TIMOTHY C. MIELCAREK

Mr. Mielcarek is a Director of AllRisk.US and has superior expertise in structuring extended service contract and warranty programs and has worked for a number of prominent companies in this regard.  Mr. Mielcarek served at General Warranty during the 1980s and then for Risk Management Resource Ltd. in Malibu, California during the 1990s.  Today, Mr. Mielcarek serves as a independent consultant for Balboa Insurance Company in Irvine, California and is an expert consultant available through AllRisk.  Automotive and Home warranty service contracts are Mr. Mielcarek's specialty and he has designed a number of successful programs for a variety of clients.            

Mr. Mielcarek has over 20 years experience in the insurance and insurance-related industries with specific competencies in claims and premium processing operations, claims audit, and standard practice systems design and implementation for claims operations and claims audit. As a technical writer, Mr. Mielcarek's focus is upon language and content which augments administration and automation for products which utilize contractual instruments insured by contractual liability insurance policies written under both standard and surplus lines. These products include service contract, extended warranty and mechanical breakdown insurance policies for vehicles, aircraft, heavy equipment, brown and white goods, home warranty, motor vehicle GAP and similar other products.                                                                                                                                                                                           

Mr. Mielcarek's insurance industry related experience includes substantial interface with Engineering Class Underwriters at Lloyd's of London, and Underwriters at Virginia Surety Company (an AON Corporation subsidiary), Maryland Casualty and Indemnity, Progressive Insurance, Imperial Casualty and Indemnity, the Royal Sun Alliance and numerous reinsurers in the US, Canada and the UK. This experience is combined with a working knowledge of computer automation, management and information systems and a thorough understanding of computer operating systems, databases, statistical analysis, PC networking and communications which serve to augment the operational aspects of insurance product administration, providing guidance on the design, customization, and implementation of business critical applications, and specializing in automation of data-intensive operations.

From 1984 through 1990, Mr. Mielcarek held a number of positions including Director of Claims and Operations at General Warranty Corporation which grew to become one of the largest vehicle service contract administrators in the United States with monthly sales peaking at over 55,000 units per month. Mr. Mielcarek managed and established claims standard practice systems for General Warranty's operations department which grew to approximately 150 staff. During that time, Mr. Mielcarek worked with product development, also serving as a liaison to Underwriters, field and marketing staff, and in assisting the legal department as a technical advisor in the handling of regulatory and litigative inquiries.                                                                                                            

Between 1990 and 1995, Mr. Mielcarek worked with Maryland Casualty in the runoff of the General Warranty Books of business which Maryland ultimately subcontracted to an AON subsidiary in 1991. Beginning in 1995 through 2001, Mr. Mielcarek worked with John Leddington at Risk Management Resource Ltd. which also had an established relationship with AON, working closely as wholesale broker and consultants to AON's US and Canadian vehicle service contract claims operations, its Underwriters and reinsurers.                                                    

Mr. Mielcarek holds an AA degree in Industrial Technology from San Diego State University and continuing education in Computer Engineering, as well as extensive training and experience in automotive technologies including 14 years with Mercedes Benz service operations.                                                                                                                                                                                                                            

QUALIFICATION SUMMARY

20 year track record in vehicle service contract administration, risk management, loss control and audit

Managed nationwide vehicle service contract claims operations for over 16,000 auto dealers and over 50 general insurance agents with a base of over 3 million contract records

Strong, conscientious people motivation, listening, verbal and written communication skills; managed up to 120 operations employees, improved productivity over 40% and maintained quality of administration

Developed fiscal outlines for corporate operations over a broad spectrum of activities

Developed comprehensive internal technique, policy and procedures manual for standardized claims administration to control claims costs, credited with saving 5% on claims expenses

Supported development and implementation of automated claims software to handle 50,000 claim transactions monthly; and directed design and operation of a computerized external audit system for claims and dealer underwriting controls, credited with saving 10% on claims expenses

