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2024 Speakers

Scott White

Commissioner of Insurance at Virginia State Corporation

Scott A. White was appointed Commissioner of Insurance of the Virginia State Corporation Commission’s Bureau of Insurance in 2018. He was elected NAIC vice president in December 2023. 

White joined the Bureau as a research analyst in 1998. From 1999 until 2011, he worked as an attorney advising the bureau on all major insurance regulatory and compliance matters. In 2011, he became the head of the commission’s financial services legal division, expanding his practice areas to include securities and banking. 

White has chaired the Financial Condition (E) Committee, the Long-Term Care Insurance (EX) Task Force, and the Southeast Zone. He currently serves as a member of the IAIS Executive and Macroprudential committees. 

White received a Bachelor of Arts degree from the University of Virginia and a law degree from the University of Missouri. He and his wife, Jodi, have two grown daughters. 

Scott Kosnoff

Partner, Faegre Drinker

Trusted by industry and regulators alike, Scott helps insurance clients capitalize on opportunities and address regulatory and legal issues related to artificial intelligence, big data, and algorithms. He helps clients stay on top of the emerging standards and regulations that will govern AI. There’s a lot going on at every level. 

Scott helps clients implement a risk management framework and minimize their risk of regulatory, litigation, and reputational exposure. Effective risk management calls for a holistic, multi-disciplinary approach throughout the AI life cycle. Working with the firm’s data consulting subsidiary, Scott uses his firsthand knowledge of evolving regulatory standards to help insurers assess their algorithms for unintended discrimination. It’s important cutting-edge work. 

At the request of the NAIC, Scott has briefed the nation’s top insurance regulators regarding AI on multiple occasions, including in closed-door sessions. Most recently, he has briefed insurance regulators on how insurers can employ AI risk management and governance to mitigate their regulatory, litigation, and reputation risk.

Navrina Singh

CEO of Creedo AI

Navrina Singh is the Founder and CEO of Credo AI, an AI governance platform that empowers organizations to deliver and embed artificial intelligence responsibly by proactively measuring, monitoring and managing AI risks. Before founding Credo AI, Navrina spent nearly two decades building products in mobile, SaaS and AI at companies like Microsoft and Qualcomm. She is a member of the U.S. Department of Commerce National Artificial Intelligence Advisory Committee (NAIAC), which advises the President and the National AI Initiative Office, is also an AI expert at OECD, a young global leader with the World Economic Forum and served as an executive board member of Mozilla Foundation and Mozilla AI, supporting its trustworthy AI charter. Navrina has a Masters in Computer and electrical engineering from University of Wisconsin-Madison, an MBA from Marshall School of Business , University of Southern California, and a Bachelors in Electronics and Telecommunication engineering from India.

Michelle Rafeld

Executive Director of the Coalition Against Insurance Fraud

Michelle Rafeld is a respected insurance professional with a stellar career spanning over three decades. Michelle’s leadership experience and profound commitment to combating insurance fraud are well-known throughout the industry. Michelle held various leadership roles within her distinguished 32-year career with the state of Ohio; she’s most notably known for serving as the agency’s Fraud Director, a position she held from 2007 until she retired from state service in June 2023. An innovative and proactive problem solver, Michelle has effectively led local, state, and national collaborative efforts, leading to the successful implementation of industry and consumer protection programs. Michelle served as Vice-Chair of the Antifraud Task Force and Title Consumer Shopping Tools Working Group and chaired the Title Insurance Task Force, the Promoting Appropriate Sales Practices In The Sale of Life Insurance & Annuities Working Group, and the Antifraud Task Force Education & Enhancement Working Group. Furthermore, she represented the NAIC Antifraud Task Force in an advisory capacity on the Healthcare Fraud Prevention Partnership, the National Insurance Crime Bureau’s Law Enforcement Advisory Committee. In 2020, Michelle became the first woman appointed as the Coalition’s Public Interest Co-Chair. On Jan. 1, 2024, she made history again by becoming the first female Executive Director of the Coalition Against Insurance Fraud.

Michael Conway

Colorado Insurance Commissioner

Michael Conway was appointed Colorado Insurance Commissioner by Gov. Jared Polis on Dec. 21, 2018, and was confirmed to this position by the State Senate on Jan. 22, 2019. Before this, Conway served as interim commissioner, a position he was appointed to by Gov. Hickenlooper in January 2018. As Commissioner, Conway serves as the chief executive of the Division of Insurance and oversees the regulation of Colorado’s insurance industry. His role brings together consumers, the insurance industry, and other stakeholders to create an inclusive and fair regulatory approach to all lines of insurance such as auto, health, homeowners, life, title, and workers’ compensation. 

Prior to his appointment, Conway was the Division’s deputy commissioner for consumer and compliance services since March 2016. Before that, Conway was an assistant attorney general for the Colorado State Attorney General’s Office from 2010 to 2016, where he represented the Division of Insurance.

Ken McCullum

Executive Vice President and Chief Risk Officer at Principal

Ken McCullum is executive vice president and chief risk officer of Principal Financial Group®. He is responsible for
helping the company identify and successfully manage risk to deliver the best value to our customers,
employees, shareholders, and communities where we do business.

McCullum joined Principal in April 2015 as vice president and chief actuary. In September 2020, he was named
senior vice president and chief risk officer and was promoted to executive vice president and chief risk officer in
March 2023. Prior to joining the company, he served as executive vice president responsible for business
development and in force management at Delaware Life Insurance Company. Before Delaware Life, McCullum
was a senior vice president responsible for managing the life and annuity businesses at Sun Life. He helped lead
the transaction which created Delaware Life, when Sun Life sold its closed life and annuity blocks to a group of
private investors arranged by Guggenheim Partners. Earlier in his career McCullum spent 15 years with The
Hartford where he held several positions including leading their institutional investment products division and
chief actuary of their legacy holdings division.

McCullum earned his bachelor’s degree from Ball State University in Muncie, Indiana. He is currently a fellow of
the Society of Actuaries and a member of the American Academy of Actuaries. Additionally, he serves as
Chairman of the Board for By Degrees Foundation, Chairman of the Board for Principal Charity Classic, as an
interested director on the Board of Principal Funds, and recently joined the Drake Board of Trustees.

