Risk Management

4structures.com, LLC Settlement Consulting and settlement planning services. Structured settlements, structured sales, structured celebrity endorsement fees, structured settlement annuity brokerage and the placement of related products as part of innovative applications and periodic payment solutions for the resolution of complex litigation claims in jurisdictions throughout the USA and on select projects outside of the USA.



FINRA Series 7 63 and 66

Ins. Licenses held in AL AZ CA CO CT DE FL, GA, HI, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NY, NV, OH, OK, PA, SC, TN, TX, RI, UT, VA, VT, WA, WI, WV & DC.

911 Consulting specializes in Emergency Preparedness, Training, Drills and Exercises for corporations, campuses and medical facilities. 911 Consulting gives you practical solutions for preventing likely incidents, preparing for emergencies, responding to a crisis and resuming operations. We create a custom emergency plan, train your personnel, and stage drills to make sure you're ready.

Bo Mitchell was Police Commissioner of Wilton, CT for 16 years. He retired in 2001 to found 911 Consulting which creates emergency, disaster recovery and business continuity plans, training and exercises for organizations like GE Headquarters, Cablevision, Goodrich, Western and Central Connecticut State Universities. He serves clients headquartered from Boston to LA working in their facilities from London to San Francisco. Bo has earned 16 certifications in homeland security, organizational safety and security. He also serves as an expert in landmark court cases nationally.

Bo is a Certified Emergency Manager, a Certified Business Continuity Professional and Certified in Homeland Security.

Professional Designations: CEM, CPP, CBCP, CHCM, CHSP, CHS-V, CSSM, CSHM, CFC, CIPS, CSC, CAS, TFCT3, CHEP, CERT, CMC.

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MCS Associates is a nationally recognized consulting group that has provided financial, operations and regulatory/compliance consulting services nationwide to financial institutions, insurance companies and regulatory agencies as well as real estate and financial services organizations for over 30 years.

Expert Witness and Litigation Consulting are a primary focus of our services. We undertake expert witness assignments throughout the United States and our clients include several hundred leading law firms around the country, working on behalf of both plaintiff and defendant financial institutions, borrowers, depositors, investors, developers, insurance companies and their insured, securities/insurance/real estate brokers/agents, regulators and government agencies, and individuals.

Together with MCS Associates’ specialized resources in banking, financial services and real estate, we also draw on key strategic alliances in insurance, economics, academia and the securities industry to meet a wide range of expert witness needs. Our litigation experts include experienced bankers, lenders, consultants, regulators, managers, brokers & agents in insurance, real estate, and securities; insurance claims and underwriting managers; economists, accountants, appraisers, real estate analysts, and academics.

Areas of Expertise Include:

Banking Operations/Administration

Check Fraud

Lending Policies, Custom and Practice

Loan Underwriting & Credit Administration

Sub Prime Loan Originations, Underwriting, Securitizations & Servicing

Bankruptcy, Foreclosures and Workouts

Trust & Fiduciary Issues / Operations

Securities Brokerage & Investments

Valuations & Damages Analysis

Forensic Accounting

Employment / Compensation

Real Estate Brokerage & Management

Title Insurance & Escrow

Real Estate Appraisal & Transactions

Insurance Industry Custom & Practice

Insurance Coverages / Claims Handling

Insurance Bad Faith

Allan Windt specializes in the areas of Insurance Coverage, Duty to Settle and Bad Faith. In over 30 years in the insurance business, he has handled more than 10,000 claims for more than 70 insurance companies and hundreds of insureds in all 50 states. Mr. Windt has served as an expert witness in dozens of states.

He is the author of Insurance Claims & Disputes, Representation of Insurers and Insureds, West, 1982 first edition, 1988 second edition, 1996 third edition, 2001 fourth edition, and 2007 fifth edition. Mr. Windt's books have been cited as authoritative by more than 300 courts throughout the country.

Analysis and Inference, Inc., led by William B. Fairley, Ph.D., provides compelling statistical analysis for corporations, government agencies, non-profits, and law firms. Dr. Fairley, a widely published author in statistics and economics, is skilled at presenting complex ideas to non-experts.

Expertise Includes: Data Analysis, Regression, Probability, Sampling, Statistical Significance and Validity, Surveys, and Modeling in areas such as Discrimination, Employment and Compensation, Insurance Losses, Risk Analysis, Product Liability, Theft and Fraud, Contract Disputes, Education, School Finance, Public Policy, Audit Disallowance and Damages.

Services Include:

Risk Analysis - Statistical, probability, and related financial analyses for risk, accidents, and health

Audits, Surveys, Theft and Fraud - Determination through statistical sampling and modeling of amounts of monies recoverable in audit disallowances, large-scale thefts, and fraud, etc.

Discrimination - Analysis of data, treatment of questions of statistical significance and validity, and development of models relevant to a wide range of discrimination claims in employment or in municipal services, housing, and other areas by age, sex, race, etc.

Liability and Damages - Statistical analysis and related economic aspects to address alleged harm or specific damages

Finance, Regulation and Insurance - Statistical analysis and related aspects of finance theory and economics in issues such as price discrimination, royalties, real property valuation, investment risk and return, regulated rates of return, and risk classification in property-liability insurance

Public Policy - Examples are school funding mechanisms, hazardous materials management, economic regulation, and discrimination

Dr. Michael J. Fagel, PhD, CEM has over 30 years of broad based experience in a variety of fields relating to Emergency Management and Business Continuity. He provides specialized assistance in OSHA compliance assistance and training in Disaster Management, Emergency Response as well as Occupational Safety and Health.

