Vice President, CCO and Deputy General Counsel CNO Financial Group Professional Bio
Nancy Sweet is Vice President, Chief Compliance Officer and Deputy General Counsel of CNO Services, LLC, a subsidiary of CNO Financial Group, Inc. (CNO).
CNO subsidiary companies include Bankers Life and Casualty, Colonial Penn Life Insurance Company, Washington National Life Insurance Company, Bankers Life Securities, Inc. and Bankers Life Advisory Services, Inc. In her various roles at CNO, Nancy has led teams of attorneys and compliance professionals responsible for supporting annuity suitability, distribution compliance, product development, advertising and regulatory filing, marketing, market conduct exams, insurance operations and claims support, code of conduct, whistleblower hotline and privacy. During her tenure, Nancy led the implementation of the annuity suitability program and was lead counsel supporting the creation and stand-up of a new retail broker dealer and an investment advisor firm. Currently, legal and compliance staff for the broker dealer and investment advisor report to Nancy. Previous to her roles at CNO, Nancy served in various counsel positions for small and medium-sized insurance companies.
Nancy currently serves as Chair of the Compliance & Ethics Forum for Life Insurers (CEFLI) Board of Directors. She is a proud graduate of Butler University with a BS in Business Administration and Indiana University Robert H. McKinney School of Law. In her free time, Nancy enjoys coaching youth volleyball, watching Butler basketball, and spending time travelling with her family.
Timothy H. Bolden
Chief Compliance Officer American Fidelity Assurance Company Professional Bio
Tim Bolden joined American Fidelity Corporation in 2012 and serves as Vice President, Chief Compliance Officer and Deputy General Counsel in the Law Department.
He oversees Corporate Compliance, MAR, insurance regulatory matters and litigation.
With more than thirty-five years’ experience in the practice of law, Mr. Bolden has engaged in private practice and served in leadership roles in the law and compliance functions of several insurers including Provident Life / Unum, Protective Life, CIGNA, Assurant and AIG. He has FINRA 6, 63 and 26 designations as a registered securities principal of American Fidelity Securities, Inc. In addition to his prior service as a court-certified mediator and AAA arbitrator, he has represented clients in criminal and civil litigation at the trial and appellate level in various state and federal courts as well as before committees of the US Senate. He is currently a member of the ARIAS-US panel of arbitrators.
Tim enjoys scuba, shooting sports, cooking, homebrewing, and is a KCBS certified BBQ judge. He is a former trustee of the Oklahoma Engineering Foundation and serves on the CEFLI Board of Directors.
John Apostle is Genworth’s Senior Vice President for Compliance and Regulatory Governance.
He is responsible for the Company’s global Compliance, Ethics and Data Security programs and oversees the compliance operations of several business platforms. As the Enterprise Chief Compliance Officer, John takes a holistic view of enterprise best practices and uses them to implement meaningful compliance and data security programs throughout the company. He is a member of the company’s Executive Committee and regularly meets with the Board of Directors and its various committees to discuss compliance issues and risks, emerging regulatory requirements, internal investigations, best practices, and Compliance Program initiatives, priorities and effectiveness.
John has more than 25 years’ experience in the insurance, investments and financial services industry. He joined Genworth in 2000 as an Associate General Counsel and had been the Compliance Leader for the firm’s Retirement Income and Investments business segment from 2002 to 2007. John was named Enterprise Chief Compliance Officer in 2007 and became responsible for data security in 2018 when he was approved as the company’s Security Officer by the U.S. Departments of Justice and Treasury in conjunction with the company’s pending merger with China Oceanwide Holdings Group Co., Ltd. Prior to joining Genworth (previously known as GE Financial Assurance, a division of the General Electric Company), John was Group General Counsel for SunTrust Bank, responsible for the legal and compliance functions the Bank’s Retail Division. He received his B.A and J.D. from the University of Richmond and completed The Executive Program at the University of Virginia’s Darden School of Business. John also holds FINRA Series 6, 7, 26, 24 and 66 registrations.
John is active in several insurance industry groups. He is a founding member of the Board of Directors and past Chairperson of the Compliance and Ethics Forum for Life Insurers (CEFLI), an association that serves the needs of the life insurance industry’s compliance and ethics professionals. John has also served on various committees of the ACLI, including serving as Chair of the Annuity Suitability Working Group. In his community, John is devoted to Homeward, the planning and coordinating organization for homeless services that seeks to prevent and end homelessness in Central Virginia. He has served several terms on its Board of Directors and is Chair Emeritus.
John and his wife Barbara reside in Richmond, Virginia. They have two adult children and a retriever who is certain that she is their third child.