Josh Himes

SIU Director at Nationwide

Josh has been a part of Nationwide Insurance’s P&C organization for over two decades, and has held various positions in the Claims, Finance, and SIU departments. Currently, he is serving as a Director in the SIU unit, where he uses his extensive experience to guide fraud mitigation efforts through the use of data and analytics, process management, and financial oversight.

Jon Godfread

North Dakota Insurance Commissioner

Jon Godfread was elected North Dakota’s 22nd Insurance Commissioner in 2016 and re-elected in 2020. In service to the citizens of North Dakota, Godfread has prioritized consumer advocacy, ensuring North Dakotans are better aware of the services offered by the North Dakota Insurance Department beyond industry regulation. He has also worked to restructure the Insurance Department for efficient and effective use of tax-payer dollars, along with better utilization of staff talents. On a national level, Godfread has been an active voice in discussions about insurance regulations including the use of technology, air ambulance service, and health care reinsurance. Godfread serves as the president-elect of the National Association of Insurance Commissioners (NAIC). 

Prior to serving as Commissioner, Godfread was most recently Vice President of Governmental Affairs for the Greater North Dakota Chamber in Bismarck. His background also includes banking and professional athletics. He has held prominent roles in discussions around the Affordable Care Act (ACA), across-the-board tax reductions for North Dakotans, the creation of the North Dakota Outdoor Heritage Fund, K–12 education efforts, and more.

Godfread received his law and Master of Business Administration (MBA) degrees from the University of North Dakota in 2011. He earned his bachelor’s degree in business with honors from the University of Northern Iowa in 2005.

John Trovinger

Claim Management and Deep Fraud Investigation at Verisk

John draws on his background of extensive claim management and deep fraud investigation experience, as well as his knowledge of advanced analytics, to consult with clients as they seek to operationalize tech solutions, measure return on investment, and build their anti-fraud strategy. Prior to coming to Verisk, John worked for State Farm in claims for over 20 years, 18 of those years in various claim leadership roles, and managed assorted claim and project teams in multiple jurisdictions. John has spent 17 years in the anti-fraud arena working with special investigative teams. He holds a BS in management with an accounting minor. 

Grant Kvalheim

CEO and President at Athene USA

Grant Kvalheim is CEO & President of Athene USA and President of Athene Holding Ltd.  He previously served as the President of Athene Holding Ltd. from January 2011 until September 2015 before resuming the role in 

April 2022, served as the Chief Financial Officer from January 2011 until April 2013 and served as a director from January 2012 until February 2014.   Grant is responsible for leading the US operating companies with a focus on growth initiatives. Mr. Kvalheim became a Partner at Apollo with the merger of Athene and Apollo in January 2022 and serves as an observer on the Apollo Executive Committee.  

Prior to joining Athene, Grant was a senior executive of Barclays Capital (“Barclays”) from early 2001 to the end of 2007, becoming Co-President in September 2005. During his time at Barclays, he converted a European  investment grade credit business into a leading global credit franchise across both securitized and nonsecuritized credit products, and significantly expanded Barclays’ investment banking platform.  

Prior to joining Barclays, Grant held senior executive positions in the investment banks of Deutsche Bank and Merrill Lynch. 

Grant received his Bachelor of Arts degree in Economics from Claremont McKenna College and his Master of Business Administration in Finance from the University of Chicago. He currently serves on the board of directors of United Way of Central Iowa, Great Outdoors Foundation, SolHealth and Mottahedeh & Co., Inc. He served on the board of directors of the Permal Silk Road Fund from June 2008 to November 2012, United Way of 

Central Iowa from 2017 – 2023, LL Global 

(LIMRA/LOMA) from 2019 to 2021, and The Greater Des Moines Partnership in 2021.   

Doug Ommen

Iowa Insurance Commissioner

Doug Ommen was appointed by Gov. Terry Branstad as Iowa Insurance Commissioner in January 2017, after serving as Interim Commissioner since December 2016. Ommen has a strong and varied public service background. Ommen’s dedication and desire to serve the public began in seeking justice for victims of fraud in the Missouri Attorney General’s Office, where as an assistant attorney general and then as chief counsel, he led the fight to protect consumers over the course of three decades.

Ommen served as Deputy Insurance Commissioner at the Iowa Insurance Division from August 2013 to December 2016. Ommen also served in the Missouri Department of Insurance during 2005 to 2008 and as Missouri’s Insurance Director was instrumental for several key regulatory reforms.

Ommen obtained his law degree in 1985 from the Saint Louis University School of Law, and is licensed to practice law in both Iowa and Missouri. Ommen and his wife, Sharon, have two married children and seven grandchildren.

Dr. Doug Bujakowski

Associate Professor and Chair of School of Actuarial Science at Drake

Dr. Douglas Bujakowski is an Associate Professor and the Chair of the School of Actuarial Science and Risk Management at Drake University. He is also recognized as the Sammons Professor of Actuarial Science. He holds a Ph.D. in Risk and Insurance from the University of Wisconsin – Madison and is an Associate of the Society of Actuaries. Dr. Bujakowski’s research portfolio encompasses various areas within the actuarial field. His expertise lies in insurance market development, law and economics, and the application of longitudinal and spatial modeling techniques. 

Cindy Nelson

Certified Fraud Examiner at Grinnell Mutual Reinsurance

Cindy started working for Grinnell Mutual Reinsurance in August 2014 as their Fraud Specialist, after retiring as the Bureau Chief for the Iowa Insurance Fraud Bureau. The role of the Fraud Specialist is to develop, coordinate, and implement processes, procedures, and resources to investigate and evaluate potentially fraudulent activities related to claims, to determine if a legitimate claim exists, and eliminate waste and abuse. She is also responsible for creating and maintaining the corporate fraud plan and antifraud training.

Previously, in addition to her duties with the Iowa Insurance Fraud Bureau, Cindy served as Chair for the Technology and Information Sharing Committee for the Anti-Fraud task force for the NAIC and spoke internationally on the topics of money laundering, insurance fraud, and prescription drug diversion.

Cindy Nelson is a Certified Fraud Examiner and graduated from Drake University with a bachelor’s degree in Law Enforcement.

