MONDAY, MAY 14 2018May 14, 2018 · • Marianne Harrison, President and Chief Executive Officer, John Hancock • JoAnn M. Martin, Chief Executive Officer, Ameritas Insurance company

MONDAY, MAY 14 2018 COLUMBIA 5-8, TERRACE LEVEL

REGISTRATION CHECK-INWELCOME BREAKFAST

8:00 AM- TERRACE FOYER EAST

- COLUMBIA FOYER

NAIC PRESIDENT’S WELCOME 9:00 AM• Introduction by Katharine L. Wade, International Insurance Relations (G) Committee Chair

and Commissioner, Connecticut Insurance Department• Julie Mix McPeak, NAIC President and Commissioner, Tennessee Department of Commerce &

Insurance

MAY 14-15, 2018

WASHINGTON HILTON

1919 CONNECTICUT AVENUE, NW

WASHINGTON D.C. 20009

Moderator: David Altmaier Commissioner, Florida Office of Insurance Regulation

• Ruwan Jayasekera, Head of Division, Insurance Division, Cayman Islands Monetary Authority• Hiroshi Ota, Deputy Commissioner for International Affairs, Financial Services Agency of

Japan• Rowan Douglas, Chief Executive Officer, Capital Science & Policy Practice, Willis Towers

Watson• John Huff, President & Chief Executive Officer, Association of Bermuda Insurers and

Reinsurers (ABIR)• Peter Kochenburger, Deputy Director, Insurance Law Center, University of Connecticut Law

School

THE ROLE OF INSURANCE & REINSURANCEIN DISASTER RISK MANAGEMENT

9:15 AM

Devastation wrought by natural disasters is increasingly a fact of life for many regions of theglobe. Insurers, reinsurers, and supervisors are on the frontlines managing risk and protecting policyholders, both before and after disaster strikes. Insurance plays a critical role in the fi-nancial management of disaster risk, yet practices to managing these risks differ globally and penetration levels vary. Panelists will discuss the challenges to enhancing the level of financial protection provided by insurance – including new risk management strategies – and the role of insurance regulators and insurers in raising awareness of the potential benefits of insurance.

COFFEE BREAK 10:45 AM

2

TRANSFORMING INSURANCE IN THE 21ST CENTURY: A C-SUITE PERSPECTIVE

11:15 AM

Moderator: Julie Mix McPeak NAIC President and Commissioner, Tennessee Department of Commerce & Insurance

• Dame Inga Beale, Chief Executive Officer, Lloyd’s• Marianne Harrison, President and Chief Executive Officer, John Hancock• JoAnn M. Martin, Chief Executive Officer, Ameritas

Insurance company executives have unique and valuable insight into the major issues con-fronting the insurance industry today. Cybersecurity, capital standards, political and regu-latory developments, aging populations, and the role of global standard-setting are but a handful of topics companies confront requiring the keen eye of the C-Suite. Through the view-point of insurance company executives, panelists will offer their take on these issues, fore-casting the potential impact for multinational insurers operating in a global environment.

INTERNATIONAL INSURANCE FORUM

© 2018 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS

ONE-ON-ONE WITH JONATHAN DIXON 1:30 PM

A chat with Jonathan Dixon, Secretary General, International Association of Insurance Supervisors (IAIS)

Interviewer: Michael F. Consedine, Chief Executive Officer, NAIC

LUNCH 12:30 PMCOLUMBIA FOYER

3 INTERNATIONAL INSURANCE FORUM


BREAK 3:30 PM

THE ROLE OF INSURANCE IN EMERGING MARKETS

2:15 PM

Moderator: Gordon I. Ito NAIC Secretary-Treasurer and Commissioner, Hawaii Department of Commerce & Consumer Affairs Insurance Division

• Peter Braumüller, FMA, Austria, Chair of the A2ii Governing Council• José Gerardo López Hoyo, Vice President of Sectoral Studies and Analysis, CNSF, Mexico and

Chair, Implementation and Assessment Committee, IAIS• Patrick Graham, Chief Executive Officer, Asia, Cigna• Brendan Plessis, Executive Vice President - Head of Emerging Markets, XL Catlin

Jurisdictions with emerging insurance markets often have young populations, utilize innova-

tive methods of reaching consumers, and attract global insurers looking to expand in footprint.

These are all certainly opportunities and offer tremendous growth for regions with currently low

insurance penetration. Challenges – such as lack of access to information, poverty, and

developing regulatory states – of course remain, and must be addressed to maximize growth.

Panelists will discuss strategies regulators and industry can wield to confront these challeng-

es, while highlighting practices adopted by emerging jurisdictions to meet consumer needs.



BUILDING MOMENTUM FOR DIGITAL DISRUPTION IN INSURANCE

4:00 PM

FinTech – that all-encompassing term to describe recent technological innovations impacting the fi-nancial sector – is forcing regulators and insurers to rethink nearly every aspect of the industry, from marketing to underwriting, product development to distribution methods. From marketing to under-writing, product development to distribution methods. While there are many reasons to be hopeful these innovations will yield many benefits for consumers, saving time and potentially reducing risk, regulators need to ensure they understand how these new technologies work. Panelists will consider how jurisdictions and companies are approaching FinTech, whether regulatory “sandboxes” are need-ed to encourage innovation, and the role global standard-setting might play in these developments.

Moderator: Raymond G. Farmer NAIC Vice President and Director, South Carolina Department of Insurance

• Andrew Candland, Head of Division, Insurance Supervision Directorate, Central Bank of Ireland

• Peggy Fu, Associate Director, Market Conduct, Hong Kong Insurance Authority• Ryan Evans, Chief Operating Officer, Hartford InsurTech Hub• Sonja Larkin-Thorne, Consumer Advocate• Mojgan Lefebvre, Senior Vice President and Chief Information Officer, Liberty Mutual Global

Specialty

Superintendent Juan PazoSuperintendencia de Seguros de la Nacion, Argentina

G20 INSURANCE FORUM PREVIEW 5:30 PM

WRAP UP 5:35 PM

COCKTAIL RECEPTION

5:40 PMHEIGHTS COURTYARD WEST, LOBBY LEVEL



TUESDAY, MAY 15 2018 COLUMBIA 5-8, TERRACE LEVEL

FEATURED SPEAKER

Antony Phillipson Her Majesty’s Trade Commissioner for North America, United Kingdom

9:00 AM

REGISTRATION CHECK-INWELCOME BREAKFAST

8:00 AM- TERRACE FOYER EAST

- COLUMBIA FOYER

Moderator: Peter L. Hartt Director of Insurance, New Jersey Department of Banking and Insurance

• Alberto Corinti, Member of the Board of Directors of IVASS and Chair, Macroprudential Committee, IAIS

• Victoria Saporta, Executive Director of Prudential Policy Directorate of the Bank of England and Chair, IAIS Executive Committee

• Tom Sullivan, Associate Director, Federal Reserve Board• Ann Kappler, Senior Vice President, Deputy General Counsel and Head of External Affairs,

Prudential Financial• Pooja Rahman, Head of Financial Risk, New York Life Insurance Company

ENHANCING SYSTEMIC RISK REGULATION THROUGH MACROPRUDENTIAL POLICY TOOLS

9:35 AM

With the IAIS and FSB moving towards an activities-based approach (ABA) to systemic risk designation and away from evaluating systemic risk through an entity-based lens, regulators may con-sider new strategies to the holistic monitoring of systemic risk, such as that being developed at the NAIC. Industry is encouraged to take a close look at its role in systemic risk, as well as the contribu-tions it can make to the development of prudent regulatory measures. Panelists will discuss how an ABA approach could be implemented and the role for macroprudential tools in enhancing supervision.



Moderator: Eric A. Cioppa NAIC President-Elect and Superintendent, Maine Bureau of Insurance

• Maria T. Vullo, Superintendent, New York Department of Financial Services• Manuel Venegas Muggli, Analyst, Insurance Regulation Division, Financial Markets

Commission of Chile• Dr. Frank Grund, Chief Executive Director, Insurance and Pension Funds Supervision, Federal

Financial Supervisory Authority (BaFin)• Birny Birnbaum, Executive Director, Center for Economic Justice• Elizabeth A. Ward, Executive Vice President, Chief Financial Officer and Chief Actuary,

MassMutual

WRAP UP 1:00 PM

HOW BIG DATA IS CHANGING THE INSURANCE INDUSTRY

11:30 AM

The use of Big Data by the insurance industry is a growing trend; it promises to contribute to more accurate underwriting of risk, lowering premiums for many consumers and strength-ening the diversity of products. Supervisors, however, are aware that Big Data has the poten-tial to make insurance less affordable or available for others, by segmenting risk or pick-ing “winners” and “losers.” Panelists will share perspectives on the growth of Big Data, focusing on how it is changing industry practices, the extent to which consumers are being impacted by its use, and what regulators see as the proper regulatory approach to this trend.

BREAK 11:00 AM

2018

NAIC INTERNATIONAL

INSURANCE FORUM

Speaker Profiles

Julie Mix McPeak NAIC President and Commissioner, Tennessee Department of Commerce & Insurance

Commissioner Julie Mix McPeak was appointed to lead the Tennessee Department of Commerce & Insurance by Governor Bill Haslam in January 2011. Before being appointed in Tennessee, she served as the Executive Director of the Kentucky Office of Insurance (KOI). McPeak, who brings more than 20 years of legal and administrative experience in state government, is the first woman to serve as chief insurance regulator in more than one state. Her leadership as Commissioner garnered recognition from Business Insurance Magazine which honored her as one of the 2013 Women to Watch.