Senior Vice President, Insurance Chief Compliance Officer Primerica Life Insurance Company Professional Bio
Vickie Bulger was elected to the CEFLI Board of Directors in June of 2020. Ms. Bulger is presently a Senior Vice President and Insurance Chief Compliance Officer for Primerica Life Insurance Company.
She is also the Chief Compliance Officer and a Board Director for its subsidiary National Benefit Life. She has over 30+ years of experience in the insurance industry. Ms. Bulger has been with Primerica Life
Insurance Company since 1988. She is active in the insurance industry and presently serves on the CEFLI Compliance and Ethics Committee, 2011-present. She has also served on the American Council of Life
Insurers (ACLI) Market Conduct Committee since 2014 and the Insurance Regulatory Examiners Society Foundation (IRESF) Board of Directors since 2019. She served on the AICP Annual Conference – All
Sessions Committee (2017 and 2018); and is presently a member of the AICP Gulf States Chapter. Ms. Bulger earned a Master of Public Administration degree from Georgia State University. She has also
earned several insurance industry designations.
Steve Callaway is Senior Vice President and Senior Counsel of Protective Life Corporation in Birmingham, Alabama.
Mr. Callaway is responsible for Protective Life’s compliance and ethics functions and he oversees a team of attorneys and staff that is responsible for supporting Protective’s corporate governance function as well as corporate transactions, including mergers and acquisitions and financing transactions. Mr. Callaway is a member of the executive leadership team that oversees Protective Life’s information security program. Mr. Callaway received his law degree in 1990 from Loyola Law School, Los Angeles, California, magna cum laude, and a Bachelor of Arts degree in 1979 from Auburn University, Auburn, Alabama. Before joining Protective in 1997, Mr. Callaway was an attorney with Skadden, Arps, Slate, Meagher & Flom (Los Angeles, California office).
Megan Claypool is Senior Vice President and Chief Compliance Officer at Athene.
Megan has spent over 16 years in the insurance industry, in both legal and compliance roles. In her current role, she oversees compliance for Athene Holding and Athene’s United States life insurance business, which includes oversight of suitability, product compliance, complaint handling, agent business practices, market conduct, financial crime and training. Prior to joining Athene’s predecessor companies, Megan was in private legal practice. She earned both her undergraduate and law degrees from the University of Iowa.
Vice President Compliance & Corporate Secretary Sagicor Life Insurance Company Professional Bio
Jim Golembiewski is General Counsel, Vice President of Compliance, and Corporate Secretary of Sagicor Life Insurance Company.
He joined Sagicor in 2010 as Assistant General Counsel and Assistant Vice President of Compliance. Jim’s experience in the life insurance industry also includes 12 years with Jackson National Life, serving there in multiple legal and compliance roles. During his career, Jim has managed the development and operations of: legal, compliance (operational and sales), complaint handling, and claims departments; and information privacy, anti-money laundering, and Rule 38a-1 separate accounts compliance programs. His professional career also includes 10 years working for the Michigan legislature providing analysis on financial services and other business related legislation. He is a graduate of Thomas Cooley Law School and Michigan State University.
George is a managing director in Deloitte Advisory’s Regulatory & Compliance services practice and leads the Life Insurance Regulatory Practice.
George serves clients in the insurance, asset management and securities industries.
George has a broad range of knowledge and experience covering compliance programs and regulatory issues in insurance, broker-dealer and investment adviser matters. He has also helped insurance companies to investigate issues and remediate them with customer and regulators, covering topics such as sales practices and claims. George is a regular speaker at industry conferences and author of articles that have been featured in industry publications.
George has 30 years of industry experience at a global insurance and asset management company where he served as the global chief compliance officer for its US and international insurance and investment businesses for ten years. Previously, he was the CCO for its securities broker-dealer, a full service broker-dealer and registered investment adviser, offering a complete range of securities products. In his four years as its CCO, he helped the firm meet the regulatory obligations arising from its regulatory settlements for sales practices issues with federal securities regulators and the Department of Justice.
George has his BS in Finance and Economics from Georgetown University and his MBA from Rutgers Graduate School of Management.
Maureen Henderson is counsel at BrownWinick law firm in Des Moines, Iowa.
Maureen joined BrownWinick after over 25 years of being an in-house attorney and chief compliance officer with three major insurance companies: The Hartford, Aviva USA and Global Atlantic Financial Group. During her tenure with these insurance companies, she designed, built and implemented new compliance organizations based on managing risk with the business strategy. Maureen has substantial experience in all aspects of life insurance compliance and risk management including sales and distribution oversight, operations, product and program development, third party administration due diligence, oversight and supervision. Maureen has deep knowledge of the life insurance business and a practical approach problem solving balancing risk and reward. Building relationships with both life industry leaders and state regulators has been a key ingredient in her successful career.
