Financial Examination Services
The Financial Examinations team is a cornerstone of regulatory oversight, ensuring that insurers operate in a financially sound and compliant manner. Through rigorous, risk-focused examinations aligned with NAIC standards, the team supports state insurance departments in protecting policyholders, maintaining market stability, and upholding the integrity of the insurance system.
Risk-Focused Examination Services
Full-scope, coordinated, limited-scope, and multi-state risk-focused examinations conducted in accordance with the NAIC Financial Condition Examiners Handbook and
Accreditation Standards.
Regulatory Objectives:
- Assess solvency, governance, internal controls, and risk management practices.
- Identify emerging risks and ensure timely regulatory intervention.
Certified Regulatory Expertise
Our examiners hold the following credentials which ensures that examinations are conducted with technical precision, legal defensibility and a deep understanding of
insurance operations.
- Certified Fraud Examiner (CFE)
- Accredited Financial Examiner (AFE)
- Certified Public Accountant (CPA)
- Chartered Property Casualty Underwriter (CPCU)
- Associate in Captive Insurance (ACI)
We offer expertise in all lines of business including specialty lines such as title insurance, captives, PEOs, viaticals, and medical malpractice.
Training & Capacity Building
Training Services:
- Offers customized training programs for state insurance departments to enhance examiner proficiency and regulatory effectiveness.
- Covers examination methodology, risk assessment, documentation standards, and emerging regulatory issues.
The Financial Examinations team is a trusted regulatory partner, delivering comprehensive, risk-based examinations that align with national standards and support the solvency and accountability of insurers. Their work strengthens regulatory frameworks, enhances consumer protection, and ensures that insurance departments are equipped to meet evolving oversight challenges.
Team Leadership
Rachelle Gowins, CFE, MCM
Senior Managing Director
Natalie Howe, CFE, CFE (Fraud), ACI
Senior Director
Jean Adams-Harris, CFE, CPA, CISA, MCM
Senior Manager
Rick Buchwald, CFE, CFE (fraud), MCM, CIA, AIRC, AIE, ALMI
Manager
Stephanie Ohnmacht, CFE
Manager
TESTIMONIALS
What our team says about us
Cynthia M. Fitzgerald, AIRC, ACS, AIAA, CICSR, CFE(Fraud), CIE, MCM, PHAM, ITP, CCP
Director
Working at ER has allowed me to develop my leadership skills to elevate my team in the Health Consulting Services space. Consistent and meaningful engagement with executive leadership at ER is incredibly supportive and collaborative. At ER, we foster a creative work environment where everyone feels valued and heard. ER leadership is committed to professional development and work life balance. I enjoy the opportunity to lead a strong team with vision and purpose as we support state and federal regulators with dynamic and creative solutions. One of the attributes I like most about working at ER is the opportunity to work closely with other leaders in other areas of insurance regulation. This opportunity is only possible when leaders feel trusted, supported and equipped with the tools necessary to be successful. At ER, we take care of our clients, our team and each other as we deliver on our mission.
Craig Leonard, CIE, CPCU, CCP, FLMI, ARC, AIAF, ARM, MCM
Senior Director Market Conduct
Working at ER has been an incredible experience that allows me to lean into my strongest skills as a thought leader who is always looking to raise the bar and find better ways to improve market regulation processes. ER’s commitment to quality, efficiency, and first-rate representation creates an environment where innovation thrives, and continuous improvement is the standard. Our firm’s streamlined structure ensures prompt attention to clients at all levels, enabling me to partner with them in meaningful ways and consistently exceed their expectations. In my 34 years being involved in market regulation, I have never worked with a more knowledgeable, dedicated team. With deep knowledge and dedication to the NAIC’s Market Regulation Handbook, combined with our ‘out-of-the-box’ thinking, we identify critical findings often overlooked by others. I take immense pride in the work we do and the value we provide to our clients every day.
Mark Ossi, CPA, CFE, AMCM, CFE (Fraud)
Director Financial Analysis
In my previous position as a state regulator, ER was one of our trusted contracting firms. I felt like they were a strategic partner in the Department’s insurance regulatory oversight and was happy to have them be part of our team for the seventeen years I was employed at the Georgia Department. In 2019, I joined the ER Team and have been even more impressed with ER’s professionalism, culture and commitment to assisting our client’s mission of regulatory oversight of the insurance industry with the goal of safeguarding policyholders.
We'd love to hear from you! Share what services you are interested in and how we can work together to achieve your goals.
We value your perspective. Share your thoughts, suggestions, or experiences with our team anytime at feedback@examresources.net.
CORPORATE HEADQUARTERS
20 10th Street NW, Suite 803
Atlanta, GA 30309-6197
Office: 404.816.6188
Fax: 404.816.6197
UTAH OFFICE
10619 S. Jordan Gateway, Suite 335
South Jordan, UT 84095
Office: 801.562.5748
VIRGINIA OFFICE
145 N. Main Street
Stuart, VA 24171
Office: 276.694.3806
Fax: 404.816.6197