In January 2018, McPeak became President of the National Association of Insurance Commissioners (NAIC). An active NAIC participant for nearly 20 years, McPeak has served on the NAIC’s Executive Committee since 2013. She was elected in November 2015 as NAIC Secretary-Treasurer and elected NAIC Vice President in February 2016. In December 2016, she was elected NAIC President-Elect. McPeak is also an Executive Committee member of the International Association of Insurance Supervisors (IAIS).

McPeak received her J.D. from the University of Louisville, School of Law in 1994. She is a 1990 graduate of the University of Kentucky, where she received her B.B.A., With Distinction, in Marketing.

Katharine L. Wade NAIC International Insurance Relations (G) Committee Chair and Commissioner, Connecticut Insurance Department

Katharine L. Wade was appointed Connecticut’s 32nd Insurance Commissioner by Governor Dannel P. Malloy on March 20, 2015. Wade has more than 20 years of industry experience in the fields of public policy, regulatory compliance, consumer education and outreach.

Under Wade’s leadership, the Department continues to be active in international and national regulatory discussions to ensure a competitive industry and a robust market for consumers. The Department is the lead regulator on six supervisory colleges—a regulatory collaboration among state and international insurance regulators to assess the financial health and risks of our Connecticut-based companies.

A member of the Executive and Financial Stability and Technical Committees of the International Association of Insurance Supervisors (IAIS), Wade also sits on the U.S. Department of the Treasury’s Federal Advisory Committee on Insurance, which provides recommendations to the Federal Insurance Office (FIO) on a periodic basis.

2018 NAIC International Forum 7

Michael F. Consedine Chief Executive Officer, NAIC

Michael F. Consedine has spent his entire career in the insurance industry as an attorney, regulator, and executive. Before joining the NAIC in January 2017, Consedine served as the Global Head of Government and Policy Affairs at Aegon, one of the world's largest financial services companies with operations in 20 countries serving more than 30 million customers. Most notably, Consedine served as the Insurance Commissioner for the Commonwealth of Pennsylvania from 2011 to 2015, during which he was elected to serve as NAIC Secretary-Treasurer, Vice President and President-Elect.


The Role of Insurance and Reinsurance in Disaster Risk

Management

MODERATOR

David Altmaier Commissioner, Florida Office of Insurance Regulation

PANEL

Ruwan Jayasekera

Head of Division, Insurance Division, Cayman Islands Monetary Authority (CIMA)

Hiroshi Ota

Deputy Commissioner for International Affairs, Financial Services Agency of Japan

Rowan Douglas

Chief Executive Officer, Capital Science & Policy Practice, Willis Towers Watson

John Huff President & Chief Executive Officer, Association of Bermuda Insurers and

Reinsurers (ABIR)

Peter Kochenburger Deputy Director, Insurance Law Center, University of Connecticut Law School


David Altmaier Commissioner, Florida Office of Insurance Regulation

David Altmaier was appointed as Florida’s Insurance Commissioner on April 29, 2016, by the Financial Services Commission. He leads a 289-member team at the Office of Insurance Regulation (Office) overseeing a complex insurance marketplace in a state with one of the highest catastrophe exposures for hurricanes.

Altmaier joined the Office in 2008, serving in various roles within the property and casualty business unit. These included Chief Analyst, Director of Property & Casualty Financial Oversight and Deputy Commissioner of Property and Casualty Insurance.

Beginning in 2018, Altmaier was named chair of the National Association of Insurance Commissioners’ Financial Condition (E) Committee.

Prior to joining the Office, Altmaier worked as a Florida licensed 2-20 and 2-14 insurance agent and high school math teacher. He is a 2004 alumnus of Western Kentucky University, where he received a Bachelor of Science degree in Mathematics.

Ruwan Jayasekera Head of Division, Insurance Division, Cayman Islands Monetary Authority (CIMA)

Ruwan Jayasekera has served as Head of the Insurance Division since July 2016. He first joined the Insurance Division at Cayman Islands Monetary Authority (CIMA) in April 2007 as a Senior Analyst and was later promoted as a Chief Analyst, Deputy Head and Acting Head of Insurance Division prior to his appointment in July 2017.

Jayasekera is responsible and accountable for the supervision of over 800 insurance related entities; assessing and making recommendations with respect to new applicants; planning and directing a program of monitoring and inspections of licensees; assessing and making recommendations for enforcement actions; liaising with industry associations and licensees to inform of sector specific trends and issues.

Jayasekera started his career in the insurance industry soon after graduating from the University of Colombo, Sri Lanka, in 1998. He has close to twenty years of experience in insurance, in both regulatory and industry roles. He has experience working for life and property and casualty insurers, including at Allianz Insurance Lanka Ltd. He holds a Master’s degree in Business Administration and a Bachelor’s degree in Statistics, both from the University of Colombo, Sri Lanka. He is also a Chartered Insurer and holds Associate designation from the Chartered Insurance Institute, United Kingdom.


Hiroshi Ota Deputy Commissioner for International Affairs, Financial Services Agency of Japan

Hiroshi Ota was appointed Assistant Commissioner for International Affairs at the Financial Services Agency of Japan in July 2016, then became Deputy Commissioner for International Affairs in December 2016. His main responsibility covers insurance regulatory issues from the international perspectives. Since November 2016, he has been serving as Japan’s representative on the International Association of Insurance Supervisors’ (IAIS) Executive Committee and Financial Stability and Technical Committee and is the co-vice chair of the IAIS Executive Committee. Ota joined the Bank of Japan in 1992, and developed his career mostly in bank supervision. He represented the Bank at the Accounting Task Force and Liquidity Working Group of Basel Committee of Banking Supervision, and then formed part of the Bank’s off-site monitoring group in charge of foreign banks in Japan. He was the head of the group from 2011 to 2013. From 2013 until he took his current position, he served as a Chief Representative at the Bank’s Representative Office in Paris.

Rowan Douglas Chief Executive Officer, Capital Science & Policy Practice Willis Towers Watson Rowan Douglas is Head of Capital, Science & Policy Practice at Willis Towers Watson, supporting the management, regulation and financing of risks from climate, terrorism, cyber and other perils. Previously, he served on the Board of the Group's reinsurance division, Willis Re, as CEO Global Analytics and was appointed onto the UK Prime Minister's Council for Science & Technology 2011-2016. Douglas led foundation of the Insurance Development Forum with the World

Bank, UN and global insurance industry leaders in 2015 to address the UN 2030 Sustainable Development Goals and Paris Agreements. He received a CBE in 2016 for services to the economy through risk, insurance and sustainable growth.


John Huff President & Chief Executive Officer, Association of Bermuda Insurers and Reinsurers (ABIR)

John Huff is President and CEO of Association of Bermuda Insurers and Reinsurers (ABIR). In this role Huff directs ABIR’s worldwide public policy initiatives. Huff has more than 25 years of experience in the Insurance sector, most recently as the 2016 president of the National Association of Insurance Commissioners (NAIC), and as director of the Missouri Department of Insurance, a position he held for eight years.

Prior to entering public service, Huff spent more than a decade in executive positions with leading global insurers and reinsurers.

A former practicing attorney, his knowledge of the insurance industry is global in scope, spanning the United States, Bermuda, the United Kingdom, Continental Europe and Asia markets. John brings to the table a keen understanding of the regulatory, legal, financial and operational challenges that insurance and reinsurance companies face.

Huff earned his JD from Washington University School of Law and holds a MBA from St. Louis University and a BSBA from Southeast Missouri State University.

Peter Kochenburger Deputy Director, Insurance Law Center, University of Connecticut Law School

Peter Kochenburger is the Executive Director of the Insurance Law LL.M. Program, Deputy Director of the Insurance Law Center, and Associate Clinical Professor of Law at the University of Connecticut School of Law. He helps direct the Insurance Law LL.M. program and teaches courses in insurance law and regulation, including Principles of Insurance, Liability Insurance, and Comparative Insurance Regulation, which involves students and faculty from China, Europe and the United States.

Kochenburger has published in the areas of Liability Insurance and Gun Violence, Climate Change and Insurance, International Insurance Regulation, and Insurance Online and Consumer Protection. He is a funded Consumer Representative to the National Association of Insurance Commissioners and a consumer stakeholder with the International Association of Insurance Supervisors. He was elected to the American Law Institute in 2013.

Kochenburger graduated from Harvard Law School and holds his B.A. in history from Yale University.


Transforming Insurance in the 21st Century: A C-Suite Perspective

MODERATOR

Julie Mix McPeak NAIC President and Commissioner,

Tennessee Department of Commerce & Insurance

PANEL

Dame Inga Beale Chief Executive Officer, Lloyd’s

Marianne Harrison President and Chief Executive Officer, John Hancock

JoAnn M. Martin Chief Executive Officer, Ameritas


Julie Mix McPeak NAIC President and Commissioner, Tennessee Department of Commerce & Insurance

Commissioner Julie Mix McPeak was appointed to lead the Tennessee Department of Commerce & Insurance by Governor Bill Haslam in January 2011. Before being appointed in Tennessee, she served as the Executive Director of the Kentucky Office of Insurance (KOI). McPeak, who brings more than 20 years of legal and administrative experience in state government, is the first woman to serve as chief insurance regulator in more than one state. Her leadership as Commissioner garnered recognition from Business Insurance Magazine which honored her as one of the 2013 Women to Watch.

