Agenda

Welcome remarks and the SOFE Membership Annual Meeting.

Lindsay Crawford, SOFE President

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The Commissioner and Chief Financial Regulator panel discussion will will involve a group of insurance commissioners and senior financial regulators in discussing topics of importance in insurance regulation and financial surveillance. Panelists will provide an overview of key initiatives, as well as their perspectives on a number of emerging issues. Participants will be asked to submit questions for the panel, so please come prepared to participate.

 

Bruce Jenson, NAIC
Commissioner Nathan Hodek – Wisconsin Office of the Commissioner of Insurance
Commissioner Mulready-OK
Laura Clements, Chief Financial Examiner (CA)
Debbie Doggett, Chief Financial Analyst (MO)
Amy Malm, Chief Financial Regulator (WI)

 

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Ever had a tough discussion? Avoided conversations because you thought that you or the other person will feel bad? This session explores ways to find common ground in difficult conversations in the professional workplace. We will discuss tools to defuse the most polarizing issues in a conversation to reach consensus (or at least to all understand the friction) and work toward agreeable solutions.

Drummond Kahn

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Sunset on the bay soiree!
Sand, Surf, Sun & Solvency Dinner Cruise 
Following the opening sessions

Step aboard the Admiral Hornblower for an evening of elegance, entertainment, and camaraderie as we set sail for the Sand, Surf, Sun & Solvency Dinner Cruise. Enjoy a luxurious cruise through the stunning San Diego Bay, where sweeping skyline views meet a lively atmosphere of networking, dining, and dancing. With three spacious, climate-controlled salons, expansive open-air sun decks, and a hip ‘boutique hotel’ style Captain’s Lounge and Pilot House, the Admiral Hornblower promises a first-class experience.

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This training provides regulators with insights into non-insurer entity license types, including producers, reinsurance intermediaries, claims adjusters, PBMs, MGAs, and TPAs. Learn about their roles, regulatory requirements, and the risk, compliance, and solvency implications they present to insurers in the broader insurance ecosystem. Kelsey Barlow and John Romano, Baker Tilly

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Whether it relates to State Insurance Departments or Contracting firms, the trend of the "shrinking talent pool" that has been developing over the last 20 years accelerated recently with COVID, increasing retirements, competition for talent, changing mindset and work ethic, and the limited number of professionals choosing financial regulation, as a career choice. This session will explore national and industry trends and how they impact the financial regulation workforce. It will explore issues that are unique to State Insurance Departments and those that are unique to Contracting firms. This session will also be an open discussion with the audience regarding problems regulators are having attracting, recruiting and training talent, scheduling of resources, and succession planning, and how those issues are being effectively addressed based on audience interaction. Kelly Willison

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Join TM+ experts from Wolters Kluwer for an interactive discussion designed to bridge the knowledge gap between users and Champions. Topics include what every user should know about global settings, file set-up, TeamStore templates, project templates and more. On-screen demonstrations will showcase key navigation and hyperlinking skills. Learn how to effectively communicate your needs with the Champion to collaboratively develop solutions. This interactive session will utilize the Slido app to facilitate Q&A follow-up on all topics. Rachelle Gowins, Examination Resources, LLC; Steven Williams, Wolters Kluwer; Colton Schultz, North Dakota Ins Dept

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Data is the lifeblood of AI and generative AI. Reliance on data has increasingly become central to all aspects of corporate decision-making.We will discuss data governance infrastructure, e.g., policies, procedures, and standards; technology and tools, e.g., data quality tools, data catalogs, automation, and AI and machine learning Integration. Earnest Collins, CFE, CISSP, CISM, CISA, CGAI, AES

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In this session, explore the distinctive features that set health insurance apart from other types of insurance. This session will delve into the various health insurance lines, highlighting their unique characteristics, benefits, and challenges. Attendees will gain insights into the complexities of health insurance policies and the evolving landscape of healthcare coverage and regulation. Natalie Howe, April Spevak (Examination Resources); Scott Garduno (Examination Resources); Craig Moore (Examination Resources);James Gowins (Examination Resources)

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This session will cover various suggestions and approaches for examination teams on handling insurers' expanding use of Artificial Intelligence and Big Data on examinations. Further discussion will cover what regulators can potentially expect to see from insurers in 2025 and beyond as it relates to their utilization of AI and Big Data, as well as tools and resources to help evaluate and assess these technologies.

