Underwriting Expert Witnesses

Underwriting expert witnesses and consultants listed here may be able to form expert opinions, draft expert witness reports, provide expert witness testimony at deposition and/or trial as or serve as consulting (non-testifying) experts on underwriting. The underwriting expert witness listings on this page are typically from fields/areas of expertise such as: Banking, Business Damages, Financial, Fraud, Hotel & Restaurant, Insurance, Real Estate, and Risk Management.

View Full Profile

Ty R Sagalow, JD, LLM

Innovation Insurance Group, LLC

Alabama
Insurance - Professional Liability Insurance, D&O Liability Insurance, Management Liability Insurance, E&O Insurance, Cyber Insurance, Property Insurance, Casualty Insurance, P&C Insurance Financial Lines Insurance, bad faith, underwriting, claims, policyholder, Insurance, EPLI Insurance, Directors, Officers
Mr. Sagalow is a well known expert in insurance disputes representing both the policyholder and insurance carrier. He has been retained by most of the largest law firms on "both sides of the aisle." As of April 2024 he has been retained over 150 times (across over 50 different firms) , testified over 60 times including at trial, arbitration and court hearings. While Mr. Sagalow has been retained for a wide variety of insurance matters, his expertise is especially sought after in Financial Lines cases including directors and officers (D&O) insurance and professional liability (E&O) insurance . Mr. Sagalow has been successful in obtaining his policyholder clients over a billion dollars in recoveries as well as successfully saving for his insurance carrier clients hundreds of millions of dollars via successful declaratory judgment actions or trial verdicts. Mr. Sagalow is a 40 year insurance veteran having held the most senior positions in many insurance companies including at ...
View Full Profile

Neal Bordenave, JD, CPCU, RPLU, ARM, AIC

Broker/Agent Standard of Care + Claims Practices

RiskPro Insurance Services, Inc.

Arizona
Insurance, Insurance - Broker/Agent Standard of Care, Bad Faith, Insurance Industry Customs and Practices, Property & Casualty, Life, Annuities, Excess & Surplus, Managing General Agent, Health, Surety, Professional Liability, Underwriting, Claims Practices
More than 35 years experience in the insurance industry. President/CEO of RiskPro Insurance Services, Inc., Professor of Risk Management and Insurance at California State University Chico (Retired 2022) Established Expert Witness Practice in 2009. As of January 2025, more than 500 retentions and testifying in Deposition, Trial and Arbitration more than 100 times. Education includes Juris Doctor (JD), BS Business Administration/Finance. Chartered Property Casualty Underwriter (CPCU) Registered Professional Liability Underwriter (RPLU) Associate in Risk Management (ARM) Associate in Claims (ARM) Licensed Insurance Broker/Agent since 1988 Licensed Oregon Claims Adjuster Primary States for expert work include, California, Arizona, Nevada, Oregon, Washington, Utah, Colorado and Texas
View Full Profile

Ross Mallioux

Banking Expert | Lending & Bank Operations

Ross Mallioux Banking Expert Witness LLC

Fayetteville, Arkansas
Banking, Fraud - Mortgage expert, Lender Liability, Loan Servicing, Documentation, Commercial, Consumer, Bank operations, Banking practices, Banking standards, Compliance, AML BSA TRID RESPA TILA, Underwriting, Internal Controls, Standard of Care, Construction, Elder Financial, Banking Litigation, Bank Management, Bank Expert, Banking Expert Witness
PROFESSIONAL OVERVIEW Banking executive with more than 40 years of hands-on experience in bank operations, management, and lending, including service as President and Chief Lending Officer with direct responsibility for credit decisions, underwriting, loan servicing, and operational oversight. My background includes executive responsibility for commercial lending, consumer lending, mortgage lending, retail banking operations, credit administration, loan underwriting, servicing practices, and regulatory compliance — functions frequently examined in litigation involving financial institutions, lenders, and mortgage companies. I have worked directly with outside counsel in contested matters and have served as a designated bank representative in depositions, regulatory inquiries, and trial proceedings. My experience includes evaluation of loan files, underwriting decisions, servicing records, internal controls, and compliance with generally accepted banking practices and institutional...
View Full Profile

Neal Bordenave, JD, CPCU, RPLU, ARM, AIC

Broker/Agent Standard of Care + Claims Practices

RiskPro Insurance Services, Inc.

