University of Connecticut School of Law

The University of Texas at Austin

Serve as head of legal, head of human resources, head of internal information technology and information security teams. Provide guidance on a range of issues including regulatory compliance, intellectual property, employment matters, data privacy, and corporate governance.

Resilience

Chief Legal Officer

Develop and lead corporate legal strategy to promote and protect the company's matters
Develop and lead internal compliance and risk management programs
Oversee delivery of legal services and resources to accomplish corporate goals, strategies and priorities
Maintain proper corporate interactions with the relevant local, state and federal governmental bodies
Advise the CEO and other senior corporate officers on a variety of issues
Participate in the formulation of general management policy as a member of the executive management team
Develop, implement, and oversee all Human Resources operations
Develop, implement, and oversee all internal business operations
Develop, implement, and oversee internal IT infrastructure

General Counsel

Digital Partners, a Munich Re company

Acting General Counsel

Draft and negotiate commercial contracts including real estate leases, third party administrator agreements, nondisclosure agreements, producer agreements, and vendor agreements. Advise management and business partners on developments in state and federal laws and regulations affecting operations and products and recommend changes in business processes. Lead all compliance and legal aspects of corporate formation of new admitted underwriting companies. Serve as lead regulatory contact on a variety of issues.

Associate General Counsel

Implement compliance strategies in accordance with the 50 state and federal insurance laws. Manage the Product and Filings compliance team, supporting both admitted and surplus lines products. Review product initiatives for compliance with legal and regulatory requirements. Oversee compliance response process on DOI regulatory issues, objections, IT implications of product launches. 

Accomplishments include:
Customize WeatherGuard product to plain English and for use in new digital delivery platform
Lead all compliance and legal aspects of corporate formation of new admitted underwriting company

Beazley

Senior Regulatory Counsel, Products and Filings Manager

Provide general counsel to all specialty lines of business in the areas of insurance law, regulatory compliance, business law, and e-commerce. Draft and negotiate commercial contracts including third party administrator agreements, nondisclosure agreements, producer agreements, and vendor agreements. Advise management and business partners on developments in state and federal laws and regulations affecting operations and products and recommend changes in business processes. Review all marketing materials for all US business. Review product filings for compliance with legal and regulatory requirements. Respond to state Departments of Insurance (DOI) questions on form and rate filings. Respond to DOI market conduct exams and data calls. Assist with corporate matters, including filings, as necessary. 

Accomplishments include:
•	Speaker, ACI 8th National Forum on Insurance Regulation, Advertising Compliance, 2014
•	Speaker, PLUS Insurance Regulatory Panel, 2013  
•	Revised template producer agreement for use in all US operations.
•	Revised third party administrator agreement for use in all US operations.
•	Negotiated and executed vendor agreement for new OFAC screening vendor; oversaw implementation for global business units. 
•	Provide legal and strategy support for the development, filing and implementation of new and updated specialty commercial products, including drafting amendatory endorsements, reviewing rate plans, and responding to DOI queries

Legal Counsel

Provided general counsel to newly created US accident and health division in various areas of insurance law and regulatory compliance including sanctions (OFAC), Medicare reporting, attorney-client privilege, HIPAA, and marketing requirements for accident and health products. Drafted and negotiated commercial contracts including producer agreements, and vendor agreements. Responded to DOI market conduct exams and data calls. Independently audited internal business units and third party vendors by drafting test plans, analyzing technical data, preparing written findings, and overseeing implementation of remedial actions. 

Accomplishments include:
•	Advised on all internal and third party vendor business processes for new accident and health division and provided regulatory support for product development and implementation of accident and health, disability, and gap medical programs.
•	Increased technical reviews of internal operations and third party vendors by 300%.

Legal Counsel & Compliance Assurance Consultant

Researched applicable insurance law and regulatory compliance requirements for life, accident and health, and disability products. Advised internal clients on a range of issues, including contractual interpretation, producer compensation, and sales strategies. 

Accomplishments include:
•	Individual performance awards: 2009, 2010, and 2011
•	Speaker, AICP Education Day, Domestic Partnership and Same Sex Marriage panel, 2010
•	Researched, reviewed, and advised on proposed reimbursement strategy for complex statutory disability claims which resulted in a $2.2 million savings in 2010.
•	Researched, published, and maintained most widely consulted compliance reference tool in division for four product offerings in three business lines. 
•	Researched all applicable domestic partnership and same sex marriage legislation. Managed cross functional team to implement regulatory requirements, including training, contract language, infrastructure updates, and development of advisory tools.

The Hartford

Senior Regulatory Consultant

Independently audited internal business units and third party vendors by drafting test plans, analyzing technical data, preparing written findings, and overseeing implementation of remedial actions.

Accomplishments include:
•	Individual performance awards: 2007, 2008, and 2009
•	Researched and presented written memoranda on applicable legislation and judicial guidance on topics including direct response television (DRT) advertising, insurance policy readability requirements, and producer licensing. Drafted, implemented, trained, and monitored compliance with policies and procedures.  
•	Increased technical reviews of internal operations and third party vendors year over year by 25%.
•	Developed and implemented quality management program for Compliance department. 
•      Conduct general use state filings for life, disability products.
•      Conduct risk assessments for SSN privacy, shipping, transportation practices. Conduct contract compares, draft third party agreements, administrative services agreements. 
•       Diversity and Inclusion Champion. Develop, conduct training sessions; facilitate diversity and inclusion initiatives.
•       General Counsel for local non-profit agency through The Hartford’s pro bono program.

Senior Compliance Monitoring Specialist

Drafted motions, briefs, sentencing memoranda on topics including tax evasion and criminal prosecution of offenses against children. Conducted preliminary investigations and informational meetings for supervising attorneys.

United States Department of Justice

Intern

Chubb

Auditor

Drafted legal memoranda, pleadings, and briefs on a range of legal topics. Drafted court opinions for Small Claims Commissioner. Conducted preliminary investigations and informational meetings for supervising attorneys. Prepared routine real estate transactions. Represented clients in court hearings.

Mehvish Femia