Andy Jennings, Scott Merkord, Sara Schumacher | Risk & Regulatory Consulting, LLC

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The state-based guaranty association system plays a crucial role in protecting policyholders during an insurer insolvency, acting as a safety net for insurers across the nation. During this session, Amanda Barbera and Pam Olsen, will provide attendees with a foundational overview of the state-based guaranty association system, from administrative supervision or similar regulator actions through liquidation.

Amanda Barbera, Pam Olsen, Lindsay Crawford | NOLHGA

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This session will explore the latest Cyber Security Attack trends and how companies should be protecting against them and what auditors should be looking for when they review Information Technology Systems. Jerry Wynne, Blue Cross Blue Shield of North Dakota

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This session will discuss approaches to conducting financial analysis and examination review of complex risks that are becoming more significant in assessing the solvency of insurers. The presentation will discuss how to identify and assess company practices in the areas of complex investment holdings, capital models, and catastrophic risk exposures without having to be an expert on each topic. Bruce Jenson and Sherry Flippo, NAIC

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This session will review a sample insurer that is highly dependent on reinsurance as part of their operations. Through a lifecycle case study, participants will identify key issues to be flagged by analysts and understand the necessary coordination between the EIC, Reinsurance Specialist, and Actuary. The session will specifically review risk transfer requirements, address contracts with loss-sensitive provisions, and discuss the potential balance sheet impacts of recommendations and findings. Natalie Howe, Sol Frazier (Examination Resources); Bryan Fuller (Examination Resources)

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Insurer investment portfolios and investment practices have grown increasingly more complex. Life insurer liabilities are more market sensitive. P&C and Health insurers likewise face new and different variables. Investment markets in recent years have experienced higher levels of volatility. Interest rates have fluctuated. In this session, we will provide an overview of key aspects that constitute good investment governance.

Ed Toy, Laura Clark, & Kristen Sharrow | Risk and Regulatory Consulting, LLC

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This session will provide an overview of data governance and the framework that should be in place before implementing artificial intelligence (AI) to ensure sources of potential bias and systemic errors are identified and mitigated. Russell Sommers, Dennis Schaefer, Ayo Ogunwale, Baker Tilly

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Insurance Groups continue to grow larger and more sophisticated every year, with an increasingly complex web of affiliates and related parties. This session will be a balance of instruction and discussion between examiners and analysts to provide insight on the Department's perspective and examination testing considerations during the assessment of related party agreements and the appropriateness and accuracy of review of related party fees. Additionally, the session will encourage communication between the analyst and examiners throughout the examination and discuss best practices. Joseph DeVries, Manager, Noble Consulting Services Inc. | Jerry Ehlers, Indiana Dept of Insurance

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As the risk-focused surveillance process matures, analysts' and examiners' functions and responsibilities have evolved. This session explores practical tips to best utilize and leverage the work of the analyst in the examination process, efficient ways to document the work of the analyst and incorporate and address the concerns of the analyst into the examination process. This session will also cover innovative ways to involve, integrate, and utilize the analyst throughout the financial examination process and best practices in documenting communication with the analyst and preparation of the Summary Review Memorandum.

 

Brendan Gordon and Richard Foster, The INS Companies

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Interviews are a key component in the identification and evaluation of examination and solvency risks. Interviews are supplement other examination procedures and provide the critical human input covering existing and prospective risks. Result? Examiners must master and deploy effective interviewing skills. In this session, we'll cover a checklist of proven risk-focused interviewing steps for both in-person and on-line virtual formats. John J. Hall, CPA, Hall Consulting, Inc.