California
Insurance, Insurance - Broker/Agent Standard of Care, Bad Faith, Insurance Industry Customs and Practices, Property & Casualty, Life, Annuities, Excess & Surplus, Managing General Agent, Health, Surety, Professional Liability, Underwriting, Claims Practices
More than 35 years experience in the insurance industry. President/CEO of RiskPro Insurance Services, Inc., Professor of Risk Management and Insurance at California State University Chico (Retired 2022) Established Expert Witness Practice in 2009. As of January 2025, more than 500 retentions and testifying in Deposition, Trial and Arbitration more than 100 times. Education includes Juris Doctor (JD), BS Business Administration/Finance. Chartered Property Casualty Underwriter (CPCU) Registered Professional Liability Underwriter (RPLU) Associate in Risk Management (ARM) Associate in Claims (ARM) Licensed Insurance Broker/Agent since 1988 Licensed Oregon Claims Adjuster Primary States for expert work include, California, Arizona, Nevada, Oregon, Washington, Utah, Colorado and Texas
View Full Profile

Bill Burch

San Marcos, California
Real Estate, Banking - Mortgage Lending, Standard of Care, Compliance, TILA/RESPA Regulation, Disclosure, HAMP/Modification, Foreclosure, Underwriting, Residential, Loan Servicing, Real Estate/Mortgage Fraud, Financial Elder Abuse, CA DRE/NMLS Licensing
I have been in the mortgage industry for over 30 years, serving as a loan officer, branch manager, and area vice president. During this time, I have developed a strong base of knowledge and experience in many areas of the mortgage industry. On the origination end, this includes application, disclosure, processing, underwriting, appraisal, & funding. On the servicing end, this includes payment servicing, escrow accounts, modification, HAMP, and foreclosure. I am able to study a case file quickly and thoroughly, and establish a defensible opinion. My writing skills yield a strong written report. And, my public speaking and discussion skills present well in deposition and trial.
View Full Profile

Dante R Tosetti

Regulatory Compliance & Risk Management

Dante Tosetti, LLC

Danville, California
Banking, Financial - Regulatory Compliance, Risk Management, PPP, Paycheck Protection Program, Elder Financial Exploitation, EFE, Credit Risk, Fraud, BSA, AML, Underwriting, Policy, Procedures, Best Practices, Lender Liability, Compliance, Audit, Fintech, Construction, Covenants
Call or text anytime for CV at 650-703-7009.
View Full Profile

Linda Rae Paul

CRE Transaction Experts, Inc.

Sausalito, California
Real Estate, Fraud - Commercial Title, Commercial Escrow, Title Insurance, Underwriting, Escrow Procedures, Fiduciary Duty, Escrow Documentation, Curative Work, Due Diligence, Multi-State Customs and Practices, Escrow Operations, Standard of Care
Linda Rae Paul is the President of CRE Transaction Experts, Inc. She works closely with all segments of the legal community to expeditiously perform escrow and title expert services in a professional manner and provide the most objective analysis in reports and testimony. Specialties include the following: • Escrow and title industry standard practice • Jurisdictional closing customs and practices • Parties to an escrow and what role they play • Escrow instructions – Southern California version • Escrow instructions – Northern California version • Escrow instructions – closing instructions from third parties • Funds and escrow audits • Funds from third parties • Understanding and identifying escrow fraud events • Payoffs – institutional and private • Drafting of documents • Fiduciary duties – escrow holder • Fiduciary duties – title insurer • Improper title clearance • Standard of Care for title and escrow personnel • Interpretation of real estate documents and forms • Interpretati...
View Full Profile

Steve C. Burgess

Proven Life Insurance Claim Expert

The Center for Life Insurance Disputes

Folsom, California
Insurance - life insurance claims, life insurance bad faith, accidental death claim authority, accidental death claims, life insurance, critical illness insurance, critical illness insurance claims, underwriting, material misrepresentations, life insurance claim authority, life insurance investigation, death claims
Steve C. Burgess: I am uniquely qualified to opine on standards and practices within the life insurance industry especially as it applies to the approval and denial of claims, the process of investigation of claims and the standard practices of life insurance companies as they apply to death claims handling. Since 2006, as the president of The Center for Life Insurance Disputes, I've independently represented claimants in the recovery of numerous death claims. This work includes obtaining records from medical institutions, police reports, death certificates, medical examiners, trust documents, financial records, phone transcriptions and other relevant documents. I work with insurance company’s internal and external investigators, legal advisors and claims underwriters to resolve these matters. This work, in addition to acting as an expert witness in several death claim lawsuits, has given me access to multiple insurers claims manuals, claims processes and procedures. I have person...
View Full Profile