In January 2018, McPeak became President of the National Association of Insurance Commissioners (NAIC). An active NAIC participant for nearly 20 years, McPeak has served on the NAIC’s Executive Committee since 2013. She was elected in November 2015 as NAIC Secretary-Treasurer and elected NAIC Vice President in February 2016. In December 2016, she was elected NAIC President-Elect. McPeak is also an Executive Committee member of the International Association of Insurance Supervisors (IAIS). McPeak received her J.D. from the University of Louisville, School of Law in 1994. She is a 1990 graduate of the University of Kentucky, where she received her B.B.A., With Distinction, in Marketing.

Dame Inga Beale Chief Executive Officer, Lloyd’s

Inga Beale was appointed Chief Executive Officer in January 2014. Previously, Beale was Group Chief Executive of Canopius with its principal operations at Lloyd's. Prior to that she spent four years with Zurich Insurance Group, including a period as Global Chief Underwriting Officer. Beale was Group CEO of Swiss reinsurer Converium Ltd and while there, she led a major turnaround of the business before it was acquired by SCOR in 2007. Beale started her career as a reinsurance underwriter with Prudential before spending 14 years in a variety of international roles for GE Insurance Solutions. Beale is a Member of the UK Government’s Financial Services Trade and Investment Board, the London Mayor’s Business Advisory Board, the Geneva Association Board, and the Board of the UK Chartered Insurance Institute.


Marianne Harrison President and Chief Executive Officer, John Hancock

Marianne Harrison is President and Chief Executive Officer of John Hancock, the U.S. division of Toronto-based Manulife Financial Corporation and one of the largest life insurers and fastest- growing asset managers in the United States. She also serves on the boards of directors for the American Council of Life Insurers (ACLI) and for Communitech, an industry-led innovation center that fosters technology companies in Canada. Harrison graduated from the University of Western Ontario with a B.A. in

English and earned a Diploma in Accounting from Wilfrid Laurier University. She is a Chartered Accountant and in 2016 was elected a Fellow of the Profession, the highest designation for professional achievement conferred by the Chartered Professional Accountants of Ontario.

JoAnn M. Martin Chief Executive Officer, Ameritas

JoAnn Martin is chief executive officer of Ameritas Life Insurance Corp. and Ameritas Mutual Holding Company. She is active in the insurance industry and her local community. Martin is chairman-elect of the American Council of Life Insurers and chair of the University of Nebraska Foundation Board of Directors. She also serves on the Board of NRC Health. Martin and her husband, Derrel, have two daughters and live in Lincoln, Nebraska.


Featured Speaker

Jonathan Dixon Secretary General, International Association of Insurance Supervisors (IAIS)

Jonathan Dixon is Secretary General of the International Association of Insurance Supervisors (IAIS). Prior to becoming Secretary General in November 2017, Dixon had a long association with the IAIS, having been a member of the IAIS Executive Committee since 2009 and Chair of its Implementation Committee since 2012. He also chaired the Governing Council of the Access to Insurance Initiative (A2ii), a joint initiative of the IAIS and development partners aimed at supporting inclusive insurance.

Prior to joining the IAIS, Dixon was Deputy Executive Officer at the Financial Services Board of South Africa, with responsibility for insurance regulation and supervision. He was appointed to this position by the Minister of Finance in 2008. Before that he worked for 10 years for the National Treasury of South Africa on economic and financial sector policy issues. Dixon has a Master of Science in Economics from the London School of Economics.


The Role of Insurance In Emerging Markets

MODERATOR

Gordon I. Ito NAIC Secretary-Treasurer and Commissioner,

Hawaii Department of Commerce & Consumer Affairs Insurance Division

PANEL

Peter Braumüller

Managing Director, Financial Market Authority (FMA), Austria, Chair of the A2ii Governing Council

José Gerardo López Hoyo

Vice President of Sectoral Studies and Analysis, CNSF, Mexico and Chair, Implementation and Assessment Committee, IAIS

Patrick Graham

Chief Executive Officer, Asia, Cigna

Brendan Plessis Executive Vice President - Head of Emerging Markets XL Catlin


Gordon I. Ito

NAIC Secretary-Treasurer and Commissioner, Hawaii Department of

Commerce & Consumer Affairs Insurance Division

Gordon I. Ito was appointed as Insurance Commissioner for the Hawaii State Insurance Division in July 2010 by Governor Linda Lingle. He was reappointed by Governor Neil Abercrombie and Governor David Ige on January 2011 and 2015 respectively. Prior to his appointment, Ito was the Chief Deputy Insurance Commissioner since 2000 and was the Supervising Attorney of the Insurance Division from 1993 – 2000.

In December 2017, Ito was elected Secretary-Treasurer of the NAIC. From 2012 -2015, he was Chair of the Western Zone and served on the Executive Committee. He was the Chair of the International Regulatory Working Group and the Information Systems Task Force from 2011 to 2016. In 2017, he served as Vice Chair of the International Insurance Relations Committee. Ito obtained a bachelor’s degree in business administration from the University of Hawaii and a law degree from the University of Hawaii’s William S. Richardson School of Law.

Peter Braumüller

Managing Director, Financial Market Authority (FMA), Austria,

Chair of the A2ii Governing Council

Before joining the FMA in 2002, Peter Braumüller worked for the Austrian Ministry of Finance since 1983. In 1999, Peter was appointed head of Insurance Supervision after having served as head of unit for financial analysis, on-site inspections and accounting for more than five years. Braumüller has had a distinguished career in the international arena. In the International Association of Insurance Supervisors (IAIS), he served as Vice Chair of the Technical Committee from early 2007 to October 2008 and Chair of the IAIS Financial Stability Committee from 2009 to early 2013. From 2008 until 2014 he has been Chair of the IAIS Executive Committee. In the EU, he was a member of the EIOPA Management Board from January 2011 until December 2014 and since January 2015 he is the Alternate Chair of EIOPA. Furthermore, he is a member of the IAIS Executive Committee and Chair of the Governing Council of the Access-to-Insurance Initiative (A2ii). Braumüller has degrees in law from the University of Vienna and actuarial science from the University of Technology in Vienna.


José Gerardo López Hoyo

Vice President of Sectoral Studies and Analysis, CNSF, Mexico and

Chair, Implementation and Assessment Committee, IAIS

José Gerardo López Hoyo has been Vice-president of Analysis and Sectoral Studies at the CNSF-Mexico since January 2016. He leads the areas of research and risk analysis, in charge of the Solvency Capital Standardized Model. This is his second time at the CNSF, between 2002 and 2008 he was General Director of Research & Analysis. Between 2008 and 2011, he was chief economic policy advisor for President Calderón and later was the chief of staff at CFE, Mexico’s utility

public company. In 2013 he founded an energy consulting company and towards the end of 2014 he joined the Federal Telecommunications Institute (IFT) where he carried out the first spectrum tender for Digital Television and the AWS Spectrum Bidding for mobile broadband services (80 MHz). He also designed the first national radio broadcast auction. He is an economist graduate from ITAM in 1994; he later obtained the Master of Science’ degree from Stanford University in Engineering Economic Systems and Operations Research. Recently (Nov-1st, 2017), derived from his participation at the International Association of Insurance Supervisors (IAIS), he was appointed member of the Board of Directors of the Access to Insurance Initiative (A2II). As well, since January 2018, he is chair of the Implementation and Assessment Committee.

Patrick Graham

Chief Executive Officer, Asia, Cigna

Covering seven markets from New Zealand through to Indonesia, Patrick Graham is responsible for the overall management, growth and profitability of Cigna’s Asia Pacific operations. Graham joined Cigna in August 2011 as the Head of Sales and Business Development for the Health, Life and Accident division. He subsequently managed Cigna’s high growth markets in Indonesia and Thailand as well as overseeing the market entry into India. He has been in his current role since January 2015. Prior to joining Cigna, Graham was with GE Capital for 15 years in various roles. He was as Chief Executive Officer of Tesco Card Services, a joint venture between GE and UK retailer Tesco. In this role Patrick led a team of 500 people distributing a range of finance, life and general insurance products to Tesco’s 10 million customers in Thailand. Prior to that Patrick was responsible for starting up and running GE Capital’s European Captive Insurer as well as their Asian Insurance Operations across seven Asian markets.


Brendan Plessis

Executive Vice President - Head of Emerging Markets XL Catlin

Brendan Plessis is XL Catlin’s Executive Vice President for Emerging Markets. In this role Brendan leads the development of emerging market strategies by partnering with leaders across XL Catlin, in both Insurance and Reinsurance. Plessis joined XL Catlin in July 2015, previously holding a position as a managing director at Guy Carpenter & Company, Singapore. He was the head of multinational and retrocession business for Southeast Asia, South Korea, India, China and Greater China. Prior to working at Guy Carpenter, Plessis held various senior level positions with Willis Re

Bermuda, Gallagher Re Bermuda, IBL/Independent Management Group Bermuda and Aon Limited UK.


