past Board Member of Vermont Special Olympics and the Vermont Association of Business and Industry Rehabilitation.

Agustin (Gus) V. Reyes joined Hanover Stone Partners as an Associate in 2011. Since April 2007 he has been the Principal/President of Independent Risk Management Advisors LLC (IRMA) based in Spartanburg, South Carolina. He has recently relocated his base of operations back to Miami, where the company first started. The company assists insured’s, insurers, brokers and third party administrators in various insurance and risk management functions. These include casualty/property insurance program reviews; risk evaluation, analysis and recommendations; claim audits, analysis of claim reserves and practices; captive feasibility studies, captive performance reviews and expert witness testimony.

From 1994 to 2007, Gus held several senior management positions at Bacardi-Martini, Inc. in Miami Florida. He was Vice President / Director of Risk Management; President/Chairman of Pitts Bay Captive Insurance Company; and President/Chairman of Martininsurance Teoranta. His responsibilities included overseeing all functions and the development of the insurance and risk management department. He made decisions on insurance purchasing, risk retention, captive management, claim resolution and litigation management, as well as having direct contact with operating companies’ senior staff. Gus was also in charge of Crisis Management and product recall programs, including case handling, the training program and publishing of Risk Management, Crisis Management and Product Recall Manuals. From 1994 to 1996, as an Assistant Vice President and Risk Manager at Bacardi, Gus’ responsibilities included overseeing the Global Insurance Program, development of two captive companies, as well as the relationship with all operating companies, including the newly acquired Martini & Rossi operations.

Prior to joining Bacardi, Gus was with Sedgwick Insurance Brokers in Fort Lauderdale, Florida first as an Assistant Vice President (1985 to 1989) and then as Vice President (1989 to 1994). As Assistant Vice President, he served as a Claim Manager in charge of a six person department handling claim service for clients, as well as serving as a claim consultant on special assignments. As Vice President, he continued to supervise the claims department and was assigned to the Risk Management Department working on multinational accounts such as Bacardi, Racal Electronic, British Aerospace and Attwoods. His responsibilities included the handling of all insurance and risk management issues.

From 1975 to 1985, Gus was a Regional Claims Manager at Midland Insurance Company in Miami where his responsibilities included claim service for the South East region. Before that, he was a Claims Adjuster with The Travelers Insurance Company (1968-1975) and a Medical Claims Examiner with Blue Cross/Blue Shield of NY (1962-1968).

Gus has completed courses in general insurance and health claims at the College of Insurance in New York. He received a Bachelor of Science from St. George’s School in Havana, Cuba and studied for one year at the School of Medicine at the University of Havana before moving to the United States. Gus can speak, read and write fluently in Spanish.

From 2001 to 2008, Gus was chairman of the Food & Beverage Industry Group at the Annual National RIMS Conference. He was a member of the National Risk & Insurance Management Society from 1989 to 2008 and he has previously belonged to the Florida Claims Association and the South Florida Claims Association.

John F. Riley has over 40 years of industry experience in risk management, risk consulting and claims adjustment. This includes managing risk for a global business information organization, an auto rental and leasing operation, as well as providing consulting services as part of a major consulting practice. John’s specialty expertise includes self-insurance and single parent captives, global programs, internet cyber risk, acquisitions and divestitures, and claims management.

John served for 19 years as Director of Risk and Insurance Management for The Dun & Bradstreet Corporation. Among his many accomplishments during his tenure, he successfully developed innovative self-insurance programs reducing costs by 50 percent. As Risk Manager for D&B, John developed a consulting model which provided risk management services to seven independent companies which were former D&B subsidiaries. This innovative approach created marketplace clout leading to significant savings in premium and administrative costs, as well as broader coverage and greater influence within the industry.

Prior to D&B, John was Senior Manager at Ernst & Whinney where he was responsible for providing risk management consulting services for clients. For six years he worked for The Hertz Corporation, which he joined as Claim Manager and became the company’s Director of Insurance & Safety. John began his career in insurance and risk management at Allstate Insurance Company, where he served for 13 years in claims management

Ty R. Sagalow joined Hanover Stone Partners in 2013 and serves concurrently as Senior Advisor and Head of Product Development. Mr. Sagalow focuses on creating new risk solutions using the combined resources and capabilities of all the Hanover Stone Partner associates and partner firms. The new product development team, led by Mr. Sagalow, will work with HSP partner firms and associates to develop and market industry-specific branded risk management service offerings.