Douglas B. Twillman, CFO, CFA, MBA, BS-ME

Commercial Real Estate Expert (Witness) Services

Mill Valley, California
Real Estate, Financial - Financial Planning & Analysis, Underwriting, Due Diligence, Capital Markets, Structured Finance, Syndication, Banking, CMBS Loan, Asset Mgmt, Shopping Center, Mixed Use, Standard of Care, Landlord/Tenant, Investor Relations, Distressed Assets, Receivership, Forensic Accounting, Economic Damage, Lic. CA Broker, Family Law
I provide Commercial Real Estate and Family Law Expert Services with extensive hands-on experience as a real estate investor, asset manager, and fractional Chief Financial Officer. My expertise is grounded in real-world ownership and operations—not theoretical or purely academic analysis—allowing me to deliver clear, supportable opinions that withstand scrutiny in litigation, arbitration, and mediation. My commercial real estate experience spans the full investment lifecycle, including opportunity identification, financial underwriting, valuation, due diligence, capital structuring, debt and equity placement, contract negotiation, leasing strategy, property and asset management, investor reporting, and disposition analysis. I have direct experience evaluating investment performance, cash flow, capital expenditures, operating budgets, and long-term value creation across multiple asset classes. I specialize in complex financial analysis related to commercial real estate disputes, in...
View Full Profile

Key Coleman, CPA, CFA, CPCU

Economic Damages

Litigation Economic & Forensic Consulting Group LLC

New Jersey
Insurance, Business Damages - Economic Damages Expert Witness, General Business Damages, Accounting, Agent/Broker, Employment, Insurance Damages Expert Witness, Lost Profits, Reinsurance Damages, Underwriting, Claims, Force Placed, Managing General Agency MGA/TPA Exams, PEOs, Agent Errors & Omissions E&O, Commercial Disputes, Damages
Key Coleman is a damages expert, who works in a variety of industries. For more than 28 years, Key has focused his efforts on forensics, disputes, economic damages and expert testimony. Key's background is unusual in that he has a deep understanding of many of the functional areas that lead to disputes, including: sales, operations, accounting and finance. One of Key's specialties is the analysis of damages in insurance or reinsurance disputes. He is one of the few experts nationwide who hold both the CPA and the CPCU designations. Key serves clients nationwide from Greater Philadelphia, but spent the bulk of his career in Chicago where he held high level positions at Grant Thornton LLP and LECG/Smart in their disputes practice. Prior to that, he was a Partner at PricewaterhouseCoopers LLP, where for more than 11 years he performed forensic dispute analysis, damages analysis and investigative work. Prior to his consulting career, Key worked more than eight years for an insur...
View Full Profile

Gary Isenberg

40+ yr Hotel Operations & Real Estate Professional

Iron Mountain Hospitality Advisors

New York
Hotel & Restaurant, Real Estate - Hospitality, Business Interruption, Bankruptcy, Renovation, Collective Bargaining, Hotel Operations, Value, Financial, Underwriting, Contracts, Mismanagement, Performance, Partnership, Optimization, Impact, Operations, Receiver, Personal Injury, Guest Service, safety
Mr. Isenberg’s extensive experience in hotel management, hotel operations, hotel finance, and hospitality ownership representation uniquely qualifies him as an expert in a wide range of hotel / hospitality-related operational and ownership matters. Throughout his distinguished career, he has held hospitality leadership roles such as President, Chief Operating Officer, Hotel General Manager, Director of Finance, and Internal Auditor for various diversified hospitality organizations. These roles have provided him with the expertise to address and resolve complex challenges, including hotel management performance, hotel business interruptions, hotel partnership disputes, employee relations, collective bargaining, territorial conflicts, operation performance and contract compliance. Mr. Isenberg has provided litigation support, depositions, and testimony in mediation, arbitration, hearings, and trial settings. His experience covers cases involving ERISA violations, wrongful termination...
View Full Profile

