Biographical Profiles:

Allen Monroe
Jim Gradolph
Marilyn Hill

Joel Chaban

George Harrison
Steve Vance
Nick Rab

Barbara Foster

Consulting and Development Rates

Allen Monroe
Founder and CEO


    Risk Management consultant to Fortune 500 clients for 25 years, specializing in risk management information systems, computer-based analysis, and evaluation of risk-financing alternatives. Organized over 20 successful mutual and captive insurance companies, with assets exceeding $1 billion.


    Risk & Insurance Magazine. Technology Editor. Since 1995, have provided regular columns and feature articles pertaining to technology and risk management information systems.

    Marsh & McLennan, Inc., San Francisco. 1986-94. Vice President, Pacific North Region. Provided analytical services to the region's key clients, supporting revenue base of $100 million.

    Reed Stenhouse, Inc., New York (Corporate office) and San Francisco. Senior Vice President and Director of Corporate Planning.

    Reed Risk Management, Inc. (San Francisco), Reed Risk Management International Limited (Toronto). Executive Vice President (1974-77), appointed President (1978-84) of the U.S. and international consulting subsidiaries of Reed Stenhouse, tenth-largest international insurance broker. Director, Insurance Management Limited, Bermuda, manager of 35 offshore insurance companies in Bermuda, Cayman, Guernsey, and Hong Kong. Managed startup of consulting subsidiary and growth to staff of 25.

    Marsh & McLennan, Inc., San Francisco. Assistant Vice President. Account Executive for multinational clients. Developed solutions to California medical malpractice insurance crisis, securing State approvals of newly-formed physician-owned insurers in record time. Formed captive insurance companies for U.S. Workers' Compensation and Liability insurances, resulting in 10-year savings of $25 million. Designed multi-national captive insurer/reinsurer to satisfy differing tax, legal, and currency conversion constraints in 23 countries for major apparel manufacturer.

    Marsh & McLennan, Inc., New York. Initiated development of the financial risk management consulting capability for the world's leading insurance brokerage organization. Coordinated loss probability studies, captive insurance company feasibility studies, and computer simulation of risk-financing alternatives for over 200 Fortune 500 clients. Evaluated feasibility of mass merchandising of Putnam Mutual Funds.

    Kraftco Corporation (Breyer Sealtest Division), Philadelphia. Internal Auditor

    Toledo Trust Company, Toledo, Ohio. Trust Investment Portfolio Analyst


    The Wharton School. B.S. Economics, Philadelphia, 1971. Major in Finance.

Professional Affiliations:

    Serve on Technology Strategies Planning Committee of the American Red Cross, San Francisco Bay Area Chapter

    Board Member, SofTECH. An organization of software professionals in the northern part of the San Francisco Bay Area.

    National Forensic League Degree of Distinction in Public Speaking

Contact at:


George H. Harrison
Senior Project Manager


    Responsible for project management and system design / architecture / prototyping functions for business database systems. Extensive experience working with clients to define system requirements clearly, producing comprehensive specifications.


    Includes project management, software development and strategic systems planning for more than one hundred manufacturing, distribution, medical and governmental organizations in more than fifty application areas.

    MegaBase, Mountain View, CA. Vice President, 1992-96. Performed project management for company specializing in development of customized database system applications.

    Consulting clients have included Intel, Bank of America, Raychem, Stanford University, Siemens-ROLM, Xerox and University of California Press.

    Electronic Arts. MIS Director for $125 million distribution company. Successfully selected and installed a $7 million VAX-based distribution system.

    University of Virginia. Member of the Faculty, and Director of Management Analysis and Director of Office Automation Support. (Have taught computing and management courses at five colleges and universities, including University of Virginia, Middle Georgia College, Macon Junior College, Piedmont Va. College, Dekalb Junior College.)

    Warner Robins, GA. Manager of Data Processing for city government in city of 50,000+ population.


    1968 MBA, Management Georgia State University Atlanta, GA

    1966 BBA, Economics West Georgia College Carrollton, GA

    Microsoft Certified Professional.

