About Strategic Decision Solutions

Founded in 2016 as an enterprise risk management consulting firm, Strategic Decision Solutions has grown into a team of seasoned risk and strategy practitioners that deliver lasting results to common and not-so-common insurance industry challenges.

Tired of jumping from one problem to the next?

Ready to find long-term solutions to your most pressing risk and strategy challenges?

The collective multi-disciplinary background of enterprise risk management, finance, internal audit, and operations, among others, coupled with on-the-ground experience during turbulent insurance markets, enables SDS to provide insurers and supporting entities like MGAs and third-party administrators with a fresh perspective and tailored solutions. We work collaboratively with clients, which means that our solutions will always consider your company’s unique history, culture, and needs.

Learn more about individual team members’ experiences and specialties below.

Consultants

Carol Williams

Ron Jordan

Lita Cuen

Jim Mitchell

Neil Novellas

Lewis Williams

Eula Moore

Heather Moldowan

Operations

Justin Overbaugh

Darlene Moragne-Sheaff

Nathan Williams

Ashley Jones

Emily Bronaugh

Jackie Garcia-Morales

Jennifer Hoover

Published In:
Carrier Management Logo
SDS As Seen in Insurance Journal
SDS Client Logo of NAVEX
SDS Client Logo of Demotech

Improving insurance carrier performance, decision-making, and value through creative, transformative risk and strategy solutions.

Subscribe to Receive Weekly Blog Updates

Copyright © 2024 ERM Insights by Carol; d/b/a Strategic Decision Solutions. Privacy Policy.

Location: Florida, United States

Carol’s specialty areas include:

  • Workshop Facilitation 
  • Strategic Planning and Execution
  • Executive Leadership
  • Relationship Management
  • Thought Leadership

Carol

CEO and Principal Consultant

Carol provides expertise in the discipline of strategy and enterprise risk management. After receiving her Accounting degree from the University of West Florida, she began her career in the insurance industry and continued working while earning her Master of Science degree in Risk Management/Insurance from Florida State University.

She has worked in and with the insurance industry for 20+ years in various capacities, including financial analysis, company licensing, financial examinations, data analytics, enterprise risk management, and strategy, first with the Florida Office of Insurance Regulation and later with Citizens Property and Insurance Corporation.

Seeing a need for better decision-making and risk management practices across the industry, Carol started her own consulting firm to help a broader range of companies realize their goals and achieve a level of certainty in a volatile market.

ABOUT CAROL
Location: Michigan, United States

Ron’s specialty areas include:

  • Enterprise Risk Management
  • Corporate Governance
  • Regulatory Compliance
  • Accounting and Reporting

Ron

Ron provides expertise across all facets of governance, risk and compliance, as well as corporate finance. Ron attended the University of Michigan’s Ross School of Business Administration with a concentration in accounting. After graduating with high honors, Ron began his career at a “Big 8” public accounting firm and became a CPA. 

During his seven years in public accounting, Ron served clients in many industries including insurance, healthcare, utilities, and manufacturing. Since leaving public accounting, Ron has served in a variety of roles across the finance, governance and risk spectrum, including controller/CAO, Chief Internal Auditor, and Chief Financial Officer at companies including CNA, Lincoln Financial Group, Hatteras Financial Corp, and FedNat Holding Company. 

Currently, Ron serves as a Consultant with SDS, helping insurance companies in all facets of finance, governance and risk management, including regulatory compliance.

Lita
Location: Florida, United States

Lita’s specialty areas include:

  • Enterprise Risk Management Frameworks
  • Risk Management Information Systems (RMIS)
  • Data Mining, Metrics, and Analytics

Lita

Lita provides expertise in the disciplines of risk management and enterprise risk management. After receiving her degree from the University of Maryland in Information Systems Management, she spent two decades building her expertise in risk management. Lita has a solid history of assisting companies in various industries, including aviation, banking & finance, energy & gas, insurance, offshore renewables, aerospace, and non-profits. She has served in a variety of roles where she led their Risk Appetite transformation and developed their merger and acquisitions risk management process. 

As a consultant with Strategic Decision Solutions, Lita helps insurance companies integrate core risk concepts and methodologies that provide a roadmap of value for their enterprise risk management programs.

