Miami Office: 1336 SW 146th Court, Miami, FLorida 33184
Contact Info: Tel No: (305) 273 1589
Fax: No: (702) 359 0926

Las Vegas Office: 2878 Loveland Dr. # 2208 Las Vegas, NV 89109
AMI RISK CONSULTANTS and the members of the team have extensive expertise and experience in performing loss reserve reviews and other riskmanagement studies for government and non-government entities. Our team includes four (4) Fellows of the Casualty Actuarial Society with combined actuarial experience of over sixty-five (65) years.

Our Consultants

Project Director

Mr. Bob Ingco has over thirty-five years of actuarial and risk management experience. His expertise is in estimating and analyzing loss reserves for government and non government entities. He has demonstrated working knowledge and understanding of self-insured programs. He has first hand experience in the evaluation and assessment of the reserving practices of governmental entities. He has audited the reserves of various municipalities. He has also performed insurance effectiveness and claims administrative reviews. He has extensive experience in self insurance reserves calculation for such lines of business as workers compensation, automobile liability, general liability, auto physical damage, property losses, etc.

Education and Professional Certifications

B.S. Mathematics and Physics
United States Naval Academy
Annapolis, MD

Fellow, Casualty Actuarial Society (FCAS)

Member, American Academy of Actuaries (MAAA)

Chartered Property Casualty Underwriter (CPCU)

Associate in Risk Management (ARM)

Member, South Florida Chapter of the CPCU

Professional and Business History

AMI Risk Consultants, Inc., Miami, Florida 1992 to Present:
President and Consulting Actuary.
Currently provides actuarial and risk management consulting services to self-insurance funds, insurance regulators, and captive insurance companies.

Price Waterhouse, Miami, Florida 1984-1992:
Actuary and Director.
For eight years, provided actuarial support and assistance regarding audits of and consulting services for insurance companies, Workers Compensation State Funds, HMOs, and other self-insurance funds.

Booke & Co. (McNeary Risk Management) Charlotte, NC 1981-1984:
Vice President and Actuary.
Performed rate filings, loss reserve reviews, and
certifications. Developed medical malpractice insurance
rates for several State Medical Association sponsored
medical malpractice companies.

Fireman's Fund Insurance Co., San Francisco, CA 1978-1981:
Associate Actuary.
Developed Commercial and Personal Auto rates for the Company.

American International Group Insurance, New York, NY
1974-1978: Assistant Actuary.

North American Re, New York, NY
1972-1974: Actuarial Assistant.

Consulting Actuary
Gail Flannery, FCAS, MAAA

Ms. Gail Flannery has worked extensively in property/ casualty insurance ratemaking and reserving for over twenty-nine years. Before joining AMI, she was Vice President and Actuary for American Bankers Insurance Group. She was responsible for the ratemaking and rate filing support for American Bankers products in various states. She also supervised statistical reporting for over ten years. She has demonstrated working knowledge and understanding of self-insured programs and compliance of GASB10 requirements.

Education and Professional Certifications

M.S. Statistics
Florida State University
Tallahassee, FL

B.A. Mathematics
Hollins College
Roanoke, VA

Fellow, Casualty Actuarial Society (FCAS)

Member, American Academy of Actuaries (MAAA)

Professional and Business History

AMI Risk Consultants, Inc., Miami, Florida
1997 to Present: Actuarial Consultant.
Acts as Technical Manager for most of the current actuarial
consulting work of AMI.

American Bankers Insurance Group, Miami, Florida
1992-1996: Vice President and Actuary.
Responsible for 20 actuaries, actuarial students, and statistical reporting staff. Provided ratemaking and reserving support to American Bankers Insurance Company and six P&C subsidiaries (three Foreign). Rendered reserve opinions for nine companies. Prepared annual business plan.

Actuarial Analyst/Senior Actuarial Assistant/Assistant Actuary.
Progressive responsibilities over the years including the following: rate reviews and rate filing support of specialty products, including Automobile Liability, Auto Warranty, Force-Placed Auto/ Antique, and Collectible Auto. Proposed rates and rating plans. Filed rates. Wrote system specifications to capture necessary data and to alter statistical calls to include product. Set quarterly reserves for all product lines. Wrote and maintained loss reserving software used from 1981-1995.

1978-1979: Project Team Member.
Part of a four-member user team that tested Policy Management System (PMS) software. Designed statistical coding for 25 insurance products. Assisted with conversion of inforce policies and open claims to new system.