Vice President, Counsel & U.S. Chief Compliance Officer John Hancock Financial Services Professional Bio
Mitchell Karman is Vice President, Counsel, and US Chief Compliance Officer for John Hancock Financial, the U.S. Division of Toronto-based Manulife Financial Corp.
He is responsible for overseeing compliance operations in the Company’s business units and broker-dealers. Among his responsibilities, Mr. Karman manages the Company’s handling of state market conduct examinations, privacy issues, regulatory compliance, testing and monitoring, and the Company’s anti-money laundering program.
Mr. Karman joined John Hancock in February 2005. Prior to joining John Hancock Mr. Karman was employed in the Law Department and Compliance Department for MetLife and its affiliate New England Financial. Among his roles at MetLife, Mr. Karman was Associate General Counsel providing legal support for MetLife affiliates New England Financial and General American, and he served as Chief Compliance Officer for New England Financial and its broker-dealer New England Securities.
Mr. Karman received a B.S. from the University of Maryland and a J.D. from Boston University School of Law. He holds FINRA Series 7 (General Securities Representative) and Series 24 (General Securities Principal) licenses.
As Chief Ethics and Compliance Officer (CECO) for Allianz Life Insurance Company of North America (Allianz Life®) and Allianz Life Insurance Company of New York (Allianz Life® of NY), Steve Koslow is responsible for leading efforts to build and sustain a strong ethical culture and helping ensure the company meets regulatory and corporate expectations for market conduct.
Koslow leads the ethics and compliance programs for the insurance, wholesale broker/dealer, and
investment advisory businesses.
Prior to joining Allianz Life, Koslow was CECO with CUNA Mutual Group and held leadership roles in compliance with PricewaterhouseCoopers, where he helped insurance companies formalize their ethics and compliance programs. He also held various attorney roles with MetLife and the law firms of Schiff, Hardin & Waite and Holland & Hart. Koslow earned a Bachelor of Science degree and a Master of Arts degree from the University of Wisconsin, Madison. He holds a Juris Doctor from Northwestern University School of Law in Chicago, IL.
Executive Vice President and General Counsel Homesteaders Life Company Professional Bio
Marla is Executive Vice President – General Counsel for Homesteaders Life Company, West Des Moines, Iowa.
She received her Juris Doctor degree from University of Iowa College of Law With Honors, and her undergraduate degree from Drake University in Des Moines, Iowa.
Prior to working as in-house counsel, Marla was engaged in the private practice of law in Washington State and Missouri for over 20 years concentrating on corporate law and tax matters before relocating back to Des Moines in early 2003 to join what was then known as the AmerUs Group (formerly known as Central Life Company and later known as Aviva USA) as a director in the Advanced Markets department, ultimately becoming Senior Vice President and Associate General Counsel in the legal department. Marla joined American Equity Investment Life Insurance Company (AEL) in June 2008 and was promoted to Chief Compliance Officer, Associate General Counsel. After the death of American Equity’s CEO, Wendy Carlson, in mid-2012, Marla left AEL to join Homesteaders Life Company. As EVP-General Counsel, Marla heads up both the Legal and the Compliance Departments at Homesteaders Life and is responsible for all compliance functions as well as General Counsel duties.
Marla obtained her CLU designation in 2004 and ChFC designation in 2005. She is a member of the Iowa State Bar Association, and the Missouri State Bar Association. She holds FINRA Series 7, 24, 63 and 65 licenses (currently inactive). She has been a CEFLI Board member since 2012 and is a frequent speaker at CEFLI and other industry events. She is also a two-time member of the Board of Directors of the Des Moines Metro Opera.
As Chief Compliance & Ethics Officer, Mr. Lucido oversees the compliance and ethics programs for MassMutual and its domestic and foreign operations, which includes various insurance, retirement and asset management businesses.
Prior to assuming his current position as Chief Compliance & Ethics Officer, Mr. Lucido was Vice President and Associate General Counsel at MassMutual’s investment management affiliate, Babson Capital Management LLC, responsible for providing legal support on all regulatory, compliance and corporate governance matters.
Prior to joining MassMutual in 2006, Mr. Lucido served as First Vice President and Senior Counsel at Merrill Lynch Investment Managers, the asset management division of Merrill Lynch & Co, Inc., which he joined in 1995. Before that, Mr. Lucido was an associate attorney at Dilworth Paxson LLP in Philadelphia where he practiced corporate and securities law. Mr. Lucido received an A.B. in Business Economics from Brown University and a J.D., cum laude, from the University of Pennsylvania Law School.