Throughout his career, Mr. Sagalow has been widely sought for his thought leadership and recognized for his many achievements in innovation. A pioneer in the creation of cyber insurance, as well as a recognized innovator in directors-and-officers liability coverages and the development of reputation insurance, Mr. Sagalow spent 25 years as a senior executive with AIG, in such positions as chief underwriting officer and general counsel for National Union, chief operating officer of AIG eBusiness Risk Solutions, and head of new product development at AIG General Insurance.

Subsequently, he was chief innovation officer at Zurich North America. Mr. Sagalow has authored several articles and publications on insurance, reinsurance and risk issues; participated in numerous media interviews; and spoken at various technology, legal, and insurance forums, including the White House, Department of Homeland Security and Congress. A summa cum laude graduate of Long Island University and cum laude graduate of Georgetown University Law Center, Mr. Sagalow also earned a LL.M. degree from the New York University School of Law. In early 2012, he formed Innovation Insurance Group for the purposes of providing an array of product development, innovation and subject matter expertise services to the insurance industry and business entrepreneurs.

Greg Serio joined Hanover Stone Partners, LLC, as an Associate in 2009. Greg served as the 39th superintendent of insurance for the State of New York. As superintendent of insurance, to which he was nominated by Governor George E. Pataki and confirmed by the Senate in May 2001, Greg was responsible for the regulation of all forms of insurance transacted in New York. During his tenure, the State of New York saw substantial declines in the cost of automobile insurance, the success of a nationally-recognized health insurance program for the working uninsured, the growth of captive insurance companies as a meaningful alternative to traditional insurance programs, and the commencement of wide-ranging investigations into insurance carrier and broker activities.

Greg was also significantly involved in New York State's and the insurance regulatory community's response to the atrocities of September 11th. He coordinated the New York department's response and recovery from those events, working with local, state and federal agencies, the insurance communities' many sectors and individual insured's to expedite the settlement of claims and restore the financial condition of the New York property insurance and life insurance industries. Greg testified on numerous occasions before the United States Congress, New York Legislature, and other entities on the after-effects of the World Trade Center attacks on New York and the American and global insurance markets, and led many of the efforts of the National Association of insurance Commissioners in responding to the issues arising from those events.

Greg also served, in the aftermath of the September 11th tragedy, as a member and NAIC representative on the Financial Services and Banking Information Infrastructure Committee of the United States Treasury, a component of President George W. Bush's Critical Infrastructure Protection Initiative. He served as the Chairman of the NAIC's Government Affairs Task Force, the federal relations arm of the organization. In that capacity, he led the NAIC's Washington office on the U.S. House Financial Service's Committee SMART legislation on modernization of insurance regulation and discussions on the Terrorism Risk Insurance Act.

Kathleen has 40 years of consulting, insurance brokerage and accounting/auditing experience mainly operating out of the Dallas marketplace. Her industry experience includes: large account management with global insurance brokerage firms; risk management/analytical consulting; corporate accounting and external auditing, primarily casualty insurance companies, with a first-tier global accounting firm.

Kathleen is currently Principal of KJS Professional Resources LLC in Dallas since 2003. She has been a consultant to a variety of clients for loss analysis, reserving, accrual and paid loss reconciliations, cost allocation, data management, auditing and processes, management reporting and coordination with actuaries, accounting and auditors. Her other financial modeling projects include income statement and balance sheet modeling for captive insurance companies and other types of business ventures.

Prior to KJS, from 2000 to 2003, Kathleen was Senior Vice President at Marsh & McLennan of Texas Inc. where she was Manager of the Wrap-up Construction Group. She also provided actuarial analysis, allocations, loss reserving and accrual reconciliation consulting for a variety of Dallas office clients. From 1994 to 2000 Kathleen was Senior Vice President at Aon Risk Services of Texas Inc. in Dallas. Her responsibilities included analytical, financial, account coordination and negotiation activities. Clients were primarily health care and manufacturing companies. From 1990-1994, Kathleen was Vice President at Alexander & Alexander of Texas. Her responsibilities included marketing, alternative program comparisons, captive feasibility study and captive formation, loss analysis, allocations, coverage analysis and all other client coordinating functions for health care clients.

Kathleen has also worked in Dallas as a risk management consultant at Tillinghast, Nelson & Warren in addition to being an auditor at Ernst & Whinney.

Kathleen has a BBA in Accounting from Texas Tech University which she received in December 1970. She is a Certified Public Accountant, licensed in Texas in 1972 to date. She received an Associate in Risk Management Designation in 1981 and a Chartered Property Casualty Underwriter designation in 1984.

Akos Swierkiewicz has over 40 years of experience in property and casualty insurance and reinsurance underwriting, management, company startup, marketing and product research and development.