Building Momentum for Digital Disruption in Insurance

MODERATOR

Raymond G. Farmer NAIC Vice President and Director, South Carolina Department of Insurance

PANEL

Andrew Candland Head of Division, Insurance Supervision Directorate, Central Bank of Ireland

Peggy Fu

Associate Director, Market Conduct, Hong Kong Insurance Authority

Ryan Evans Chief Operating Officer, Hartford InsurTech Hub

Sonja Larkin-Thorne Consumer Advocate

Mojgan Lefebvre

Senior Vice President and Chief Information Officer, Liberty Mutual Global Specialty


Raymond G. Farmer NAIC Vice President and Director, South Carolina Department of Insurance Ray Farmer was appointed by Governor Nikki Haley to serve as Director for the South Carolina Department of Insurance November 13, 2012. With more than forty years’ experience, Farmer received his degree in Insurance from the University of Southern Mississippi and earned his law degree from Atlanta’s John Marshall Law School. Farmer served as the Deputy Insurance Commissioner of the Enforcement Division for the Georgia Department of Insurance and more recently Vice President for the American Insurance Association. As a part of his service, Farmer has served for over thirty years on the Board of Directors of the

Georgia Arson Control Program, an organization aiding fire fighters and prosecutors combating arson. Farmer is a member of the State Bar of Georgia and a member of the Tort and Insurance Practice section as well as the Workers’ Compensation section. In 2012, Farmer was awarded the Herman Hass Award by the Independent Insurance Agents of Georgia for service to the insurance industry. Also in 2012, he received a Presidential Citation for Outstanding Service to the insurance industry from the Professional Insurance Agents of Georgia and then in 2014 was named the Industry Person of the Year from the Independent Agents and Brokers of South Carolina. In 2017, Farmer received The Order of the Palmetto from Governor Haley, the state's highest civilian honor awarded to citizens of South Carolina for extraordinary lifetime service and achievements of national or state-wide significance. Most recently, Farmer was honored to be elected the Vice President for the National Association of Insurance Commissioners.

Andrew Candland

Head of Division, Insurance Supervision Directorate, Central Bank of Ireland

Andrew Candland joined the Central Bank of Ireland at the start of 2018. He works in the Insurance Directorate as the Head of Actuarial, Analytics and Advisory. Before moving to Dublin, he spend nearly five years at the European Insurance and Occupational Pensions Authority (EIOPA) in Frankfurt, where he set up EIOPA's centre of expertise in internal models and then became Head of the Oversight Unit. Before joining EIOPA, Andrew held roles at the UK Financial Services Authority, where he lead an internal model assessment team, before taking on a wider role on technical standards and analytics.

Candland started his career at Prudential plc, where he qualified as an actuary, working in marketing and then finance. Andrew managed the modelling team in the Prudential's UK business, before joining the Group Head Office to lead work on financial reporting regulatory and economic capital modelling, and risk oversight. Candland read Maths at the University of Cambridge.


Peggy FuAssociate Director, Market Conduct, Hong Kong Insurance Authority

Ms Peggy Fu has years of experience in supervision of insurance companies and currently is the Associate Director of the Market Conduct Division of the Insurance Authority (IA).

Before joining the IA, Fu has had worked for the General Business Division of the former Office of the Commissioner of Insurance (OCI) and was heavily involved in the drafting of the Insurance Companies (Amendment) Bill 2014 when working for the Enforcement Division of the OCI. Her current target is to implement the new direct regulatory regime for insurance intermediaries by mid-2019. She is now responsible for drafting new codes and guidelines for

supervision of insurance intermediaries, conducting industry and public consultation, planning transitional arrangements and developing a new computer system to support supervision of insurance intermediaries.

Fu is a Fellow of the Association of Chartered Certified Accountants and has a law degree.

Ryan EvansChief Operating Officer, Hartford InsurTech Hub

Ryan Evans is an experienced business professional with a track record of helping start-ups and established businesses scale operations and sales. He has spent the better part of the last decade helping entrepreneurs and senior business executives grow their companies. This experience has given him the skills and knowledge required to manage operations across a wide variety of functions.

At his previous company, Evans was responsible for managing global operations for the sales team that grew from 30 to over 300 people in three years. Outside of work, Ryan enjoys spending time with his family and friends doing a variety of outdoor activities.

Evans holds a BS in Business Management from the University of Connecticut.


Sonja Larkin-Thorne

Consumer Advocate

Sonja Larkin-Thorne retired as Vice President of Government Affairs for The Hartford and has over 30 years of experience in the insurance word. She was responsible for managing The Hartford's regulatory and legislative activities in 14 states. Prior to joining The Hartford, she served as Vice President, Personal Lines and Director of Legislative Affairs for the Association of California Insurance Companies, Senior Consultant on Insurance to former California Assembly Speaker Willie L. Brown Jr., Special Assistant on Insurance to the late California State Senator Teresa P. Hughes and was Regional Underwriting

Manager of Allstate Insurance company's Southern California Regional Office and Special Assistance in their home office. In 2009 after her retirement, the National Association of Insurance Commissioners (NAIC) appointed Larkin-Thorne as a member of the NAIC Consumer Board of Trustees and Funded Consumer Representative, and in 2010 she was appointed to the Interstate Insurance Product Regulation Commission (IIPRC) Consumer Advisory Committee. She served in both positions until 2018. In 2013 she was appointed by the International Association of Insurance Supervisors (IAIS) as one of the first IAIS Consumer Observers worldwide.

Mojgan Lefebvre

Senior Vice President and Chief Information Officer, Liberty Mutual Global

Specialty

At Liberty, Mojgan Lefebvre leads all aspects of technology for an $11.6B global division across 20+ countries in complex and specialized areas of commercial insurance. She gained an international perspective early on as the daughter of a diplomat, having lived in Iran, Russia, Israel and Tunisia all before age 18. College brought Lefebvre to the U.S., graduating from Georgia Tech with a BS in Computer Science and then joining Bell South as a programmer. In her role with Bell South, Lefebvre quickly saw great opportunity in helping businesses succeed through technology management. She was inspired to pursue an MBA from Harvard, followed by a three-year consulting post in Bain’s Boston and Paris offices. The advent of the Internet led to entrepreneurial roles with a software start-up and then her own venture in software development outsourcing. One of Lefebvre’s clients hired her to establish offshore operations in Buenos Aires, which eventually led to a CIO role with this firm.


Featured Speaker

Antony Phillipson

Her Majesty’s Trade Commissioner for North America

As HMTC Antony Phillipson leads the work of the UK’s Department for International Trade (DIT) driving forward the UK’s wider economic and prosperity objectives in North America as the UK leaves the EU and prepares for future trade agreements with countries around the world. Phillipson has an extensive background in trade and investment promotion and policy, and brings unique experience and international insight to the role. Most recently, Antony was Director of Trade and Partnerships in the Department for Exiting the European Union. As a member of the senior leadership team he was at the heart of policy making on Brexit, as well as

having a specific focus on implications for our trade arrangements with the EU and third countries. That followed on from four years as High Commissioner to Singapore, one of the UK’s most important prosperity partnerships in Asia.


Enhancing Systemic Risk Regulation Through Macroprudential Policy

Tools

MODERATOR

Peter L. Hartt Director of Insurance, New Jersey Department of Banking and Insurance

PANEL

Alberto Corinti

Member of the Board of Directors of Italian Insurance Supervisory Authority (IVASS) and Chair, Macroprudential Committee, IAIS

Victoria Saporta

Executive Director of Prudential Policy Directorate of the Bank of England and Chair, IAIS Executive Committee

Thomas Sullivan

Associate Director, Federal Reserve Board

Ann Kappler Senior Vice President, Deputy General Counsel and Head of External Affairs,

Prudential Financial

Pooja Rahman Head of Financial Risk, New York Life Insurance Company


Peter L. Hartt

Director of Insurance, New Jersey Department of Banking and Insurance

Peter L. Hartt is Director of the Division of Insurance in the New Jersey Department of Banking and Insurance. Director Hartt oversees the Division’s five operating units: Solvency Regulation; Consumer Protection; Property and Casualty; Life and Health; and Fraud Deterrence. He started at the Department in 2000, became Assistant Director of the Division in 2002 and Acting Director in 2011. The New Jersey Senate confirmed him as Director in 2014. In recent years Hartt has focused on the evolving interaction of state, federal and international insurance regulatory regimes, the modernization

of solvency regulation and group supervision, and the development of tools for macroprudential surveillance in the interests of financial stability In September, 2016, the National Association of Insurance Commissioners (NAIC) appointed Hartt as the state insurance commissioner representative on the Financial Stability Oversight Council (FSOC), which was created by the Dodd-Frank Act to identify risks and respond to emerging threats to financial stability. He is also Chair of the NAIC Financial Stability Task Force, which is leading the NAIC’s Macroprudential Initiative. He is also active at the International Association of Insurance Supervisors (IAIS) as a member of the Macroprudential Committee and the Policy Development Committee, and had served on the previous Financial Stability Technical Committee, the G-SII Methodology Task Force and the NTNI Task Force.

