Joseph R. Peiso has over 30 years of experience in accounting, finance, and insurance. He has held Chief Financial Officer roles at several insurance companies, and has experience with regulatory compliance, company acquisitions, financial analysis, and dispute resolution. Peiso's background includes positions at the North Carolina Department of Insurance, as well as experience as an auditor, controller, and owner of his own consulting firm.
Joseph R. Peiso is a CPA and CPCU based in Sarasota, Florida. He currently serves as Chief Financial Officer of United Insurance Holding Corp. His experience includes over 30 years in insurance finance and regulatory roles, including positions at several insurance companies and the North Carolina Department of Insurance. He has extensive experience with financial reporting, modeling, regulatory examinations, and transaction support.
Joseph Peiso has over 30 years of experience in accounting and finance roles in the insurance industry. He has held leadership roles such as CFO, VP of Finance, and Managing Member at various insurance companies and agencies. He specializes in financial analysis, modeling, regulatory compliance, and M&A transactions. Peiso has extensive experience in areas such as financial reporting, reinsurance, alternative dispute resolution, and financial examinations. He is a CPA licensed in Florida with additional designations in insurance and reinsurance.
Achieve greater certainty through pension deriskingLori Jones
The presentation provided an overview of the changing landscape for defined benefit pension plans including higher PBGC premiums, new mortality tables and improved funding status as a result of favorable investment performance. These changing conditions have encouraged plan sponsors to consider “de-risking” defined benefit pension plans through annuitization and lump sum windows.
Lori provided insight into legal issues within the context of de-risking including a background of applicable ERISA fiduciary rules, recently issued recommendations from the ERISA Advisory Council, IRS private letter rulings and a pending case involving Verizon’s annuitization of its pension plan.
This document is a resume for Daniel J. Duffy, a CPA with extensive senior-level accounting and financial management experience. It outlines his professional experience including roles as Director of Accounting, Chief Financial Officer, and Controller for various companies. It also lists his areas of expertise and education.
The document provides guidance for plan sponsors on hiring an auditor for an employee benefit plan audit. It outlines fiduciary responsibilities for plan sponsors, when an audit is required, and the importance of hiring a quality auditor. A quality auditor can help identify errors, ensure compliance, and provide ongoing guidance and solutions to benefit the plan. The document recommends plan sponsors consider an auditor's experience level, team orientation, and ongoing involvement when selecting one.
The SEC & FINRA released their priorities for 2016 examinations. Asset management firms need to review + update their policies, procedures and business activities to reflect both sets of priorities so they can strengthen business practices and prepare for potential exams.
This document is a resume for Matthew F. Kelley, who has over 20 years of experience in commercial lending and financial analysis. He is currently seeking a new position and his resume outlines his qualifications, core competencies, and professional experience managing commercial loan portfolios and underwriting for various organizations.
The Treasury Manager is responsible for managing cash flow, forecasting, tax reporting, and insurance for Piramal Critical Care. Key responsibilities include short and long term cash management, accounts receivable and payable, payment of federal and state taxes, handling insurance claims, and coordinating the 401K pension plan. The Treasury Manager reports to the Director of Finance and oversees one employee in the payroll department. A bachelor's degree in accounting and 3-5 years of finance experience are required for the role.
Joseph R. Peiso is a CPA and CPCU based in Sarasota, Florida. He currently serves as Chief Financial Officer of United Insurance Holding Corp. His experience includes over 30 years in insurance finance and regulatory roles, including positions at several insurance companies and the North Carolina Department of Insurance. He has extensive experience with financial reporting, modeling, regulatory examinations, and transaction support.
Joseph Peiso has over 30 years of experience in accounting and finance roles in the insurance industry. He has held leadership roles such as CFO, VP of Finance, and Managing Member at various insurance companies and agencies. He specializes in financial analysis, modeling, regulatory compliance, and M&A transactions. Peiso has extensive experience in areas such as financial reporting, reinsurance, alternative dispute resolution, and financial examinations. He is a CPA licensed in Florida with additional designations in insurance and reinsurance.
Achieve greater certainty through pension deriskingLori Jones
The presentation provided an overview of the changing landscape for defined benefit pension plans including higher PBGC premiums, new mortality tables and improved funding status as a result of favorable investment performance. These changing conditions have encouraged plan sponsors to consider “de-risking” defined benefit pension plans through annuitization and lump sum windows.
Lori provided insight into legal issues within the context of de-risking including a background of applicable ERISA fiduciary rules, recently issued recommendations from the ERISA Advisory Council, IRS private letter rulings and a pending case involving Verizon’s annuitization of its pension plan.
This document is a resume for Daniel J. Duffy, a CPA with extensive senior-level accounting and financial management experience. It outlines his professional experience including roles as Director of Accounting, Chief Financial Officer, and Controller for various companies. It also lists his areas of expertise and education.
The document provides guidance for plan sponsors on hiring an auditor for an employee benefit plan audit. It outlines fiduciary responsibilities for plan sponsors, when an audit is required, and the importance of hiring a quality auditor. A quality auditor can help identify errors, ensure compliance, and provide ongoing guidance and solutions to benefit the plan. The document recommends plan sponsors consider an auditor's experience level, team orientation, and ongoing involvement when selecting one.
