Orange County Chapter
http://www.ocrims.org
January 2015
Newsletter
RIMS Orange County Chapter, 2913 El Camino Real #715, Tustin, CA 92782
President’s Message
by Zareen Morrison
Happy New Year! Here’s to a
great start to a new year. Let
me officially introduce
myself—I’m Zareen Morrison
and I’m proud to be serving my
7th term on the OCRIMS Board
of Directors, this year as the
President. I’m grateful for the
opportunity and look forward
to another successful year in
2015. I want to take this opportunity to welcome
back some of our board members, who continue to
volunteer their time, and to also welcome some new
board members (see back page of this newsletter).
Looking back at 2014, OCRIMS had a very
successful year, which included receiving the RIMS
Award for Best Newsletter (this is our second time
in the last few years), raising almost $10,000
through our Annual Golf Tournament for Cal State
Fullerton student scholarships, raising money and
donating toys for Operation Santa Claus as part of
our Annual Holiday Gala, helping the City of
Garden Grove paint over graffiti-covered walls in
support of its Project GO (Graffiti Off) effort, as
well as co-hosting the Western Regional
Conference. These are just a few things that have
made OCRIMS such a successful chapter. I would
also like to thank our 2014 Chapter President, Dan
Reynolds, for coming out of retirement to volunteer
his time throughout the year. We wish him a happy
retirement and many exciting adventures.
As we begin this new year of 2015, I want to thank
you—our chapter members. You are what make our
chapter such a success. With your feedback, the
OCRIMS officers, board members, and committee
chairs strive to meet the needs of the chapter in all
aspects, including offering exciting monthly
meetings, providing networking opportunities, and
fostering volunteerism. We have numerous
committees, including Golf, Community Outreach,
Education and Membership, to name a few. These
committees work throughout the year, and we can
always use more member volunteers. In addition,
we are always looking for speakers, especially risk
managers. Your actions and dedication will, as in
the past, help the chapter prosper.
Thank you again for your continuing support of our
chapter and let’s look forward to a great 2015 for
OCRIMS! As always, please feel free to reach out
to me or any of the Board members via our Chapter
email, occhapterofrims@gmail.com.
Sincerely yours, Zareen
OCRIMS MONTHLY LUNCH MEETING - TUESDAY, FEBRUARY 10TH:
COMMUNICATING IN A CRISIS
Speaker:
Joan Gladstone, President & CEO of Gladstone International
See details on the next page
Advancing Education, Communication and Professionalism in the Risk Management Community
Tuesday, February 10, 2015
OCRIMS Monthly Lunch Meeting
COMMUNICATING IN A CRISIS
Speaker:
Joan Gladstone, President & CEO of Gladstone International
Time:
11:30 a.m. – Social Gathering/Reception
Where:
Orange Hill Restaurant, 6410 E. Chapman in Orange
Cost:
$25 for members, $35 for nonmembers with reservation by 4:00 p.m. on Thurs., Feb. 5th
$45 for late reservations/walk-ins. (Walk-ins are not guaranteed a meal.)
Noon – Lunch
12:40 p.m. – Program 1:30 p.m. – Adjourn
Online registration is now available for Chapter events!
Click the following link to go to the registration page, where you can enter
your contact information and select the payment method (online or at the door).
Want to go to the head of the line? Pay online, and bring your receipt.
http://events.constantcontact.com/register/event?llr=kbpblmeab&oeidk=a07eaek62hm2f412e4a
Note: OCRIMS will send a follow-up email regarding registration to addresses pulled from the RIMS Message Center database, and your
contact preferences must be set to “Yes” in the database to receive the announcement via email. If you’ve received this newsletter by direct email,
you probably have your contact preferences set to “Yes” in the database, but if you want to make sure, follow the simple steps outlined under
“OCRIMS Database Management System,” as indicated on the next to last page of the newsletter. Contact Zareen Morrison at (714)246-5988
with any questions regarding the registration process.
COMMUNICATING IN A CRISIS‐‐ When a crisis hits, is your organization prepared to quickly and effectively deal with the media spotlight? Are you prepared to harness YOUR media to ensure that your story is told fairly and accurately? Attend the February lunch meeting and you will know the answers to these questions. OCRIMS is really excited about the February program, presented by Joan Gladstone, president and CEO of Gladstone International. FEBRUARY MEETING SPEAKER BIO
Joan Gladstone is a nationally recognized crisis-communications expert, executive
media trainer and speaker. Her goal is to guide corporate, education, nonprofit and
city leaders to communicate effectively during a crisis and emerge with reputations
intact. Since founding Gladstone International in 1989, Joan has served diverse
clients throughout the West. Her first crisis experience was to manage global media
attention of the County of Orange bankruptcy in1994. Since then, she has developed
crisis plans and provided crisis counseling related to workplace accidents, labor
strikes, foreign-object-in-food crises, gas-pipeline ruptures, data breaches, toxic
spills, high-profile lawsuits, political protests, regulatory agency investigations and
more. Over the course of her career, Joan has taught more than 3,500 business, nonprofit and public sector
leaders to successfully manage difficult media interviews. She is a noted speaker who has presented more than
500 workshops and keynotes to professional and trade associations. Joan has received many awards for public
relations excellence and service to the Orange County community. In 2007, she received the Public Relations
Society of America’s highest honor: induction into the College of Fellows. Acceptance to the College of
Fellows is based on lifetime achievement and service to the profession. Fewer than 400 senior practitioners and
educators worldwide have achieved this honor in 30 years.
JANUARY LUNCH MEETING REVIEW-WORKERS’ COMPENSATION CASE LAW UPDATE:
THE GOOD, BAD AND UGLY
by Greg Wren
OCRIMS kicked off 2015 in fine form, as more than 80 risk management professionals attended our
January lunch meeting for the annual workers’ compensation update, this year entitled “The Good,
Bad, and Ugly.” The audience was treated to updates of significant workers’ compensation case
decisions from 2014.
Thomas Bollinger and Scott Tilley from the Law Offices of Parker & Irwin provided the legal
explanation for 12 decisions that impacted workers’ compensation claims in the areas of temporary
disability, discovery, medical-legal, utilization review, litigation and liens. A number of the case
decisions had favorable implications for employers and insurance companies, while others were
decidedly less favorable. Michael Simmons from the Riverside Community College District provided
the employer perspective, with insight into
the impact these decisions will have on
individual claim files and, where possible,
recommendations to improve claims
handling.
Attendees were also provided the
opportunity to win prizes by being the first
to answer questions about Clint Eastwood.
That’s not something you would come
across at a typical update on workers’
compensation issues.