Alberto Corinti Member of the Board of Directors of Italian Insurance Supervisory Authority (IVASS) and Chair, Macroprudential Committee, IAIS As from 1 January 2013, Alberto Corinti is Member of the Board of Directors at Italian Insurance Supervisory Authority (IVASS). Under this role, he is a member of the Managing Board and Quality Control Committee of the EIOPA and Chair of the Macro-prudential Committee and member of the Executive Committee of the IAIS. From March 2011 to December 2012, he was Director at Promontory Financial Group, advising on regulatory and risk management issues in the insurance sector at European and International levels. From November 2007 to February 2011 he was director of the Economics and Finance department at CEA, the European insurance industry federation (now Insurance Europe). Before joining CEA, he was secretary general of CEIOPS, the Committee of European Insurance and Occupational Pension Supervisors (now EIOPA), since its foundation in 2004. Prior to that, he headed various departments at ISVAP (former name for IVASS). Alberto Corinti has a degree in Business Administration from the University of Rome. He was teacher of "Economics of insurance undertakings" at the University of Macerata from 1999 to 2004 and has authored a number of insurance-related publications.


Victoria Saporta

Executive Director of Prudential Policy Directorate of the Bank of England and Chair, IAIS Executive Committee

Vicky Saporta is Executive Director of Prudential Policy at the Bank of England and the Prudential Regulation Authority. Saporta has held a number of positions in regulatory policy, financial stability and monetary analysis in a career spanning over 20 years at the Bank of England. She was at the heart of the macro prudential and micro prudential policy reforms undertaken by the Bank after the global financial crisis. Saporta has represented the Bank on numerous international committees

dealing with central banking and regulatory issues. She is currently Chair of the Executive Committee of the International Association of Insurance Supervisors (IAIS) and represents the Bank of England on the Basel Committee on Banking Supervision. Saporta holds a PhD in Economics, M.Phil in Finance from the University of Cambridge and a B.Sc in Mathematical Economics and Econometrics from the London School of Economics. She has published a number of articles in books, professional journals and Bank of England publications.

Thomas Sullivan Associate Director, Federal Reserve Board Thomas Sullivan is an Associate Director of the Federal Reserve, Board of Governors (Fed). Sullivan, an insurance industry regulatory veteran, leads the Federal Reserve on regulatory matters presented by insurance firms within the responsibility of the Fed. Among his core responsibilities, Sullivan leads the insurance policy development activities of the Fed. Sullivan also represents the Fed at the International Association of Insurance Supervisors (IAIS) and leads the Federal Reserve’s participation in IAIS committees, working groups and projects. He is the Fed’s point of contact with senior officials from the National Association of Insurance Commissioners (NAIC), state insurance commissioners, the Federal Insurance Office, and foreign insurance supervisory authorities. Previously, Sullivan was a Partner in the financial services regulatory consulting practice at one of the world’s largest professional services firm. Most notably, Sullivan served nearly four years as Connecticut’s 30th Insurance Commissioner beginning in 2007. Sullivan has more than 30 years of experience in the insurance industry. He began his career at The Hartford, advancing through various positions of responsibility in management, leadership, and finally as an executive in the firm.


Ann Kappler

Senior Vice President, Deputy General Counsel and Head of External Affairs, Prudential Financial Ann Kappler is Senior Vice President, Deputy General Counsel and Head of External Affairs at Prudential Financial. Kappler oversees several legal functions including Regulatory Law, Litigation, Employment and ERISA, Financial Management and M&A. She also leads the company’s federal, state and international government affairs activities. Kappler is Executive Sponsor of the

department’s Diversity & Inclusion Initiatives. Prior to joining Prudential, Kappler was a partner in the Financial Institutions, Litigation, and Public Policies and Strategies practice groups at Wilmer Cutler Pickering Hale & Dorr in Washington, D.C. Her practice focused on representing and advising financial institutions. Prior to returning to private practice in 2006, Kappler served as General Counsel at Fannie Mae. Previously, Kappler was a litigation partner in the Washington, D.C. office of Jenner & Block, where her practice focused on appellate litigation and long-term representation of a coalition of insurance agent and broker trade associations on insurance and banking issues. Kappler serves on the Boards of Directors of several non-profit organizations. She graduated from Dartmouth College, received her law degree from New York University School of Law, where she served as Editor-in-Chief of the Law Review, and was a law clerk to D.C. Circuit Judge Abner Mikva and U.S. Supreme Court Justice Harry Blackmun.

Pooja Rahman

Head of Financial Risk, New York Life Insurance Company Pooja Rahman is Vice President and Head of Financial Risk. In her present position, she leads a New York based team responsible for implementing enterprise-wide strategy and measures related to insurance and financial risk. She oversees the company’s internal capital and stress testing frameworks and represents the company with state, federal and international regulators on issues related to capital and solvency. Rahman joined New York Life in 2013 as Vice President, International Regulatory Affairs. Prior to joining New York Life, Rahman was manager and counsel, international policy and analysis for the National Association of Insurance Commissioners (NAIC). Prior to the NAIC, she was director, senior corporate counsel for Aviva, plc, and in-house counsel for the Iowa Insurance Division. Additionally, she worked at Principal Financial Group as a technical analyst. Rahman earned a Bachelor of Commerce degree from the University of Mumbai, an M.B.A. from the University of New Orleans, and a J.D. from Drake University Law School.


How Big Data Is Changing the

Insurance Industry

MODERATOR

Eric A. Cioppa NAIC President-Elect and Superintendent, Maine Bureau of Insurance

PANEL

Maria T. Vullo

Superintendent, New York Department of Financial Services

Manuel Venegas Muggli Analyst, Insurance Regulation Division, Financial Markets Commission of Chile

Dr. Frank Grund

Chief Executive Director, Insurance and Pension Funds Supervision, Federal Financial Supervisory Authority (BaFin)

Birny Birnbaum

Executive Director, Center for Economic Justice

Elizabeth A. Ward Executive Vice President, Chief Financial Officer and Chief Actuary, MassMutual


Eric A. Cioppa NAIC President-Elect and Superintendent, Maine Bureau of Insurance

Eric A. Cioppa is Superintendent of the Maine Bureau of Insurance, one of five agencies within the state’s Department of Professional and Financial Regulation. He joined the Bureau in 1988 as a Statistician then served as Supervisor of the Workers’ Compensation Section prior to becoming Deputy Superintendent in 1998. He was unanimously confirmed as Superintendent in September 2011 and in January 2017 he was reconfirmed to serve another five-year term.

Cioppa is currently President Elect of the National Association of Insurance Commissioners (NAIC), having previously served as Vice

President in 2017 and Secretary in 2016.

He is also Vice Chair of the NAIC’s Executive, Government Relations, and State Government Liaison committees, and is a member of the Maine State Employee Health Commission.

Cioppa holds a B.A. from Potsdam State University and an M.B.A. from Clarkson University.

Maria T. Vullo Superintendent, New York Department of Financial Services

Maria T. Vullo was confirmed by the New York State Senate as Superintendent of Financial Services on June 15, 2016. She was nominated for the position by Governor Andrew Cuomo. As Superintendent, she is responsible for protecting consumers and markets in New York State from fraud and financial crises, as well as reforming the regulation of financial services to keep pace with the industry’s rapid evolution.

Prior to joining DFS, Vullo was a litigation partner at Paul, Weiss, Rifkind, Wharton & Garrison LLP, where she led civil, criminal, and regulatory investigations before courts and governmental authorities across the country. Vullo also served as Executive Deputy Attorney General for Economic Justice Division in the Office of the New York State Attorney General, under then New York State Attorney General Cuomo.

Over the course of her career, Vullo’s specific legal experience has included litigations and investigations involving the financial services sectors and fraud, real estate, health care, insurance, tax, consumer protection, bankruptcy, antitrust, and constitutional law.

Vullo earned her J.D. from New York University School of Law, an M.P.A. from the New York University Wagner Graduate School of Public Service, and a B.A. from the College of Mount Saint Vincent. She clerked for the Hon. John A. MacKenzie, U.S. District Court, Eastern District of Virginia, following law school prior to entering private practice.


Manuel Venegas Muggli Analyst, Insurance Regulation Division, Financial Markets Commission of Chile Manuel Venegas has worked at the CMF for almost five years as a financial analyst in the Department of Insurance Regulation. He has been involved mainly in the development of the new risk-based capital model for insurers that will replace current capital requirement. He has also been involved in the work of the Capital, Solvency and Field Testing Working Group of the IAIS. Moreover, he has also been in charge of the corresponding research for potential modifications in regulatory norms, including the impact of these regulatory changes over insurance companies.

Venegas is an economist from the Universidad Católica de Chile where he did his undergraduate studies. He also has a master degree in public policy from the London School of Economics and Political Science. Prior to joining the SVS, Venegas worked for two years as a corporate credit analyst at the second biggest bank in Chile where he performed credit risk reports of Chilean corporations to be analyzed by the Credit Committee of the bank.

Dr. Frank Grund

Chief Executive Director, Insurance and Pension Funds Supervision, Federal Financial Supervisory Authority (BaFin) Dr. Frank Grund is the Chief Executive Director of Insurance and Pension Funds Supervision at BaFin, a position he has held since October 2015. Prior to becoming Chief Executive Director, Grund served as a member of the supervisory boards at IDEAL Versicherungsgruppe. Grund has more than 30 years of experience in the insurance industry and is a member of numerous regulatory committees at European Insurance and Occupational Pensions Authority (EIOPA) and serves on the Executive Committee of the International Association of Insurance Supervisors (IAIS). Grund received his doctorate in law and political science from the University of Bonn in 1988.

Birny Birnbaum Executive Director, Center for Economic Justice

Birny Birnbaum is the Director of the Center for Economic Justice, a non-profit organization whose mission is to advocate on behalf of low-income consumers on issues of availability, affordability, accessibility of basic goods and services, such as utilities, credit and insurance.