Ty R Sagalow, JD, LLM

Innovation Insurance Group, LLC

Syosset, New York
Insurance - Professional Liability Insurance, D&O Liability Insurance, Management Liability Insurance, E&O Insurance, Cyber Insurance, Property Insurance, Casualty Insurance, P&C Insurance Financial Lines Insurance, bad faith, underwriting, claims, policyholder, Insurance, EPLI Insurance, Directors, Officers
Mr. Sagalow is a well known expert in insurance disputes representing both the policyholder and insurance carrier. He has been retained by most of the largest law firms on "both sides of the aisle." As of April 2024 he has been retained over 150 times (across over 50 different firms) , testified over 60 times including at trial, arbitration and court hearings. While Mr. Sagalow has been retained for a wide variety of insurance matters, his expertise is especially sought after in Financial Lines cases including directors and officers (D&O) insurance and professional liability (E&O) insurance . Mr. Sagalow has been successful in obtaining his policyholder clients over a billion dollars in recoveries as well as successfully saving for his insurance carrier clients hundreds of millions of dollars via successful declaratory judgment actions or trial verdicts. Mr. Sagalow is a 40 year insurance veteran having held the most senior positions in many insurance companies including at ...
View Full Profile

Gary R. Garcia

Casualty Insurance Underwriting Expert Witness

Charlotte, North Carolina
Insurance, Risk Management - Property & Casualty Insurance, Business Insurance, Underwriting, Insurance Coverage, Alternative Risk, Loss Sensitive Rating Programs, Self-Insurance, Umbrella Insurance, Excess Insurance, Reinsurance, Managing General Agents
Gary spent his entire career with insurance carriers, and all job roles included underwriting as part or total responsibility. He served in various Home Office and Field management roles of increasing responsibility, including Regional Underwriting Manager, Regional Executive, Home Office Casualty Executive, Executive Vice President and President/COO. He led the establishment and served as the Executive of a highly successful Property/Casualty Risk Management Division, responsible for large regional and national domestic U.S. and multinational clients. His broad range of expertise was gained through continuous involvement over the course of his career in increasingly complex coverage and program designs for domestic and multinational business. Development and effective management of these business segments required effective multifunctional teamwork including underwriting, actuarial, financial, legal, reinsurance, claims management, risk engineering, and client services. Gary'...
View Full Profile

Gary Isenberg

40+ yr Hotel Operations & Real Estate Professional

Iron Mountain Hospitality Advisors

Wilmington, North Carolina
Hotel & Restaurant, Real Estate - Hospitality, Business Interruption, Bankruptcy, Renovation, Collective Bargaining, Hotel Operations, Value, Financial, Underwriting, Contracts, Mismanagement, Performance, Partnership, Optimization, Impact, Operations, Receiver, Personal Injury, Guest Service, safety
Mr. Isenberg’s extensive experience in hotel management, hotel operations, hotel finance, and hospitality ownership representation uniquely qualifies him as an expert in a wide range of hotel / hospitality-related operational and ownership matters. Throughout his distinguished career, he has held hospitality leadership roles such as President, Chief Operating Officer, Hotel General Manager, Director of Finance, and Internal Auditor for various diversified hospitality organizations. These roles have provided him with the expertise to address and resolve complex challenges, including hotel management performance, hotel business interruptions, hotel partnership disputes, employee relations, collective bargaining, territorial conflicts, operation performance and contract compliance. Mr. Isenberg has provided litigation support, depositions, and testimony in mediation, arbitration, hearings, and trial settings. His experience covers cases involving ERISA violations, wrongful termination...
View Full Profile

Neal Bordenave, JD, CPCU, RPLU, ARM, AIC

Broker/Agent Standard of Care + Claims Practices

RiskPro Insurance Services, Inc.