Aurora Safety has extensive experience in litigation guidance drawing from decades of experience in all phases of safety and emergency response and planning. They provide guidance to attorneys and insurance companies on a variety of topics and offer effective evaluations regarding the many facets of each case.

Dr. Fagel provides expert witness services to cases in across North America. He has served various Federal Agencies providing Occupational Safety Services at disaster sites. He also was EMS coordinator for the fire rescue division in North Aurora, as well as serving as an officer in the local fire service. Dr. Fagel currently teaches industrial safety and emergency medical services at several college locations and lectures at various professional trade conferences throughout the country. He offers Expert Witness Services and Litigation Support to attorneys representing both Plaintiff and Defense.

Areas of Expertise:

• Disaster Management and Recovery
• OSHA Compliance
• Voluntary Protection Programs (VPPs)
• Fire, EMS, Disaster Management
• Site Inspections
• Training Assessment Management and Development of Safety Programs
• Critical Incident / Crisis Management Site Inspections
• Safety Audits

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Randall McCathren is a national authority on Retail Vehicle Leasing and Financing. As President and General Counsel of BLC Associates, he specializes in auto finance and lease regulatory compliance, wholesale lending; residual risk management, residual value insurance auditing and analysis, financial analysis and modeling of portfolio performance, lease and loan program design, and end-of-term lease remarketing and telemarketing.

Mr. McCathren is a frequent Expert Witness, representing Plaintiff and Defense, in auto leasing and finance-related litigation including dealer finance and insurance sale practices. He is experienced in contractual and tax aspects of leasing. In addition, he is an expert in auditing lease documentation and lease and loan pricing models.

Expert Witness Services:

• Violations of Reg. Z, Reg. M, State Motor Vehicle Retail Installment Sale Acts, Unfair and Deceptive Acts and Practices
• Damage calculations related to varied loss theories of these aforementioned statutes and regulations
• Lease and Retail Installment Sale Contract (RISC) portfolio modeling including delinquency, loss and recovery projections
• Lease residual value loss modeling
• Interpretation of complex industry business contracts and modeling of alternative interpretations with large portfolios

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Brian Welder is a Wilderness Outfitter who has been Training Horses, Guiding Hunters, Western Trail Riding, and Outfitting for over 40 years. He is President of the Northwest Colorado Outfitters Association, a Member of the American Equine Alliance, and an Outfitter Member of the Rocky Mountain Elk Foundation. His experience comes from guest ranches, cutting horses, 26 years of self-employment as a guide/outfitter and has probably learned as much or more being under a horse with 27 years as a professional farrier.

Mr. Welder owns 60 horses and owns and operates Welder Outfitting Services in the Flattops Wilderness and Maroon Bells Guide and Outfitters in the Maroon Bells Wilderness of Colorado, operating under Special Use Permit by the U.S. Forest Service. Additionally, he is an Outfitter Member, past VP, and current Secretary of the Colorado Outfitters Association and has 5 years experience with performance horses and has provided over 1,000 sleigh / wagon rides.

Welder Outfitting Services and Maroon Bells Guide and Outfitters provide team building opportunities, retreats, and workshops for clients including individuals, research groups, organizations, and institutions. They offer horseback riding, hunting, fishing, camping, and pack trips in the Flat Tops and Maroon Bells Wilderness in Colorado's White River National Forest - all from the back of a horse.

Mr. Welder's outfitting experience and case history qualify him to provide expert legal testimony for equine related issues including Horse Safety, Horse Behavior, Horse Accident Reconstruction, and Equipment Cases.

Joel Finard is an Expert Witness in Financial Services Litigation. He has extensive knowledge of People, Processes and Technology in Financial Services. Mr. Finard has played a key role in many Complex and High Profile Financial Services Litigation.

Areas of Expertise

Financial Services Litigation

Complex Structured Transactions - Tax Related Cases

Securities Trading and Pricing, Derivatives, Controls and Hedging

Market & Credit Risk Management

Investment Management

Background: Partner in charge of Deloitte & Touche's Capital Markets Practice for Financial Services - including Litigation Consulting, Financial Risk Management, & Trading Infrastructure. HongKong Bank - Sales & Trading of Securities. Travelers Insurance - Portfolio Manager of Derivatives and Investments. Columbia Business School - Taught Economics

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The CECON Group: Experts at Finding Technical Experts

• Specializing in science, engineering, and technical business issues
• Clients range in size from solo practitioners to Am Law 50 firms
• Free custom searches
• Technical staff with industrial experience to help you find the right expert
• Providing expert witnesses since 1985

Our staff has firsthand experience delivering expert reports, being deposed, and testifying in court. We will locate, vet, and introduce expert witnesses based on your specific requirements.

Practice Areas offering more than 200 Engineering and Science Disciplines:

Biotechnology Compliance Chemical Analysis Energy / Alternate Energy Fire Forensic Investigation Hazardous Materials Materials & Analysis

Medical Devices IP & Trade Secrets Pharmaceutical Process Engineering Polymers / Plastics Product Liability Safety / Risk Assessment Technical Due Diligence Toxicity & Drug Abuse

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