The SEC & FINRA released their priorities for 2016 examinations. Asset management firms need to review + update their policies, procedures and business activities to reflect both sets of priorities so they can strengthen business practices and prepare for potential exams.
This document is a resume for Matthew F. Kelley, who has over 20 years of experience in commercial lending and financial analysis. He is currently seeking a new position and his resume outlines his qualifications, core competencies, and professional experience managing commercial loan portfolios and underwriting for various organizations.
The Treasury Manager is responsible for managing cash flow, forecasting, tax reporting, and insurance for Piramal Critical Care. Key responsibilities include short and long term cash management, accounts receivable and payable, payment of federal and state taxes, handling insurance claims, and coordinating the 401K pension plan. The Treasury Manager reports to the Director of Finance and oversees one employee in the payroll department. A bachelor's degree in accounting and 3-5 years of finance experience are required for the role.
Wayne Heusel has over 15 years of experience in finance. He has strong skills in financial analysis, modeling, budgeting, and business planning. He has held roles managing budgets, analyzing financial statements, and conducting risk analysis for companies across several industries. He effectively communicates analysis and recommendations to management.
This presentation by Russell Shapiro addresses the legal aspects involved in combining two accounting firms, including the process, confidentiality agreement, letter of intent, partner on-boarding, structure of transaction, agreement terms, due diligence, tail insurance, and internal target issues.
Haitham Majid is a senior accountant from Egypt with over 10 years of experience in financial management roles. He has a BSc in Accounting and professional certifications in management accounting, financial analysis, and auditing. Majid is currently seeking a new position and has experience leading financial operations and creating strategic plans as a financial manager. He also has experience in accounting, budgeting, and financial reporting for various companies in Saudi Arabia and Egypt.
Now that fee disclosures are being delivered to employers and participants each year, how do you fulfill your fiduciary duty to determine the reasonableness of plan fees and communicate the information to employees?
An effective way is with a documented fee review process. Check out our presentation from a recent learning symposium for plan fiduciaries.
TCF Financial Corporation held an investor presentation on February 11, 2020 to discuss the merger with Chemical Financial Corporation. The presentation highlighted that the combined company will be a premier Midwest bank with $47 billion in total assets and $34 billion in loans and deposits each. It was noted that the merger of equals will create scale and product offerings to better compete in key Midwest markets. The new company will have a commercial loan focus of 67% and consumer loans of 33%. The presentation also introduced the new purpose and beliefs of the combined organization to unite the cultures as One TCF and outlined the experienced management team and their ability to recruit top talent for the larger regional bank.
Dske q4 and 2017 earnings presentation finalirdaseke
The document provides an earnings presentation for Daseke, Inc. for Q4 and full year 2017. Some key highlights include:
- Q4 2017 revenue was $257.2 million, up from $150.4 million in Q4 2016. Full year 2017 revenue was $846.3 million, up from $651.8 million in 2016.
- Q4 2017 adjusted EBITDA was $23.1 million, up from $15.3 million in Q4 2016. Full year 2017 adjusted EBITDA was $91.9 million, up from $88.2 million in 2016.
- Net income for Q4 2017 was $38.8 million compared to a net loss of $
The document discusses the challenges private companies face in implementing long-term incentive (LTI) plans for executives. It outlines three main options for LTI plans - no LTI plan, cash-based LTI plans, and equity-based LTI plans - and challenges associated with each. Cash-based plans face difficulties with performance measurement and goal setting. Equity-based plans create new shareholders and issues around ownership, valuation, and corporate tax status. Overall, the document argues that while LTI plans are important for attracting executive talent, properly implementing them for private companies can be complex.
The document provides an investor presentation for Myers Industries, Inc. It begins with a safe harbor statement noting that any forward-looking statements are based on current expectations that may be incorrect. It then discusses the new CEO's strategy review, focusing on improving cash flow, implementing process improvements, and assessing capital deployment options. The presentation also covers the company's corporate governance best practices, performance-driven executive compensation program, and actions taken to further ensure effective internal controls over financial reporting.
This document outlines the key financial responsibilities of not-for-profit board members, including fiscal oversight, accounting systems and controls, financial statements, audits, and compliance with regulations. It discusses the board's duties of care, loyalty and obedience. The board is responsible for overseeing accounting, internal controls, financial reporting, hiring an independent auditor, and ensuring compliance with laws and regulations.
IPO Bound? New Strategies, New Ideas and Tips for Success RoseRyan
Moving down the track to an IPO is not for the faint of heart. There are myriad requests and complex requirements—and now with the JOBS Act, companies face even more decisions. These slides by legal, audit and accounting experts in Silicon Valley deliver straight-from-the-trenches advice on what it takes to get your IPO right and are drawn from a RoseRyan seminar.
In this session, we will provide a practical understanding of nonprofit deferred compensation (457 and 409a) plans. We will address the legal, tax, investment and practical administrative nuances to keep your plans operating properly, simply, and with minimal time and expense.