Responded to pre-litigation inquiries, provided technical contract interpretation

EXPERIENCE

4-03 to Present	Consultant to   Balboa Insurance Group - Irvine, CA, a wholly owned subsidiary of Countrywide Financial Corp (CFC) Contractor, Warranty Division, Product Support - Motor Vehicle GAP, Auto Warranty (Vehicle Service Contract), Home and Builder Warranty products, and other new lines research and development for: program documents, data and data dictionary, standard practice systems for claims adjudication and audit, loss coding structures, business model relational charting, audit and executive-level evaluation of existing Balboa programs, introduction of fully integrated business model for service contract products, evaluation third party administrators, special circumstances claims handling, technical support for legal department, etc.
9/01 - 5/02	CASSI / OwnerGUARD Corporation - San Diego, CA Executive Director of Operations - Corporate Development, IT and Mechanical Claims
7-95 - 9/01	Risk Management Resource Ltd. (RMR) - Malibu, CA Account Manager
4/91 - 7/95	Integrated Runoff Insurance Services Corporation (IRISC Specialty, Inc.) - Torrance, CA Vehicle Service Contract/Insurance Runoff Administrators and Adjusters. Supervisor, Quality Assurance, Internal Training Instructor, and Marketing
9/90 - 4/91	Maryland Casualty Company (MCC) - (Torrance, CA) Baltimore, MD Vehicle Service Contract/Insurance Underwriter, Administrators and Adjusters. Supervisor, Claim Operations Support
5/84 - 9/90	General Group International, Inc. - Harbor City, CA Vehicle Service Contract/Insurance Administrators, Agents and Adjusters. Director, Risk Management Group - 11/89 Director, Claims Services Systems - 11/88 General Group - Harbor City, CA (previously General Warranty) General Warranty - Marina del Rey, CA Director of Operations - 6/87 National Accounts Claims Manager - 4/86 Payment Processing Supervisor - 8/85 Phone Claims Supervisor - 3/85 Phone Claims Adjuster - 12/84 Processing Adjuster - 5/84
1978 - 84	Los Angeles Area Automobile Dealer Service Operations. Served as Warranty Administrator, Service Advisor, Service Dispatcher and Assistant Service Manager at 5 major import and domestic auto dealers in the greater Los Angeles area.

EDUCATION

1976	AA Degree in Industrial Technology - Palomar Community College with academic California State College System transfer requirements.
1977 - 78	San Diego State University - Partial fulfillment towards Masters in Industrial Technology and Architecture.

EXPERIENCE DETAIL and BACKGROUND INFORMATION

Risk Management Resource Ltd. (RMR) - Malibu, CA

RMR is a wholesale insurance brokerage and consultant specializing in contractual liability coverage and risk management of service contract and warranty risks. In these capacities, worked on behalf of certain Underwriters at Lloyd's, London, domestic insurance carriers, third party administrators, retailers, distributors and manufacturers. Worked with clients to analyze and evaluate service contract and extended warranty programs, both existing and start-up, for the purpose of appropriately securing contractual liability insurance.

Assisted in the management of a number of different North American extended warranty programs for automobiles, RVs, marine, aviation, heavy equipment, agricultural equipment, point of sale devices, theft deterrent systems, appliances, electronics and others. Involvement and authority on behalf of Underwriters extended to all aspects of clients' operations. Routinely assisted in the day-to-day management of extended warranty programs including program structure and design, data management, rating and actuarial analysis, design and content of contractual language, business processing and reporting procedures, claims adjudication, automation and employee training.

Conducted audits, on behalf of Underwriters and clients, to manage and determine overall program performance and to identify areas where improvements may be indicated with respect to loss control policies and procedures, cost containment of individual claim transactions and operational automation. Clients' service contract/warranty business ranges in size from $2M to in excess of $200M annually.