Judging by the many questions that were asked about all matters pertaining to workers’ compensation,
this was a timely topic. Another way to tell that this was a hot topic was the large turnout right after the
holidays. Thanks to our speakers and all those who attended for your participation in this lively and
interesting meeting.
We hope to see many of the same faces, along with new ones, at the February 10th lunch meeting—
Communicating in a Crisis—presented by Joan Gladstone, President & CEO of Gladstone
International. This is sure to be another revealing session.
CONGRESS OVERWHELMINGLY PASSES TRIA BILL
by Caroline McDonald, reprinted from Risk Monitor the official blog of Risk Management Magazine
After a last-minute failure by the Senate to pass the Terrorism Risk Insurance Act (TRIA) in December,
the bill was overwhelmingly passed by the Senate on Jan. 8, with a vote of 93 to 4. The House of
Representatives had voted 416 to 5 to pass TRIA in December. The bill now awaits President Obama’s
signature.
H.R. 26, which is the same as last year’s amended S. 2244, reauthorizes TRIA through the end of 2020.
Under the six-year extension, starting in 2016, there will be phased-in increases to the program’s trigger,
raising it from $100 million to $200 million in annual aggregate insured losses, and the insurer co-share
will be raised from 15% to 20%. The bill also phases in an increase in the aggregate amount of insured
terrorism losses that must be borne by the private sector from the current $27.5 billion to $37.5 billion.
Taxpayer dollars to fund those losses would be recouped post-event.
Several industries were quick to praise TRIA’s passage, as the Senate’s failure to reauthorize the
Terrorism Risk Insurance Act in December left insurance buyers facing renewals on terrorism
coverage with unanswered questions.
The Commercial Real Estate Development Association (NAIOP) praised the bill’s passage, saying,
“This is sound policy because it enables insurers and private sector capital to provide coverage for losses
that otherwise would fall upon the taxpayer. This vital security blanket could help save billions of dollars
that would otherwise be spent in the aftermath of a terrorist attack. Renewing TRIA for six years represents
a major victory for the commercial real estate industry and the millions of jobs and economic growth it
supports. Today’s vote gives developers the peace of mind to invest in an industry that contributed
$376 billion to GDP last year, supported 2.8 million jobs, and produced $120 billion in personal earnings.”
The Coalition to Insure Against Terrorism (CIAT) said in a statement, “CIAT members are pleased the
Senate has acted quickly to approve TRIA reauthorization as one of the first orders of business in the new
Congress. We commend Majority Leader McConnell and Minority Leader Reid for their leadership in
seeing this critical legislation through to completion, and are encouraged by the strong bipartisan support
for reauthorization in both chambers.”
Marsh & McLennan said it “applauds the new Congress for its swift reauthorization of this critically
important public-private partnership, which will help to ensure a reliable marketplace for terrorism
coverage in the event of attack. We are pleased that TRIPRA directs the Treasury Department to review
the protocols for certification which would help to protect the nation’s economic security in the event of a
terrorist attack.”
Leigh Ann Pusey, president and CEO of the American Insurance Association, said in a statement that the
“terrorism risk insurance program will remain in place protecting our nation’s economy, policyholders and
taxpayers. Congress’ timely reauthorization of TRIA will preserve a well-functioning private terrorism
insurance marketplace.” She added, “As with previous TRIA reauthorizations, the primary responsibility
for financial recovery is placed on the private sector in all but the most catastrophic of events.
“Congress’ bipartisan action on TRIA this week will help ensure the continued availability of terrorism risk
insurance, providing stability for the broad range of businesses of all sizes that depend on this essential
coverage,” noted the National Association of Real Estate Investment Trusts (NAREIT). “We strongly urge
President Obama to sign this legislation into law at the earliest opportunity.”
ISO announced that it is filing revised terrorism forms in response to passage of the act. The
revised forms will be for insurer use in most states shortly after President Obama signs the bill,
known as the Terrorism Risk Insurance Program Reauthorization Act of 2015. NEWS FROM RIMS
In our effort to keep the membership informed, we have elected to share the following article pulled
from the RIMS website.
RIMS APPLAUDS GOVERNMENT'S
SWIFT ACTION TO REAUTHORIZE TRIA
Six‐Year TRIA Extension Poised to Stabilize Global Insurance Market RIMS commends Congress and President Barack Obama for their immediate action in early 2015 to
authorize a six-year extension of the Terrorism Risk Insurance Act (TRIA).
RIMS’ leadership offered the following comments in reaction to TRIA’s reauthorization:
RIMS 2015 President Rick Roberts--“After several years of delivering testimony, lobbying and
developing initiatives that allow RIMS members to voice their concerns regarding TRIA’s expiration,
our hard work was finally rewarded. We are thrilled that Congress and President Barack Obama
finally realized that this Federal backstop is more than just an insurance issue. TRIA offers all
organizations that do business in the U.S. financial protections to cope with the very real and unsettling
devastation caused by terrorism, as well as the confidence to remain focused on their objectives.”
RIMS Immediate Past President
Carolyn Snow--“For about three weeks
following the program’s expiration,
brokers, underwriters and commercial
insurance consumers were faced with the
stark reality of the challenge to protect
their businesses and clients from
potentially catastrophic and unpredictable
losses incurred by an act of terror. RIMS
commends our leaders in Washington,
D.C. for addressing this uncertainty
immediately upon their 2015 return and
authorizing a fair extension.”
The Chair of RIMS External Affairs
Committee Janice Ochenkowski-“While there are changes that differed from RIMS’ goals for TRIA, the Society believes that this new
version adequately addresses many of the principles we have supported throughout the reauthorization
process. RIMS External Affairs Committee looks forward to participating in the implementation of
TRIA and subsequent discussions about terrorism insurance.”
EMPLOYMENT OPPORTUNITIES
RISK MANAGER—Realty Income, a San Diego-based real estate
investment trust, is looking to hire a Risk Manger to work in the
company’s legal department and interface with senior management
regarding overall risk management needs, goals and objectives. The
person who assumes this position will be responsible for identifying,
analyzing, and evaluating loss exposures and recommending solutions;
monitoring risk control and financial resources to mitigate the adverse
effects of a loss; providing advice to relevant decision-makers throughout the Company on risk
management matters; and managing work flows and coordinating inter-departmental training,
communications and support for the risk management functions of the Company.
ESSENTIAL FUNCTIONS:
 Leadership and Management – Coordinate workflow, identify issues, provide training and
supervise all aspects of services with Risk Management.
 Policies & Procedures – Develop and maintain all policies and procedures, establish and perform
all audit requirements and ensure compliance.