Vladimir Soriano has over 15 years of experience in hedge fund operations, accounting, and client management. He has held senior roles at financial services firms such as Conifer Financial Services and 1861 Capital Management, where he managed teams and was responsible for daily operations including reconciliations, valuations, and client reporting. Soriano spearheaded new business initiatives, launched over 40 new accounts, and helped grow firms' AUM. He seeks to leverage his expertise in operations, accounting, compliance and client service to further his career.
Taking the road to advanced approaches and heightened standards in risk manag...Grant Thornton LLP
Develop and execute a roadmap to meet rising regulatory and stakeholder expectations. Banks of all sizes are required to build sophisticated analytical risk management capabilities in compliance with Dodd-Frank and other legislation making a priority of optimizing the deployment of capital and infusing objectivity into its allocation.
This document summarizes Principal Financial Group's fourth quarter 2018 earnings results. It provides key financial metrics including record full year 2018 non-GAAP operating earnings of $1.6 billion, up 8% over the prior year. It discusses significant variances that impacted 4Q18 results, including higher DAC amortization from equity market performance and lower than expected performance in Brazil. The document also provides details on the company's investment performance, asset management business results, and retirement and income solutions business results.
Syed Arif Raza has over 25 years of experience in finance, credit, risk management, and collections. He has held leadership positions at Standard Chartered Bank, Grays Leasing Ltd, PIC Leasing, First General Leasing Modaraba, and NDLC-IFC Bank Ltd. Raza has an MBA with a major in accounting and is a Certified Public Accountant and Certified Skill Assessor. He has extensive experience developing credit policies, managing portfolios, and reducing loan losses and bad debts.
The document provides highlights from Aimia's Q2 2017 results, including forward-looking statements about certain financial metrics for 2017. These statements involve assumptions that may prove to be incorrect. In addition, the statements do not reflect the potential impact of non-recurring items, transactions, or changes that could occur after the date of the document. Actual results could differ materially from the forward-looking statements. The document also contains non-GAAP financial measures and provides definitions and reconciliations to the most comparable GAAP measures.
Fairway Financial Solutions provides advisory services in the consumer debt and mortgage industries including financial advisory, loan servicing oversight, due diligence, operational assessments, business plan development, process documentation, interim management, portfolio management, and project management. The company utilizes Six Sigma principles and has experience with accounts receivable management. Fairway has successfully completed engagements with Clayton Holdings, Washington Mutual Retail Bank, Cerberus Capital, and Aegis Mortgage.
Compliance issues are at the front of every manager's and fiduciary’s mind these days. It used to be that all the worry came from a creative plaintiffs’ bar calling a business's conduct into question, but those days are long gone. Public and private companies are investigated by not only the United States federal government, but also local, state, and foreign governments. Self-regulating entities also add a layer of scrutiny. Under the insulation of the attorney-client privilege, an effective internal investigation can help marshal the facts to inform corporate decisions about past or existing violations and prevent potential future violations. An internal investigation can protect management from the violation and records the company's response to an incident or violation. However, most importantly, it serves to send a clear message that the company is serious about compliance and that it sets transparency as a priority. This webinar surveys recent compliance trends and discusses best practices regarding the attorney-client privilege, joint defense agreements, the use of experts, witness interviews, the consequences of self-disclosure and how to control the impact on the company.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/internal-investigations-101-2021/
The document lists 10 things the author loves about being a strategist: 1) Providing a clear view of a brand's situation and opportunities for growth, 2) Working with big brands to drive incremental change and niche brands to drive radical change, 3) Constantly learning from everyone at all levels of an organization, 4) Working with brands around the world and experiencing different cultures and ways of interacting with brands, 5) Having insights strike at 3am after extensive research, 6) Working with great design talent to put customers first, 7) Using many Post-It notes to plan and execute robust brand strategies, 8) Learning from some of the best minds in business, 9) Understanding customers by putting themselves in their mindset,
O novo programa da MTV "Grossbusters" vai mostrar quartos extremamente sujos e nojentos de jovens nos EUA. O apresentador Evan Spaulding inspeciona os quartos imundos e dá dicas de organização. Os donos dos quartos sujos precisam cumprir uma tarefa humilhante para receber ajuda para limpar o local.
Wayne Heusel has over 15 years of experience in finance. He has strong skills in financial analysis, modeling, budgeting, and business planning. He has held roles managing budgets, analyzing financial statements, and conducting risk analysis for companies across several industries. He effectively communicates analysis and recommendations to management.
This presentation by Russell Shapiro addresses the legal aspects involved in combining two accounting firms, including the process, confidentiality agreement, letter of intent, partner on-boarding, structure of transaction, agreement terms, due diligence, tail insurance, and internal target issues.
Haitham Majid is a senior accountant from Egypt with over 10 years of experience in financial management roles. He has a BSc in Accounting and professional certifications in management accounting, financial analysis, and auditing. Majid is currently seeking a new position and has experience leading financial operations and creating strategic plans as a financial manager. He also has experience in accounting, budgeting, and financial reporting for various companies in Saudi Arabia and Egypt.