Andrew Mais

Connecticut Insurance Commissioner

Andrew N. Mais was nominated by Governor Ned Lamont to be Connecticut’s 33rd Insurance Commissioner. Mais is the National Association of Insurance Commissioners (NAIC) President for the 2024 term and has served on their Executive Committee since 2021. He currently serves on the International Relations, Property & Casualty, and Financial Regulation Standards committees. He also serves on the International Association of Insurance Supervisors (IAIS) Macroprudential and Executive Committees and on their Insurance Capital Standards Task Force.

The IAIS is the international standard-setting body responsible for developing and assisting in the supervision of the insurance sector.

Mais has led discussions in several forums on race, diversity, and inclusion at the state level and within the insurance industry and in insurance practices. He has also joined the efforts led by Governor Ned Lamont and Lt. Gov. Susan Bysiewicz to address social inequities in Connecticut, including the Council on Women and Girls and cultural competency initiatives.

Mais is also Co-Chair of the NAIC’s Special Executive Committee on Race and Insurance, charged with conducting research and analyzing issues of diversity and inclusion within the insurance sector. 

Mais previously was a member of Deloitte’s Center for Financial Services, providing industry-leading thought leadership and insight on US and international regulatory affairs.

Prior to that, he was a Director at the New York State Insurance Department. There he served four governors as part of the Department’s senior leadership team through numerous events including the financial crisis of 2008 and major state and federal changes in health insurance regulations and laws. 

Even outside the government, Mais dedicated much of his life to public service. He most recently served as chair of the Council on Ethics for the town of Wilton, CT, where he lives. Other recent service includes the Maritime Aquarium of Norwalk; the American Red Cross; the Board of Finance of the Town of Wilton; and the Rotary Club of Wilton.

Michael Bacon

Managing Director and Head of US Life & Health Globals at Swiss Re

Michael Bacon is Managing Director and Head of US Life & Health Globals. He is
accountable for delivery of SR capabilities to large, globally active L&H clients, including
both traditional cedants and non-traditional (re)insurers domiciled in Bermuda. Michael
is also accountable for transaction origination for US L&H clients.
Michael joined Swiss Re in 2016 as the Americas Head of Principal Investments &
Acquisitions, where he led mergers and acquisitions for Swiss Re’s business units and
managed a portfolio of minority equity investments in the insurance sector.
Prior to joining Swiss Re, Michael held leadership positions at AIG in M&A, corporate
development and strategy. Before that, he had client coverage, advisory, investment,
and structured finance responsibilities, including significant managerial responsibility,
at Goldman Sachs and Credit Suisse.
Michael earned a Master’s Degree in Business Administration from the Yale School of
Management and a Bachelor’s Degree in Computer Science from Brown University. He
is fluent in English and Spanish.
In his spare time, Michael enjoys competitive fencing, is ranked 2nd in the US, and
finished 18th at the 2023 Veteran World Championships.

Charlie Sidoti

Founder and Chief Executive of InnSure

Charlie Sidoti’s 35+ years in insurance includes underwriting, engineering and risk management-related leadership roles with P&C insurance carriers and experience leading risk assessment focused insurtech startups. Charlie is currently founder and chief executive of InnSure, a nonprofit innovation hub focused on catalyzing a bold insurance response to climate change.

Patricia Carreiro

Cybersecurity and Privacy Litigator

Trish Carreiro is an experienced cybersecurity and privacy litigator who advises clients on privacy, cybersecurity, and artificial intelligence. She is certified by the International Association of Privacy Professionals (IAPP) as a certified information privacy professional (CIPP/US), certified information privacy manager (CIPM), and fellow in information privacy (FIP), and is co-chair of the IAPP’s South Florida chapter.

Trish is experienced in high-stakes litigation and has particular depth of experience in:

  • Privacy and cybersecurity program management in highly regulated industries, such as insurance, health care, and financial services.
  • Privacy compliance for large retailers and other organizations seeking broad privacy compliance.
  • Proactive risk management regarding new and emerging technologies, such as artificial intelligence, website technologies, and digital advertising.

Trish serves as outside privacy and cybersecurity counsel to companies of all sizes, tailoring her advice to her clients’ particular legal needs and risk tolerance. Her clients range from Fortune 500 companies to small universities and health care startups.

As a recognized privacy and cybersecurity thought leader, Trish uses her litigation perspective to guide clients to both avoid, and effectively handle, privacy and cybersecurity litigation. Her insights have been featured in publications including Bloomberg Health Law & Business, Law360, Law.com, Corporate Counsel, Today’s General Counsel, InsideCounsel, The Cybersecurity Law Report, Data Breach Today, Health IT Security, Healthcare IT News, Healthcare Infosecurity, Life Annuity Specialist, Fierce Healthcare, Daily Business Review, Miami Herald, Dark Reading, STAT, and Tampa Bay Business Journal.

A frequent speaker and author, Trish has written dozens of articles on cutting-edge topics such as:

  • Class action breach litigation.
  • The use of big data, machine learning, and AI in the life insurance industry.
  • The health care industry’s use of health apps and wearable technology, and challenges surrounding HIPAA compliance for work-from-home and telehealth programs.

When COVID-19 struck, Trish was one of the first to begin writing about the privacy and cybersecurity challenges facing the health care industry, and how to navigate them. She has represented health care providers in class action breach litigation, executed data breach response for numerous health care providers, represented health care providers throughout post-breach Office for Civil Rights and attorneys general investigations, and drafted comprehensive HIPAA compliance programs for HIPAA-covered entities.

Trish’s experience with emerging technologies has developed into a niche practice in the life insurance industry. She has helped numerous life insurers navigate the morass of state and federal privacy laws to market their products in new and innovative ways, streamline their privacy compliance, adjust to changing laws, digitize their application process, increase consumer engagement, and apply new technologies and data to underwrite their risk. From drafting the necessary notices and consents, to developing the process for presenting and recording authorizations, Trish has used her expertise to help propel the insurance industry forward.

Her prior experience includes time with the U.S. Department of Justice Criminal Division’s Fraud Section, the U.S. Securities and Exchange Commission Division of Enforcement, the New York State Attorney General’s Medicaid Fraud Unit, and the Connecticut Commission on Human Rights and Opportunities. She is proficient in Spanish and Portuguese.