 Coordination of Insurance Brokerage Services – Identify, oversee and manage relationship with all
insurance brokers, negotiate and review all quotes and policies, and monitor market changes.
 Claims Reporting – Oversee and coordinate all claims, work with in-house counsel as appropriate
and participate in claim defense strategies and resolution. Oversee tracking of claim history.
 Litigation – Oversee all active litigation matters and any related claims, provide support to the legal
department in monitoring active files.
 Certificate Tracking and Compliance – Manage and oversee relationship with third-party certificate
tracking vendor, coordinate electronic filing of insurance certificates.
 Evidence of Coverage – Obtain and deliver certificates and evidences as necessary, oversee any
vendor compliance issues.
 Reporting, Reconciling and Billing Reimbursable – Support Lease Administration in reporting,
reconciliation, billing and collection.
QUALIFICATIONS:
 Bachelor’s degree with proven academic success (JD a plus).
 Minimum of 6 years relevant commercial real estate risk management experience.
 Ability to work effectively with senior management, think conceptually, and interact with others
using strong interpersonal, organization and communication skills.
 Ability to exercise creativity, innovation and resourcefulness to address issues and resolve
problems while promoting effectiveness and efficiency.
 Ability to calculate figures and amounts such as interest, commissions, proportions, percentages
and area. Ability to apply concepts of basic algebra and geometry. Ability to apply concepts such
as fractions, percentages, ratios and proportions to practical situations.
 Ability to read, analyze and interpret a wide variety of routine-to-complex documents and
agreements. Solidly adept and highly proficient at advanced document drafting and negotiating in
specialty field of knowledge, including insurance-related contract provisions and policies of
insurance.
Anyone interested in the position should email a resume to hr@realtyincome.com.
EMPLOYMENT OPPORTUNITIES (cont.)
CLAIMS REPRESENTATIVE—Western National Group, a real estate firm
specializing in multifamily housing, is looking to fill a Claims Representative position
at its corporate office in Irvine.
DUTIES AND ESSENTIAL JOB FUNCTIONS:
 Input and create claim files and follow standard claims-handling procedures.
 Generate reports and maintain claim notes and correspondence regarding claim-file activity and
communications on the claims database.
 Monitor a variety of claim files (first- and third-party property, liability, and litigated claims) and
maintain a daily running diary. Manage file inventory to ensure timely resolution of claims.
 Perform property inspections, including accessing and inspecting all areas of a dwelling or structure.
 Complete field inspection of losses, including accurate scope of damages and written estimates of
damages. Analyze information gathered by investigation and report findings and recommendations.
 Investigate and evaluate all relevant facts to determine coverage, damages and liability of first- and
third-party property, general liability and auto claims; and file claims as needed with carriers.
 Establish timely and accurate claim and expense reserves.
 Communicate with internal departments, claimants, attorneys and insurance companies over the
telephone, in person, and in written correspondence.
 Make settlement recommendations and negotiate claims settlements to avoid litigation.
 Prepare demand/denial letters and draft offer letters and releases. Create statements of loss.
 Ensure signed releases are received prior to issuing settlement funds and create check requests and
request settlement monies from Accounts Payables.
 Follow-up with insurance adjusters, provide information to expedite settlement or insurance
recovery. Coordinate agreed scope/estimate of damages with independent insurance adjusters,
vendors or contractors on large losses.
 Review incoming attorney letters and lawsuits and attend mediations as needed.
 Represent WNG entities at Small Claims court hearings.
 Provide excellent customer service to meet the needs of the insureds, third-party owners, and all
other internal and external customers.
REQUIRED KNOWLEDGE, SKILLS AND ABILITIES:
 Excellent written, verbal communication and oral presentation skills.
 Proficient in Microsoft Office Suite, excellent computer skills and typing ability.
 Aptitude to apply general knowledge of contract, property and/or insurance laws.
 Excellent customer service skills to empathize and deal professionally with claimants.
 Some construction knowledge.
 Some understanding of real estate management.
 High school graduate, with a two-year degree (four-year degree preferred).
 Must have at least five to seven years of claims experience.
Western National Group offers competitive compensation and comprehensive benefits, including
medical, dental, vision, life, flexible spending accounts, 401(k). PLEASE INCLUDE SALARY
REQUIREMENTS WHEN SUBMIITTING YOUR RESUME FOR CONSIDERATION. For
immediate consideration, please visit WNG’s website: http://www.wng.com, complete an online
profile, attach your resume and apply for Claims Representative.
OCRIMS NEWS & HAPPENINGS
OCRIMS EDUCATIONAL SUPPORT ANNOUNCEMENT–
ARM STUDY 54-55-56 AND ERM-57 FREE CLASSES
OCRIMS is pleased to announce that we have entered into an agreement with ARMSTUDYgroup.com
to provide professional training classes to Risk Managers and their staff who wish to attain the ARM
professional exams and designation. Please see details in the attached flyer (next page).
These ARMSTUDYgroup.com classes allow participants to have access to training for each current
ARM textbook. Participants can access the materials 24/7. OCRIMS hopes this new FREE training
tool will encourage busy risk management professionals to take the ARM examinations by eliminating
the major expense of paying for classes.
OCRIMS will be providing the following ‘seats’ using this online study tool:
25 seats- ARM-54
25 seats- ARM-55
25 seats- ARM-56
25 seats- ERM-57
Again, these classes are being provided at no cost to OCRIMS members currently paying membership
dues. The classes will also be a new benefit of membership of OCRIMS.
If you are a Risk Manager and you have risk
management staff designated on your OCRIMS
membership, you will be able to offer these classes to
them. Though the classes are FREE, it must be
emphasized that the OCRIMS member taking the
classes must purchase the accompanying textbook at
their own cost. OCRIMS is unable provide funding for
this significant purchase.
For further information please contact:
Chris Taylor – Board member - (949)824-8772,
christaylorocrims@gmail.com
Michael Simmons – Board member - (951)222-8128,
Michael.Simmons@rccd.edu
BE SURE TO CHECK OUT THE NEW OCRIMS WEBSITE!!
http://www.ocrims.org
OC RIMS
and the ARM Study Group
The OC RIMS Chapter has partnered with the ARM Study Group to provide the
Associate in Risk Management courses for our members. The goal of the ARM Study
Group is to promote professional development among risk management and safety
professionals and to remove the barriers that prevent people from obtaining their ARM
designation. The most significant barriers are usually cost and finding a class that fits
with your schedule. OC RIMS' sponsorship of the courses means course fees are
waived for all active, dues paying members. All courses are offered on-demand,
meaning you can access course materials 24/7 via a secure YouTube channel and/or
download to your mobile device.