Now that fee disclosures are being delivered to employers and participants each year, how do you fulfill your fiduciary duty to determine the reasonableness of plan fees and communicate the information to employees?
An effective way is with a documented fee review process. Check out our presentation from a recent learning symposium for plan fiduciaries.
TCF Financial Corporation held an investor presentation on February 11, 2020 to discuss the merger with Chemical Financial Corporation. The presentation highlighted that the combined company will be a premier Midwest bank with $47 billion in total assets and $34 billion in loans and deposits each. It was noted that the merger of equals will create scale and product offerings to better compete in key Midwest markets. The new company will have a commercial loan focus of 67% and consumer loans of 33%. The presentation also introduced the new purpose and beliefs of the combined organization to unite the cultures as One TCF and outlined the experienced management team and their ability to recruit top talent for the larger regional bank.
Dske q4 and 2017 earnings presentation finalirdaseke
The document provides an earnings presentation for Daseke, Inc. for Q4 and full year 2017. Some key highlights include:
- Q4 2017 revenue was $257.2 million, up from $150.4 million in Q4 2016. Full year 2017 revenue was $846.3 million, up from $651.8 million in 2016.
- Q4 2017 adjusted EBITDA was $23.1 million, up from $15.3 million in Q4 2016. Full year 2017 adjusted EBITDA was $91.9 million, up from $88.2 million in 2016.
- Net income for Q4 2017 was $38.8 million compared to a net loss of $
The document discusses the challenges private companies face in implementing long-term incentive (LTI) plans for executives. It outlines three main options for LTI plans - no LTI plan, cash-based LTI plans, and equity-based LTI plans - and challenges associated with each. Cash-based plans face difficulties with performance measurement and goal setting. Equity-based plans create new shareholders and issues around ownership, valuation, and corporate tax status. Overall, the document argues that while LTI plans are important for attracting executive talent, properly implementing them for private companies can be complex.
The document provides an investor presentation for Myers Industries, Inc. It begins with a safe harbor statement noting that any forward-looking statements are based on current expectations that may be incorrect. It then discusses the new CEO's strategy review, focusing on improving cash flow, implementing process improvements, and assessing capital deployment options. The presentation also covers the company's corporate governance best practices, performance-driven executive compensation program, and actions taken to further ensure effective internal controls over financial reporting.
This document outlines the key financial responsibilities of not-for-profit board members, including fiscal oversight, accounting systems and controls, financial statements, audits, and compliance with regulations. It discusses the board's duties of care, loyalty and obedience. The board is responsible for overseeing accounting, internal controls, financial reporting, hiring an independent auditor, and ensuring compliance with laws and regulations.
IPO Bound? New Strategies, New Ideas and Tips for Success RoseRyan
Moving down the track to an IPO is not for the faint of heart. There are myriad requests and complex requirements—and now with the JOBS Act, companies face even more decisions. These slides by legal, audit and accounting experts in Silicon Valley deliver straight-from-the-trenches advice on what it takes to get your IPO right and are drawn from a RoseRyan seminar.
In this session, we will provide a practical understanding of nonprofit deferred compensation (457 and 409a) plans. We will address the legal, tax, investment and practical administrative nuances to keep your plans operating properly, simply, and with minimal time and expense.
Vladimir Soriano has over 15 years of experience in hedge fund operations, accounting, and client management. He has held senior roles at financial services firms such as Conifer Financial Services and 1861 Capital Management, where he managed teams and was responsible for daily operations including reconciliations, valuations, and client reporting. Soriano spearheaded new business initiatives, launched over 40 new accounts, and helped grow firms' AUM. He seeks to leverage his expertise in operations, accounting, compliance and client service to further his career.
Taking the road to advanced approaches and heightened standards in risk manag...Grant Thornton LLP
Develop and execute a roadmap to meet rising regulatory and stakeholder expectations. Banks of all sizes are required to build sophisticated analytical risk management capabilities in compliance with Dodd-Frank and other legislation making a priority of optimizing the deployment of capital and infusing objectivity into its allocation.
This document summarizes Principal Financial Group's fourth quarter 2018 earnings results. It provides key financial metrics including record full year 2018 non-GAAP operating earnings of $1.6 billion, up 8% over the prior year. It discusses significant variances that impacted 4Q18 results, including higher DAC amortization from equity market performance and lower than expected performance in Brazil. The document also provides details on the company's investment performance, asset management business results, and retirement and income solutions business results.
Syed Arif Raza has over 25 years of experience in finance, credit, risk management, and collections. He has held leadership positions at Standard Chartered Bank, Grays Leasing Ltd, PIC Leasing, First General Leasing Modaraba, and NDLC-IFC Bank Ltd. Raza has an MBA with a major in accounting and is a Certified Public Accountant and Certified Skill Assessor. He has extensive experience developing credit policies, managing portfolios, and reducing loan losses and bad debts.