He founded IRCOS, LLC in 2000 to provide property and casualty insurance and reinsurance consulting and outsourcing services, including company startup and runoff, arbitration, mediation and expert witness services, feasibility studies, product research and development, policy reviews and underwriting audits.

Prior to IRCOS, LLC, Akos was Senior Vice President at Kemper Casualty Insurance Company where he established its property department.

Akos had a key role in the startup of SOREMA N.A. Reinsurance Co. and during his tenure as its Senior Vice President and Chief Underwriting Officer premiums grew to over $200 million, while loss ratios remained below industry average.

Prior to joining SOREMA, Akos was Senior Vice President of Research and Special Risks at SCOR, where he established and managed a facultative casualty unit for insureds domiciled outside the USA and a surety and fidelity bond unit. He also developed a building guarantee product.

His insurance career began in INA’s International operations, where he was underwriting and supervising builder’s risk business and continued at CIGNA (after INA’s merger with Connecticut General), where he was Vice President, in charge of construction and energy related business.

He has a BA in Economics from Temple University. He is a CPCU, Certified Arbitrator and Qualified Mediator.

Tom Stokes has nearly 30 years of experience in risk management, with a specialization in captive insurance management, risk financing, and corporate taxation.

In addition to being a Hanover Stone Associate, Tom is a Principal at The Towner Management Group, LLC, head of the company’s consulting practice, and is a licensed captive domicile manager for the State of New York. Prior to joining The Towner Management Group in 2009, Tom was Managing Director and Practice Leader Risk Finance Consulting at Aon Global Risk Consulting (AGRC), where he led business development. From 2003 to 2007, he served as Managing Director for global insurance broker Willis Group Holdings’ New York operations. There he was responsible for developing and marketing captive insurance company solutions for corporations and high net-worth individuals, as well as establishing captive offices and implementing an expanded North American captive consulting practice for the company.

Before working at Willis, Tom spent three years with PricewaterhouseCoopers LLP as Tax Principal Consultant developing captive insurance company strategies including risk management, federal and state tax, and estate planning opportunities. From 1995 to 2000, he served as Senior Manager with KPMG Peat Marwick. In this role, he was in charge of tax-planning opportunities for firm clients and worked with state captive practice leaders to develop new strategies. Prior to KPMG, Tom was a Corporate Tax Director for the Hartford Steam Boiler Inspection & Insurance Company from 1987 to 1995. From 1976 to 1995, he was as a tax director responsible for all aspects of corporate taxes including payroll, planning, and compliance, followed by a role in which he oversaw state tax filings and audits for a Fortune 500 company.

Craig Sutherland, President of the James F. Hurley Insurance Agency Corporation, joined the company following a 26 year career with Willis of New York, Inc. Founded over 50 years ago, Hurley Insurance, a general agency based in Far Hills, NJ, provides property, casualty, life and employee benefits insurance and risk management services for a vast array of business, municipal and personal clients.

A graduate of Northeastern University, Craig started his career in the claims department of a major insurance company before joining Corroon & Black, a predecessor company to what is now Willis of New York, Inc., a subsidiary of Willis Group Holdings. He most recently served as Executive Vice President, Sr. Client Advocate and a member of the Executive Management Committee, and managed a significant book of multinational clients across many industry segments.

Joining Hurley Insurance in late 2006, Craig added his expertise to the agency’s 25 experienced professionals. The agency has long held appointments with many of the finest insurance companies including Chubb, Fireman’s Fund, Chartis Private Client Group, Selective, Travelers, Hartford, Aetna, Horizon and others, and maintains relationships with a network of insurance organizations and consultants, giving the agency access to virtually any insurer in the world and enabling us to draw upon a wide range of expertise for our clients.

Helen B. Terry, ARM, has more than 35 years of experience in insurance and risk management with specialties in risk financing and claims management for the financial services, real estate, commercial mortgage lending, and investment advisory industries.

Prior to joining Hanover Stone Partners in 2009, Helen was with AXA Financial, Inc., formerly the Equitable Life Assurance Society of the United States, for nearly 30 years. She joined AXA as a Director of Risk & Insurance, was promoted to Assistant Vice President, and later became a Vice President. Among the numerous responsibilities during her tenure, Helen led the design, marketing, and administration of risk financing programs; managed the company’s property/casualty insurance coverages; served on due diligence task forces for acquisitions, divestitures and new business initiatives; marketed and placed management liability coverage for the first demutualization of a New York State life insurance company and its subsequent public offering; and developed and managed an owner-controlled asbestos abatement insurance program that provided enhanced protection and cost-savings at over 100 locations nationwide.