ERM 57 is now part of course offerings! For those who already
have their ARM, advanced risk management courses are now
available. For more information visit www.armstudygroup.com.
This offer is restricted to OC RIMS members actively paying dues to the association.
OC RIMS members, please enter “OCRIMS” in the discount code field on the
Registration Fee Waiver page in order to have your registration fees waived.
ARM 54
Risk Management Principles
and Practices
ARM 55
Risk Assessment and
Treatment
ARM 56
Risk Financing
Available On-Demand
Available On-Demand
Available On-Demand
Introduction to Risk Management;
Risk Management Standards and
Guidelines
Hazard Risk;
Operation-al, Financial, and Strategic
Risk;
Risk Management Framework and
Process
Risk Identification
Risk Analysis
Risk Treatment
Financial Statement Risk Analysis
Capital Investment and Financial Risk
Monitoring and Reporting on Risk
Controlling Property, Personnel, Liability,
and Net Income Loss Exposures
Intellectual Property Loss Exposures
Criminal Loss Exposures
Disaster Recovery for Property Loss Exposures
Understanding Claim Administration
Fleet Operations Loss Exposures
Environmental Loss Exposures
Understanding System Safety
Motivating and Monitoring Risk Control
Activities.
Understanding Risk Financing
Insurance as a Risk Financing Technique
Insurance Plan Design
Reinsurance and Self-Insurance
Retrospective Rating Plans
Captive Insurance Plans
Finite and Integrated Risk Insurance
Plans
Capital Market Risk Financing Plans
Forecasting Accidental Losses
Self-Insurance Plans
Purchasing Insurance and Other Risk
Financing Services and Risk Financing
Needs
For more information or to register for a course, visit www.armstudygroup.com.
OCRIMS NEWS & HAPPENINGS
OCRIMS 2015 CALENDAR
On Saturday, January 17th, the OCRIMS officers and Board of Directors met to plan activities, events,
and actions for 2015. In addition to setting dates for meetings and such, the officers and board
members spent a lot of time considering issues and items that would help the chapter continue to thrive
and serve the needs of the membership at large. Here is the calendar of activities approved during the
planning meeting:
Tuesday, February 10—lunch meeting (see details in this newsletter)
Tuesday, March 10—lunch meeting
Wednesday, April 15—evening meeting (5:00 p.m. start–possibly a roundtable)
Tuesday, May 12—lunch meeting (joint meeting with OCASSE)
Tuesday, June 9—lunch meeting
Tuesday, July 14—evening meeting (5:00 p.m. start)
Tuesday, August 11—lunch meeting
(joint meeting with Orange Empire CPCU)
Tuesday, September 15—lunch meeting
Tuesday, October 13—evening meeting
(5:00 p.m. start–possibly a roundtable)
Tuesday, November 10—lunch meeting
Tuesday, December 8—Holiday Gala
GET INVOLVED WITH OCRIMS IN 2015
As mentioned above, the OCRIMS officers and
Board of Directors recently met to set the course of
the chapter for 2015. These dedicated individuals
are making a commitment to make a difference for
OCRIMS. However, they would love to have other
members become actively involved in the chapter,
either by serving on a committee or volunteering
assistance in a general capacity. Quite a number of
you reading this have been actively involved in the
past, and it would be great if you returned to action
in 2015. Also, becoming actively involved is an
ideal way for newer members to reap the full
rewards of membership.
THE CHALLENGES OF THIRD-PARTY DATA PROTECTION
by Angela R. Matney and Brian W. Fannin | reprinted from Risk Management Magazine
During the late Renaissance, it was not
uncommon for a merchant to bet his entire
fortune on a galleon full of cargo traveling
safely from India to Italy through a
gauntlet of pirates, storms and other
dangers of the sea. Today’s employers
face a similarly perilous situation when
they outsource employment functions as
they depend on third-party vendors to
collect, store and process employees’
sensitive personal data without running
afoul of ever-changing data protection
laws. Fortunately, companies can take
certain steps to reduce the likelihood that
vendors will fail to adequately safeguard
their data and minimize their exposure in the event of a breach. By understanding the data they are
obligated to protect and their security requirements, thoroughly vetting vendors, negotiating robust
data privacy and security contracts, and monitoring vendor compliance, businesses can gain a measure
of protection that was not available to the merchant once his cargo ship’s topsail disappeared over the
horizon.
Companies collect and use employee data to carry out many aspects of the employment relationship,
including evaluating job applicants, processing payroll, administering retirement benefits and running
voluntary wellness programs. With the proliferation of cloud-based services, employers are
increasingly choosing to outsource such functions. Employers may assume that their vendors will take
all necessary measures to protect employees’ personal information, but failure to adequately address
data privacy and security issues when selecting and engaging vendors could result in significant
expenses and reputational damage. According to a report released by the Ponemon Institute in
May 2014, the average cost to a company for a single data breach is $3.5 million, and the average cost
per compromised record is $145.
Know your Data and Your Obligations
Generally, data privacy laws afford special protection only to personally identifiable information (PII).
Most statutes define PII (or a similar term) as data or information identifying or linked to an
identifiable person. The problem is that, despite this basic similarity, laws differ in the types of data
they actually protect. Some laws afford protection to specific kinds of information, such as health or
financial data, while others are more flexible in their approach. Many data privacy laws also treat
encrypted or secured data differently.
Processing particularly sensitive PII, such as Social Security numbers, financial information and
medical information, involves greater risk, so classifying the PII according to sensitivity can be
beneficial. A company’s requirements for a vendor that will process highly sensitive PII might be more
stringent than those for a provider responsible for less critical data.
(article continues on next page)
It is also crucial for businesses to understand whose PII they are obligated to protect. Employers’
obligations under data privacy laws do not just extend to current and former employees-the PII of job
applicants, independent contractors and customers must also be protected.
Instead of an overarching privacy regime, the United States operates under a sectoral approach to
privacy, offering protection at the federal level to different types of PII from industry to industry. The
Fair Credit Reporting Act regulates how employers perform background and
criminal history checks on job applicants. U.S. employers that administer
health plans are subject to HIPAA with respect to the health data of plan
participants. And while Section 5 of the Federal Trade Commission (FTC)
Act does not specifically address data privacy or security, it does prohibit
unfair or deceptive business practices, and the FTC has brought
enforcement actions under Section 5 against companies for failing to
reasonably and appropriately protect sensitive PII. The FTC generally
focuses on injury to consumers, but it has brought actions involving
employee data in at least two cases.
Some state laws address sensitive data such as credit and financial information, and provide more
stringent protections than their federal counterparts. While there is no omnibus federal data breach
notification law yet, 47 states and the District of Columbia have statutes on the books requiring
businesses that collect PII to notify affected individuals, the state’s attorney general and the media if
the data is compromised.