Location: Florida, United States

Jim’s specialty areas include:

  • Company Formation / Sunset Strategy
  • Mergers and Acquisition
  • SOX and state compliance in complex environments

Jim

Jim provides Strategic Decision Solutions with experience in outsourcing, fintech, captive development, agency networks, program management, statutory compliance, system selection, and “Go to Market” strategy. He served in a variety of senior roles for Zurich and WR Berkley and was a founder of Risk Retention Pool Managers and OUM Group. Jim has co-managed 24-hour development teams with Indian consulting giant Infosys and China-based Pactera in both waterfall and Agile environments. He has served insurance industry associations including ACORD, the Society of CIC, and the agency network SecureRisk®. His expertise includes Vendor Selection, Enterprise Risk Management, Process Analysis, and Value Realization. His clients have included Alliance, Allstate, Chubb, GenRe, Fireman’s Fund, Northwestern Mutual, Travelers, and VISA. 

Jim is now a Senior Consultant working exclusively with SDS to help insurance companies navigate today’s global financial and technical landscapes.

Location: Florida, United States

Neil’s specialty areas include:

  • Internal Audit Planning and Oversight
  • Risk Assessment
  • Internal Control Design and Implementation
  • Process Improvement / Continuous Improvement

Neil

Neil provides expertise in the disciplines of internal audit, process improvement, enterprise risk management, and business strategy. After receiving his degree from Florida International University in Accounting, he began working in public accounting with PwC. Since leaving PwC, he has held internal audit roles of increasing responsibility at companies spanning several industries. He has worked for both publicly traded and privately held companies of various sizes, complexities, and geographic footprints. For the past 5 years, he has led the internal audit department of a publicly traded property and casualty insurer. 

Now, as a Consultant with Strategic Decision Solutions, Neil helps insurance companies design and implement financial and operational controls, optimize processes, implement a continuous improvement mindset, enhance decision-making practices, and establish enterprise risk management programs.

Location: North Carolina, United States

Lewis’s specialty areas include:

  • Financial Analysis and Statutory Reporting
  • Internal Controls Implementation
  • Forecasting and Planning
  • Strategic Support

Lewis

Lewis is an experienced Finance and Operations professional in the insurance industry. With the CPA, CMA, and CPCU designations, he has an excellent foundation for the challenges of P&L management, GAAP reporting, and statutory reporting. Having begun his professional career at Allstate in the late 1970’s, he learned how insurance companies operate through one of the industry leaders. Through his executive roles at Bank of America and Ally Financial, he received exposure with M&A projects, Six Sigma, expense analysis, vendor management, and identifying growth ventures. More recently, he has been called on to assist start-up companies as well as insurers with reporting issues. As a hybrid Finance/Accounting leader, Lewis is comfortable discussing strategic outlook or closing the books. Whatever the role, he enjoys facing challenges and making impactful changes.

Location: Atlanta, Georgia

Eula’s specialty areas include:

  •  Enterprise Risk Management
  •  Business Continuity
  •  Disaster Recovery
  •  Crisis Management

Eula

Eula Moore provides expertise in the disciplines of Business Resilience and Enterprise Risk Management. After receiving her Bachelor of Science degree from Central State University majoring in Computer Science, she later obtained a Master of Science degree from Boston University in Enterprise Risk Management and have worked in various industries, including Insurance, Financial Services Technology (SaaS), and HR & Payroll Solutions. She served in a variety of roles, including IT Recovery Manger, Sr. Business Continuity Planner, Enterprise Risk Manager and Director of Operational Risk Management where she helped company’s proactively assess and mitigate risks and strengthen recoverability through strong governance processes, progressive recovery exercises. She has worked to increase overall comprehensive resilience solutions to protect organizations in the event of a disaster. 

Now Eula is a SDS consultant who helps insurance companies incorporate best practice for the maturation of enterprise risk management and business resilience programs.