The document provides highlights from Aimia's Q2 2017 results, including forward-looking statements about certain financial metrics for 2017. These statements involve assumptions that may prove to be incorrect. In addition, the statements do not reflect the potential impact of non-recurring items, transactions, or changes that could occur after the date of the document. Actual results could differ materially from the forward-looking statements. The document also contains non-GAAP financial measures and provides definitions and reconciliations to the most comparable GAAP measures.
Fairway Financial Solutions provides advisory services in the consumer debt and mortgage industries including financial advisory, loan servicing oversight, due diligence, operational assessments, business plan development, process documentation, interim management, portfolio management, and project management. The company utilizes Six Sigma principles and has experience with accounts receivable management. Fairway has successfully completed engagements with Clayton Holdings, Washington Mutual Retail Bank, Cerberus Capital, and Aegis Mortgage.
Compliance issues are at the front of every manager's and fiduciary’s mind these days. It used to be that all the worry came from a creative plaintiffs’ bar calling a business's conduct into question, but those days are long gone. Public and private companies are investigated by not only the United States federal government, but also local, state, and foreign governments. Self-regulating entities also add a layer of scrutiny. Under the insulation of the attorney-client privilege, an effective internal investigation can help marshal the facts to inform corporate decisions about past or existing violations and prevent potential future violations. An internal investigation can protect management from the violation and records the company's response to an incident or violation. However, most importantly, it serves to send a clear message that the company is serious about compliance and that it sets transparency as a priority. This webinar surveys recent compliance trends and discusses best practices regarding the attorney-client privilege, joint defense agreements, the use of experts, witness interviews, the consequences of self-disclosure and how to control the impact on the company.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/internal-investigations-101-2021/
The document lists 10 things the author loves about being a strategist: 1) Providing a clear view of a brand's situation and opportunities for growth, 2) Working with big brands to drive incremental change and niche brands to drive radical change, 3) Constantly learning from everyone at all levels of an organization, 4) Working with brands around the world and experiencing different cultures and ways of interacting with brands, 5) Having insights strike at 3am after extensive research, 6) Working with great design talent to put customers first, 7) Using many Post-It notes to plan and execute robust brand strategies, 8) Learning from some of the best minds in business, 9) Understanding customers by putting themselves in their mindset,
O novo programa da MTV "Grossbusters" vai mostrar quartos extremamente sujos e nojentos de jovens nos EUA. O apresentador Evan Spaulding inspeciona os quartos imundos e dá dicas de organização. Os donos dos quartos sujos precisam cumprir uma tarefa humilhante para receber ajuda para limpar o local.
A série BUGGED OUT estreia no dia 18 de maio, às 20h na MTV. A série fará pegadinhas hilárias nas pessoas usando a tecnologia de maneiras inesperadas, fazendo os aparelhos eletrônicos se virarem contra os usuários. O apresentador Rob Anderson comandará as pegadinhas em tempo real.
- Dopamine plays an important role in motor control and Parkinson's disease is characterized by degeneration of dopaminergic neurons.
- Previous models of Parkinson's disease in C. elegans observed neuronal degeneration via fluorescent microscopy at day 9 of development, which was time-consuming.
- This study developed a new assay to detect behavioral defects in C. elegans correlated with dopamine neuron degeneration at an earlier time point (day 3), allowing faster screening of factors that contribute to Parkinson's disease onset.
The document discusses various conventions and techniques used in film trailers. It provides details on structural elements like openings, build-ups, and depicting problems and events. It also covers functions of voiceovers like providing background, character information, and building anticipation. Trailers aim to encourage wide audiences and may highlight appealing but non-chronological clips. Analysis of selected trailers should describe their structural elements and use of techniques like voiceovers. The task is to analyze two film trailers of the same genre and create a Prezi presentation discussing represented genres, narratives, target audiences and other specified elements.
This document provides background information on John Merriwether, including his experience, education, and roles. The key points are:
- John Merriwether is the Vice President of Investor Relations at AMC Theatres and previously held the same role at Health Management Associates for over 10 years.
- He has 20+ years of experience in financial management and investor relations in the healthcare industry.
- He holds a degree from Columbia University - Columbia Business School.
- In his previous roles, he led initiatives that improved company performance, addressed crises, communicated with investors, and increased shareholder value.
Michael Callahan has over 30 years of experience in property and casualty insurance claims management. He has held senior level positions such as Vice President of Claims and Claims Manager. In these roles, he managed large staffs and oversaw all aspects of claims operations. His experience includes managing third party administrators and implementing strategies to improve loss ratios, profitability, and customer service.
Vincent J. Lombardo has over 30 years of experience in senior financial roles. He has worked in a variety of industries including professional services, manufacturing, distribution, and high-tech. His background includes experience in strategy, operations, IT, reengineering, mergers and acquisitions. He has a proven track record of reducing costs and improving profitability through strategic planning and process improvement initiatives.