Trish is the chair of the firm’s Cybersecurity and Privacy Practice.

Jason Gould

Litigator

Jason Gould is an outcome-oriented, veteran class action litigator with more than 25 years of experience representing businesses nationally in connection with pre-litigation, litigation, and regulatory disputes. He counsels clients on class action and other lawsuits, administrative investigations and market conduct examinations, enforcement actions, and matters involving regulatory compliance.

Broadly known for his class action capabilities, Jason represents financial institutions and insurers in complex litigation and class action lawsuits, including major market conduct class actions, commercial contract litigation, and consumer fraud cases.

Jason has litigated in federal and state courts across the United States in matters involving unfair competition and deceptive trade practices claims, elder financial abuse related to life insurance and annuities, high-exposure punitive damages litigation, class actions involving sales to seniors, fixed and variable life insurance and annuity products, securities and consumer fraud, bad faith claims, and sales practices and post-sale administration of insurance and investment products.

In addition to litigation, Jason advises clients on regulatory compliance matters, litigation and regulatory risks, and litigation avoidance issues. These issues include those associated with sales and marketing practices, contracts, nonguaranteed benefit determinations (such as changes to cost-of-insurance rates), and e-discovery best practices, including document retention, metadata preservation, and technology-assisted reviews. Known for thinking outside the box and deploying his complex problem-solving skills, Jason has handled challenges ranging from cyber and privacy issues to SEC investigations to disgruntled employees.

Jason has extensive experience managing multidistrict litigation proceedings, as well as parallel civil and regulatory proceedings. He frequently defends clients against civil investigative demands, subpoenas, and proceedings brought by state insurance regulators and attorneys general, and assists clients with business practice reviews and litigation exposure analyses. He also represents insurance companies in administrative proceedings involving customer complaints and has extensive experience with broker-dealer regulatory and compliance issues, having served as lead counsel in numerous FINRA securities arbitrations.

Sean O'Brien

Insurance and Construction Law Attorney and Shareholder at Bradshaw, Fowler, Proctor & Fairgrave PC

Sean started his career in private practice with the Dickinson Bradshaw Law Firm in 1996.  Prior to joining the firm, he clerked for Justice David Harris of the Iowa Supreme Court.  Sean has also served as an adjunct professor in Drake University’s Undergraduate and MBA programs lecturing on business law.

Sean’s practice focuses on consulting with insurers on all aspects of catastrophic property loss claims.  He advises clients on first party and third party coverage issues.  He also defends insureds on liability claims or pursues subrogation.  These claims have involved a variety of issues such as arson, insurance fraud, construction defects, products liability, and bad faith.  Sean has developed a specific expertise in investigating and litigating claims arising from fires and explosions.  He has tried numerous cases to verdict in state and federal court and resolved matters through binding arbitration.  Sean also provides counsel to insurers on regulatory and corporate governance matters. 

Sean earned a B.A. with honors from Grinnell College in 1992 where he majored in economics.  He obtained his J.D. from the University of Iowa College of Law in 1995, graduating with distinction.  Sean has been admitted to practice law in Iowa and before the U.S. District Court, Northern District of Iowa; U.S. District Court, Southern District of Iowa; U.S. Court of Appeals, 8th Circuit; and the U.S. Supreme Court.  He maintains memberships in the National Association of Subrogation Professionals, American Bar Association, the Iowa State Bar Association, the Polk County Bar Association, the Iowa Defense Counsel Association (current board member), the Defense Research Institute, Inc., and the International Association of Arson Investigators (former Iowa Chapter board member).

Hareem Naveed

AVP of Integrated Analytics at Munich Re North American Life

Currently serving as the AVP of Integrated Analytics at Munich Re North American Life, Hareem Naveed began her career as a data scientist and has since built an area of practice developing and deploying innovative machine learning models to support point of sale underwriting. She holds a Master’s degree in Mathematics from the University of Toronto and was previously a Data Science for Social Good Fellow at the University of Chicago.

Dr. Shea Brown

CEO and Founder of BABL AI

Dr. Shea Brown, CEO and Founder of BABL AI: Shea is an internationally recognized leader in AI and algorithm auditing, bias in machine learning, and AI governance. He has testified and advised on numerous AI regulations in the US and EU. He is a Fellow at ForHumanity and a founding member of the International Association of Algorithmic Auditors, a community of practice that aims to advance and organize the algorithmic auditing profession, promote AI auditing standards, certify best practices and contribute to the emergence of Responsible AI.

Kathie Weber

Shareholder, Maynard Nexsen

Katharine has served as one of the primary outside counsel for a Fortune 500 insurance and financial services company, litigating and managing their cases (individual cases and class actions) throughout the United States. Representative matters include cost-of-insurance and unearned premium refund class actions, policy-dating litigation, broker disputes, and life insurance claims litigation. 

Katharine is among the elite 2019 BTI Client Service All-Stars, a select group of 335 attorneys identified by national corporate counsel. She was also named a Fellow of the Birmingham Bar Association in 2020. In 2004 she was inducted into the Association of Life Insurance Counsel. She was appointed Chair of the Corporate Section in that organization in 2006 and to a three-year term to the Board of Governors in 2008. She also has served on the membership committee and co-chaired the social activities for the group. 

Katharine is a frequent lecturer on life insurance trends and compliance. She is active in the Firm, serving as one of the Chairpersons of the Diversity and Inclusion Committee, a group she helped form in 2010. In 1989-90, after graduation from law school, Katharine clerked for the Honorable Emmett Ripley Cox of the United States Court of Appeals for the Eleventh Circuit.

Stuart Doyle

Principal - Risk Consulting

Stu Doyle is a Principal in the Consulting practice of Ernst & Young.  He is a leader who drives the overall risk and compliance agenda at financial service clients. He has experience leading complex engagements (Risk governance and ERM, operational, IT, informational security and compliance risk, and capital planning), as well as working with Boards of Directors on governance, risk management and regulatory topics. He also leads the US Insurance non-financial risk practice and is one of the leaders of EY’s Risk Governance initiatives.