Multinational companies face additional compliance challenges. Other jurisdictions operate under data
privacy regimes that differ markedly from the U.S. sectoral system. In the European Union, for
example, privacy is viewed as a fundamental human right, and employees have broad privacy
expectations as a result. These differences can lead to logistical complications in cross-border data
transfers.
The EU-US Data Privacy Bridge Takes Shape
In the midst of trans-Atlantic controversies about data protection, a group of privacy experts is
attempting to iron out the differences between data protection standards in the United States and the
European Union.
Vetting Vendors
Once a business understands the types of employee data that it is obligated to protect and its security
needs, it must ensure that vendors that access PII are able to adequately protect it. Asking certain
questions of vendors early in the process can help eliminate those that cannot or will not comply with
the business’ specific requirements.
It is also a good idea to determine which vendors currently have access to PII and assess their abilities
to adequately protect that data, encouraging high-risk vendors to implement appropriate mitigation
measures. There are a variety of elements to consider:
SOC reports. Can the vendor provide a Service Organization Control (SOC) 2 or SOC 3 report? These
reports, developed by the American Institute of Certified Public Accountants (AICPA) can provide
information about controls related to security, availability, processing integrity, confidentiality and
privacy that can be helpful when evaluated in conjunction with an internal risk assessment.
(article continues on next page)
Safeguards. Does the provider have administrative, technical and physical safeguards in place that are
appropriate, given the sensitivity of the data it will access and the nature of the company’s business? If
so, are the safeguards regularly tested, monitored and updated?
Administrative safeguards include limiting PII access to specific employees, training employees on
data privacy and security issues, and designating a compliance manager. Technical safeguards may
include firewalls, passwords, segregation of client data to prevent unauthorized access by other clients
of the vendor, and encryption of PII that is stored on portable devices. Physical safeguards include
locks on filing cabinets and measures to prevent access to facilities where electronic PII is stored. They
may also include appropriate environmental safeguards, as well as disaster recovery and business
continuity plans.
Policies. What are the vendor’s policies regarding data backup,
retention, off-site storage and destruction? Does the vendor require that
data on flash drives, laptops and cell phones be encrypted? Does the
vendor have policies in place to minimize the risks of third-party cloud
providers? In May 2014, for example, Lowe’s Home Improvement had
to notify 35,000 current and former employees that certain sensitive
data stored by its third-party cloud provider, including Social Security and driver’s license
numbers, might have been compromised for a period of 10 months.
Special issues. Is the vendor equipped to deal with special considerations arising from the types of data
that will be processed or the location of the company’s employees? A flexible spending account
administrator, for example, should have policies and procedures in place regarding access to protected
health information. If the vendor is in the United States and will be processing European employee
data, the vendor may need to have Safe Harbor certification to permit the cross-border transfer. And if
the company has employees in California or Massachusetts, it will need to make sure that vendors can
comply with the rigorous data privacy and security requirements for residents of those states.
Subcontracting. Does the vendor plan to subcontract any of the work? If so, understand how the
vendor will ensure that subcontractors observe company requirements with respect to PII. Also be
clear on whether subcontracted work will be covered by insurance.
Contractual Provisions
Contract clauses addressing data privacy and security can be the subject of intense negotiation, with
each party seeking to minimize its risk of exposure. Service agreements should be customized to
reflect the sensitivity of the PII involved and the employer’s need for security, as well as the size,
nature and resources of each party. It is critical to consider the following:
Safeguards. The service contract should require the vendor to implement specific, reasonable
administrative, technical and physical safeguards and regularly test and monitor their effectiveness.
What constitutes “reasonable” will vary, depending on the size of the business and the nature of the
PII. Mass. and Calif., for example, require vendors to agree to implement security safeguards when
entering into service provider agreements. Such contractual provisions may also reduce the risk of
exposure to an enforcement action under Section 5 of the FTC Act or similar state laws.
Breach notification. Ideally, the vendor should notify its clients of any potential or suspected breach,
not just after it is certain that PII has been compromised. A company will also want to retain control
over how employees are informed. If the vendor simultaneously notifies employees and management
of a possible breach, the organization will miss out on crucial opportunities to prepare employee
communications and ascertain the company’s own responsibilities under applicable laws. (see next page)
Remediation. It is also important to expressly provide that the vendor will reimburse the business for
costs incurred in notifying affected individuals and mitigating damages, particularly when highly
sensitive PII is involved. These costs may not be covered under standard indemnification provisions.
Insurance. More commercial general liability policies exclude coverage for electronic data. Consider
whether it is appropriate to contractually require vendors to maintain technology errors and omissions
insurance and coverage for cyberrisks, including data security breaches.
Oversight. Push for the right to conduct or oversee an audit of the provider’s facilities and practices,
particularly if highly sensitive PII is involved. At a minimum, reserve the right to require the vendor to
provide information addressing its security practices at specified intervals throughout the term of the
agreement. High-risk vendors should be evaluated more frequently.
Termination. The agreement should address what happens to PII after the business relationship ends.
The vendor should return all of the company’s PII or, if appropriate, destroy it and certify the
destruction.
State-specific requirements. State laws and regulations, particularly in Massachusetts and California,
impose additional requirements. Companies that own or license PII of residents of either state must
take “reasonable steps” to select and retain third-party vendors capable of appropriately protecting PII,
and contracts must require vendors to implement and maintain reasonable security measures.
Massachusetts’ requirements include encrypting PII that is transmitted over public or wireless
networks or stored on portable devices to the extent technically feasible. While California law does not
require encryption, the California Breach Notification Law only applies when unencrypted PII is
compromised. This incentivizes companies to encrypt PII of California residents (and, by extension, all
PII they collect and store) and to require the same of third-party vendors.
Monitoring Compliance
Due diligence and contractual safeguards will mean nothing if a business fails to train its own
contracting officers about what to look for in data privacy and security requirements and if the vendor
does not train its employees in how to keep data safe. Exercise any audit or oversight rights granted by
the contract. Establish procedures to verify the identity of third-party vendors that access all systems,
possibly through the use of a third-party digital signature service.
By knowing its rights as a corporate consumer and verifying that a vendor is able and willing to meet
data processing requirements, a business can mitigate some of the risks inherent in outsourcing
employment functions. Just as the seas have become safer for
shipping cargo, one day there may be mechanisms to ensure
that PII is not compromised. Until then, however, attention to
training, compliance, and a written agreement that reflects the
realities of a company’s rights and needs will better position it
to navigate the requirements of privacy and data security under
today’s evolving regulations.