Technical Manager
Faye Albert, FSA, FCA, MAAA

Ms. Faye Albert has over thirty-one years of actuarial experience. Before joining AMI, she was Senior Vice President and Chief Actuary of American Bankers Insuranc Group. Her experience in insurance company management includes managing actuarial functions, new product development and experience analysis. As a consultant, she has handled clients such as AMS Life Insurance Company, Association Group Insurance Administrators, Midland National Life Insurance Company, International Medical Group, and Physicians Benefit Trust.

Education and Professional Certifications

M.B.A. Mathematics
University of Miami

B.A. Mathematics
University of Michigan

Fellow, Society of Actuaries (FSA)

Fellow, Conference of Consulting Actuaries (FCA)

Member, American Academy of Actuaries (MAAA)

Professional and Business History

AMI Risk Consultants, Inc., Miami, Florida
2006 to Present: Actuarial Consultant.

American Bankers Insurance Group
1981-1988: Senior Vice President and Chief Actuary.

National-Ben Franklin Life
1981-1979: Vice President and Chief Actuary.

United Insurance Company
1976-1979: Senior Vice President.

Professional Contributions

Joint Society of Actuaries and American Academy of Actuaries Committee reviewing interim mortality valuation table for use with preferred risks, 2006: Chairman.

CSO Committee for American Academy of Actuaries, 2000-2002: Chairman.

Professional Publications

Investment Management for Insurers:
1998 - Speeding up the Valuation Process

Society of Actuaries Research Report:
1996 - Life Insurance Companies Investing in High-Yield Bonds

Wrote several articles for the North American Actuarial

Dorothy Zelenko, FCAS, MAAA

Ms. Zelenko has over thirty-six years of actuarial consulting experience. Her expertise is loss reserving, ratemaking and reinsurance. Before joining AMI in 1994, she was a Principal in the actuarial consulting firm of William M. Mercer, Inc, in New York where her assignment included reviewing loss reserves and rates. For eight years, she was a workers compensation reinsurance treaty underwriter for General Reinsurance. She has consulted for various State Insurance Departments. She has demonstrated working knowledge and understanding of the statutory accounting principles and procedures as well as the promulgations and recommendations of the NAIC.

Education and Professional Certifications

B.A. Mathematics, 1970
Concordia Teachers College
River Forest, Illinois

Fellow, Casualty Actuarial Society (FCAS)

Member, American Academy of Actuaries (MAAA)

Professional and Business History

AMI Risk Consultants, Inc.
1994 - Present: Actuarial Consultant.
Performs peer reviews for all engagements of AMI.

William Mercer, Inc, New York
1990 - 1994: Principal.
Responsible for performing actuarial consulting work.

General Reinsurance Corp.
1982 - 1990: Reinsurance treaty underwriter.
Specialist in workers compensation and excess layers.

American International Group
1972 - 1982: Provided actuarial and other support services
for underwriting, assumed and ceded reinsurance, claims
and risk management functions.

Professional Presentations and Articles Written

Casualty Actuaries Reinsurance Presentation:
June 1991 - Workers Compensation Excess Loss Factors

Casualty Actuarial Society Presentation:
November 1990 - Workers Compensation Crisis

Wrote several articles in the Actuarial Review and Business
Insurance magazine.

Niño Joseph Paz, FCAS, ASA, MAAA

Mr. Paz is a recent addition to the team and has been actively providing actuarial support and assistance in our engagements with several counties, cities, state insurance departments, self-insurance funds, and insurance companies regarding review of loss reserves and rate settings. He has gained extensive computer and statistical skills which includes proficiency in Excel (including PivotTable and macro programming), Word, Access (including SQL programming), Visual Basic, SAS, SQL Server, SPSS, EViews, and Stata throughout his previous engagements as an undergraduate student and current projects at AMI. Before joining AMI, he interned for Leo Burnett Manila where he handled and analyzed a large customer database for McDonald´s Corporation.

Education and Professional Certifications

B.S. Statistics, Summa Cum Laude
University of the Philippines, Diliman

Fellow, Casualty Actuarial Society (FCAS)

Associate, Society of Actuaries (ASA)

Member, American Academy of Actuaries (MAAA)

Professional and Business History

AMI Risk Consultants, Inc.
May 2011 - Present: Actuarial Supervisor.
Actuarial Supervisor. Assists actuaries in a wide variety of property/casualty insurance projects including review of loss reserves, rate setting for local insurance companies and audits of insurance entities.

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