This document is a resume for James J. Shrager, a finance management executive with over 15 years of experience in strategic planning, financial administration, and fiscal management. He has held several Vice President of Finance roles where he managed all financial functions and oversaw accounting, HR, payroll, and administration. Shrager has expertise in areas such as reporting, acquisitions, profit expansion, and ensuring regulatory compliance. His experience includes positions at Asset Staffing, Volt Information Services, Ogden Corporation, and Acoustiguide Corporation.
Jonathan Hefter has over 10 years of experience in public accounting and private industry. He has extensive experience with SEC reporting, SOX compliance, GAAP and IFRS reporting standards. He has worked as an audit supervisor, senior auditor, and auditor for various accounting firms, focusing on financial institution audits. He also has experience in tax and investment accounting.
This document is a resume for David M. Herman, CPA. It summarizes his career experience in auditing and accounting. He has over 25 years of experience providing auditing, accounting, and consulting services to a variety of industries. His experience includes performing audits, Sarbanes-Oxley testing, and internal auditing for various companies, governments, and non-profits. He is a licensed CPA in multiple states and maintains all continuing education requirements.
Edward Nankervis has over 15 years of experience in financial services including credit analysis, risk assessment, collections, and customer service. He is currently a Credit Analyst at Toyota Financial Services where he analyzes commercial loan applications, assesses risk, and makes underwriting decisions. Prior to this, he held finance and credit roles at Experian, Chrysler Financial, and other organizations where he managed teams, originated credit, reviewed dealership finances, and more. He has a Bachelor's degree in Marketing and Human Resources from Temple University.
Michael Randle has over 15 years of experience in banking, loan servicing, operations, call center operations, credit analysis, risk management, budgeting, and forecasting. He has held several leadership roles managing teams and portfolios at JPMorgan Chase, Bank of America, and other financial institutions. Randle holds a Bachelor's degree in Business Administration and has additional real estate and engineering qualifications.
Patricia Mapel has over 15 years of experience in the financial services industry. She has held positions at Bank of Oklahoma, Newfield Exploration, Ameriprise Financial, Jackson National Life Insurance, and Washington Mutual. Her experience includes account management, client onboarding, product management, financial planning, and sales. She holds a Bachelor's degree in History and Legal Studies and FINRA Series 6, 63, and 7 licenses.
Philip Hasel has over 30 years of experience in accounting, finance, and operations management. He has held roles such as Chief Financial Officer, Controller, and Accounting Manager for companies in various industries. He has a track record of implementing financial controls and systems to support growth. Hasel has expertise in accounting, financial analysis, tax preparation, and business consulting.
Robert Edwards has over 30 years of experience in credit risk management. He has held leadership roles at the FDIC, Key Equipment Finance Group, Citicapital Commercial Corporation, and Deutsche Credit Corporation. Edwards has a proven track record of balancing risk and compliance while maximizing profits through underwriting, portfolio management, and workouts.
This document is a resume for Michael L. Randle. It summarizes his professional experience in banking, loan servicing, real estate, and operations management over the past 15+ years. Randle has held several leadership roles at banks like JPMorgan Chase and Bank of America, where he managed loan portfolios, short sales, bankruptcy, and loss mitigation. He also has experience as a realtor at Coldwell Banker Residential. Randle's resume emphasizes his skills in risk management, mortgage lending, project management, and financial services.
Michael Randle has over 15 years of experience in banking, loan servicing, operations, call center operations, credit analysis, risk management, budgeting, and forecasting. He has held several leadership roles managing teams that service mortgages, handle bankruptcies and short sales, and provide customer service. Randle has a proven track record of achieving results through strategic initiatives while ensuring compliance with regulations.
David Gronostaj is a results-oriented CFO with over 30 years of financial experience in various industries including manufacturing, distribution, transportation, waste management, and beverage importing. He has held high-level financial roles such as CFO, Controller, and Director of Finance for companies with annual revenues ranging from $15M to $250M. His expertise includes financial reporting, budgeting, analysis, process improvement, and managing teams. Currently he works as a consulting CFO for Lucarelli Tactical Group.
Christina Flanigan is a senior accounting professional with over 15 years of experience in accounting, finance, and management roles. She has a Bachelor's degree in Business Administration and a Master's in Accountancy. Her experience includes serving as the Director of Accounting for the Fort Walton Beach Chamber of Commerce and the Director of Finance and Accounting for a nonprofit organization. She also has experience as a senior accountant and auditor.
Felecia Gauthier has applied for a position and enclosed her resume for review. She has experience in financial management, business process improvement, and customer satisfaction. Her references will attest to her strong organizational and communication skills. With an MBA and professional experience, she is interested in a position allowing her to utilize her education.
April Medeiros has over 15 years of experience in insurance and customer service roles. She is currently an Account Executive at HUB International Insurance where she handles accounts, policy issuance, and maintains relationships with brokers and underwriters. Prior to this, she worked as a Claims Coordinator and Account Specialist at other insurance companies. Medeiros has a Bachelor's degree in Liberal Arts from Bryant University and holds an Insurance Producer License in Rhode Island.