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A discussion on the impact of automation on auditing and examinations. Learn about the use of automation to handle previously human-driven work processes in adjudication and operations. Also, learn about methods that can be used to audit the unauditable from AI to process automation. Bryan Gibson, i2x Solutions

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Model Risk has evolved to become one of the most signficant risks in the modern insurance industry. How does this pose a solvency risk and what implications does this have for conducting examinations? How can Model Risk effectively be tested on examinations? How do examiners account for AI considerations? This session will cover these topics and provide real life case studies on how Model Risk has been tested on prior exams. We will also cover some of the ERM framework and governance that should be in place for examiners to obtain comfort with how Model Risk is managed by an insurer, as well as what key activities are impacted by this risk and what testing approaches examiners can employ. Christine Browning, Scott Merkord, Risk & Regulatory Consulting, LLC

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In the wake of devasting hurricanes in many southern states, insurance companies face immense pressure to process disaster claims swiftly and accurately. However, like shifting sands, the regulatory landscape requires companies to maintain stability and compliance amid these challenges. This session will explore the best practices for conducting hurricane disaster claim market regulation examinations, emphasizing regulatory compliance, risk management, and solvency oversight. Attendees will gain insights into common examination scope pitfalls, effective oversight strategies, and how to ensure policyholders receive fair and timely settlements while maintaining the integrity of the insurance market. Heather Harley, The INS Companies

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We will examine the changes in the economic landscape from before COVID-19, during the pandemic and after the 2024 election. This session will explore how global events have impacted financial markets, altered economic policies, and influenced the investment strategies of insurance companies. We will discuss the factors driving these strategies and their underlying expectations. Lastly, we will address the new risks related to these investor assumptions, helping examiners identify and assess potential risks in the current economic context. Eric Del Monaco

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Members of the IT Examination Working Group will discuss recent cybersecurity updates to the IT Exam process as well as the status of an ongoing longer-term project in this area. Topher Hughes, NAIC; Kim Dobbs - Missouri Department of Commerce & Insurance; Stefan Obereichholz-Bangert - Noble Consulting; Colton Schulz - North Dakota Insurance Department; Ber Vang - California Department of Insurance, Jenny Jeffers, Jennan

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2025 is a banner year for ethic challenges in government & business. Pressures for both financial and operational results grow every single day. And newspapers, trade journals and on-line sites are filled with stories of ethical lapses and outright fraud. Professional examiners and analysts play a key role in maintaining a pro-ethics environment in every organization they touch. In this session, we'll review relevant government and financial industry ethics cases. Plus we'll lay out a proven checklist for every participant to out into action every day. John J. Hall, Hall Consulting, Inc.

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Cryptocurrency is reshaping the financial landscape by utilizing advanced cryptographic methods to secure and authenticate transactions. Through the integration of self-executing smart contracts within decentralized networks, it paves the way for financial innovation. This includes transforming payment systems, enabling decentralized finance (DeFi) applications, and creating new opportunities for investment and fundraising via Initial Coin Offerings (ICOs). This session is tailored for professionals who seek to deepen their knowledge of cryptocurrency's decentralized financial systems and the operational efficiencies introduced by blockchain technology. Participants will explore the implications for financial reporting, auditing, and regulatory compliance, gaining insights into how cryptocurrency can reshape the future of finance. Dr. Cory Campbell, Noble Consulting Services, Inc.

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This session will include an in-depth discussion of core reinsurance elements aimed to help regulators examine and evaluate reinsurance programs. This presentation will focus on the critical role that reinsurance plays in the stability and resilience of the insurance industry, such as reinsurance management, adequacy, use, and mitigation tactics. Clarissa Crisp and Kelsey Barlow, Baker Tilly

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This panel discussion will explore the evolution of the Champion role from IT support under TM Audit Manager to functional support under TeamMate+. Discover how the Champion role has been redefined and learn strategies to guide your organization towards success. Gain insights on empowering multiple TeamMate+ users to develop the skills needed to become effective Champions and understand the benefits of being a champion-in-training. Jean Adams-Harris (Examination Resources, LLC), James Portuguez (NAIC); Steven Williams (Wolters Kluwer); Colton Schultz (North Dakota Ins Dept)

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Use of AI in examination including the positives and negatives of AI on a financial examination Joseph Evans and Carl Badean, The INS Companies

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This session will explain what climate models are, the history of climate modeling, how accurate these models are and how they are used to develop climate scenarios by financial institutions and regulators. The session will also introduced the new NAIC Climate Course for regulators and the latest NAIC analysis of NatCat-driven insurance insolvencies. Elisabetta Russo & Sherry Flippo, NAIC

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Investments are a significant part of the risk profile of every insurer. This session will provide a timely update on the current state of the capital and financial markets and emerging risks that regulators need to consider on examinations. Ed Toy, Kristen Sharrow & Laura Clark, Risk & Regulatory, LLC

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This session would explore how AI, particularly through the creation of deep fakes, is reshaping our perception of reality. It would cover ethical considerations, the implications for society, law, and personal identity, and how we might need to adapt our systems and behaviors to manage the integrity of information in an age where AI can convincingly fabricate reality.