NEWS FROM RIMS
In our effort to keep the membership informed, we have elected to share the following article pulled
from the RIMS website.
RIMS EXECUTIVE REPORT: MANAGING REPUTATIONAL RISK
TO DRIVE STRATEGIC PERFORMANCE
New Report Offers a Step‐By‐Step Approach for Successfully Managing Reputational Risks NEW YORK —Organizations that develop a framework for managing reputational risks are not only
better positioned to anticipate and defend against threats, but can also gain a significant competitive
advantage and unlock new and valuable opportunities – according to RIMS’ newly released Executive
Report “Managing Reputational Risk to Drive Strategic Performance.”
The report explores how risks that commonly contribute to reputational changes can be
effectively managed to drive value through the use of a focused strategic risk
management approach. The report walks risk professionals through a
reputational risk situation, providing instruction on how to apply the
components of the strategic risk management framework to protect and
advance an organization’s reputation.
“Reputational risks cannot sufficiently be handled solely by the control,
compliance and transfer mechanisms of traditional risks,” said author
Andrew Bent. “Managing our reputational risks using the same framework
we use to manage other strategic risks enables risk professionals to better
align our risk approach. Given the velocity and the potential impact of
reputational damage, risk professionals have a tremendous opportunity to
showcase the value they can add by developing a proven process for
navigating these volatile situations.”
Andrew Bent is a Senior Risk Advisor with Suncor Energy Inc. (NYSE/TSX: SU) and a member of
RIMS Strategic Risk Management Development Council. Mr. Bent contributed to the companion
RIMS Executive Report “Understanding Reputational Risk” that was published in 2013.
RIMS Executive Report: Managing Reputational Risk to Drive Strategic Performance is available in
RIMS Risk Knowledge library www.RIMS.org/RiskKnowledge. The report is free for both RIMS
members and non-members.
NEWS FROM RIMS
In our effort to keep the membership informed, we have elected to share the following article pulled
from the RIMS website.
PRICING AND PERSONAL INTERACTION HAVE BIGGEST IMPACT
ON SATISFACTION AMONG RISK PROFESSIONALS
J.D. Power & RIMS Release Commercial Insurance Report Snapshot Large business commercial insurance customers (risk
professionals) are significantly more satisfied when
11 key performance indicators (KPIs)—best practices
that have the most influence on customer
satisfaction—are met by brokers and insurers,
according to the inaugural J.D. Power and RIMS 2014
Large Commercial Insurance Report recently released.
This unprecedented report provides an independent
and objective measure of overall satisfaction levels
among large business insurance risk professionals in
the United States and Canada. The full report, based on
findings of the J.D. Power 2014 Large Business
Commercial StudySM slated for release in February
2015, examines industry-level performance metrics
among large business commercial insurers and
brokers, and highlights best practices that are critical to
satisfying large business insurance risk professionals.
The 11 KPIs focus on three core areas: limiting
customer-reported billing errors and renewal issues;
understanding the customer’s business; and communicating effectively. The report measures risk
professionals’ satisfaction with commercial property, workers’ compensation and auto insurance
providers based on five factors: interaction; program offerings; price; billing and payment; and claims.
Satisfaction with insurance brokers is also measured, based on four factors: ease of contacting;
reasonableness of fees; advice and guidance in selecting program offerings; and timeliness of resolving
contact.
Overall satisfaction is highest for brokers (854). Satisfaction with property insurers is 821, followed by
auto (811) and workers’ compensation (746). Billing and payment is the lowest-scoring factor in the
auto and workers’ compensation indices, and is among the lowest-scoring in the property index.
However, billing and payment satisfaction is significantly lower among workers’ compensation
customers (725) than among property (808) and auto (793) customers. ACE, Arthur J. Gallagher &
Co., FM Global and The Hartford perform particularly well among the large business commercial
insurers and brokers profiled in the report.
(write-up continues on next page)
“Whether the results of the survey were surprising or expected, we hope that it encourages a
meaningful dialogue and actionable performance initiatives,” said Mary Roth, RIMS executive
director. “The primary objective is to foster improved customer satisfaction throughout the large
commercial insurance industry.”
Enterprise risk management (ERM) is becoming a more prevalent risk management function at many
organizations, with nearly 40 percent of risk professionals indicating that ERM falls within their area
of responsibility. Risk professionals who are not responsible for their organization’s ERM function
generally are more satisfied with their insurers/broker than those risk professionals who hold ERM
responsibilities. Overall satisfaction is lowest among risk professionals who are responsible for their
organization’s enterprise risk management (541).
“The report findings suggest that risk professionals who are responsible for ERM are underserved by
insurers and brokers in this area,” said Timothy Bebout, commercial insurance practice leader at J.D.
Power. “There is an opportunity for insurers and brokers to provide greater support and resources to
customers in organizations that use ERM practices.”
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Key Findings
Price is the leading factor driving satisfaction among auto customers.
Interaction is the second-most impactful factor driving overall customer satisfaction with
insurers across product lines, accounting for nearly one-fourth of the overall model used in
each of the product line indices.
Claims frequency influences overall customer satisfaction levels. As the frequency of claims
increases, customer satisfaction decreases. Claims satisfaction is lowest among workers’
compensation customers, among whom 94 percent have filed at least one claim with their
current primary commercial insurer in the past 12 months.
Flexibility in designing and implementing insurance programs is a KPI for which there is
relatively low compliance at 56 percent for property and 50 percent for workers’ compensation.
Overall satisfaction erodes by 138 points and 316 points respectively when this KPI is not met.
Ensuring that an insurance representative, such as an engineer or underwriter, is involved
during both the service interaction and claims processes are two KPIs that drive satisfaction
among property customers. Overall satisfaction erodes by 100 points when an insurer is not
involved during a service interaction.
Providing at least two in-person interactions is another critical performance metric for brokers.
Eighty-one percent of customers indicate they have had at least two in-person interactions with
their broker. Overall satisfaction declines by 73 points among customers who didn’t
have at least two in-person interactions.
The 2014 Large Commercial Insurance Report is based on responses from
nearly 1,000 risk professionals or employees of an organization that provide
oversight or are members of their organization’s risk management team.
Organizations included in the report have at least $100 million in annual
revenue or operating budget, and have purchased a commercial property,
workers’ compensation or auto policy with a profiled insurer or broker.
Have you heard about all of the NEW
we have planned for RIMS '15 in New Orleans?
In addition to 160 education sessions and some incredible keynotes, we've added
more networking opportunities, a charity fun run, expanded on-site amenities, and
a Tuesday breakfast panel event. You probably have money left in your 2014
budget, so go ahead and put it to good use—register for RIMS '15 in New Orleans!