Stu has led engagements with financial service organizations to assess, design, build and enhance their risk management and compliance programs. Stuart’s role specifically included leading phases of work focusing on governance and oversight, risk profiling and assessment, testing, monitoring, reporting and technology enablement.  He regularly led discussions with senior client personnel including the CFO, COO, CRO, CCO, CAE and line of business leaders to discuss current issues, necessary enhancements, and broader industry trends.

He continues to work across the industry to help organizations define their overarching risk management strategy, better align their non-financial risk programs, and drive improved efficiency and effectiveness through greater use of data and technology. In addition, focusing on topics to help organizations keep pace with business change including those related to technology modernization, Artificial Intelligence / Machine Learning, and sustainability.

Stu is certified in Chartered Financial Analyst (CFA) and Associate Professional Risk Manager (APRM), Stu holds a bachelor’s degree in business administration from the Ross School of Business.

Ben Bailey

Executive Leader of the Insurance Business Segment at JLL

Ben Bailey is JLL’s Executive Leader for the Insurance Business Segment. In this role he is responsible for client relationships, strategy and leadership of 400 JLL associates that manage 40M SF globally. He brings the latest thought leadership on industry trends, innovative solutions and strives to create an exceptional experience for all the clients within his segment. Before assuming his current role, Mr. Bailey was the Group Account Executive responsible for a portfolio of 15 client accounts across the Southeast United States. In this role he expanded regional business by a third while spearheading the region’s operational initiatives to develop talent and boost client satisfaction scores to 8.9/10. As an Account Director, Mr. Bailey led our Lenovo relationship delivering on key priorities by reducing portfolio vacancy 14.8% and capturing $23M in cost savings/avoidance over three years. He drove several strategic initiatives to improve business alignment while expanding the relationship to include new countries and services. Mr. Bailey also worked as Director of the Program Management team on our United Health Group account. There his team oversaw end-to-end delivery for the 20M+ Square foot portfolio. Again, he led numerous initiatives including the redesign of UHG’s project delivery for greater efficiency and scale. Mr. Bailey started his career with JLL in a Leadership Rotation Program based in San Francisco, CA. There he led multi-site programs, designed pilots for innovative facility service models and developed firm-recognized best practices. Prior to joining our organization, Mr. Bailey served in the US Navy as a Civil Engineer Corps Officer. His responsibilities included organizational leadership, project management and base facility operations. Mr. Bailey holds an MBA from the Kenan-Flagler Business School, University of North Carolina at Chapel Hill and a bachelor of civil engineering degree from the Catholic University of America. He serves as an Advisory Board Member and Guest Lecturer for North Carolina Central University’s Real Estate program and is the Executive Sponsor for JLL’s Black Professionals Network – Carolinas. He is also a LEED Accredited Professional and a Lean/Six Sigma Black Belt.

Reena Pally

Managing Director at MetLife

Reena Pally is a Managing Director at MetLife Investment Management in Real Estate Investments.  She is the portfolio manager of MetLife’s general account commercial mortgage loan portfolio.  Ms. Pally is a voting member of the Investment Committee and former Head of Portfolio Loan Surveillance. She received an MBA from the University of Southern California Marshall School of Business and a BS from New York University Stern School of Business.  Ms. Pally is a member of the Women’s Bond Club, a professional organization focused on women in finance.

Pat Hughes

Partner of Faegre Drinker

Pat Hughes is a strategic advisor, public policy advocate and regulatory attorney for insurance industry clients across all product lines and services. Clients turn to Pat when important regulatory, legislative and policy matters in various arenas create challenges or opportunities for their businesses. Leading the Government and Regulatory Strategy practice, he leverages a dynamic, multi-jurisdictional Faegre Drinker team that deploys proactive national and local regulatory and public policy strategies where clients’ needs are most complex and significant.

Pat is a former senior insurance regulator and state government attorney.  As chief legal counsel to the Office of the Governor in Illinois, he oversaw regulatory affairs and directed legal representation for 45 executive branch agencies and several hundred attorneys and outside counsel.  He also served as general counsel to the Department of Financial and Professional Regulation, which then included the Division of Insurance; and as special deputy receiver and CEO with the Office of the Special Deputy, administering the receiverships of 47 companies. While with the state, Pat chaired NAIC working groups on critical issues, including Dodd-Frank implementation and complex receivership oversight.

Kevin Farley

Vice President of Enterprise Worksite Services at Principal Financial Group

Kevin Farley is Vice President of Enterprise Worksite Services at Principal Financial Group®.  Kevin’s current responsibilities include leadership of the Property Solutions, Safety & Security, and Aviation capabilities that are utilized across the entire Principal enterprise.  In addition, Kevin serves on Principal’s ESG Task Force and is the head of the environmental working group that’s responsible for assessing the impact of Principal’s operations and investments on our ecosystem.

Kevin joined Principal® at the beginning of 2000.  Before assuming his current responsibilities, Kevin worked in the Retirement & Income Solutions and Benefits & Protection divisions in a wide variety of actuarial and management roles, including CFO.  Prior to joining Principal, Kevin worked at Minnesota Life, Deloitte, and Milliman where he was involved in pricing, experience analysis, reserving, and M&A activities for disability, life, and health insurance.

A native of St. Paul, Minnesota, Kevin received his bachelor’s degree in 1987 from Drake University in Des Moines, Iowa, and attained his designation as a Fellow of the Society of Actuaries in 1991.  Kevin and his wife, Suzanne, currently reside in West Des Moines, Iowa and are the proud parents of Kate, Nick and Hannah.  When away from work, Kevin enjoys traveling with his family and playing golf with friends.

Dr. Shea Brown

CEO and Founder of BABL AI

Dr. Shea Brown, CEO and Founder of BABL AI: Shea is an internationally recognized leader in AI and algorithm auditing, bias in machine learning, and AI governance. He has testified and advised on numerous AI regulations in the US and EU. He is a Fellow at ForHumanity and a founding member of the International Association of Algorithmic Auditors, a community of practice that aims to advance and organize the algorithmic auditing profession, promote AI auditing standards, certify best practices and contribute to the emergence of Responsible AI.

