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.

1. Joseph R. Peiso CPA CPCU ARe
P.O. Box 51475 (34232)
5025 Marshfield Rd
Sarasota, Florida 34235
941.371.0461 (o)
941.915.5921 (c)
jrpeiso@jrpeiso.com
http://www.linkedin.com/in/jrpeiso
PROFESSIONAL EXPERIENCE
United Insurance Holding Corp., St. Petersburg, Florida
Chief Financial Officer (2010 – present)
• Worked closely with regulatory counsel to prepare Form A filing and gain admission to South Carolina
• Designed and implemented a department level budget
• Proposed and implemented a fiscal plan year to coincide with reinsurance purchase
• Reorganized finance unit to accomplish assigned tasks with fewer personnel
Sarasota Bay Insurance Managers, LLC, Sarasota, Florida
Managing Member (2004 – 2009)
Regulatory Oversight
• 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.
• Prepared compliance documentation package and worked directly with Florida Office of Insurance Regulation representatives.
• Prepared financial projections/financial modeling/cash flow analysis
Company Acquisition and Formation
Transguard Insurance Company of America, Chicago, IL; Transition Management Project Leader
• Responsibilitiesincluded liaison to the independent accountants, Illinois Department of Insurance Examiners and consultants
retained by seller to establish transaction closing balance sheet.
Phoenix International Insurance Company, Sarasota, Florida; CFO/Vice President/Director;
• Responsibilities
included financial projections/financial modeling supporting Form A and UCAA Admission Package.
Bay American Insurance Holdings, Houston Texas; CFO/Vice President
• Responsibilities included financial projections/financial modeling supporting Form A and UCAA Admission Package.
• 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
Select General Agency, LLC, Dallas, Texas;
• Conductedfinancial due diligence review and coordinated the operational and information technology reviews of All Risk
General Agency
Alternative Dispute Resolution
Performed detail document reviews, formulated issues analysis, prepared initial position paper and communications to panel
members
• Apache Products Liquidating Trust v. Liberty Mutual Insurance Co; premium dispute
• Anesthesiologists’ Professional Assurance Company v. MHI; Agency compensation dispute revolving around renewal
ownership
• Hamway Flooring v. FCCI; premium dispute involving subcontractor classification
• Home Quality Management, Inc. v. ACE American Insurance Company; commission dispute

2. Financial Review and Reserve adequacy evaluation
• Prepared analysis of losses and loss reserves for Professional Employer Organizations controlling in excess of $100 million in
payroll
• Amtrust Financial – Financial analysis review of Technology Insurance Company and Rochdale Insurance Company
Dixon Odom PLLC, High Point, NC
Senior Manager (2001 – 2004)
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.
Investors Title Company, Chapel Hill, NC
Senior Vice President/Controller (2000 – 2001)
• Assumed responsibility over Finance function in September 2000 with the objective to introduce current methods and
technology to heighten the areas effectiveness and utility.
• Converted Corporate Card program to introduce various operation changes designed to heighten level of service enjoyed by
cardholder and budgetary information to the Company.
• Automated premium and commission entries and implemented electronic Travel and Entertainment reporting, direct deposit and
invoice bar coding.
• Developed financial model and fiscal budget encompassing seven corporate entities and over 40 separate cost centers.
North Carolina Department of Insurance, Raleigh, NC
Chief Financial Examiner (1997 – 2000)
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.
• 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.
• Realigned the Section’s audit approach to concentrate on high-risk areas and achieved an average reduction in time to examine
approximating 30%.
• Established committees to explore opportunities for improvement in the areas of audit approach, work paper quality, capital
needs and staff motivation.
• Established Advisory Committee to heighten interaction with regulated community and their independent accountants.
• Eliminated backlog of examination reports.
Vik Brothers Insurance Group, Raleigh, NC
Corporate Accounting Manager & Special Projects (1993 -1997)
• Compiled SEC level disclosure for the Group’s initial private placement memorandum.
• Designed financial models designed to develop pro forma and projected financial statements on both a statutory and GAAP
basis.
• Conducted Risk-Based Capital modeling and analysis in response to regulatory inquiry.
• 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.
• Developed quarterly management summary of consolidated results of operations for executive review.
• Developed projected and pro forma financial statements, schedules and exhibits in support of first public offering and debt
restructuring.
• Served as principal liaison to North Carolina and Ohio Departments of Insurance and Ernst & Young ensuring timely
completion of regulatory examinations and independent audits
• Developed financial model to preliminarily determine the adequacy of IBNR reserves
• Monitored and reported compliance with debt covenants.

3. • Provided financial support for Group’s General Counsel in settlement of acquisition oriented litigation.
J.R. Peiso & Associates, Miami, FL
Owner (1992 – 1993)
• Founded and operated a management advisory practice oriented to the needs of the small to regional insurance operations.
• Developed flow charts to document and evaluate system of internal paper flow resulting in operational efficiency
recommendations.
• Developed premium finance model and business plan to analyze project viability and attract institutional funding.
Commonwealth General Insurance Company, Kansas City, MO;
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.
• Developed monthly managerial financial
• Coordinated initial response and Plan of Voluntary Run-Off and Claims Liquidation
• Designed detail financial model to simulate insurance and premium finance operations.
• Designed and performed detailed analysis of proposed reinsurance programs
Transportation Casualty Insurance, Ft. Lauderdale, FL
Vice President Finance & Special Assignments (1986 – 1992)
• Special assignments at the direction of the President and Chief Operating Officer.
• Interim chief operating officer of the Group’s financially distressed brokerage acquisitions
• Prepared financial projections in support of the Group’s first public offering.
• Coordinated and conducted due diligence process for Group’s hostile acquisitions.
• Directed all aspects of external and internal financial reporting and management.
• Formed two retail agencies and a premium finance company.
• Principal liaison with external auditors, banking relations and reinsurance intermediaries.
• Developed a managerial financial reporting system designed to provide a detail of operating results.
• Developed premium finance model and business plan for institutional funding.
Ponce De Leon Lodge & Country Club, St. Augustine, FL - Comptroller 84 – 86
American Bankers Insurance Group, Miami, Fl - Financial Reporting 82 – 84
Coopers & Lybrand C.P.A., Miami, FL - Staff Auditor 81 – 82
EDUCATION & PROFESSIONAL DESIGNATIONS:
Bachelor of Science, Accounting, School of Accounting, University of Florida, 1980
Florida Certified Public Accountant – Lic. No. 11543, Since 1982
Florida Licensed Life, Accident and Health Insurance Agent – Lic. No. A203226
Florida Licensed General Lines Agent – Lic. No. A203226
Associate in Reinsurance, American Insurance Institute - 2005
Chartered Property Casualty Underwriter, American Institute of Chartered Property Casualty Underwriters - 2009
SPECIAL SKILLS
Fluent spoken Spanish
Proficient in Microsoft Office Suite – Word, Excel & PowerPoint