Chris Streeter
Project Manager, Systems Analyst


Project Manager: Internet Marketing, The Guardian Life Insurance Company of America, Bethlehem, Pennsylvania, February 1996- April, 1998

    Responsible for design, development, branding, market delivery, and communications for Guardian's "Virtual Employee Benefit Center" web site.

    Managed a parallel project to integrate PC and web based front-end systems with legacy systems.

    Managed the porting of DOS applications to the 32 bit Windows 95/NT environment.

Senior Programmer Analyst, The Guardian Life Insurance Company of America, Bethlehem, Pennsylvania, July 1992 to February 1996

    Designed, developed and maintained several multi-user insurance information management systems in large LAN (4 servers and 70+ clients) environment.

    Analyzed, designed, and developed a PC-based customized forms generation system used by 53 sales offices nationwide.

    Installed and maintained personal computer systems on a LAN with over 70 workstations.

PC Programmer, U.S. Army, Fort Eustis, Virginia, October 1985 to January 1992.

    Developed relational database applications for scheduling and tracking soldier training.

    Designed and implemented a networked electronic mail system using PCs, modems and electronic Bulletin Board software.

    Served as technical consultant to higher headquarters (several hundred PCs).

    Led a platoon of 40 soldiers as a platoon sergeant in Operation Desert Shield/Storm.

Computer Skills/Languages

  • Web based business systems architecture, design and development experience

    Provider of EDI solutions for external customers

    18 years of technology experience, 5 years of employee benefits experience.

    DOS, Windows 3.1, Windows 95, Windows NT, OS/2;

    Visual Basic, JavaScript, HTML, Clipper, dBase and some C;

    Microsoft Word, Excel, Access, PowerPoint, WordPerfect, Lotus 1-2-3, email, Netscape, etc.

    Database skills include normalization theory and application, demographics, statistical analysis, data mining, and sales / management reporting


Marketing Major, Allentown College of St. Francis de Sales

Military Achievements

Decorated Platoon Sergeant responsible for leading 40 soldiers during Operation Desert Shield/Storm. Awarded rank of Staff Sergeant (E-6), two Army Commendation Medals, Army Achievement Medal, three Army Good Conduct Medals.

Joel Chaban


Forte Software, Inc.

Contractor, December 1997 to 1998

Perform systems analysis for internal accounting and business management systems.

SimplerSoftware Inc.

Contractor (Project Manager/Programmer), July 1997 to November, 1997

Development of a database/application development system for Internet and intranet use for this startup company. Using Java and a three-tier middleware system to access Sybase, developed a GUI system with many screen interfaces for storage and retrieval of data. Managed a team of 4 people in development of a prototype and demonstration system.

HealthSelect, Inc.

Contractor (Project Manager/Programmer), 1996 to July 1997

Java development of a healthcare enrollment system. Designed and developed multiple complex screen interfaces using Microline grid component where the grids are created dynamically using data driven logic. Implemented JDBC/ODBC bridge to develop prototype using MS Access. Used NetCharts graphing components to create 3-dimensional bar graphs from user-entered values. Utilized Symantec Cafe‚ compiler and debugger. In addition, wrote Java components from scratch: Bar graph components, animation, and other AWT interface components. Researched, developed and wrote functional requirements, system architecture, and external design specifications for benefit management system. Recruited, interviewed,and hired development staff. Organized and led design meetings. Worked with CEO and advisors to develop project plans, schedules, resources and budgets.

The EC Company, Relationship: Contractor (Project Manager/Programmer), 1995 to 1997

Team leader to design and prototype commercial software for integrating divergent accounting systems to enable accounting system documents to be sent electronically to trading partners with dissimilar accounting software and then be imported into the recipient's accounting system.

Designed Socket File Format, a meta structure and format used as a standard format into which and from which data is converted and translated for ANSI X12 EDI and for other electronic commerce documents. The EC Company received a patent on this technology.

