INWALD CONSULTING SERVICES, INC., Bloomfield, MI 1992 – 1998 and 2000 – Present Initially as a sole proprietorship [DBA Inwald Consulting Services] and 2000 through present as a Michigan Corporation. President Consulting and expert services related to insurance risk transfer, outsourced Risk Management, broker & insurer selection (RFP’s), & performance assessments. Retained as an Expert for State and Federal matters regarding P & C Insurer and Insurance Broker conduct. Provide strategic advice, Product Development, Fairness Opinions, and other related services for Professional and Managerial Liability Insurance mechanisms. Establish and manage related Joint Ventures.

FRANCISCAN HEALTH, Mishawaka, IN 2023 Vice President, Insurance and Risk Management Responsible for ERM for Indiana based Health Care System with 12 hospitals, 12 direct reports and approximately 20,000 employees with 1000 employed physicians. Reported directly to the System CEO. • Per the 2023 Form-990, system revenues were about $3.6 billion, with an Ins. spend, that I was responsible for, of $46 mil. • Oversight of a mature VT captive (Hills) providing HPL, GL, PL, WC, & Medical Stop-Loss risk assumption, departmental support for other P & C exposures, of a licensed Ins. agency primarily used to advise seniors on efficient Medicare supplement and Advantage programs, and of various JV’s and Physician organizations regarding clinical ERM inclusive of risk avoidance, minimization, claims management, and commercial or captive transfer.

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