Annette Knief, Puru Shrestha, and Brendan Gordon, The INS Companies

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Small and medium sized companies present a challenge in that often controls are not well documented, testing is questionable at best, are typically loaded with inadequately tested User Defined Programs (MS Excel), and typically have data back up processes that do not assure systems can be restored to a required point for time or point. Goal of this presentation will be to identify when to accept that controls are either inadequate or not present and how to communicate this to the Financial Exam teams. Gary Evans, Nebraska Department of Insurance

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During this session examiners will learn about the recent updates to the Financial Condition Examiners Handbook. Elise Klebba, NAIC

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Is a company experiencing rapid growth enjoying a great day at the beach or will it be hit by a tsunami? Join this actuarial panel as they wade through real-life scenarios, identify questions to ask, and suggest information to review to avoid a growth wipeout! Melissa Greiner, Director, Noble Consulting Mark Albert, FSA, MAAA Actuary, Noble Consulting Rebecca Freitag, FCAS, MAAA Senior Director and Actuary, Davies Actuarial Robert Daniel, ACAS, MAAA Director and Actuary, Davies Actuarial

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This session will provide best practices for the annual risk-focused analysis process and quarterly risk assessment procedures with the primary focus on changes from the prior year that identify new or material changes in the risk assessments, as well as the annual Insurer Profile Summary (IPS) and quarterly updates best practices.

Pat Gosselin and Eric Free | Risk & Regulatory Consulting, LLC

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This session will address the current state of AI regulation, AI implementation best practices and observations from the use of AI in the insurance industry. This session will address potential use cases for AI in insurance, issues observed by industry participants in using AI as well as common pitfalls in implementing AI. Russ Sommers, John Romano, Dennis Schaefer, Baker Tilly

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This live product demonstration session will showcase how TeamMate+ Audit, integrated with the NAIC database, can transform the way insurance examiners document and manage their examination work. Attendees will experience firsthand how leveraging TeamMate+ Audit aligns with the NAIC methodology and best practices while delivering enhanced efficiency, accuracy, and insights.In addition, we'll demonstrate TeamMate Analytics, our Excel-based data analytics solution designed specifically for auditors and examiners. By seamlessly integrating powerful analytics into a familiar Excel interface, TeamMate Analytics empowers users to perform advanced data analysis without requiring advanced technical expertise.This session will also highlight key new and future features, including Multiyear Audit Planning and the Business Rules Engine, which provide innovative ways to streamline planning and compliance efforts. Felicia Best, Wolters Kluwer - TeamMate

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This training covers the differences between Medicare and Medicaid, risks for insurers writing government programs, and key frameworks like HEDIS, NCQA, the STAR program, and risk adjustment. Participants will gain insights into compliance, risk management, and the impact of these factors on insurers in government-funded health plans.

Jessie Adamson, CFE, CISA & Kelsey Barlow, CFE, PIR, Baker Tilly

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This session will discuss recent enhancements to financial analysis solvency tools and resources, including the Financial Analysis Handbook, and encourage sound practices used by state insurance regulators. The session will emphasize efficiencies and practices for enhancing the quality of financial analysis. The session will preview analysis guidance and enhancements currently being developed at the NAIC. Jane Koenigsman, NAIC

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The convergence of quantum computing and AI presents a spectrum of opportunities and threats. On one hand, the pairing promises groundbreaking solutions to complex problems, from optimization to cryptography, while AI advances machine learning capabilities. However, this synergy introduces ethical concerns like biased algorithms, privacy issues, and potential job displacement. Quantum computing faces hurdles in practical hardware development, limiting its transformative potential. Striking a balance between harnessing opportunities for innovation and addressing the associated threats demands careful consideration of ethical, security, and societal implications, ensuring responsible deployment and minimizing unintended consequences in the rapidly evolving landscape of quantum computing and AI integration. Puru Shrestha and David Gordon, The INS Companies

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How to properly assess capital needs and liquidity, identify the differences between the two, and how they are related. Daniel Judge and Richard Foster, The INS Companies