Birnbaum, an economist and former insurance regulator, has authored reports and testimony for numerous public agencies and consumer organizations, covering a wide variety of topics, including analysis of insurance markets, insurers' use of big data, market regulation, force-placed insurance, homeowners and flood insurance, consumer credit insurance,

title insurance and insurance credit scoring. He has served for many years as a designated Consumer Representative at the National Association of Insurance Commissioners and routinely speaks to the National Conference of Insurance Legislators. He is a member of the Federal Advisory Committee on Insurance, chairing the Subcommittee on Affordability and Availability of Insurance. Birnbaum served as Associate Commissioner for Policy and Research and the Chief Economist at the Texas Department of Insurance.

Birnbaum was educated at Bowdoin College and the Massachusetts Institute of Technology.

Elizabeth A. WardExecutive Vice President, Chief Financial Officer and Chief Actuary, MassMutual

Betsy Ward is Executive Vice President, Chief Financial Officer and Chief Actuary of MassMutual, a leading mutual life insurance company with over $770 billion in assets under management as of December, 2018. A member of MassMutual’s Executive Leadership Team, Ward currently leads MassMutual’s financial organization including Treasury, Financial Planning & Analysis, Financial Reporting, including Valuation and Corporate Tax, Corporate Inforce Management, and Procurement. In addition, she also has responsibility for MassMutual’s Strategy and Corporate Development areas. Before assuming the role of Chief Financial Officer in June, 2016, she held the role of Chief Enterprise Risk Officer leading the enterprise risk management and actuarial division across all of the insurance and asset management companies.

Prior to joining MassMutual affiliate Babson Capital Management in 2001, Ward worked at American Skandia, Charter Oak Capital Management and Aeltus Investment Management in insurance company portfolio management, and at various areas of Aetna Life & Casualty.

Ward holds a B.A. from the University of Rochester in Economics and Spanish and is a Fellow of the Society of Actuaries, a Professional Risk Manager, and a Member of the American Academy of Actuaries.


2018

NAIC INTERNATIONAL

INSURANCE FORUM

Attendees

NAIC International Forum Attendance List

First Name Last Name Title Company Country of BusinessIan Adamczyk Vice President, International Regulatory and Government Affairs Prudential Financial, Inc. USATanweer Akram Director of Global Public Policy and Economics Thrivent Finanical USAAfifa Al Houari Directrice du Contrôle des Assurances Supervisory Authority of Insurance and Social Welfare MoroccoMohammed Alharthi Fellow DC Dept of Ins Securities & Banking USADavid Altmaier Commissioner Florida Office of Insurance Reg USAJeff Alton Vice President, Global Regulatory Policy & Affairs CNA Insurance USAToshiyuki Amari Manager Sompo Japan Nipponkoa Insurance JapanGary Anderson Commissioner Massachusetts Div of Ins USABrian Angel Vice President Aflac USAJad Ariss Group Head of Public Affairs & Corporate Responsibility AXA Group FranceJack Armstrong AVP & Chief Regulatory Affairs Officer Liberty Mutual USAJames Armstrong Deputy Commissioner Iowa Ins Div USANancy Atkins Commissioner Kentucky Dept of Ins USAEdward Barron Head of International Government Affairs AIG United KingdomThomas Bartell Vice President, Dupty General Counsel, Head of Government Affairs The Hartford Financial Services Group, Inc. USAInga Beale Chief Executive Officer Lloyd's United KingdomAshley Beaudry Senior International Policy Analyst American Council of Life Insurers USAKathy Belfi Director Connecticut Ins Dept USAKeith Bell Senior Vice President The Travelers Companies, Inc. USASusan Bernard Deputy Commissioner California Dept of Ins USASusan Berry Group Solvency Specialist Illinois Dept of Ins USAIsabelle Berthiaume Director prudential supervision of insurers Autorité des marchés financiers CanadaBirny Birnbaum Executive Director Center for Economic Justice USAGeorge Brady Senior Advisor & Insurance Lead Institute of International Finance USAW. Jay Branum Director of Captives South Carolina Dept of Ins USAPeter Braumüller Chair of A2ii Governing Council Financial Market Authority (FMA) Austria AustriaJeroen Brinkhoff Senior Financial sector Expert IMF USASteve Broadie Vice President, Financial Policy Property Casualty Insurers Association of America (PCIAA) USAJack Broccoli Associate Director ‐ Financial Regulation Rhode Island Div of Ins USASharon Brosnan Director Thrivent Financial USALorrie Brouse Deputy Commissioner and General Counsel Tennessee Dept of Commerce & Ins USAPeg Brown Chief Deputy Commissioner Colorado Div of Ins USAPaul Brown Director, Industry Relations A.M. Best USADale Bruggeman Chief, Policy and Development, Foreign Analysis an Ohio Dept of Ins USAStefanie Bryant Senior Communications Specialist NAIC USABruce Byrnes Chief Compliance Officer Berkshire Hathaway Group USARamon Calderon Director NAIC USALeah Campbell Partner Willkie Farr & Gallagher LLP USAAndrew Candland Head of Division, Insurance Supervision Directorate Central Bank of Ireland IrelandMarlene Caride Acting Commissioner New Jersey Dept of Banking & Ins USAPhillip Carson Vice President, Treasurer & Director of Financial Regulatory Policy American Insurance Association USARafael Cestero Chief Deputy Commissioner Puerto Rico Office of the Insurance Commissioner USAJill Cetina Associate Director U.S. Treasury, OFR USACheryl Charleswell Chief Financial Services Examiner U.S. Virgin Islands Div of Bnkng Ins & Financial Reg USAJen‐Hsun Chen Officer Financial Supervisory Commission TaiwanCari Christman Chief of Staff Senator Larry Taylor USAEric Cioppa Superintendent Maine Bureau of Ins USACarolyn Cobb Vice President & Chief Counsel, Reinsurance & Int'l Policy American Council of Life Insurers USADavid Combs Paralegal Tennessee Department of Commerce and Insurance USAMichael F. Consedine Chief Executive Officer NAIC USAAlberto Corinti Board Member Istituto per la vigilanza sulle assicurazioni ItalyTodd Coslow Assistant Vice President Federal Reserve Bank of Chicago USA



First Name Last Name Title Company Country of BusinessLindsay Crawford Deputy Chief Examiner Nebraska Dept of Ins USABryant Cummings Insurance Examinations Assistant Director Tennessee Dept of Commerce & Ins USAMelissa Curtin Vice President & Deputy Head, International Government Affairs AIG USARob Curtis Executive Director KPMG AustraliaAllan Danso Director, Risk Management Jackson National Life USARachel Davison Deputy Commissioner & General Counsel Massachusetts Div of Ins USAFrancis de Regnaucourt Research Principal U.S. Treasury, OFR USAJoseph DeMauro VP AIG USAPatrick Déry Superintendant Solvency Autorité des marchés financiers CanadaAntonita Devotta correspondent Thomson Reuters Regulatory Intelligence USAKristen DiCarmine Corporate Vice President New York Life Ins Co USAMichael Dinius President Noble Consulting Services, Inc. USAElisabeth Ditomassi Head of Compliance & Regulatory Affairs ‐ North America XL Catlin USAJonathan Dixon Secretary General International Association of Insurance Supervisors (IAIS) SwitzerlandJohn Doak Commissioner Oklahoma Ins Dept USARandall Dodd Senior Policy Analyst U.S. Treasury, Federal Insurance Office USAEd Donahue Second Vice President Aflac USARowan Douglas CEO, Capital Science & Policy Practice Willis Towers Watson United KingdomLinda Duzick Manager, Insurance Policy Section Federal Reserve Board USAElizabeth Dwyer Superintendent Rhode Island Div of Ins USAIsraly Echegaray International Trade Specialist US Department of Commerce USAHeather Eilers‐Bowser Financial Policy and Legislative Counsel NAIC USAElizabeth "Libby" Elliott Associate Commissioner Texas Department of Insurance USAJoseph Engelhard SVP & Head, Global Regulatory Policy Group Metlife USARyan Evans Chief Operating Officer Hartford InsurTech Hub USAHilary Evenett Partner Clifford Chance LLP United KingdomChunyin Fang Chief Representative, China Re New York Liaison Of China Re USARay Farmer Director South Carolina Dept of Ins USALou Felice Solvency and Capital Policy Advisor NAIC USALiz Festa Reporter USAJohn Fielding General Counsel The Council of Insurance Agents & Brokers USATom Finnell Owner Finnell & Co. USAKyle Fischer Associate HSBC USADiane Fraser Senior Policy Advisor Financial Stability Oversight Council USAKevin Fry Deputy Director, Financial Corporate Regulatory Illinois Dept of Ins USAPeggy Fu Associate Director of Market Conduct Hong Kong Insurance Authority Hong KongSteve Fuller Head of International Government Affairs Travelers USAMorag Fullilove Principal The Fullilove Consulting Group USARoman Gabriel Vice President Prudential USAJulie Gackenbach Principal Confrere Strategies USAChristopher Gahan Vice President‐Federal Relations Northwestern Mutual USARuss Galbraith Chief Deputy Commissioner Arkansas Ins Dept USAPeter Gallanis President NOLHGA USALaïndhra Garcia Manager of the Prudential Supervision Department Centrale Bank van Aruba ArubaWheatley Garner Vice President J.P. Morgan Asset Management USAPepe Gerardo Lopez Hoyo Vice President of Sectoral Studies and Analysis Comisión Nacional de Seguros y Fianzas MexicoTom Gibbons SVP Corporate Finance Pacific Life Insurance Company USARichard Goldberger Senior Director/Counsel AXA Equitable Life Insurance Company USAPhilip Goodman Senior Insurance Regulatory Policy Analyst U.S. Treasury, Federal Insurance Office USARisa Gordon Associate Debevoise & Plimpton LLP USAPatrick Graham Chief Executive Officer, Asia Pacific CIGNA Health & Life Insurance Company USARandall Gregg General Counsel Michigan Dept of Ins & Financial Svcs USA