Integrated Runoff Insurance Services Corporation (IRISC Specialty, Inc.) - Torrance, CA

Responsible for staff and management training, standard administrative operating policy and procedure, claims technical support, and to provide administrative direction at IRISC Specialty's Torrance, California office which was opened shortly after IRISC was awarded vehicle service contract runoff business from Maryland Casualty Company.

Maryland Casualty Company (MCC) - (Torrance, CA) Baltimore, MD

Management and staff training, internal quality control, standard administrative policy and procedure, internal/external audits, recoveries and subrogation. Provided technical support and administrative direction for MCC's temporary claims office in Harbor City, California. Aid to the Vice President - Operations in the transition period following the failure of General Group International on September 5, 1990 and Maryland's subsequent takeover of the claim administration runoff functions.

General Group International, Inc. - Harbor City, CA

The nation's largest independent company specializing in vehicle service agreements, mechanical breakdown insurance contracts, and automobile manufacturer warranties (previously General Group of Co's). Director, Risk Management Group - 11/89: managed mechanical breakdown claims operations for over 16,000 auto dealers and over 50 general insurance agents with a base of over 3 million contract records. Authorship/management of the dealer underwriting control program designed to produce a balanced corporate underwriting profit; auto dealer monitoring, analysis, loss presentations, audits and ultimate cancellation for non-improving, unfavorable loss profile dealers; developed central reference document for risk management/loss control standards, claims audits; liaison between corporate office and general insurance agents, insurance carriers and regional claims office in Atlanta, GA.; technical advisor to the legal department in claims-related matters, managed mechanical damage inspection systems, loss reporting, and specified data processing system enhancements.

Director, Claims Services Systems - 11/88: administrative direction, training, and development of claims and mechanical damage inspection services; project team leader for claims software specifications for all new and modified data processing programs and/or products; installed remote data terminals and trained over 220 employees and field associates nationwide.

AWARDS/COMMENDATIONS

1986 - 1988	Personal Thanks from General's CEO for Efforts (12/86); Solving Operational Problems (1/87); Claims Division Performance (5/87); Corporate Reorganization (6/87); and Efforts (6/88).
1985	Associate of the Month (10/85) and Associate of the Year (GGOC)
1984	Letter of Commendation for efforts - General Warranty of Minnesota

INTERESTS

San Diego County Regional Planning Committee - Master Plan, City of Vista; Architecture; Music, including Marching Band and Orchestra (French Horn - 8 years); served as organizer for high school band trip to Europe (1973); served as advisor to Regional Occupational Program, Building Trades - San Diego County, which included creating the working drawings used for instruction and actual fabrication; freelance architectural drafting and tool design; German language skills; photography; and extensive travel throughout the United States, Canada, Mexico and Europe. Received advanced instruction in machine and architectural drafting, music, welding, automotive technology, regional occupational training programs (ROP) for building trades, auto body and paint, and mass media technology.

AUTOMOTIVE BACKGROUND

1984	Greenwood Pontiac/Mazda/GMC - Downey, California Service Dispatcher and Warranty Administrative Assistant
1983	Beverly Hills Lincoln/Mercury/Peugeot - Beverly Hills Assistant Service Manager/Service Advisor - Peugeot Dispatch and Warranty Administrator
1983	Valley Dodge - Van Nuys, California Service Advisor and Warranty Administrative Assistant
1981	W.I. Simonson Mercedes Benz - Santa Monica, California Service Advisor and Warranty Administrator. Completed Service Advisor and Service Concept Seminars through Mercedes Benz of North America (10/81)
1978	South Bay Autohaus - Torrance, California Senior Service Advisor and Warranty Administrator
1970 - 77	Casa Meche - Fallbrook, CA Mechanic and assistant to the Master Technician: Automotive repair, restoration and metal fabrication tasks primarily for Mercedes Benz automobiles, light and medium duty trucks and buses (with focus on Diesel) and showing vintage autos (circa 1930 to current). Participated in a 30 day research project in Europe for vintage model restorations: Mercedes Benz Factory (Sindelfingen) and Museum (Stuttgart).