Personal Information

Address:	21 Elizabeth Street Jersey City, NJ 07306
Phone:	646-467-3714

Current Employment

Company:	XL America
Position(s) and Responsibilities:	Vice President and Associate General Counsel Provide assistance and legal advice on all matters (including without limitation regarding contract wording, regulatory, security, collateral, audit, dispute resolution, reinsurance claims, commutations and novations and intermediary issues)to XL America's ceded reinsurance operations and to its reinsurance security department as well to its weather and power outage risk management operations. I also provide legal assistance to the various business units with respect to managing general underwriters and agency related issues.
Address:	One World Financial Center 200 Liberty Street New York, NY 10281
Phone:	212 915-6347
Cell:	646 467-3714
Fax:	212 945-0887
Email:	ernstcharles@yahoo.com

Previous Employment

Company:	XL America
Position(s) and Responsibilities:	Vice President & Associate General Counsel

Company:

Sorema North American Insurance Company

Position(s) and Responsibilities:

Senior Vice President and General Counsel Provided assistance and legal advice on all matters, including such topics as commutations, treaty and facultative wordings, claims, loss portfolio transfers, securitized transactions, corporate and commercial transactions, managing general underwriters, insurance programs, arbitrations and other dispute resolution proceedings and regulatory concerns for the reinsurance operations and the direct insurance operations of the SOREMA organization.

Company:

Crum & Forster

Position(s) and Responsibilities:

Various officer titles within the organization Provided assistance and legal counsel to the business unit responsible for the work out of discontinued operations, including reinsurance recoverables and collections, commutations, reinsurance audits, contract wording issues, coverage disputes and claims litigation. Also provided legal advice and assistance with respect to corporate and commercial transactions, acquisitions and divestitures.

Credentials

Attorney:	Yes
Education:	Attorney at Law License - Delaware
Degrees:	B.A. University of Maryland J.D. Georgetown Law Center

Work Experience

Insurance Company: 22 years

Legal Department: 22 years. Various titles and positions within the organizations, including General Counsel

Reinsurance Company: 7 years

Legal Department: 7 years. Various titles and positions within the organization, including General Counsel

Law Firm (Insurance/Reinsurance Practice): 2 years

Associate: 2 years. Associate

Breakdown of Experience

Asbestos   10% Contract Wording   10% Environmental/Pollution   10% Excess/Surplus Lines   10% Regulatory/Licensing   10%

Third Party Administrator   5% Finite   5% Insolvencies   5% MGA/MGU   5% Captives/Risk Retention Groups   5%

Catastrophes (Property)   5% Commercial Liability   5% Commercial Property   5% Commutations   5%

Insurance vs. Reinsurance: 35/65%
Treaty vs. Facultative Reinsurance: 75/25%
Current Insurance or Reinsurance Company Officer

Mediation Experience

Number of Mediations

As Mediator: None

As Counsel: One

ARIAS Experience

Ethics Training, as Trainee: 1; January 2010

ARIAS Conference Faculty: 1; Fall 2002

Arbitration Experience

Number of Arbitrations

As an Arbitrator: 17
As an Umpire: 7

Arbitrator Experience

Number of Arbitrations

3	Appointed as an arbitrator.
11	Acted as an arbitrator through the organizational meeting or the arbitration has only reached this stage and the resolution of significant pre-hearing motions.
3	Acted as an arbitrator through to final award after completion of an evidentiary hearing of at least one full day and less than three full days regarding the substantive merits of the parties' dispute.

Umpire Experience

Number of Arbitrations

1	Appointed as an umpire.
2	Acted as an umpire through the organizational meeting or the arbitration has only reached this stage.
1	Acted as an umpire through the organizational meeting or the arbitration has only reached this stage and the resolution of significant pre-hearing motions.
3	Acted as an umpire through to final award after completion of an evidentiary hearing of at least one full day and less than three full days regarding the substantive merits of the parties' dispute.

Biography