Navrina Singh

CEO of Creedo AI

Navrina Singh is the Founder and CEO of Credo AI, an AI governance platform that empowers organizations to deliver and embed artificial intelligence responsibly by proactively measuring, monitoring and managing AI risks. Before founding Credo AI, Navrina spent nearly two decades building products in mobile, SaaS and AI at companies like Microsoft and Qualcomm. She is a member of the U.S. Department of Commerce National Artificial Intelligence Advisory Committee (NAIAC), which advises the President and the National AI Initiative Office, is also an AI expert at OECD, a young global leader with the World Economic Forum and served as an executive board member of Mozilla Foundation and Mozilla AI, supporting its trustworthy AI charter. Navrina has a Masters in Computer and electrical engineering from University of Wisconsin-Madison, an MBA from Marshall School of Business , University of Southern California, and a Bachelors in Electronics and Telecommunication engineering from India.

Hareem Naveed

AVP of Integrated Analytics at Munich Re North American Life

Currently serving as the AVP of Integrated Analytics at Munich Re North American Life, Hareem Naveed began her career as a data scientist and has since built an area of practice developing and deploying innovative machine learning models to support point of sale underwriting. She holds a Master’s degree in Mathematics from the University of Toronto and was previously a Data Science for Social Good Fellow at the University of Chicago.

Scott Kosnoff

Partner, Faegre Drinker

Trusted by industry and regulators alike, Scott helps insurance clients capitalize on opportunities and address regulatory and legal issues related to artificial intelligence, big data, and algorithms. He helps clients stay on top of the emerging standards and regulations that will govern AI. There’s a lot going on at every level. 

Scott helps clients implement a risk management framework and minimize their risk of regulatory, litigation, and reputational exposure. Effective risk management calls for a holistic, multi-disciplinary approach throughout the AI life cycle. Working with the firm’s data consulting subsidiary, Scott uses his firsthand knowledge of evolving regulatory standards to help insurers assess their algorithms for unintended discrimination. It’s important cutting-edge work. 

At the request of the NAIC, Scott has briefed the nation’s top insurance regulators regarding AI on multiple occasions, including in closed-door sessions. Most recently, he has briefed insurance regulators on how insurers can employ AI risk management and governance to mitigate their regulatory, litigation, and reputation risk.

Dr. Doug Bujakowski

Associate Professor and Chair of School of Actuarial Science at Drake

Dr. Douglas Bujakowski is an Associate Professor and the Chair of the School of Actuarial Science and Risk Management at Drake University. He is also recognized as the Sammons Professor of Actuarial Science. He holds a Ph.D. in Risk and Insurance from the University of Wisconsin – Madison and is an Associate of the Society of Actuaries. Dr. Bujakowski’s research portfolio encompasses various areas within the actuarial field. His expertise lies in insurance market development, law and economics, and the application of longitudinal and spatial modeling techniques. 

Charlie Sidoti

Founder and Chief Executive of InnSure

Charlie Sidoti’s 35+ years in insurance includes underwriting, engineering and risk management-related leadership roles with P&C insurance carriers and experience leading risk assessment focused insurtech startups. Charlie is currently founder and chief executive of InnSure, a nonprofit innovation hub focused on catalyzing a bold insurance response to climate change.

Ken McCullum

Executive Vice President and Chief Risk Officer at Principal

Ken McCullum is executive vice president and chief risk officer of Principal Financial Group®. He is responsible for
helping the company identify and successfully manage risk to deliver the best value to our customers,
employees, shareholders, and communities where we do business.

McCullum joined Principal in April 2015 as vice president and chief actuary. In September 2020, he was named
senior vice president and chief risk officer and was promoted to executive vice president and chief risk officer in
March 2023. Prior to joining the company, he served as executive vice president responsible for business
development and in force management at Delaware Life Insurance Company. Before Delaware Life, McCullum
was a senior vice president responsible for managing the life and annuity businesses at Sun Life. He helped lead
the transaction which created Delaware Life, when Sun Life sold its closed life and annuity blocks to a group of
private investors arranged by Guggenheim Partners. Earlier in his career McCullum spent 15 years with The
Hartford where he held several positions including leading their institutional investment products division and
chief actuary of their legacy holdings division.

McCullum earned his bachelor’s degree from Ball State University in Muncie, Indiana. He is currently a fellow of
the Society of Actuaries and a member of the American Academy of Actuaries. Additionally, he serves as
Chairman of the Board for By Degrees Foundation, Chairman of the Board for Principal Charity Classic, as an
interested director on the Board of Principal Funds, and recently joined the Drake Board of Trustees.

Scott White

Commissioner of Insurance at Virginia State Corporation

Scott A. White was appointed Commissioner of Insurance of the Virginia State Corporation Commission’s Bureau of Insurance in 2018. He was elected NAIC vice president in December 2023. 

White joined the Bureau as a research analyst in 1998. From 1999 until 2011, he worked as an attorney advising the bureau on all major insurance regulatory and compliance matters. In 2011, he became the head of the commission’s financial services legal division, expanding his practice areas to include securities and banking. 

White has chaired the Financial Condition (E) Committee, the Long-Term Care Insurance (EX) Task Force, and the Southeast Zone. He currently serves as a member of the IAIS Executive and Macroprudential committees. 

White received a Bachelor of Arts degree from the University of Virginia and a law degree from the University of Missouri. He and his wife, Jodi, have two grown daughters. 

Michael Conway

Colorado Insurance Commissioner

Michael Conway was appointed Colorado Insurance Commissioner by Gov. Jared Polis on Dec. 21, 2018, and was confirmed to this position by the State Senate on Jan. 22, 2019. Before this, Conway served as interim commissioner, a position he was appointed to by Gov. Hickenlooper in January 2018. As Commissioner, Conway serves as the chief executive of the Division of Insurance and oversees the regulation of Colorado’s insurance industry. His role brings together consumers, the insurance industry, and other stakeholders to create an inclusive and fair regulatory approach to all lines of insurance such as auto, health, homeowners, life, title, and workers’ compensation. 

Prior to his appointment, Conway was the Division’s deputy commissioner for consumer and compliance services since March 2016. Before that, Conway was an assistant attorney general for the Colorado State Attorney General’s Office from 2010 to 2016, where he represented the Division of Insurance.

