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Joseph Fritsch, CFE, AIAF, Are
Financial Regulation Senior Advisor
419 South 2nd Street
New Market, Suite 206
Philadelphia, PA 19147
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Mr. Fritsch serves as a Senior Advisor and is a subject matter expert for The INS Companies. His experience includes the oversight of state based and international regulation and solvency, reinsurance, statutory accounting and health issues. He brings a wealth of knowledge to The INS Companies based on over 30 years of regulatory experience and leadership as Deputy Superintendent at the New York Department of Financial Services (NY DFS) and NAIC Chair of the Statutory Accounting Working Group, Chair of the NAIC PC Reinsurance Working group and NAIC Representative at the International Association of Insurance Supervisors (IAIS). Mr. Fritsch has given presentations on the NAIC Solvency Modernization Initiative including ORSA at SOFE and IRES career development seminars. As Deputy Superintendent he represented NY DFS on the NAIC Pilot ORSA Program. He has completed reviews of various ORSA reports from single state insurers to internationally active insurance groups.

As Deputy Superintendent at DFS, Joe was responsible for examining and regulating the financial condition of all property/casualty, financial guaranty, mortgage guaranty, title and health-insurance companies licensed in New York. He also oversaw a broad range of operational and financial matters including demutualizations, restructurings of securities offerings, licensing of insurers and captives and determination of their solvency, and review of Form As pertaining to mergers and acquisitions, affiliate transactions and investments. Mr. Fritsch has significant knowledge of the Form A requirements and evaluating pro forma financial statements. He was integrally involved with approving the restructuring of AIG following the financial crisis.