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Effective coordination on large multi-state examinations is critical. This session will provide best practices for all important aspects of coordination to help ensure your next multi-state examination is conducted effectively and efficiently. William Michael, Alex Quasnitschka, Risk & Regulatory Consulting, LLC

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This session will focus on statutory accounting changes in the last year with a focus on changes that financial examiners and analysts should be aware of in their reviews. Robin Marcotte, NAIC

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In this presentation, we'll discuss how Artificial Intelligence and InsurTech are transforming the insurance industry . We'll explore ways AI and InsurTech are reshaping risk assessment, customer interactions, and operational efficiencies. Join us as we navigate the latest trends and forecast the far-reaching impacts of these pivotal technologies in the insurance sector. James Gowins and Steven Sigler, Examination Resources

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This session will take a look ahead and what we can expect over the next 3-5 years in Information Technology and Cyber Security. We will explore potential challenges around auditing, security, regulations, and challenges to society. Jerry Wynne, Blue Cross Blue Shield of North Dakota and Bryan Gibson, i2x Solutions

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This session will provide a detailed overview of insurance regulatory initiatives from the National Association of Insurance Commissioners, state legislatures, state departments of insurance and the federal government. Fred Karlinsky, Greenberg Traurig

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Join us for an engaging panel discussion that brings together seasoned ''old school examiners'' and innovative ''new generation examiners'' to explore the evolution of examination practices. This interactive session will provide participants with valuable insights into how diverse perspectives can enhance examination processes, making them stronger, more adaptive, and more efficient. Attendees will leave with actionable strategies for blending traditional methods with modern innovations in their own work. Joanne Campanelli, Sigurd Proudfit (Examination Resources); Robby Kalna (Examination Resources); Scott Kalna (Examination Resources);Erik De Leon (Examination Resources)

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Like morning fog at the beach, complicated reinsurance terms and/or structures can cloud the view of an insurer's financial statements and risk profile. Listen and learn from actuaries as the present various reinsurance scenarios that could threaten insurer solvency. Learn how to shine a light through complex reinsurance contracts. Melissa Greiner, Director, Noble Consulting Mark Albert, FSA, MAAA, Actuary, Noble Consulting Rebecca Freitag, FCAS, MAAA, Senior Director and Actuary, Davies Actuarial Robert Daniel, ACAS, MAAA, Director and Actuary, Davies Actuarial

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This session will discuss what examiners must do if a specific system or the overall ITGCs within the assessment of ITGCs is/are deemed ineffective. Tony Riddick and David Gordon, The INS Companies

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This course will explore a number of Behavioral Ethics Concepts and how they influence people's behaviors and decision making process. We'll walkthrough real-life examples highlighting the impact of these concepts and how they contribute towards unethical results. We'll then tie these ethical concepts into how they may impact your examination process. Chris Rushford, Josh Johnson, and Alea Talbert-Pence, Risk & Regulatory Consulting, LLC

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This session will explore the fundamental aspects of governance beyond the insurance industry while connecting the dots to the NAIC Exhibit M. Francois Houde, CRI Advisors, LLC

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As insurance companies continue to increase their allocations to private assets, understanding investment valuations is becoming a more critical component to understanding overall balance sheet health. In this presentation, we will review basic valuation theory and build on that to gain a deeper understanding of how statutory accounting deals with the subject with an emphasis on fair value. We will discuss the practical economic differences between Level 1, Level 2 and Level 3 asset valuations highlighting potential issues examiners should be aware of. Finally, we will introduce the importance of data and techniques examiners can employ in reviewing a company's investment valuations. The presentation will also touch on the importance of valuations overall, drawing lessons from recent financial institution failures and the Global Financial Crisis of 2008-2009. Eric Del Monaco, Noble Consulting Services, Inc.

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A deep dive into third party vendor risk management, focused on vendor due diligence, reliance on SOC reports, SOC review best practices as well as limitations and how to address them. Russ Sommers, Dennis Schaefer, Jessie Adamson, Baker Tilly

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Emerging technologies are transforming business practices by enhancing efficiency and improving decision-making, offering unprecedented value. However, these advancements bring complex ethical challenges, including data privacy concerns, potential biases in AI algorithms, and accountability in automated systems. As AI technologies rapidly integrate into global business processes, they present both promising opportunities and significant risks. Leaders today must skillfully navigate the fine line between innovation and responsibility, as these advancements may redefine stakeholder expectations and reshape professional standards. This session delves into the ethical implications of AI, providing insights to guide responsible, transparent, and sustainable adoptions in the modern business landscape. Dr. Cory Campbell, Noble Consulting Services, Inc.