Bend, Oregon
Insurance, Insurance - Broker/Agent Standard of Care, Bad Faith, Insurance Industry Customs and Practices, Property & Casualty, Life, Annuities, Excess & Surplus, Managing General Agent, Health, Surety, Professional Liability, Underwriting, Claims Practices
More than 35 years experience in the insurance industry. President/CEO of RiskPro Insurance Services, Inc., Professor of Risk Management and Insurance at California State University Chico (Retired 2022) Established Expert Witness Practice in 2009. As of January 2025, more than 500 retentions and testifying in Deposition, Trial and Arbitration more than 100 times. Education includes Juris Doctor (JD), BS Business Administration/Finance. Chartered Property Casualty Underwriter (CPCU) Registered Professional Liability Underwriter (RPLU) Associate in Risk Management (ARM) Associate in Claims (ARM) Licensed Insurance Broker/Agent since 1988 Licensed Oregon Claims Adjuster Primary States for expert work include, California, Arizona, Nevada, Oregon, Washington, Utah, Colorado and Texas
View Full Profile

Gary Stoley

Credit Risk and Lending

Gary Stoley Credit Risk Advisory Services

Trafford, Pennsylvania
Banking - Credit Risk, underwriting, forensic loan fraud, lending policy/procedures, commercial real estate, working capital line of credit, asset based/secured financing, indirect auto, home equity, mortgage, agriculture, farm, foreclosure, collections, regulator enforcement, board governance, Workout, loan operations, BSA AML, Ponzi
My background includes 33 years as a federal regulator, five additional years as a contractor with that regulator, 13 years of consulting with banks and credit unions and eight years as an expert witness. I specialize in evaluation of credit risk and credit related functions. I have extensive experience in community banks and credit unions, mid size banks, and considerable experience in the largest banks in the country. I am available for credit/lending related expert witness work in the menu of items listed above. This includes the cradle to grave life cycle of credit: Policy, procedures, staffing/expertise, underwriting, credit administration, risk management, reporting/MIS, problem loan management/collections, foreclosure/repossession, mortgage assistance programs and collateral/appraisal management. I am experienced in forensic credit related fraud identification, investigation/documentation, referrals to FBI/DOJ/OCC authorities and depositions. I have extensively evaluated int...
View Full Profile

Key Coleman, CPA, CFA, CPCU

Economic Damages

Litigation Economic & Forensic Consulting Group LLC

Greater Philadelphia, Pennsylvania
Insurance, Business Damages - Economic Damages Expert Witness, General Business Damages, Accounting, Agent/Broker, Employment, Insurance Damages Expert Witness, Lost Profits, Reinsurance Damages, Underwriting, Claims, Force Placed, Managing General Agency MGA/TPA Exams, PEOs, Agent Errors & Omissions E&O, Commercial Disputes, Damages
Key Coleman is a damages expert, who works in a variety of industries. For more than 28 years, Key has focused his efforts on forensics, disputes, economic damages and expert testimony. Key's background is unusual in that he has a deep understanding of many of the functional areas that lead to disputes, including: sales, operations, accounting and finance. One of Key's specialties is the analysis of damages in insurance or reinsurance disputes. He is one of the few experts nationwide who hold both the CPA and the CPCU designations. Key serves clients nationwide from Greater Philadelphia, but spent the bulk of his career in Chicago where he held high level positions at Grant Thornton LLP and LECG/Smart in their disputes practice. Prior to that, he was a Partner at PricewaterhouseCoopers LLP, where for more than 11 years he performed forensic dispute analysis, damages analysis and investigative work. Prior to his consulting career, Key worked more than eight years for an insur...
View Full Profile

Jason Koontz, CRC

Banking Expert - Lending, Servicing, Compliance

JD Koontz, LLC

YORK, South Carolina
Banking, Real Estate - commercial loans, residential mortgages, mortgage loan servicing, predatory lending, truth in lending, RESPA, debt collection, underwriting, consumer protection, USPAP compliance, appraisal review, lending operations, foreclosures, disclosure, due diligence, lender liability, risk
Former Senior Vice President with over 20 years of experience in bank lending, cash management, and operations. Deep expertise in banking practices, including commercial and consumer lending, deposit accounts, and mortgage loan servicing. Certified in credit risk. Also, a Certified Residential Appraiser. Retained as an expert witness in over 260 matters nationwide. Engagements have involved banking-related issues, including loan underwriting, mortgage servicing, predatory lending, lender liability, debt collection, truth-in-lending, and consumer protection. Clients include individuals, small businesses, mortgage servicers, and many of the nation’s largest banks. Testified extensively in both federal and state courts, including class actions. Known for clear, credible, and well-supported opinions.