Jon Godfread

North Dakota Insurance Commissioner

Jon Godfread was elected North Dakota’s 22nd Insurance Commissioner in 2016 and re-elected in 2020. In service to the citizens of North Dakota, Godfread has prioritized consumer advocacy, ensuring North Dakotans are better aware of the services offered by the North Dakota Insurance Department beyond industry regulation. He has also worked to restructure the Insurance Department for efficient and effective use of tax-payer dollars, along with better utilization of staff talents. On a national level, Godfread has been an active voice in discussions about insurance regulations including the use of technology, air ambulance service, and health care reinsurance. Godfread serves as the president-elect of the National Association of Insurance Commissioners (NAIC). 

Prior to serving as Commissioner, Godfread was most recently Vice President of Governmental Affairs for the Greater North Dakota Chamber in Bismarck. His background also includes banking and professional athletics. He has held prominent roles in discussions around the Affordable Care Act (ACA), across-the-board tax reductions for North Dakotans, the creation of the North Dakota Outdoor Heritage Fund, K–12 education efforts, and more.

Godfread received his law and Master of Business Administration (MBA) degrees from the University of North Dakota in 2011. He earned his bachelor’s degree in business with honors from the University of Northern Iowa in 2005.

Andrew Mais

Connecticut Insurance Commissioner

Andrew N. Mais was nominated by Governor Ned Lamont to be Connecticut’s 33rd Insurance Commissioner. Mais is the National Association of Insurance Commissioners (NAIC) President for the 2024 term and has served on their Executive Committee since 2021. He currently serves on the International Relations, Property & Casualty, and Financial Regulation Standards committees. He also serves on the International Association of Insurance Supervisors (IAIS) Macroprudential and Executive Committees and on their Insurance Capital Standards Task Force.

The IAIS is the international standard-setting body responsible for developing and assisting in the supervision of the insurance sector.

Mais has led discussions in several forums on race, diversity, and inclusion at the state level and within the insurance industry and in insurance practices. He has also joined the efforts led by Governor Ned Lamont and Lt. Gov. Susan Bysiewicz to address social inequities in Connecticut, including the Council on Women and Girls and cultural competency initiatives.

Mais is also Co-Chair of the NAIC’s Special Executive Committee on Race and Insurance, charged with conducting research and analyzing issues of diversity and inclusion within the insurance sector. 

Mais previously was a member of Deloitte’s Center for Financial Services, providing industry-leading thought leadership and insight on US and international regulatory affairs.

Prior to that, he was a Director at the New York State Insurance Department. There he served four governors as part of the Department’s senior leadership team through numerous events including the financial crisis of 2008 and major state and federal changes in health insurance regulations and laws. 

Even outside the government, Mais dedicated much of his life to public service. He most recently served as chair of the Council on Ethics for the town of Wilton, CT, where he lives. Other recent service includes the Maritime Aquarium of Norwalk; the American Red Cross; the Board of Finance of the Town of Wilton; and the Rotary Club of Wilton.

Pat Hughes

Partner of Faegre Drinker

Pat Hughes is a strategic advisor, public policy advocate and regulatory attorney for insurance industry clients across all product lines and services. Clients turn to Pat when important regulatory, legislative and policy matters in various arenas create challenges or opportunities for their businesses. Leading the Government and Regulatory Strategy practice, he leverages a dynamic, multi-jurisdictional Faegre Drinker team that deploys proactive national and local regulatory and public policy strategies where clients’ needs are most complex and significant.

Pat is a former senior insurance regulator and state government attorney.  As chief legal counsel to the Office of the Governor in Illinois, he oversaw regulatory affairs and directed legal representation for 45 executive branch agencies and several hundred attorneys and outside counsel.  He also served as general counsel to the Department of Financial and Professional Regulation, which then included the Division of Insurance; and as special deputy receiver and CEO with the Office of the Special Deputy, administering the receiverships of 47 companies. While with the state, Pat chaired NAIC working groups on critical issues, including Dodd-Frank implementation and complex receivership oversight.

Cindy Nelson

Certified Fraud Examiner at Grinnell Mutual Reinsurance

Cindy started working for Grinnell Mutual Reinsurance in August 2014 as their Fraud Specialist, after retiring as the Bureau Chief for the Iowa Insurance Fraud Bureau. The role of the Fraud Specialist is to develop, coordinate, and implement processes, procedures, and resources to investigate and evaluate potentially fraudulent activities related to claims, to determine if a legitimate claim exists, and eliminate waste and abuse. She is also responsible for creating and maintaining the corporate fraud plan and antifraud training.

Previously, in addition to her duties with the Iowa Insurance Fraud Bureau, Cindy served as Chair for the Technology and Information Sharing Committee for the Anti-Fraud task force for the NAIC and spoke internationally on the topics of money laundering, insurance fraud, and prescription drug diversion.

Cindy Nelson is a Certified Fraud Examiner and graduated from Drake University with a bachelor’s degree in Law Enforcement.

Josh Himes

SIU Director at Nationwide

Josh has been a part of Nationwide Insurance’s P&C organization for over two decades, and has held various positions in the Claims, Finance, and SIU departments. Currently, he is serving as a Director in the SIU unit, where he uses his extensive experience to guide fraud mitigation efforts through the use of data and analytics, process management, and financial oversight.

John Trovinger

Claim Management and Deep Fraud Investigation at Verisk

John draws on his background of extensive claim management and deep fraud investigation experience, as well as his knowledge of advanced analytics, to consult with clients as they seek to operationalize tech solutions, measure return on investment, and build their anti-fraud strategy. Prior to coming to Verisk, John worked for State Farm in claims for over 20 years, 18 of those years in various claim leadership roles, and managed assorted claim and project teams in multiple jurisdictions. John has spent 17 years in the anti-fraud arena working with special investigative teams. He holds a BS in management with an accounting minor. 