First Name Last Name Title Company Country of BusinessFrank Grund Chief Executive Director of Insurance and Pension Funds Supervision BaFin GermanyJoseph Gunset General Counsel Lloyd's America USAJoseph Gunset General Counsel Lloyd's America, Inc. USAMohammad Wais Hakimzada CS, Sr. General Manager General Directorate of Insurance Affairs AfghanistanNikki Hall CIPR Manager NAIC USAMohammad Arif Hamid Director General Directorate of Insurance Affairs, Ministry of Finance AfghanistanLawrence Hamilton Partner Mayer Brown LLP USAJennifer Hammer Director Illinois Department of Insurance USACraig Hanna Director of Public Policy American Academy of Actuaries USAMartin Hansen Managing Director, Regulatory Policy AIG USALauren Harlan Meetings & Event Planner NAIC USATom Harman DC Bureau Manager A.M. Best USAMarianne Harrison President & Chief Executive Officer John Hancock USAPeter Hartt Director, Division of Insurance New Jersey Dept of Banking & Ins USAPatricia Hatler Of Counsel Squire Patton Boggs (US) LLP USANeville Henderson Assistant Superintendent Insurance Supervision Office of the Superintendent of Financial Institutions CanadaJacob Henderson International Economist, Office of International Financial Markets U.S. Department of the Treasury USAGary Henning VP, Head of State affairs Zurich North America USAAnn Henstrand Senior Director, Asia and Latin America Society of Actuaries USAJulie Herwig Senior VP of Governmental Affairs New York Life Insurance Company USAEmma Hirschhorn Division Chief California Department of Insurance USAMaki Hishikawa 2nd Vice President Aflac International USAHern Shin Ho Assistant Managing Director (Designate) Monetary Authority of Singapore SingaporeAngela Hollan Sr. Director, Government Relations Allianz Life USAMark Hollmer Wells Media Group, Inc. USAPaul Howard Associate Arnold & Porter USAHsiho Huang Director Taiwan Financial Supervisory Commission‐NY office TaiwanMary Jo Hudson Partner Squire Patton Boggs (US) LLP USAJohn Huff President & CEO Association of Bermuda Insurers and Reinsurers (ABIR) BermudaPat Hughes Partner Faegre Baker Daniels USAKim Husson Director Insurance Federal Reserve Bank of Boston USAAaron Igdalsky Associate Locke Lord USAGordon Ito Commissioner Hawaii Ins Div USARuwan Jayasekera Head Of Division Cayman Islands Monetary Authority Cayman IslandsDaniel Jenab Government Relations Intern NAIC USAJulianne Jensby Administrative Assistant to the CEO NAIC USAStephen Johnson Insurance Financial and Regulatory Specialist Stradley Ronon Stevens & Young, LLP USAJeffrey Johnson AVP & Actuary John Hancock USAJeff Johnston Managing Director, Financial Regulatory Affairs NAIC USAChristopher Joyce Deputy General Counsel Massachusetts Div of Ins USAMohammad Musa Kamawi General Director of Insurance Affair General Directorate of Insurance Affairs AfghanistanAlice Kane Of Counsel Clifford Chance USAAnn Kappler Senior Vice President, Deputy General Counsel & Head of External Affairs Prudential Financial, Inc. USAFred Karlinsky Shareholder; Co‐Chair, Insurance Regulatory & Tran Greenberg Traurig, LLP USABob Kasinow Insurance Specialist Locke Lord USAKei Kato Manager Tokio Marine & Nichido Fire Insurance Co., Ltd. JapanEdward Kelley Senior Vice President and Deputy General Counsel TransRe USAGovernor Dirk Kempthorne President & CEO American Council of Life Insurers (ACLI) USAEdmund Kenealy SVP, Deputy General Counsel Liberty Mutual Insurance Company USATed Kennedy Vice President & Co‐Head AIG USAAllen Kerr Commissioner Arkansas Ins Dept USADennis Kerrigan EVP & General Counsel Zurich North America USA



First Name Last Name Title Company Country of BusinessBrent Kessler Vice President, Senior Legal Counsel ‐ P&C SCOR Reinsurance Company USAHolly Kinnamon Managing Partner HJK Strategies USAPeter Kochenburger Deputy Director, Insurance Law Center University of Connecticut School of Law USAScott Kosnoff Partner Faegre Baker Daniels USANicholas Kourides Senior Counsel DLA Piper USAMalena Kramer Head of International Relations & Institutional Affairs Superintendency of Insurance of Argentina ArgentinaMike Kreidler Commissioner Washington Ofc of the Ins Cmsr USAKrishna Kundu Senior Insurance Regulatory Policy Analyst U.S. Treasury, Federal Insurance Office USAAlexis Ladasic Directorate‐General of the Treasury Ministère de l’Economie et des Finances FranceMichelle LaFond VP, Chief Regulatory Counsel Unum Group USACharles Landgraf Partner Arnold & Porter USASonja Larkin Thorne Consumer Advocate USAJohn Laughbaum Vice President, Government Relations Aflac USAMary Pat Lawrence VP‐Federal Affairs Allstate Insurance Company USATracey Laws Sr Vice President & General Counsel, Global Government & Industry Affairs Chubb USAAmy Lazzaro Regulatory Affairs Cigna USAChris Ledoux Senior Special Counsel (Insurance) FDIC USAMojgan Lefebvre Senior Vice President & CIO Liberty Mutual Global Specialty USATom Leonardi Executive Vice President of Government Affairs, Public Policy & Communications AIG USAAlan Levin Partner Locke Lord LLP USAElise Liebers Sr. Director, Financial Regulatory Affairs‐Intl Policy & Market Surveillance NAIC USAChlora Lindley‐Myers Director Missouri Dept of Ins USADavid Lonchar Director Company Regulation Delaware Dept of Ins USAAlyssa Long Assistant Vice President USAA USAJohn Loughran Insurance Holding Company Examiner Connecticut Ins Dept USACedric Maikwang Fellow DC Dept of Ins Securities & Banking USAAndrew Mais Subject Matter Expert Deloitte USAKathleen Makowski Deputy Attorney General Delaware Department of Insurance USAJoe Manero Assistant Vice President, Government Relations CNA USADeirdre Manna Vice President Property Casualty Insurers Association of America USASridhar Manyem Director A.M. Best USABill Marcoux Partner DLA Piper LLP(US) USANoah Marine 2VP Travelers Insurance USAMarne Marotta Associate Arnold & Porter USAJoAnn Martin Chief Executive Officer Ameritas USAPatricia Matson Partner Risk & Regulatory Consulting, LLC USATsunehisa Matsumoto SEVP DLI NA (Dai‐ichi Life) USAKosaku Matsunaga Senior Deputy Manager Sompo Japan Nipponkoa Insurance Inc. JapanKristine Maurer Assistant Director New Jersey Dept of Banking & Ins USAKevin McCarty Manager Celtic Global Consulting USAAnna McLean Deputy Managing Director Cayman Islands Monetary Authority Cayman IslandsScott McNulty Senior Auditor US Government Accountability Office USAJulie McPeak Commissioner, Dept of Commerce & Ins Tennessee Dept of Commerce & Ins USASamantha Medlock Senior Vice President, Capital, Science & Policy Practice Willis Towers Watson USAWilliam Melchionni VP & Co‐Head, U.S. State Government Affairs AIG USARichard Merski Head ‐ International Public Policy Cigna USAHoward Mills Global Insurance Regulatory Leader Deloitte USAYancy Molnar SVP, International Government Affairs Chubb USAMatt Monson VP Actuary Protective Life Corporation USAKaralee Morell Vice President and Asst. General Counsel Reinsurance Association of America USAMichael Morrissey CEO International Insurance Society USABen Moss Vice President of Government Relations Guggenheim Insurance USA



