Our Receivership team is composed of seasoned professionals with specialized expertise in regulatory oversight and insurer insolvency. Backed by decades of collective experience, they partner with state insurance departments to navigate complex regulatory environments, providing strategic guidance, operational leadership, and disciplined execution throughout all phases of receivership while safeguarding policyholders and maintaining market stability.
Bradley R. Hazelwood, CPA, CFE, MCM
Senior Managing Director
For more than 14 years, Bradley has been a valued member of the Examination Resources team, demonstrating exceptional leadership, deep industry expertise, and an unwavering commitment to serving regulators, receivers, and estate stakeholders. His dedication and contributions have been instrumental to the growth and success of both the Special Projects and Receivership Divisions, positioning him well to lead the next chapter of the organization’s evolution.
Bradley’s career has been focused on insurance regulation, with extensive experience coordinating financial examinations of large and complex insurer groups, as well as conducting examinations of troubled insurers. His expertise also includes governmental audits, exposure and claims examinations for a state catastrophe fund, premium tax audits across multiple states, self-insured group audits, market conduct reviews, and leading special projects and forensic engagements for receiverships. He has developed a particular specialization in troubled company examinations and receivership engagements.
Prior to joining Examination Resources, Bradley worked as an audit and tax staff accountant with a regional CPA firm and as a financial examiner conducting insurance examinations. He earned a BBA in Accounting from Radford University and became a Certified Public Accountant in 2011. Bradley lives and works in Virginia and is a member of both the Virginia Society of Certified Public Accountants and the Society of Financial Examiners.
Don Roof, MCM
Managing Director / Special Deputy Receiver
Don has been in the field of insurance regulation for 30+ years. Prior to joining ER in 2013, Don held the position of Director of Insurance & Financial Oversight with the Georgia Department of Insurance. As Division Director, Don was responsible for financial and market conduct examinations, financial and market analysis, troubled company administration, mergers and acquisitions, holding company transactions and company licensing. Prior to assuming the position of Division Director, Don served as Georgia’s Chief Financial and Market Conduct Examiner.
Don has been involved in numerous receiverships over the years and brings specialized experience and knowledge with the Captive market. During his tenure with the Georgia Department, Don appeared before the Georgia Legislature providing testimony on various bills including Georgia’s Credit for Reinsurance law. As Managing Director for ER, Don’s main role is to continue to develop ER’s Receivership consulting services and assist with the continued growth in insurance regulatory consulting services. Don oversees the management of large engagements, specialized projects and provides assistance with marketing initiatives. Don received his B.B.A. in Risk Management and Insurance from the University of Georgia. He resides and works in Atlanta, GA.
Leo Garrity
Estate Manager
Leo has been in the field of providing management consulting, business advisory, and transaction advisory services for regulators, insurers, and managed care organizations for over 30+ years. Prior to rejoining ER in 2023, Leo held the position of Director with a previous consulting firm providing Troubled Company and Receiverships (TCR) services for regulators. Leo originally joined ER in 2009 and worked with ER’s managing member in establishing ER’s TCR Services. Previously Leo was a Managing Director and Senior Manager for two Accounting and Consulting firms providing external audit, internal audit, SOX, and business and transaction advisory services to insurers, managed care organizations, and regulators. During his tenure Leo was appointed “financial expert” for the Board and Audit Committee as well as engaged as an external consultant to provide corporate governance and forensic analysis expertise to the Organization. Leo’s management and industry experience in the private sector includes the following: VP Finance and Operations for a health insurer, Corporate Controller for a Managed Care Organization operating TPAs and provider networks, and Regional Finance Director for a Managed Behavioral Care Organization. Leo’s overall industry experience includes life and health, managed care, property and casualty, and reinsurance assisting enterprises ranging from start-ups, captives, reciprocals, Co-Ops, MCOs, MGAs, PBMs, RRGs, TPAs, middle market, mutual insurers, and diversified financial organizations.
Leo has been involved in multiple TCR engagements over the years and brings specialized experience and knowledge for providing Regulators, Receivers, and Guaranty Associations services for oversight of insurers and managed care organizations. Primary services include providing financial analysis, business performance and operations reviews, target examinations, administrative supervision, rehabilitation, liquidation, and run-off services. Leo has held and executed the roles of Deputy Supervisor, Deputy Rehabilitator, and Deputy Liquidator. As Assistant Director for ER, Leo’s main role will be to provide services and guidance to clients. for Troubled Company and Receiverships engagements. Leo earned his Bachelor of Science in Accounting from Providence College. Leo is a licensed CPA and works and resides near Atlanta, GA.