Timothy J. O’Driscoll counsels insurance industry clients on a broad range of litigation and regulatory matters.
A seasoned litigator, Tim defends insurance companies in high-stakes coverage and extra-contractual disputes in state and federal courts across the country, involving life, long-term care, annuity and property and casualty policies. He has successfully resolved numerous complex cases, winning jury trials, dispositive pretrial motions, arbitrations and appeals and securing favorable settlements. Tim also advises insurer and broker clients on regulatory issues and compliance and regularly speaks to organizations across the country on topics including cost of insurance, structured settlements, the secondary life insurance market, unclaimed property and insurer insolvency issues.
Managing Counsel and Chief Compliance Officer Thrivent Professional Bio
James M. Odland, Vice President and Managing Counsel, Insurance Law and Compliance, Thrivent Financial for Lutherans, since August 2005.
Jim is the managing counsel for the Insurance Law and Compliance Group for Thrivent Financial for Lutherans. The Insurance Law Group is responsible for all legal aspects pertaining to the manufacture of fixed and variable insurance products and operations issues that might arise from the sale of these products. The group prepares registration statements for variable life and variable annuity unit investment trusts with the Securities and Exchange Commission, along with various periodic reports. The group is also responsible for legal aspects regarding product design of fixed and variable life and fixed and variable annuity contract forms, as well as health insurance. Jim also acts as liaison in connection with regulatory examinations and inquiries, to ensure compliance with federal and state laws and regulations.
Jim is also Thrivent’s Chief Compliance Officer for Thrivent’s Insurance Operations including all fixed and variable life insurance and fixed and variable annuities, as well as health insurance products. Jim’s responsibilities also include Communications Compliance.
Prior to rejoining Thrivent in 2005 (Jim was with Lutheran Brotherhood for 13 years), Jim was employed by a number of financial services and insurance organizations including Allianz Life Insurance Company of North America, Woodbury Financial Services, Inc., American Express Financial Advisors (now Ameriprise Financial), and ReliaStar Financial Corp. (now a part of ING Group).
Vice President and Chief Compliance & Ethics Officer Pacific Life Insurance Company Professional Bio
Ms. Pacheco is responsible for the enterprise-wide compliance and ethics program at Pacific Life Insurance Company.
She is a Certified Public Accountant (inactive) and holds FINRA series 6 and 26 registrations. Ms. Pacheco is a member and past chair of the American Council of Life Insurers (“ACLI”) Market Conduct Committee, a board member of the Compliance & Ethics Forum of Life Insurers, and a member of the Investment Company Institute. Ms. Pacheco joined Pacific Life in 1990 as a member of the Corporate Audit Department and was promoted to Assistant Vice President in 1997 and Vice President in 2002, as head of the Corporate Audit Department. In 2003, Ms. Pacheco became Vice President and Chief Compliance Officer and formed the Corporate Compliance Department. In 2004, Ms. Pacheco assumed the role of Chief Compliance Officer of Pacific Select Fund and Pacific Funds.
Ms. Pacheco received her MBA and BBA in accounting from the University of Hawaii.
Wayne Smiley is a Senior Director, Senior Compliance Officer at TIAA.
Wayne provides subject matter expertise for Insurance Compliance matters, and he is the Chief Compliance Officer for TIAA-CREF Life Insurance Company and the TIAA Insurance Agency.
Wayne has 30 years of experience in the financial services industry, primarily focused on Insurance matters. His experience includes broad-based compliance, legal, risk management, claims, reinsurance and litigation management work.
Wayne joined TIAA in July of 2006. Immediately preceding TIAA, he was an Assistant Vice President at Fidelity & Guaranty Life Insurance Company, where he was the Chief Compliance Officer, Chief Privacy Officer and, for a year on an interim basis, the Chief Risk Officer. Wayne’s primary function was leading the company’s Corporate Compliance Program, which also included maintaining compliance oversight of its foreign subsidiaries.
Prior to his tenure at Fidelity & Guaranty Life Insurance Company, Wayne held various compliance management and operations-level positions at Legal & General America, United States Fidelity & Guaranty Company, Royal Insurance Company, and the Travelers Corporation.
Wayne has served on a number of industry committees and associations, having been most active with the Compliance and Ethics Forum for Life Insurers (“CEFLI”), where he is a current member of CEFLI’s Board of Directors, the American Council of Life Insurer’s Compliance and Legal Section – where he previously served as Section Secretary and Vice President – and the Association of Insurance Compliance Professionals (“AICP”).
Wayne holds a B.A. from the University of Alabama, and a J.D. from the University of Maryland School of Law.