STEVEN D. GOOD, CFE 414 Hampshire Hill Road (704)806-4591 Matthews, N.C. 28105 sg13ac772@westpost.

net ________________________________________________________________________________ ___ PROFESSIONAL PROFILE Specialized experience in financial auditing, risk focused financial analysis, and market conduct examinations within the insurance industry. Extensive experience in planning, budget analysis and tracking. Steeped in project management, Generally Accepted Accounting Principles, compliance and resource allocation. Special expertise and solid performance in financial program management. RECOGNIZED FOR ACCOMPLISHMENTS IN THE FOLLOWING AREAS: Financial Planning Supplier Management Multi-Billion Accounts Financial Compliance Financial Risk Analysis Fraud Investigations Financial Investigations Project Planning Financial Reviews EXPERIENCE _NOVO CONSULTING GROUP_, Morristown, New Jersey _CERTIFIED FINANCIAL EXAMINER (CFE), _2009a"Present_ _ Managed and maintained full responsibility of the financial accounts from the planning phase to the completion of the financial process. Reviewed company's expenditures and financial reporting systems, and ensured that financial statements were accurate, complete and conformed to NAIC statutory procedures and generally accepted accounting principles (GAAP). Tested major balance sheet expenses such as premiums receivable and policyholder claims payable. Managed Financial Reviews with responsibilities including: tracking expenses, project planning, cross-collaboration of various departments, forecasting and measurement of actuals vs projections. Financial Analyses were completed with written report of exceptions and pro-active compliance recommendations. _Financial Reviews Included: William Penn Life Insurance Co. and Presidential Life Insurance Co._ _INS REGULATORY INSURANCE SERVICES, INC.,__ _Dover, Delaware FINANCIAL EXAMINER (AFE), 2001-2008 Financial Examiner on behalf of state insurance departments for financial solvency conditions of Fortune 500 insurance companies. Managed and maintained full responsibility of all phases of the financial review process including: * Verified and inspected cash reserves, expenditures, assigned resources, and maintained accurate financial records for the program.

* Evaluated data processing applications for institutions under examination in order to develop recommendations for coordinating existing systems and forecasting future needs. * Investigated the specific financial records for line items such as capital for hardware and software and electronic data processing. * Coordinated and communicated findings and on-going progress with various departments and partner resources. STEVEN D. GOOD, CFE, PAGE TWO * Reviewed applications for mergers, acquisitions, establishment of new institutions, acceptance in Federal Reserve System, or registration of securities sales in order to determine their public interest value and conformance to regulations, and recommend acceptance or rejection. * Trained other examiners in the financial examination process. * Directed and participated in formal and informal meetings with senior management, trustees, counsels, and outside accountants in order to gather information and discuss findings. * Investigated activities of institutions in order to enforce laws and regulations and to ensure legality of transactions and operations or financial solvency. * Prepared reports, exhibits and other supporting schedules that detail an institution's safety and soundness, compliance with laws and regulations, and recommended solutions to questionable financial conditions. * Recommended actions to ensure compliance with laws and regulations, or to protect solvency of institutions. * Resolved problems concerning the overall financial integrity including loan investment portfolios, capital, earnings, and specific or large troubled accounts. * Reviewed audit reports of internal and external auditors in order to monitor adequacy of scope of reports or to discover specific weaknesses in internal routines. * Reviewed balance sheets, operating income and expense accounts, and

loan documentation in order to confirm assets and liabilities. _Audits Completed Included: Metropolitan Life Insurance Company (New York, NY), New York Life Ins. Co.(New York, NY), General Reinsurance(Stamford, CT), ING (Atlanta, GA), General Electric (Richmond, VA), Genworth Financial, AXA (New York, NY), Royal SunAlliance, Scottish Reinsurance, and multiple subsidiaries. _ _STATE FARM INSURANCE COMPANY, _WV, MD, OH, KY CLAIMS EXAMINER/SPECIALIST, 1984 a" 2000 a". Audited claims and managed complex injury cases. Supervised and mentored seven employees in formulating rules, procedures, policies, and practices with respect to auditing, accounting of complex injury claims. Advised and made recommendations to internal and external legal counsel concerning controversial and highly difficult cases. Extensive fraud investigations resulting in multiple convictions. Established guidelines for procedures and policies that complied with new and revised regulations, and directed their implementation. Planned, supervised, and reviewed work of assigned subordinates. PROFESSIONAL AFFILIATIONS Certified Financial Examiner (CFE) INS/NAIC/CDS Risk Focused Exam Training/Fraud Training Member of the Society of Financial Examiners or SOFE EDUCATION BA, Management and Accounting; West Virginia State University, Fairmont State University Seaboard University (State Farm Insurance Company - Industry Sponsored)