First Name Last Name Title Company Country of BusinessJenae Moxie Associate Willkie Farr & Gallagher USAJay Muska Supervisory Insurance Valuation Analyst Federal Reserve Board Of Governors USAKenichiro Namiki Manager, International Affairs The General Insurance Association of Japan JapanChristine Neighbors Senior Vice President and General Counsel Ameritas USARobert Neill Vice President International and Govt Relations American Council of Life Insurers USAMichael Newman Senior Policy Analyst U.S. Department of Treasury, Office of Critical Infrastructure USACuc Nguyen Assistant Commissioner ‐ International Insurance Oklahoma Ins Dept USAGeorge Nichols Executive Vice President New York Life USATheodore Nickel Commissioner Wisconsin Ofc of the Ins Cmsr USASarah Novascone Vice President The Travelers Companies, Inc. USANana Nyanin Senior Associate New York Life Insurance Company USAJustice Yaw Ofori Commissioner of Insurance National Insurance Commission GhanaMakoto Okubo General Manager, International Affairs Nippon Life Insurance Company USADoug Ommen Commissioner Iowa Ins Div USABianca Orlandini Press Superintendency of Insurance of Argentina ArgentinaYoshimasa Oshirabe Chief Representative of DC office Dai‐ichi Life Group USAHiroshi Ota Deputy Commissioner for International Affairs Financial Services Agency of Japan JapanCheryl Owens Compliance Analyst DC Dept of Ins Securities & Banking USASuyash Paliwal Senior Insurance Policy Analyst Federal Reserve Board Of Governors USAAndrew Pauley Government Affairs Counsel NAMIC USAJuan Pazo Superintendent of Insurance of Argentina Superintendency of Insurance of Argentina ArgentinaMatti Peltonen Supervisory Insurance Analyst Federal Reserve Board USARodney Perkins Government Relations Leader Global Bankers Insurance Group USAMaurice Perkins Senior Vice President & Global Head, Government and Policy Affairs Aegon USADarlene Perry International Relations Coordinator NAIC USAConstance Peterson Senior Analyst Minnesota Dept of Commerce USAAntony Phillipson Her Majesty’s Trade Commissioner for North America Foreign & Commonwealth Office USABryan Pickel Vice President, International Govt. Affairs Prudential Financial, Inc. USABrendan Plessis Executive Vice President ‐ Head of Emerging Markets XL Catlin United KingdomRich Poniatowski Vice President, Accounting Policy Travelers USAJim Poolman President Jim Poolman Consulting Inc USAMarie Poppy Director of Global Regulatory Policy & Affairs CNA USAScott Quesenberry VP International Government Relations Genworth Financial USAPooja Rahman Head of Financial Risk New York Life Ins Co USABruce Ramge Director Nebraska Dept of Ins USASiham Ramli Director of communication and international relations Supervisory Authority of Insurance and Social Welfare MoroccoViji Rangaswami VP & Federal Affairs Officer Liberty Mutual Insurance USAStephanie Rawe Head Technical Regulation Swiss Re USAJohn Rehagen Division Director Missouri Dept of Ins USAPeter Rice Senior Counsel DLA Piper LLP USABob Ridgeway Senior Government Relations Counsel America's Health Insurance Plans USAJose Joaquin Riesen Superintendent of Insurance and Reinsurance Superintendencia de Seguros y Reaseguros de Panama PanamaCliff Roberti Principal Federal Hall Policy Advisors, LLC USAOlga Roberts Managing Director KPMG LLP USAMichelle Rogers AVP International and Regulatory Affairs NAMIC USARobert Rose Assistant Vice President Metlife USASuzanne Sadlier Deputy Head of Division Cayman Islands Monetary Authority Cayman IslandsMark Sagat Assistant Director, Financial Policy & Legislation NAIC USAHélène Samson Director prudential oversight of financial institutions Autorité des marchés financiers CanadaCharles Santana Financial Analysis Supervisor Delaware Dept of Ins USAVictoria Saporta Executive Director of Prudential Policy Directorate United Kingdom ‐ PRA United KingdomEkrem Sarper Lead Manager, Bilateral Affairs NAIC USA



First Name Last Name Title Company Country of BusinessMitsutaka Sato General Manager Tokio Marine & Nichido Fire Insurance Co. Ltd. USAStephanie Schmelz Senior Insurance Regulatory Policy Analyst U.S. Department of Treasury, Federal Insurance Office USAJustin Schrader Chief Financial Examiner Nebraska Dept of Ins USAWilliam Schwegler Vice President ‐ Actuary Transamerica USAGray Schweitzer Director, Financial Institutions Group (FIG) HSBC USALeslie Scism Staff Reporter and News Editor The Wall Street Journal USALauren Scott Vice President, International Government Affairs AIG USASteven Seitz Deputy Director, Financial Stability U.S. Department of Treasury, Federal Insurance Office USATab Shanafelt Senior Vice President Athene Holding Ltd. BermudaAndrew Shaw Senior Policy Advisor U.S. Department of Treasury, Federal Insurance Office USATomohiro Shima Assistant Vice President Meiji Yasuda America Incorporated USAJ.J. Silverstein Attorney Foley & Lardner LLP USASteve Simchak Vice President & Chief International Counsel American Insurance Association USAAndrew Simonelli VP, Corporate & Policy Communications Prudential Financial, Inc. USAScott Sinder Partner Steptoe & Johnson LLP USAPeter Skjoedt Director Financial Stability and Regulation The Geneva Association SwitzerlandBrad Smith Chief International Officer American Council of Life Insurers USAEthan Sonnichsen Managing Director, Government Relations NAIC USATakuro Sorihashi Senior Manager Sumitomo Life Insurance USAKevin Spataro SVP Accounting Policy & Research Allstate Insurance Co USASue Stead Attorney Squire Patton Boggs (US) LLP USABarrie Stokes SVP and Senior Associate Counsel Protective Life Corp USADouglas Stolte Deputy Commissioner Virginia Bureau of Insurance USAStanton Strickland Attorney Mitchell Williams USANingxin Su Senior Policy Associate Institute of International Finance USANobuyasu Sugimoto Senior Financial Sector Expert International Monetary Fund USAThomas Sullivan Associate Director ‐ Insurance Federal Reserve Board USAKent Sullivan Commissioner Texas Dept of Ins USARashmi Sutton International Relations Counsel NAIC USAMasahiro Suzuki Deputy General Manager Aioi NIssay Dowa Insurance Co.,Ltd JapanMasatake Suzuki Senior Vice President Meiji Yasuda America USAMasahiko Tamamura Tokio Marine & Nichido Fire Insurance Co., Ltd. JapanSeema Taneja AVP Government Affairs Zurich USATetsuya Taniguchi General Manager, Government Relations Dai‐ichi Life Holdings JapanNorman Taplin CEO Nelson Taplin Goldwater USAStephen Taylor Commissioner DC Dept of Ins Securities & Banking USAMasaya Tazaki manager Mitsui Sumitomo Insurance Co.,Ltd. JapanPaul Tetrault State & Policy Affairs Counsel NAMIC USAPaul Thanos Director Office of Finance and Insurance Industries US Dept of Commerce USAJeff Thomas ATTORNEY Mitchell Williams USAGita Timmerman International Policy Counsel NAIC USAJoseph Torti Vice President ‐ Regulatory Affairs Fairfax (US) Inc. USAEdward Toy Director, Capital Markets Bureau NAIC USAVincent Tran International Trade Administration U.S. Department of Commerce USADarren Trigonoplos Vice President & Head of Federal Government Affairs American International Group USANed Tyrrell International Technical Policy Advisor NAIC USAChristina Urias Director Christina Urias Consulting L.L.C. USADavid Vacca Principal Vacca Regulatory Consulting, LLC USAPatricia Valley Financial Services Market Specialist Federal Reserve Bank of Boston USAAndrew Vedder Vice President ‐ Solvency Policy & Risk Management Northwestern Mutual USAManuel Venegas Muggli Analyst, Insurance Regulation Division Financial Market Commission ChileAni Verma International Insurance Policy Advisor NAIC USA



First Name Last Name Title Company Country of BusinessMaria Vullo Superintendent New York Dept of Financial Services USAKatharine Wade Commissioner Connecticut Ins Dept USAPetr Wagner Counselor Delegation of the EU to the US USALindsay Walden Director, Public Affairs Manulife/John Hancock CanadaMatt Walker Supervisory Insurance Analyst Federal Reserve Board USAElizabeth Ward Chief Financial Officer and Chief Actuary Massachusetts Mutual Life Ins Co USALisa Warrum Vice President Noble Consulting Services USALinda Watters Vice President, Government Relations John Hancock USABaird Webel Specialist in Financial Economics Congressional Research Service USAAnn Weber Director Government Affairs Society of Actuaries USAKimberly Welsh VP, Assistant General Counsel, Global Government Affairs RGA USADouglas Wheeler Senior Vice President New York Life Ins Co USAWilliam White Managing Principal Acuity Strategic Consulting USARichard White Senior Vice President, Government Relations Jackson National Life USAJeff Williams Director, Federal Affairs Allstate USAMonica Williams‐Carbon Legal Counsel U.S. Virgin Islands Div of Bnkng Ins & Financial Reg USAJosh Windsor International Technical Policy Advisor NAIC USAPeter Windsor Senior Financial Sector Expert IMF USALori Wing‐Heier Director Alaska Division of Ins USAThomas Workman Independent Insurance Member Financial Stability Oversight Council USARyan Workman Lead Manager, IAIS Policy & Coordination NAIC USAAnna Bartlett Wright Corporate Vice President New York Life Insurance Company USAErin Yang Media Strategist NAIC USAIvan Zhykhariev‐Kelly Reporter The Capitol Forum USAAnthony Zobl Director, International Regulatory and Government Affairs AIG USAManuela Zweimueller Head of Policy Department European Ins & Occupational Pensions Authority GermanyDavid Zyble Assistant Vice President, Government Relations Jackson National Life USA


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MONDAY, MAY 14 2018May 14, 2018 · • Marianne Harrison, President and Chief Executive Officer, John Hancock • JoAnn M. Martin, Chief Executive Officer, Ameritas Insurance company