Michelle Rafeld

Executive Director of the Coalition Against Insurance Fraud

Michelle Rafeld is a respected insurance professional with a stellar career spanning over three decades. Michelle’s leadership experience and profound commitment to combating insurance fraud are well-known throughout the industry. Michelle held various leadership roles within her distinguished 32-year career with the state of Ohio; she’s most notably known for serving as the agency’s Fraud Director, a position she held from 2007 until she retired from state service in June 2023. An innovative and proactive problem solver, Michelle has effectively led local, state, and national collaborative efforts, leading to the successful implementation of industry and consumer protection programs. Michelle served as Vice-Chair of the Antifraud Task Force and Title Consumer Shopping Tools Working Group and chaired the Title Insurance Task Force, the Promoting Appropriate Sales Practices In The Sale of Life Insurance & Annuities Working Group, and the Antifraud Task Force Education & Enhancement Working Group. Furthermore, she represented the NAIC Antifraud Task Force in an advisory capacity on the Healthcare Fraud Prevention Partnership, the National Insurance Crime Bureau’s Law Enforcement Advisory Committee. In 2020, Michelle became the first woman appointed as the Coalition’s Public Interest Co-Chair. On Jan. 1, 2024, she made history again by becoming the first female Executive Director of the Coalition Against Insurance Fraud.

Grant Kvalheim

CEO and President at Athene USA

Grant Kvalheim is CEO & President of Athene USA and President of Athene Holding Ltd.  He previously served as the President of Athene Holding Ltd. from January 2011 until September 2015 before resuming the role in 

April 2022, served as the Chief Financial Officer from January 2011 until April 2013 and served as a director from January 2012 until February 2014.   Grant is responsible for leading the US operating companies with a focus on growth initiatives. Mr. Kvalheim became a Partner at Apollo with the merger of Athene and Apollo in January 2022 and serves as an observer on the Apollo Executive Committee.  

Prior to joining Athene, Grant was a senior executive of Barclays Capital (“Barclays”) from early 2001 to the end of 2007, becoming Co-President in September 2005. During his time at Barclays, he converted a European  investment grade credit business into a leading global credit franchise across both securitized and nonsecuritized credit products, and significantly expanded Barclays’ investment banking platform.  

Prior to joining Barclays, Grant held senior executive positions in the investment banks of Deutsche Bank and Merrill Lynch. 

Grant received his Bachelor of Arts degree in Economics from Claremont McKenna College and his Master of Business Administration in Finance from the University of Chicago. He currently serves on the board of directors of United Way of Central Iowa, Great Outdoors Foundation, SolHealth and Mottahedeh & Co., Inc. He served on the board of directors of the Permal Silk Road Fund from June 2008 to November 2012, United Way of 

Central Iowa from 2017 – 2023, LL Global 

(LIMRA/LOMA) from 2019 to 2021, and The Greater Des Moines Partnership in 2021.   

Ben Bailey

Executive Leader of the Insurance Business Segment at JLL

Ben Bailey is JLL’s Executive Leader for the Insurance Business Segment. In this role he is responsible for client relationships, strategy and leadership of 400 JLL associates that manage 40M SF globally. He brings the latest thought leadership on industry trends, innovative solutions and strives to create an exceptional experience for all the clients within his segment. Before assuming his current role, Mr. Bailey was the Group Account Executive responsible for a portfolio of 15 client accounts across the Southeast United States. In this role he expanded regional business by a third while spearheading the region’s operational initiatives to develop talent and boost client satisfaction scores to 8.9/10. As an Account Director, Mr. Bailey led our Lenovo relationship delivering on key priorities by reducing portfolio vacancy 14.8% and capturing $23M in cost savings/avoidance over three years. He drove several strategic initiatives to improve business alignment while expanding the relationship to include new countries and services. Mr. Bailey also worked as Director of the Program Management team on our United Health Group account. There his team oversaw end-to-end delivery for the 20M+ Square foot portfolio. Again, he led numerous initiatives including the redesign of UHG’s project delivery for greater efficiency and scale. Mr. Bailey started his career with JLL in a Leadership Rotation Program based in San Francisco, CA. There he led multi-site programs, designed pilots for innovative facility service models and developed firm-recognized best practices. Prior to joining our organization, Mr. Bailey served in the US Navy as a Civil Engineer Corps Officer. His responsibilities included organizational leadership, project management and base facility operations. Mr. Bailey holds an MBA from the Kenan-Flagler Business School, University of North Carolina at Chapel Hill and a bachelor of civil engineering degree from the Catholic University of America. He serves as an Advisory Board Member and Guest Lecturer for North Carolina Central University’s Real Estate program and is the Executive Sponsor for JLL’s Black Professionals Network – Carolinas. He is also a LEED Accredited Professional and a Lean/Six Sigma Black Belt.

Reena Pally

Managing Director at MetLife

Reena Pally is a Managing Director at MetLife Investment Management in Real Estate Investments.  She is the portfolio manager of MetLife’s general account commercial mortgage loan portfolio.  Ms. Pally is a voting member of the Investment Committee and former Head of Portfolio Loan Surveillance. She received an MBA from the University of Southern California Marshall School of Business and a BS from New York University Stern School of Business.  Ms. Pally is a member of the Women’s Bond Club, a professional organization focused on women in finance.

Kevin Farley

Vice President of Enterprise Worksite Services at Principal Financial Group

Kevin Farley is Vice President of Enterprise Worksite Services at Principal Financial Group®.  Kevin’s current responsibilities include leadership of the Property Solutions, Safety & Security, and Aviation capabilities that are utilized across the entire Principal enterprise.  In addition, Kevin serves on Principal’s ESG Task Force and is the head of the environmental working group that’s responsible for assessing the impact of Principal’s operations and investments on our ecosystem.

Kevin joined Principal® at the beginning of 2000.  Before assuming his current responsibilities, Kevin worked in the Retirement & Income Solutions and Benefits & Protection divisions in a wide variety of actuarial and management roles, including CFO.  Prior to joining Principal, Kevin worked at Minnesota Life, Deloitte, and Milliman where he was involved in pricing, experience analysis, reserving, and M&A activities for disability, life, and health insurance.

A native of St. Paul, Minnesota, Kevin received his bachelor’s degree in 1987 from Drake University in Des Moines, Iowa, and attained his designation as a Fellow of the Society of Actuaries in 1991.  Kevin and his wife, Suzanne, currently reside in West Des Moines, Iowa and are the proud parents of Kate, Nick and Hannah.  When away from work, Kevin enjoys traveling with his family and playing golf with friends.