Alison Siegfried has over 15 years of experience in corporate accounting, finance, and taxation. She currently works as a Staff Accountant and Quality Specialist for Cordant HealthCare Solutions, where she delivers financial analyses and supports corporate restructuring. Previously, she worked for the Department of Homeland Security analyzing safety issues at ports. She also owned a cleaning service business and worked as a Financial Analyst for Primerica Financial Services. She has a Bachelor's degree in Information Technology and an Associate's degree in Human Resource Management.
Cynthia Driver has over 20 years of experience in accounting and financial management roles. She has managed accounting departments for both mid-sized and large companies, with experience overseeing budgets of up to $50 million. Driver focuses on cost control, revenue and profitability through developing effective processes and collaborating across departments.
Edward Faltisek is a certified public accountant and financial executive with over 30 years of experience in corporate accounting and finance roles. He has extensive experience overseeing financial operations, compliance, budgeting, and reporting for various companies. Faltisek is proficient in accounting software like QuickBooks, financial analysis and management, and ensuring compliance with financial reporting standards and tax regulations.
1. Joseph R. Peiso, CPA, CPCU, ARe <br />P.O. Box 51475 (34232) <br />5025 Marshfield Rd <br />Sarasota, Florida 34235 <br />941.371.0461 (o) <br />941.915.5921 (c) <br />jrpeiso@jrpeiso.com <br />http://www.linkedin.com/in/jrpeiso <br />PROFESSIONAL EXPERIENCE <br />United Insurance Holding Corp.<br />Chief Financial Officer (2010 – present)<br />• Worked closely with regulatory counsel to prepare Form A filing and gain admission to South Carolina<br />• Designed and implemented a department level budget<br />• Proposed and implemented a fiscal plan year to coincide with reinsurance purchase<br />• Reorganized finance unit to accomplish assigned tasks with fewer personnel<br />Sarasota Bay Insurance Managers, LLC, Sarasota, Florida <br />Managing Member (2004 – 2009) <br />Regulatory Oversight <br />• Assisted Special Deputy Supervisor with three Administrative Supervisions of Florida domestic insurers at varying stages of completion, including on-site responsibility for transaction approval and consent order compliance for Union American Insurance Company. <br />• Prepared compliance documentation package and worked directly with Florida Office of Insurance Regulation representatives. <br />• Prepared financial projections/financial modeling/cash flow analysis <br />Company Acquisition and Formation <br />Transguard Insurance Company of America, Chicago, IL; Transition Management Project Leader <br />• Responsibilities included liaison to the independent accountants, Illinois Department of Insurance Examiners and consultants retained by seller to establish transaction closing balance sheet. <br />Phoenix International Insurance Company, Sarasota, Florida; CFO/Vice President/Director; <br />• Responsibilities included financial projections/financial modeling supporting Form A and UCAA Admission Package. <br />Bay American Insurance Holdings, Houston Texas; CFO/Vice President <br />• Responsibilities included financial projections/financial modeling supporting Form A and UCAA Admission Package. <br />• Coordinated due diligence reviews; performing primary role in financial evaluation while securing and coordinating resources to address systems, actuarial and cultural issues inherent in acquisition transactions <br />Select General Agency, LLC, Dallas, Texas; <br />• Conducted financial due diligence review and coordinated the operational and information technology reviews of All Risk General Agency <br />Alternative Dispute Resolution <br />Performed detail document reviews, formulated issues analysis, prepared initial position paper and communications to panel members <br />• Apache Products Liquidating Trust v. Liberty Mutual Insurance Co; premium dispute <br />• Anesthesiologists’ Professional Assurance Company v. MHI; Agency compensation dispute revolving around renewal ownership <br />• Hamway Flooring v. FCCI; premium dispute involving subcontractor classification <br />• Home Quality Management, Inc. v. ACE American Insurance Company; commission dispute <br />Financial Review and Reserve adequacy evaluation <br />• Prepared analysis of losses and loss reserves for Professional Employer Organizations controlling in excess of $100 million in payroll <br />• Amtrust Financial – Financial analysis review of Technology Insurance Company and Rochdale Insurance Company <br />Dixon Odom PLLC, High Point, NC <br />Senior Manager (2001 – 2004) <br />Established the firm as an approved vendor in six states outside it’s native state of North Carolina; - Florida, Georgia, Indiana, South Carolina, Texas and Virginia. Secured and satisfactorily delivered an organizational examination assignment from the Alternative Risk Transfer Division of the South Carolina Department of Insurance and market conduct examination for the Texas Department of Insurance. In addition to pursuing regulatory assignments, attracted the firm’s first life insurance client. <br />Investors Title Company, Chapel Hill, NC <br />Senior Vice President/Controller (2000 – 2001) <br />• Assumed responsibility over Finance function in September 2000 with the objective to introduce current methods and technology to heighten the areas effectiveness and utility. <br />• Converted Corporate Card program to introduce various operation changes designed to heighten level of service enjoyed by cardholder and budgetary information to the Company. <br />• Automated premium and commission entries and implemented electronic Travel and Entertainment reporting, direct deposit and invoice bar coding. <br />• Developed financial model and fiscal budget encompassing seven