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Thomas G. Coulter, FSA, MAAA
President and Actuary |
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Tom has over 20 years of professional experience in the actuarial field. He earned his ASA while working at Colonial Penn and later earned his FSA while working at the Hartford Insurance Group. Prior to starting Coulter & Associates, Tom was a consultant with Johnson & Higgins.
Tom is a Fellow of the Society of Actuaries and member of the American Academy of Actuaries. He is a frequent speaker at actuarial meetings. He holds a BA in Physics from Princeton University.
Contact Tom at tom@coulter-and-associates.com, or by phone at (609) 443-4140. |
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Susan B. Coulter, CLU, ChFC
Principal Consultant |
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Susan has over 20 years of professional contract and management experience. Prior to joining Coulter & Associates, she held management positions with the Hartford Insurance Group and UNUM.
Susan is a Chartered Life Underwriter and a Chartered Financial Consultant. She holds an MSLS from the University of North Carolina.
Contact Susan at susan@coulter-and-associates.com, or by phone at (609) 443-7540.
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Frank Cripps
Sr. Contracts & Compliance Consultant |
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Frank has over 30 years of insurance experience ranging from sales to home office executive management. Prior to joining Coulter & Associates, he was a private contract and regulatory compliance consultant.
Frank began his Compliance career as the underwriting and new business manager at American Integrity, rising to the position of Vice President, Compliance before becoming a private consultant. His expertise covers all forms of health insurance, from base coverages to specialty products. His particular niche is in the senior market area, including long term care. He holds a BA in Social Sciences from Montclair State University.
Contact Frank at frank@coulter-and-associates.com, or by phone at (609) 443-7540. |
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Susan J. Kalmus, MHP, HIPAAP
Sr. Contracts & Compliance Consultant |
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Susan has over 20 years of insurance experience. Her career began in health operations at Blue Cross Blue Shield of RI and she has held positions at Equicor (Cigna) and WellPath Community Health Plans. Prior to joining Coulter & Associates she was a Regulatory Analyst with the North Carolina Department of Insurance working with both the Managed Care and Life and Health Divisions.
Susan has expertise in all health lines of business with special emphasis on managed care operations. She has worked extensively with both fully insured and self-insured products, including TPA operations and MEWAs. Her background includes claims, training, contract auditing and product development. She is a member of the Association for Professional Insurance Women. Susan has earned the Managed Health Care Professional and HIPAA Professional designations. She holds a Masters in Public Administration from the University of North Carolina.
Contact Susan at susank@coulter-and-associates.com, or by phone at (609) 443-1811. |
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Stephanie Young
Sr. Contracts & Compliance Consultant |
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Stephanie has over 20 years experience in the property and casualty insurance industry. Her career began at Prudential Property & Casualty Insurance Company in the areas of Product Development, Pricing, Competitive Analysis and Project Management. Prior to joining Coulter and Associates, Stephanie was a Product Consultant for Allstate Insurance Company.
Stephanie has expertise in all property and casualty lines of business including automobile, homeowners, dwelling fire, watercraft, umbrella, travel and pet insurance. She has earned both the Insurance Institute of America’s Certificate in General Insurance and the Project Management Certification from George Washington University. She holds an AA in Business Administration from Ocean County College.
Contact Stephanie at stephaniey@coulter-and-associates.com, or by phone at (609) 443-7540. |
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Linda Ryan-James
Sr. Contracts & Compliance Consultant |
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Linda has over 30 years experience in the property and casualty insurance industry. Her career began at Prudential Property and Casualty Insurance Company where she managed the Product Development Division and also held management positions in Underwriting, Systems Project Management and Marketing. Prior to joining Coulter and Associates, Linda was a Product Consultant for Perr & Knight.
Linda has expertise in all property and casualty lines of business including automobile, homeowners, dwelling fire, watercraft, umbrella, travel, E&O, D&O and pet insurance.
Contact Linda at linda@coulter-and-associates.com, or by phone at (609) 443-7540. |
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Mark Swercheck
Sr. Contracts & Compliance Consultant |
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Mark brings more than 20 years of insurance experience, starting his career as an Insurance Analyst for the New Jersey Department of Banking and Insurance. He has since been responsible for Product Development at both Parkway Insurance Company and New Jersey Skylands Insurance Company.
Mark has developed expertise in all property & casualty lines of insurance, including automobile, homeowners, umbrella as well as commercial lines. He has developed contract language, marketing collateral, been responsible for statistical reporting, rate level analysis and competitive analysis. He holds a Bachelor of Science in Business Administration from Trenton State College.
Contact Mark at mark@coulter-and-associates.com, or by phone at (609) 443-1811. |
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Vadim Takser
Actuarial Analyst |
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Vadim has over 6 years of professional experience in the actuarial field. His career began at Reliance National as an Actuarial Trainee in the Accident & Health division.
Prior to joining Coulter & Associates, he developed expertise in workers’ compensation insurance while working at the New York Compensation Insurance Rating Board as an Actuarial Assistant. His duties involved processing statistical reports, compiling classification experience, assisting in ratemaking, and implementing various calls and forms for data collection. As part of his day-to-day activities he actively corresponded with carriers, re-insurers, insureds-including small businesses, brokers, and other statistical bureaus.
He holds Bachelor of Science degree in Actuarial Science from St. John’s University, and is currently pursuing actuarial exams.
Contact Vadim at vadim@coulter-and-associates.com, or by phone at (609) 443-6295. |
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