While at AXA, she also served as President and Chief Operating Officer of a Vermont captive insurer handling the run-off of liability reinsurance business. Before AXA, Helen spent five years as Risk Manager of Indian Head, Inc., a manufacturing company.

Jeff Triplette brings more than 35 years of experience to his role as an Associate with Hanover Stone Partners, LLC. Jeff has industry expertise in the global operations of the nuclear, natural gas and electric businesses, both regulated and unregulated; energy trading; joint-venture power plant construction and operations, as well as the real estate sector. He specializes in managing captives; captive investments; security/crisis management and business continuity planning; complex claims recovery – asbestos, liability, property, financial and environmental; OCIPs/CCIPs; M&A and divestitures; and the acquisition/valuation and disposal of real estate.

Prior to joining Hanover Stone Partners, Jeff was with Duke Energy Corporation for 34 years in a number of capacities. Most recently, he served as Vice President – Continuity, Insurance & Security Services, responsible for directing and managing the company’s worldwide risk management, security, insurance, claims, and crisis management and business continuity programs. He formed and led Duke Energy’s Enterprise Crisis Operations Center (ECOC) to provide a means of prepared rapid response to any critical event threatening the well-being of the corporation. As its President and CEO, Jeff developed the captive insurance unit Bison Insurance Company Limited into an active risk aggregation and financing entity. He was also elected Chairman of the Board of Directors for sEnergy Insurance Ltd., in addition to being elected to the Board of Directors of both Oil Insurance Limited (OIL) and Oil Casualty Insurance Limited (OCIL) while serving on the executive and compensation committees.

Edward G. Troy has held executive leadership roles in global risk management services companies for over 40 years. He is well known in the national risk management community and has proven expertise in all areas of the National Accounts Insurance Industry. In 1999 Ed created his own risk management consulting company called Ed Troy Associates LLC which is domiciled in the state of New York. He is currently president and chairman of Ed Troy Associates.

From 2005 to 2010, Ed was chairman and CEO of GAB Robins. He joined the company as global CEO in 2005 and led the company to profitable growth, enhanced revenue and improved margins. He changed the culture of the company using a variety of leadership techniques including disciplined expense management. He spearheaded the acquisition of a major French competitor. In 2008, he led the successful sale of a significant portion of the company to a private equity investor.

From 2001 to 2005 Ed was employed at ACE/ESIS Inc. as president of ESIS, Inc. The company recorded consistent profitable growth, improved margins and record earnings each year leading ESIS to become a market leader with strong expense management. In 2003, Ed assumed the additional role of ACE USA Regional Executive Operations leading nine ACE Insurance Regions.

Ed Troy Associates has provided consulting services to major brokers, national clients and sales training to ACE Insurance Company. During his distinguished insurance career, Ed has worked at Liberty Mutual Insurance Co., AIGRM, Rollins Burdick Hunter, CNA Insurance, Insurance Company of North America and the Hartford Insurance Company.

He attended the College of Insurance N.Y.C. and the University of Pennsylvania Wharton School Executive Education.

Peter G. Viscardi is an insurance consultant with broad multinational management and professional skills in risk management, environmental affairs, employee safety, security, and employee benefits for the manufacturing, industrial and consumer sectors. He has more than 35 years of risk management experience, including positions with Fortune 500 companies, such as Arlen Realty Group, Otis Elevator Company, Studebaker-Worthington, Inc. and Fortune Brands, Inc. (formerly American Brands). Peter joined Hanover Stone Partners, LLC as an Associate in 2010.

Through Viscardi Risk Consulting Corp. and as an Associate of Hanover Stone Partners, LLC, he serves a wide range of companies, organizations and associations with a focus on risk and insurance management and loss prevention and control. Peter previously served as a Senior Manager at Ernst & Young in its Insurance and Actuarial Advisory Services practice. His recent projects have included insurance risk management program reviews, captive feasibility studies and implementation, merger & acquisition due diligence, and insurance broker evaluation and selection activities.

Previously, Peter served as Director, Risk Management & Environmental Affairs at Fortune Brands, Inc. At Fortune Brands, he was also a member of the Capital Appropriations Committee and served as a Director and Vice President of 1700 Insurance Company Ltd. He also served on the Underwriting Committee and as an Alternate Director of Corporate Officers and Directors Assurance (CODA), an independent Bermuda insurance company, from 1986 to 1993. CODA was formed by 50 major U.S. corporations to provide a quality, alternative market for Directors' & Officers' Liability insurance. Before joining Fortune Brands, he held the position of Corporate Risk Manager for Studebaker-Worthington, Inc., and served as Executive Vice President and Chief Operating Officer of the Company’s captive insurance division.