corporate entities and over 40 separate cost centers. <br />North Carolina Department of Insurance, Raleigh, NC <br />Chief Financial Examiner (1997 – 2000) <br />Served as administrative head of the Examination Section of the North Carolina Department of Insurance’s Financial Evaluation Division. Managed a team of twenty accounting professionals across a varied universe of assignments. Directly responsible for the scheduling, administration and reporting associated with statutory examinations for insurance operations affecting the North Carolina insurance market. <br />• Developed and implemented continuous improvement initiative designed to bring the Examination Section current with industry standards. Developed, delivered and had approved a Re-engineering Plan for the Examination Section stressing the concept of continuous improvement. The Plan received the endorsement of North Carolina’s Insurance Commissioner. <br />• Realigned the Section’s audit approach to concentrate on high-risk areas and achieved an average reduction in time to examine approximating 30%. <br />• Established committees to explore opportunities for improvement in the areas of audit approach, work paper quality, capital needs and staff motivation. <br />• Established Advisory Committee to heighten interaction with regulated community and their independent accountants. <br />• Eliminated backlog of examination reports. <br />Vik Brothers Insurance Group, Raleigh, NC <br />Corporate Accounting Manager & Special Projects (1993 -1997) <br />• Compiled SEC level disclosure for the Group’s initial private placement memorandum. <br />• Designed financial models designed to develop pro forma and projected financial statements on both a statutory and GAAP basis. <br />• Conducted Risk-Based Capital modeling and analysis in response to regulatory inquiry. <br />• Managed the financial reporting function for a dynamic property insurer experiencing significant growth. Prepared the Group’s statutory financial statements and financially oriented regulatory filings for acquisition oriented property/casualty Insurance holding company. The Group’s premium volume doubled to $500 million of direct written premiums in twenty-eight states during this period. <br />• Developed quarterly management summary of consolidated results of operations for executive review. <br />• Developed projected and pro forma financial statements, schedules and exhibits in support of first public offering and debt restructuring. <br />• Served as principal liaison to North Carolina and Ohio Departments of Insurance and Ernst & Young ensuring timely completion of regulatory examinations and independent audits <br />• Developed financial model to preliminarily determine the adequacy of IBNR reserves <br />• Monitored and reported compliance with debt covenants. <br />• Provided financial support for Group’s General Counsel in settlement of acquisition oriented litigation. <br />J.R. Peiso & Associates, Miami, FL <br />Owner (1992 – 1993) <br />• Founded and operated a management advisory practice oriented to the needs of the small to regional insurance operations. <br />• Developed flow charts to document and evaluate system of internal paper flow resulting in operational efficiency recommendations. <br />• Developed premium finance model and business plan to analyze project viability and attract institutional funding. <br />Commonwealth General Insurance Company, Kansas City, MO;<br />Retained by Board Chairman and Executive Committee to direct all aspects of financial management of Property/casualty insurance company licensed in eighteen states, specializing in heavy commercial automobile liability. Managed internal and external statutory and GAAP financial reporting, corporate planning and development, principal banking and external accounting relations. <br />• Developed monthly managerial financial <br />• Coordinated initial response and Plan of Voluntary Run-Off and Claims Liquidation <br />• Designed detail financial model to simulate insurance and premium finance operations. <br />• Designed and performed detailed analysis of proposed reinsurance programs <br />Transportation Casualty Insurance, Ft. Lauderdale, FL <br />Vice President Finance & Special Assignments (1986 – 1992) <br />• Special assignments at the direction of the President and Chief Operating Officer. <br />• Interim chief operating officer of the Group’s financially distressed brokerage acquisitions <br />• Prepared financial projections in support of the Group’s first public offering. <br />• Coordinated and conducted due diligence process for Group’s hostile acquisitions. <br />• Directed all aspects of external and internal financial reporting and management. <br />• Formed two retail agencies and a premium finance company. <br />• Principal liaison with external auditors, banking relations and reinsurance intermediaries. <br />• Developed a managerial financial reporting system designed to provide a detail of operating results. <br />• Developed premium finance model and business plan for institutional funding. <br />Ponce De Leon Lodge & Country Club, St. Augustine, FL - Comptroller 84 – 86 <br />American Bankers Insurance Group, Miami, Fl - Financial Reporting 82 – 84 <br />Coopers & Lybrand C.P.A., Miami, FL - Staff Auditor 81 – 82 <br />EDUCATION & PROFESSIONAL DESIGNATIONS: <br />Bachelor of Science, Accounting, School of Accounting, University of Florida, 1980 <br />Florida Certified Public Accountant – Lic. No. 11543, Since 1982 <br />Florida Licensed Life, Accident and Health Insurance Agent – Lic. No. A203226<br />Florida Licensed General Lines Agent – Lic. No. A203226<br />Associate in Reinsurance, American Insurance Institute - 2005 <br />Chartered Property Casualty Underwriter, American Institute of Chartered Property Casualty Underwriters - 2009<br />SPECIAL SKILLS <br />Fluent spoken Spanish <br />Proficient in Microsoft Office Suite – Word, Excel & PowerPoint <br />