You'll hear from these captivating keynote speakers:
Erik Wahl
The Art of Vision and Author
Simon T. Bailey
Former Disney Executive,
Motivational Coach, and Author
Arianna Huffington
President and Editor-in-Chief of
Huffington Post Media Group and
Author
As a reminder, you must be registered for RIMS '15 before your hotel reservation can be
confirmed. We have reserved select hotels for full-conference registrations and for RIMS
members. Hotel reservations will be processed on a first received basis, and are confirmed based
on hotel availability.
OCRIMS NEWS & HAPPENINGS
RIMS RISING RISK PROFESSIONAL AWARD
Are you a rising risk professional or do you know
an RRP who has demonstrated exceptional initiative,
volunteerism, professional development,
achievement, and leadership potential?
Nominate yourself or recognize someone for RIMS'
new Rising Risk Professional of the Year Award.
Nomination Deadline: January 30, 2015 by 5:00pm (EST)
The winner will be honored on stage at the 2015 RIMS Annual Conference &
Exhibition.
Nominations will be accepted until Friday, January 30th at 5:00pm EST.
Click the link below to learn more:
https://www.rims.org/aboutRIMS/Awards/Pages/RRP-of-the-Year-Award.aspx
SPENCER EDUCATIONAL FOUNDATION SCHOLARSHIPS
The Spencer Educational Foundation’s deadline for full-time student scholarships is January 31.
The Foundation awards $5,000 scholarships to undergraduate students and $10,000 scholarships to
graduate and pre-dissertation students. All scholarships are merit-based. The application portal can be
accessed by clicking the link below:
https://www.grantinterface.com/Common/LogOn.aspx?eqs=aBcdzT88cioJ-xPdG2Dr_h-6roXQ2aTR0&utm_source=Tier+2+-+Copy+of+December+2014+Newsletter&utm_campaign=December+2014+Newsletter&utm_medium=email
RIMS has an extensive schedule of workshops, conferences and networking events
to keep you on the forefront of emerging trends and strategies. Upcoming events!
What Risk Professionals Need to
Know for Setting Customer
Satisfaction Expectations
A Complimentary RIMS and J.D.
Power Webcast
February 11 | RIMS
Applying Enterprise
Risk Management Theory
February 26-27 | New York
Enterprise Risk Management
July 13-15 | Winnipeg
Florida RIMS Educational
Conference
July 28-August 1 | Naples
Harnessing ERM to Tap Risk
Appetite
August 10-11 | Winnipeg
Fundamentals of Insurance
March 9-10 | Orlando
Fundamentals of Insurance
September 8-9 | Philadelphia
Enterprise Risk Management
March 23-25 | San Diego
Contractual Risk Transfer
September 10-11 | Philadelphia
Applying Enterprise
Risk Management Theory
April 25-26 | New Orleans
RIMS Canada Conference
September 27-30 | Quebec
Claims Management
April 25-26 | New Orleans
RIMS 2015 Annual Conference &
Exhibition
April 26-29 | New Orleans
Enterprise Risk Management
May 4-6 | Toronto
Integrating Enterprise Risk
Management and Strategic Planning
May 21-22 | San Diego
Enterprise Risk Management
June 1-3 | Boston
RIMS Legislative Summit
June 8-9 | Washington, DC
Enterprise Risk Management
September 28-30 | New York
Risk Assessment Methods
October 1-2 | Quebec
RIMS Western Regional Conference
October 5-7 | South Lake Tahoe
RIMS ERM Conference 2015
October 25-27 | Chicago
Integrating Enterprise Risk
Management and Strategic Planning
October 28-29 | Chicago
Enterprise Risk Management
November 2-4 | Vancouver
OCRIMS NEWS & HAPPENINGS
HOW TO CHANGE YOUR RIMS PROFILE
Need to update your RIMS profile? Here’s how:
Log onto www.rims.org and scroll down at the Membership tab. In the category that says “My RIMS,”
click on “My Contact Information.”
On the information page, click “Edit.”
At this point if you have not already
logged into your RIMS account, it will
ask you to login. Then update your
information and click “Save.”
OCRIMS NEWS & HAPPENINGS
OCRIMS IS NOW ON LINKEDIN
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OCRIMS is providing multiple ways to stay informed on what’s happening and
also stay connected with other risk management professionals. We’re now using
LinkedIn to share information about the upcoming monthly meetings,
community-outreach events, etc. Haven’t checked out LinkedIn yet? No worries
… no need to be fearful. LinkedIn is a non-intimidating website for a
professional to stay connected to other professionals and join discussions,
groups, etc. as much or as little as you want. Here’s all you need to do to see
what OCRIMS is up to:
Go to your web browser (i.e., Internet Explorer, Mozilla Firefox, etc.) and type
http://www.linkedin.com (or click on the link here).
If you’ve already submitted your info:
1. Click on “Groups.” Type “Orange County Chapter of RIMS “in the “search” on the righthand side (by the blue magnifying glass). Click “enter” on your keyboard or click on the blue
magnifying glass on the right of the search field.
2. When you get to the OCRIMS chapter page, click “Join Group.” You will receive a
confirmation from the group administrator sometime later.
If you haven’t already become a member:
1. Click on “Join Today” and enter your contact information (first name, last name, email, and
then choose a password).
2. Follow instructions in #1-2 above.
Need a little more one-on-one guidance or have a question? Send an email to
occhapterofrims@gmail.com.
FOLLOW OCRIMS ON TWITTER!
Twitter is an online social networking and
microblogging service that enables its users to
send and read text-based posts of up to 140
characters, informally known as “tweets.” Twitter
is a real-time information network that connects
you to the latest information about what you find
interesting. Users may subscribe to other users’
tweets – this is known as following, and
subscribers are known as followers.
Through Twitter, OCRIMS can connect to members and other followers in real time. We can use
Twitter to quickly share information about educational programs, gather feedback, and build
relationships with members, sponsors, etc. Our handle on Twitter is @OC_RIMS, and we’re looking
for more followers! For more details and to become a follower of OCRIMS on Twitter, visit
http://www.twitter.com.
ICEHOTEL FACTS
We had some downright cold days and nights not too long ago, which
will be reflected in our heating bills. However, imagine what it would
be like staying in ICEHOTEL. For those of you unfamiliar with
ICEHOTEL, here are some facts:
ICEHOTEL is the world’s first and largest hotel built of snow and ice.
It is situated in Jukkasjärvi, a small village in Northern Sweden with
1,100 permanent residents.
ICEHOTEL started with an idea to try offering winter experiences in
a part of Sweden that was mostly associated with the Midnight Sun.
