Professional Summary Executive with a proven track record for achieving goals, building C-level relat ionships, leading

staff to reach excellence and exceed expectations, building a corporate culture that instills pride, cultivates team work, encourages creativi ty and promotes the Company brand. Competencies include Business Development, Strategic Planning, Risk and Client M anagement. Fluent in English and Spanish. Notable Achievements * Proven ability to lead organizations through turnaround, critical startup, and growth strategies. * Grew gross premium from $19 million in 1999 to $1Billion in 2009 at SCOR U.S. * Tactically steered SCOR through 3 rating agency downgrades from 2005-2008 due to parent Company's P&C results. Through proactive leadership and communication s successfully retained all in-force business despite treaty rating triggers. * Spearheaded turnaround effort of Phoenix Life Reinsurance which resulted in im proved operational efficiencies, expansion of client base and market share and s ustainable financial results. Results positioned Phoenix as a top tier industry partner and a leading provider of services in Life, Annuities, Financial, Healt h and Group Reinsurance. * Successfully integrated the acquisition of two companies resulting in a smooth transition of sales treaties, new business, claims, pricing, underwriting, on t ime, within budget and high customer satisfaction. Professional Experienc e Paige Partners, Dallas, TX 2009-Present Consultant Engagements have included life company formation strategies, evaluation of under writing risk guidelines, guaranteed and simplified issue underwriting, distribut ion focus study and product competitiveness projects. Currently working with a m ajor domestic MGA on product development, work flow analysis and risk strategies . SCOR Global Life Re, Dallas, TX 1999-2009 Senior Vice President Hired to launch a Life subsidiary for a Global Life Reinsurance Company. Develo ped and implemented a business and operational plan. Responsible for operationa l development and strategy execution with oversight of Sales & Marketing, Underw riting, Product Pricing, Claims, Contracts, Customer Service and Medical Departm ent. * Grew gross premium from $19 million in 1999 to $1Billion in 2009 by introducin g segmentation, targeting strategies, whole sale partnerships, and one-on-one co aching with Marc Cabrera page 2 team performers enabling year over year account penetration with targeted A+ car riers that by 2009 accounted for 85% of the operational premium. Personally r esponsible for managing several high profile A+ rated accounts that rank among t he top 15 in the industry.

* Developed and implemented risk philosophy and risk evaluation guidelines that focused on delivering consistency and profitability to the bottom line while pro viding a strong value proposition that resulted in meaningful placement ratios a nd year over year increase in case flow. * Developed and implemented internal and external audit procedures, guidelines a nd metrics to retain and expand our competitive value pricing strategy. * Led team to meet departmental goals by implementing exceptional customer servi ce policies that resulted in eliminating redundancies in case work flow, and int roducing process improvements that generated significant savings. * Elevated individual abilities and skills in the department utilizing field tra ining, performance documentation and accountability standards. * Partnered with the Chief Actuary to develop U.S and Latin American pricing gui delines consistent with SCOR's global risk evaluation platform and global financ ial objectives. * Designed, developed and implemented marketing collateral, presentations and cl ient communication that enhanced our marketing efforts, visibility and global br and recognition. * Developed and implemented U.S. and Latin American claims operational procedure s to include peer review guidelines, time service and quality control metrics, a nd the coordination of internal work flow resulting in a claims payment cycle of 24 hours. Phoenix Home Life Re, Hartford, CT 1984-1999 Vice President Promoted to correct operational challenges, improve employee morale, and to crea te a business model that would elevate Phoenix's market position. Managed sales , marketing, underwriting, contracts, technical operations, customer service, me dical department and Latin American Markets. * Revitalized operations by re-structuring, designing and implementing operatio nal processes, developing quality assurance tools and standards, procedures and risk evaluation strategies that generated operational and productivity efficienc ies leading to exceptional customer service, timely processing of business, acco untability, and operational expense savings. * Created and directed a corporate task force to improve and sustain operational excellence. * Overhauled value proposition to reverse declining sales and positioned company as a product leader within a defined market space. Profits increase an average of 25% per year Marc Cabrera Page 3 over a 5 year period by implementing a business plan that identified specific gr owth segments. * Relationship manager for the top 5 producing accounts that generated 35% of th e premium. * Developed a major marketing campaign "Reinsuring your Tomorrows" to kick off o

ur overhauled value proposition. A campaign that was timely and well received ba sed on PR research. * Created a Research & Development unit to conduct market, medical and mortality studies resulting in the introduction of strategic programs that improved the q uality of the business, improved placement ratios, and led to the development of an on line underwriting manual. Education MBA in Finance, University of Hartford, Hartford, CT BS in Business Administration, University of Connecticut, Storrs, CT