服务

以风险为中心的财务检查

Noble’s core expertise is conducting financial examinations under the NAIC risk-focused approach. We serve both lead and participating states in many of the largest coordinated examinations in the country, as well as examining captive insurers and risk retention groups and small single—state insurers, 比如农场互助公司. mg官方游戏中心在各行各业都有丰富的经验, 包括生活, 健康, title, 保证人, 还有财产和意外伤害保险.

市场操守审查

We conduct full-scope and target market conduct examinations tailored to the requirements of insurance regulators. 考试涉及各州的具体法规, 规则, 法规, and are conducted in accordance with the NAIC Market Regulation Handbook within the bounds of the examination warrant. mg官方游戏中心在独立的基础上进行这些服务, as well as in connection with a comprehensive financial examination of the insurers. mg官方游戏中心的专业人员有相关的职称, 包括AIE, CIE, 罗马数字, 和A罗马数字, along with meaningful experience conducting market conduct examinations.

再保险服务

Our Reinsurance Specialists assist with the financial examination team’s understanding of reinsurance-related items, 包括风险管理和分配, 再保险理论, 合同规定, 确定风险转移, 保险会计. Regulators have relied on our reinsurance expertise to review complex reinsurance transactions. Our reinsurance specialists have the ARA and/or ARe designation, 加上多年的再保险经验.

监管恢复/清算服务

Noble has a strong track record of assisting insurance regulators with troubled companies. 在金融危机期间, we served as the special deputy to insurance commissioners for receivership, 康复, 并为三家陷入困境的公司提供清算服务. Noble provides regulators with corrective action assistance, and services supporting the liquidation and 康复 of troubled companies. We currently serve as the Special Deputy Receiver for a major life insurance group in one of the industry’s largest troubled situations.

投资评审与分析

Our Investment Specialists have analyzed many of the more complex investment portfolios in the country, 并能快速识别高风险区域, 以及监管机构关注的其他领域. Our Investment Specialists have the prestigious CFA designation, and have a thorough understanding of issues with derivatives, 复杂的资产类别, 资产负债管理, 以及保险公司投资组合中的结构性证券.

信息系统 & 网络安全评估

Our seasoned IT Specialists conduct IT General Controls reviews, 以及应用程序控制程序, 按照NAIC手册的要求. Our IT Specialists have AES and CISA designations as well as other applicable professional designations. Their experience with complex IT environments enables them to produce cost-effective IT reviews and value-added management recommendations. The cybersecurity review by our IT examiners follows the guidance and standards provided by the NAIC and the NIST Framework for improving Critical Infrastructure Cybersecurity. We are familiar with the NAIC Insurance Data Security Model Law, and we have performed engagements to address compliance with the 规则 法规 of numerous states.

Assessments of Corporate Governance, Enterprise Risk Management, and ORSA

Each of our full-scope examinations included obtaining a detailed understanding of corporate governance practices and risk oversight. Our depth and breadth of experience provide unique insight into corporate governance and enterprise risk management. Noble has substantial experience with ORSA from the standpoints of former regulators, 前保险公司高管, 以及作为受ORSA要求约束的公司的审查员.