Location: ALBERTA, CANADA

Heather’s specialty areas include:

  • ERM frameworks, governance, program and process design
  • ERM maturity model assessment
  • Risk identification and risk assessments
  • Strategy planning and goal setting

Heather

Heather Moldowan provides expertise in the discipline of strategy and enterprise risk management. After receiving her degree from the University of Victoria in Political Science, she worked in sales and account management for seven years before transitioning to the IT/cybersecurity industry. For over twelve years, Heather worked for two large IT/Cyber Security Services companies—Hewlett Packard/DXC Technologies and Optiv—in roles focused on talent acquisition and management, resource management, operations, and business process management. While there, she successfully led teams and worked with senior leadership to design and implement enterprise-wide processes and programs for the services operations and risk management consulting teams.

In 2021, Heather put her knowledge and passion for business and risk management into practice and began working as a cyber and enterprise risk management consultant, achieving her CISSP and RIMS CRMP certifications. Heather spent two years working for Macy’s, where she designed, developed, and implemented the enterprise risk management program from the ground up.

Now Heather is a Strategy and ERM Consultant with Strategic Decision Solutions, helping clients achieve their objectives through innovative approaches to enterprise risk management and strategic planning.

Justin
Location: FLORIDA, UNITED STATES

Justin

With 25 years of experience in strategy, operations, intelligence, and talent acquisition within the United States Army, Justin brings a distinguished record of leadership to Strategic Decision Solutions. His extensive assignments across Europe, the Middle East, and the United States have honed his expertise in planning, executing, and evaluating high-stakes activities critical to national security objectives. Holding advanced degrees in Defense Analysis and National Security and Strategic Studies, Justin has co-authored numerous articles on the strategic application of intelligence. His perspective on opportunity and risk is deeply informed by experiences where lives are at stake. In his role with the firm, Justin is dedicated to enhancing client satisfaction through the seamless integration of all Strategic Decision Solutions functions.

Location: Georgia, United States

Darlene

Darlene is an accomplished executive assistant with 20+ years of experience in providing comprehensive support for daily operations, large-scale event planning, and strategic initiatives. In previous roles, she thrived in areas of project management, acting as a motivational leader to meet target milestones and surpass performance goals. Darlene’s skillsets help Strategic Decisions Solutions thrive through collaborative management and streamlined process implementation. Darlene loves spending her personal time with her five boys and volunteering with her local church.

Location: FLORIDA, United States

Nathan

Nathan has played a multi-faceted role within Strategic Decision Solutions since its founding in 2016. His primary responsibilities involve increasing the company’s online visibility and building the SDS brand through engaging blog and magazine content. Nathan has worked as a copywriter and ghostwriter for over 15 years helping companies in a variety of industries. Besides ongoing publication and other marketing initiatives, he also assists SDS with a variety of administrative needs behind the scenes. 

In his personal time, Nathan enjoys a wide range of activities, including reading, working out, walking the family dogs, backroads traveling, gardening, and spending time with his wife and son.

Location: Florida, United States

Ashley

Ashley provides Strategic Decision Solutions with expertise in the disciplines of Enterprise Risk Management and Project Management. After receiving her bachelor’s degree from Florida State University in Risk Management and Insurance, she worked in the property and casualty sector for years, including a stint on the regulatory side. She learned project management while working for a $7+ billion P&C insurer where she also put the theory of ERM into practice as a Senior Risk Analyst. Now Ashley manages the portfolio for SDS to help ensure the success of external client engagements and internal projects. In her spare time, Ashley enjoys camping with her family and writing books on faith and cast-iron cooking.

Location: California, United States

Emily

Emily provides Strategic Decision Solutions with expertise in the areas of operations and project management. She has worked in process improvement for years, where she has contributed to developing business controls, policies, procedures, and best practices to maximize client delivery. She thrives in roles that allow her to lead with an empathy-first orientation to the achievement of strategic initiatives. Now as a key member of SDS, Emily helps enable the business by managing all client engagements and creating new tools and resources to better optimize client engagements and internal operations. Emily enjoys spending time with her family and pets, traveling around the world, and being outside with her son.

Jackie, SDS
Location: New Jersey, United States

Jackie

Jackie provides SDS expertise in the disciplines of graphic design and social media management. She has worked in the content creation and marketing industries for 4 years as a freelancer for small businesses, curated e-commerce brands, and media personalities. Her skillsets help Strategic Decision Solutions produce aesthetically engaging and functional graphics. In her personal time, Jackie spends time gardening, baking, and editing manuscripts for aspiring authors.