He is a graduate of Hunter College where he earned his BA degree, and is also a Chartered Property and Casualty Underwriter (CPCU). He is currently a Member of the American Management Association (AMA) Insurance & Risk Management Council, the Risk Management Committee of the Theodore Roosevelt Council of the Boy Scouts of America, the Society of Chartered Property and Casualty Underwriters (CPCU) and the Professional Liability Underwriting Society (PLUS). He is also a Member of ASTM International and is an active contributor to task groups developing standards under its Committee E54 on Homeland Security Applications. He is also a founding member of the Disaster/Emergency Preparedness Faculty Project, which develops preferred practices and offers services related to emergency management. He is a past Deputy Member of the Risk and Insurance Management Society (RIMS) (1978-2001), the ACE Bermuda Advisory Board (1999-2003), the National Fire Protection Association (NFPA) (1980-2000), the National Association of Manufacturers (NAM) Risk Management and Environmental Quality Committees (1990-1999), the Institute of Packaging Professionals (1994-1999), the Business Roundtable Industrial Pollution Prevention Council (IPPC) (1995-1999), the Air and Waste Management Association (A&WMA)(1995-2005), and the National Association for Environmental Management (NAEM) (1995-2005). Peter was also a charter member of the Conference Board Chief Environmental Health & Safety Officers’ Council I (1991-1999). He served on the Arkwright Mutual (Factory Mutual Company) Risk Management Advisory Committee from 1987 to 1989, and the Editorial Advisory Board of Risk and Benefits Magazine from 1987 to 1989 and from 1991-1992.

He is also an instructor for the Risk & Insurance Management Society and teaches courses leading to the Associate in Risk Management Designation. Mr. Viscardi is a Chartered Property and Casualty Underwriter and a Certified Professional Mediator. He has also served on the Institutional Investor Risk Management Advisory Board (1997). He is a seminar leader for insurance courses offered by the American Management Association and also served as an instructor in risk management and insurance planning at Southampton College, Long Island University in 2002.

Concurrent to his role as Associate at Hanover Stone Partners, David joined Ostroff, Hiffa and Associates, Inc in January of 2011 and brings 25 years of federal and state government experience to the firm. David specializes in the areas of insurance, labor, workers compensation and business development.

David most recently served as the Executive Director of the New York State Insurance Fund and Chairman of the New York State Workers Compensation Board. Prior to that he served as Executive Deputy Commissioner of the New York State Department of Labor. He also served as Media Director to United States Senator Alfonse M. D’Amato.

David has had leadership rolls with numerous labor and workers compensation associations including President of the National Association of Government Labor officials. He has also honored by the NY Claims Association, the Workers Compensation Bar Association and the State University of New York.

David holds a Bachelors and Masters Degree in Communications from the State University of New York at Albany.

David is a native of Rochester and resides in Guilderland with his wife Diane and their three children.

Jody has more than 20 years of technical, legal, policy, and business experience, and provides consulting and legal services to public and private sector clients around the world in the areas of privacy, security, cybercrime, breach management, forensic investigations, and e-discovery.

She is the CEO of Global Cyber Risk LLC, a Partner firm of Hanover Stone Partners, and also serves as Adjunct Distinguished Fellow for Carnegie Mellon CyLab. Prior to forming Global Cyber Risk, Jody served as senior managing director for PricewaterhouseCoopers (PwC), specializing in outsourcing and cyber security/privacy issues. Before that, she was president of The Work-IT Group; launched In-Q-Tel, an IT venture capital/solutions company for the CIA; served as director of domestic policy for the U.S. Chamber of Commerce; and was senior fellow and director of IT studies for the Progress & Freedom Foundation. Earlier in her career, Jody practiced law with two top-tier New York firms and spent 10 years in the computer industry specializing in database management systems.

She is a member of the bars of the District of Columbia, Pennsylvania, and Colorado and serves as chair of the American Bar Association’s Privacy and Computer Crime Committee. She co-chairs the World Federation of Scientists’ Permanent Monitoring Panel on Information Security and represents the ABA on the National Conference of Lawyers and Scientists. She is also a member of the United Nation’s High Level Experts Group on Cyber Security and led the development of the ITU Toolkit on Cybercrime Legislation. Jody is co-author and editor of four books on privacy, security, cybercrime, and enterprise security programs. She speaks globally and is the author of numerous articles. She earned her BA, summa cum laude, from University of Tulsa; JD, magna cum laude, from Georgetown University Law Center; Order of the Coif.

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