Business visionary and entrepreneur Yngve Bergqvist is the founder of ICEHOTEL. The long, cold
winters made Bergqvist look around for new ideas to use what was at hand in Jukkasjärvi – ice and
snow. Bergqvist was inspired by Japanese ice sculpting, and with the help of two professional icesculptors from Japan as instructors, he invited artists to attend a workshop in Jukkasjärvi in 1989.
The following winter saw the first ever ice structure – an especially designed igloo – built as an art
gallery and named ARTic Hall. The following winters, ARTic Hall attracted considerable attention.
It was used not only to display art, but also for church services and film showcases. Bergqvist and his
associates also opened a bar inside the hall. The igloo’s building technique was refined and patented in
Sweden and Norway.
The first party of overnight guests to stay at ICEHOTEL was a specialist survival group of the Swedish
Armed Forces. This was the beginning of what is now ICEHOTEL.
ICEHOTEL is located on the bank of the Torne River, one of Sweden’s longest rivers. ICEHOTEL
borrows several thousand tons of ice from the Torne River. As soon as the winter arrives and the ice
forms a solid lid on the Torne, a section on the river is marked out. All winter this field is kept free
from snow so that the ice can grow thick and clear. Ice from the Torne River is perfectly clear and
completely free from air bubbles, cracks, and sediments. This results in premium quality ice that is an
ideal material to use for sculpting and building. Clear ice has become the signature of ICEHOTEL.
Each winter, some 50,000 visitors from all over the world visit ICEHOTEL.
Approximately 100 people are involved in the construction of ICEHOTEL, half of which are artists
invited to design particular areas of the hotel. The construction is a year-round process. Between
March and April, 5,000 tons of ice is harvested from the Torne River and kept in cold storage during
spring and summer. Construction takes place in November and December, then ICEHOTEL opens and
remains in operation until mid-April.
ICEHOTEL covers the same area each year, but is always different, owing to the work of visiting
artists and designers from around the world.
The Ice Church, located next to ICEHOTEL, opens every year on Christmas day. Couples from all
over the world come to Jukkasjärvi to marry or renew their vows in the church. More than
100 weddings are held every year.
ICEBAR by ICEHOTEL was first set up in 1994 and is the original ice bar. ICEBAR patrons can sip
on a cocktail or have a glass of champagne – the glasses are made entirely out of ice. Like the rest of
ICEHOTEL, ICEBAR takes on a new guise every year, designed by artists from all over the world.
Learn more about ICEHOTEL: http://www.icehotel.com/
CONTACT
PERSON FOR
EMPLOYMENT
OPPORTUNITIES
Cristin McAllister is the
contact person for
employment
opportunities. If you have information or questions
regarding employment opportunities, contact Cristin
at (949)381-4515. With sufficient notice, OCRIMS
will print relevant job openings in the monthly
newsletters.
UPCOMING MEETINGS & EVENTS
OCRIMS Calendar
February 10, 2015
OCRIMS MONTHLY LUNCH MEETING
Communicating in a Crisis
Speaker: Joan Gladstone, President & CEO
Gladstone International
Location: Orange Hill Restaurant in Orange
ARTICLES FOR THE NEWSLETTER
Share your creative solutions, ideas, etc. with the
risk management community by contributing an
article to the OCRIMS newsletter. Articles need to
be submitted to Zachary Gifford by the 10th of each
month to be considered for publication. To submit
an article, please contact Zach at
zgifford@calstate.edu or (562)951-4568. Don’t be
shy; we’d love to hear from you!
GET INVOLVED
WITH OCRIMS IN 2015!
OCRIMS DATABASE MANAGEMENT SYSTEM
OCRIMS maintains its contact database through the RIMS Message Center. To stay abreast of the happenings
in the OC, make sure that you are registered through the RIMS Message Center, that your RIMS profile is up to
date, and that you have selected your desired preferences. You do not even need to be a member of RIMS to
take advantage of this great tool.
Here’s the link:
http://www1.rims.org/eweb/DynamicPage.aspx?webcode=verify. The Chapter affiliation is at the very bottom,
so be sure to choose OCRIMS.
Do you want to contact a member or friend of OCRIMS? The RIMS site allows
messaging to those who are registered. Go to www.rims.org, select 
“Membership,” then  “Member Connections” from the pull-down menu, then
click the link at #4 under “Getting Started.” Or click this link:
http://community.rims.org/RIMS/RIMS/Directory/FindaMember/Default.aspx.
Remember that OCRIMS provides ideal opportunities for you to stay at the
forefront of risk management, and networking is a key component, as is remaining
informed on what’s happening in our industry—the Message Center allows you to
do that. If you have any difficulty with the RIMS Message Center, please contact dianarich@earthlink.net.
Risk and Insurance Management Society, Inc. - Orange County Chapter
Officers
Directors
Committees (cont.)
President
Zareen Morrison
Allergan, Inc.
(714)246-5988
Cristin McAllister
St. Joseph Health System
(949)381-4515
Education
Chris Taylor (see Secretary)
Vice President
Greg Wren
St. Joseph Health System
(949)381-4774
Treasurer
Ron Gray, ARM, CRM
AccentCare Inc.
(949)400-2700
Secretary
Chris Taylor
UCI
(949)824-8772
Past President & RIMS Delegate
Bridgette Castillo, ARM
Western National Group
(949)862-6236
Michael Morgan
Fluidmaster, Inc.
(949)728-2414
Event Planning
Caryn Rinaldini
Law Offices of Parker & Irwin
(714)541-6703
Mike Simmons
Riverside Community College District
(949)399-2180
Executive Sponsorship, Finance
Ron Gray, ARM, CRM (see Treasurer)
Tom Walsh
Sully-Miller Contracting
(714)578-9509
Lisa Wilson
C.J. Segerstrom & Sons
(714)438-3241
Committees
Golf
Mike Simmons (see “Directors” at left)
Membership
Tom Walsh (see “Directors” at left)
Newsletter
Vaughn Shelton
Happy-2-Oblige Writing/Editing
(949)748-8479
Bylaws
Greg Wren (see Vice President)
Zachary Gifford, AIC, ARM
The CSU – Office of the Chancellor
(562)951-4568
Chapter Recognition
Zareen Morrison (see President)
Greg Wren (see Vice President)
Webmaster
Vaughn Shelton (see “Newsletter” above) Community Outreach
Cristin McAllister (see “Directors” above)
DON’T FORGET
FEBRUARY 10TH – OCRIMS MONTHLY LUNCH MEETING
Risk & Insurance Management Society, Inc. 2913 El Camino Real #715
http://www.ocrims.org
Tustin, CA 92782