Enterprise Risk Executive with 20+ years leading commercial auto liability, workers’ compensation, and litigation programs for transportation fleets and Fortune 500 insurers. Proven track record of reducing Total Cost of Risk (TCOR) through early-resolution settlement strategies, TPA transitions, and loss-data analytics—including a $3MM cost reduction on a 3,000-claim enterprise transition. Specialist in nuclear verdict mitigation, $1MM+ exposure management, and FMCSA/DOT compliance.