Wrote mapper/parser which allows an end-user to map application software report output and convert it to Socket File Format. Participated in the design of and documented design for a billing system and an EDI translator. Wrote job tracking system. Wrote documentation for script file, software integration system. Designed and wrote software for spamming core network to test electronic commerce traffic on network under various load conditions.

Occular Sciences Corporation, Relationship: Subcontractor (Project Manager/Programmer), 1994

Team leader in the design and development of accounting and business management systems. Completely replaced legacy accounting system with new and modified design of state-of-the-art SBT accounting systems. Completely rewrote accounts receivable, sales order and other systems. Created accounting system add-ons for special shipping, billing and many other requirements.

Federal Reserve Bank, Relationship: Subcontractor (Project Manager/Programmer), 1994

Team leader in the design, development, and implementation of accounts payable systems. Completely replaced legacy accounts payable system. Completely rewrote accounts payable systems.

French Government, Relationship: Subcontractor (Project Manager/Programmer), 1993

Team leader in the design and development of a worldwide nuclear waste tracking system. Led a team of four developers in writing a system to track the shipment and movement of nuclear waste throughout the world. Hired and trained all subcontractors and employees, managed their performance, and motivated them to complete the project within planned deadline dates.

SBT Corporation, Relationship: Employee (Senior Programmer), 1991 to 1993

Designed and developed a high-end general ledger -- a portion of an entire commercial professional accounting system. Managed a project team of five people during the development phase. This general ledger is currently used in 140+ AT&T offices and many other Fortune 1000 companies.

Organized and led design review team, developed project schedules, tracked developer deadlines, participated in setting and implementing programming standards, evaluated employees, counseled developers, led training sessions, disciplined and motivated employees, and hired subcontractors.

Managed special project team to design and develop a report generator. In addition to design, project management responsibilities included documentation, implementation, planning, scheduling, projecting results, coordinating people and equipment, and budgeting.

Developed a proprietary, date sensitive general ledger system that processes transactions to provide a "real-time" rollup of income and expense accounts.

Automated critical programming and program documentation tasks using Multi-Edit Programmer's Editor.

Provided all initial design and analysis, and helped to organize focus groups and ensure that design specifications met marketing objectives.

Published Books

Author of six books on Lotus 1-2-3, Excel and computer information systems.


Wintel platforms (Windows NT/95), Macintosh, some UNIX experience

Programming Languages

Java (16 months experience), C, C++, PERL, JavaScript, VRML, HTML, Basic, FoxPro, Visual FoxPro (Microsoft Certified Developer)

Programming Tools

Symantec Café‚ Visual Café‚ Visual Café Pro, dbAnywhere, MS Visual C/C++ Compiler, Visual FoxPro, Multi-Edit Programmers Editor, MS SourceSafe Version Control, PVCS Version Control System, Rational Rose, ERWIN (Entity Relationship Diagramming)

Object Oriented Design Methodologies

UML, Booch, OMT


JDBC, JDBC/ODBC, ODBC, SQL, MS SQL Server, MS Access, some Oracle experience, dbAnywhere Server, Visual FoxPro SQL Passthrough and C/S front end

Management and Supervision

Project Management, Teambuilding, Performance Evaluations, Training, Counseling, Discipline, Scheduling, Hiring

Product Development

Concept Analysis, Design, Documentation, Planning, Scheduling, Purchasing, Projecting results, Evaluation, Coordinating people and equipment, Budgeting, Data management, Process control and marketing

Software Products Developed

Accounting systems, Health care enrollment system, Business management system enhancements, Telephony/voice response systems, Electronic commerce systems, EDI translator, Mapper/parser, Accounting integration, Data warehouse systems, Return merchandise authorization system, Inventory systems, Job tracking systems, Container tracking system, Multi-currency systems, Nuclear waste tracking system

Education and Continuing Education

B.S., Business, (Finance/Real Estate) University of Southern California, Los Angeles

Self-taught: Computer Science and Information Systems

Accounting/Computer Science, Golden Gate University, San Francisco

Computer Science courses, University of California, Berkeley

Computer Science courses, San Francisco State College, San Francisco

Basic/Advanced Java, Sun Microsystems


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