Financial Examination Services

The Financial Examination Division has been integral to our company since its establishment in 2002. Our dedicated financial examiners conduct risk-focused examinations, ensuring compliance with the rigorous standards outlined in the NAIC Financial Condition Examiners Handbook and Accreditation Standards.

Areas of Specialization

  1. Examination Services: We offer a range of examination types, including comprehensive full scope, coordinated, limited, and multi-state risk-focused examinations. These examinations represent both lead and participating states, ensuring thorough coverage and compliance.
  2. Insurance Expertise: Our expertise covers all major lines of insurance, such as title insurance, professional employer organizations (PEOs), captives, viaticals, and medical malpractice. Additionally, we conduct specialized reviews including HIPAA compliance, prompt pay audits, and operational reviews.
  3. Certified Examiners: Our financial examiners are highly qualified, holding multiple certifications to support their expertise. Certifications include but are not limited to:
      • Certified Fraud Examiner (CFE)
      • Accredited Financial Examiner (AFE)
      • Certified Information Systems Auditor (CISA)
      • Certified Public Accountant (CPA)
      • Certified Fraud Examiner specializing in fraud (CFE)
      • Chartered Property Casualty Underwriter (CPCU)
      • Associate in Captive Insurance (ACI)
  4. Training Services: We provide comprehensive training services aimed at assisting insurance departments in developing their staff. These services ensure that regulatory and examination practices are understood and applied effectively.

Through our commitment to excellence and adherence to industry standards, we continue to deliver reliable examination services that support the integrity and stability of the insurance industry. ER takes a sterling approach to finding solutions together with the ultimate goal of safeguarding policyholders.


Rachelle Gowins, CFE, MCM

Managing Director

Natalie Howe, CFE, CFE (Fraud), ACI

Assistant Director

Jean Adams-Harris, CFE, CPA, CISA, MCM

Senior Manager