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This session will cover fundamental statutory accounting principles statements on assets, liabilities premium receivables and disclosures. including permitted practice notification. This session will be beneficial for those who are new to statutory accounting principles and those who want a refresher. Robin Marcotte, NAIC

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This interactive panel discussion will highlight the importance of understanding the rationale behind accreditation standards for examiners and analysts. Panelists will share concrete examples of documents and language that can be incorporated into analysis and examination workpapers to demonstrate compliance with accreditation standards. The session will focus on recently adopted standards and those where documentation concerns are more common, providing practical insights and strategies to improve the quality of your work. Jean Adams-Harris (Examination Resources), Elizabeth Nunes (GA OCI); Joanne Campanelli (Examination Resources)

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A discussion on the role examiners play in early detection or unavoidable wind-down. Bryan Gibson, i2x Solutions, Jenny Jeffers, Jennan

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Dive into the dynamic world of captive insurance! Review the risks faced by captives and the proactive steps regulators are taking to ensure solvency. Explore the current captive landscape, the trends fueling growth, and the challenges faced by regulators. Discover the unique aspects of captive insurance regulation, including best practices. Dan Petterson, Director of Captive Exams, VT DFR - CaptivesSean O'Donnell, Associate Commissioner, D.C. Dept of Insurance, Securities, and Banking(tbd) Leane Rafalko, Director of Captive Management, CIC Services, LLC

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The analyst can drill into the quarterly assessments for pertinent information collected for the purpose of preparing the annual assessment (petroleum deposits that oozed to the surface and collected on rocks and bodies of water) Areas to look include: Changes prompting update to the IPS, Updating the IPS for changes in risk assessments as well as other updates.

Laurence Voiculescu, Sharon Kostuke, The INS Companies

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This presentation will provide an in-depth overview of the best practices and common pitfalls to avoid when conducting regulatory exams of insurance companies, focusing on the guidelines outlined in the National Association of Insurance Commissioners (NAIC) Financial Condition Examiners Handbook. The session is aimed at financial examiners, regulators, and professionals in the insurance industry. Maanik Gupta, Clarissa Crisp, John Romano, Baker Tilly

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This session explores what a good Incident Response plan should contain, who should be involved, and what challenges occur in our current working environment. Jerry Wynne, Blue Cross Blue Shield of North Dakota

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The extended sessions are designed to cover hot topics around IT examinations. It is an open forum where attendees are encouraged to participate, share experiences and new knowledge. Topics include: Exhibit C changes, security attestations like SOCs, CoBIT and NIST frameworks, and new areas of security, cyber-threats and disaster recovery.
Topics will include:
• Ransomware – current trends and mitigation strategies.
• Cloud environments, the importance of configurations and testing.
• Disaster Recovery, examining airgaps, examining frequency, examining recoverability.
• Hybrid/remote working environments and risks.
• IT examinations of Companies with primarily outsourced IT.
• Impacts of AI in examinations.
• Social Media – pros and cons.
• NAIC Handbook changes related to IT – receiverships, outsourced IT, prospective risks, etc.
Each attendee is encouraged to suggest other topics.

 

Jerry Wynne, CISO, BCBSND

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The extended sessions are designed to cover hot topics around IT examinations. It is an open forum where attendees are encouraged to participate, share experiences and new knowledge. Topics include: Exhibit C changes, security attestations like SOCs, CoBIT and NIST frameworks, and new areas of security, cyber-threats and disaster recovery.
Topics will include:
• Ransomware – current trends and mitigation strategies.
• Cloud environments, the importance of configurations and testing.
• Disaster Recovery, examining airgaps, examining frequency, examining recoverability.
• Hybrid/remote working environments and risks.
• IT examinations of Companies with primarily outsourced IT.
• Impacts of AI in examinations.
• Social Media – pros and cons.
• NAIC Handbook changes related to IT – receiverships, outsourced IT, prospective risks, etc.
Each attendee is encouraged to suggest other topics.

 

Jerry Wynne, CISO, BCBSND

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