Garland Scott
Estate Manager
Garland’s experience in the health insurance and health care industry spans 33 years. Before joining ER, Garland held the CEO position with UnitedHealthcare responsible for North Carolina, South Carolina, and Georgia.
As CEO, Garland had P&L responsibility for commercial group business in these states with up to 2 billion in revenue and 2 billion in ASO medical spend. The primary responsibility was leading the planning and deployment for local provider, customer, consumer, regulatory and legislative initiatives in both states. This included, attaining 70% penetration in both NC and SC with provider value-based reimbursement, transforming the commercial marketplace by finalizing legislation that removed MFNs from NC and allowing small business owners access to level funded benefit plans in NC and SC, winning the state of Georgia employee/retiree health plan serving over 300,000 members, and partnering with DOI to launch individual exchange plans to serve over 175,000 members in NC.
Prior to the CEO of the Carolinas role, Garland served in the CEO position for Tennessee and Arkansas with United Healthcare. Before the UnitedHealthcare acquisition, Garland was the VP of operations for John Deere Healthcare in the states of Virginia and Tennessee and then VP of Operations for Iowa, Illinois, and Wisconsin. In this role he had P&L responsibility for commercial group, individual, Medicare advantage, Medicare cost, Medicaid, and CHIP lines of business serving 750,000 members.
As Assistant Director in receiverships Garlands role is to provide support and expertise to our team, customers, and stakeholders related to existing projects and support any new opportunities.
Garland received his undergrad BBA and Accounting minor and went on to receive his MBA in Economics and Finance from ETSU. He resides in Winston Salem, NC with his wife, Chris. Garland and Chris are blessed to have 4 adult children and enjoy spending time with them whenever possible.
Justin Durrance, CIE, FLMI, AMCM
Senior Manager
Justin Durrance has 25+ years of experience in the field of insurance regulation. From 1995 to 2020, he worked at the Georgia Department of Insurance in the positions of Chief Regulatory Officer and Chief Deputy Commissioner of Insurance.
Justin earned a Bachelor of Science in History from Troy University, a Master of Arts in Political Science from Emory University, and a Master of Business Administration (Finance Concentration) from Mercer University. He also holds the following insurance certifications: Fellow Life Management Institute (FLMI); Certified Insurance Examiner (CIE); and Advanced Market Conduct Management (AMCM). He is a member of the Insurance Regulatory Examiners Society (IRES), Chartered Property Casualty Underwriters (CPCU) Society, and the Society of Financial Examiners (SOFE).
Justin resides in Atlanta, GA.
Susan Heath, CPA, AFE
Senior Manager
Susan Heath has over 20 years’ experience in the accounting field in both the private and public sectors and in the concentrations of auditing, financial reporting, and taxation. Her audit experience began as an auditor for Arthur Andersen in Charlotte, NC with a focus on Healthcare Financial audits. As the Accounting Manager at Lowe’s Companies, Inc., she was responsible for designing, implementing, and monitoring internal controls over financial reporting in order to ensure compliance with the Sarbanes-Oxley Act. Susan has also owned and operated a private CPA practice providing tax, accounting, and consulting services to individual and corporate clients.
Susan is currently a Senior Manager for Receiverships and Special Projects. In her role as Supervisor, she is responsible for overseeing the accounting functions of corporate clients, captive insurers, and insurance companies that have been placed into supervision, rehabilitation or liquidation.
Susan obtained a BS in Accounting from Virginia Tech and is a licensed Certified Public Accountant (CPA) and Accredited Financial Examiner (AFE). She is a member of the Virginia Society of Certified Public Accountants and Society of Financial Examiners (SOFE). Susan works and resides in Stuart, VA.
Chris DiBona
Manager
Chris DiBona has over 25 years’ experience in the accounting field in both the private and public sectors and in the concentrations of bookkeeping, financial reporting, financial planning, and taxation. Her bookkeeping and taxation began as a staff accountant for a local CPA firm in Chapel Hill, NC where she was involved in payroll processing, bookkeeping for local companies and individual tax preparation. As the Accounting Manager at Damascus Homes, LLC and Parish Capital Advisors, LLC, she was responsible for all accounting processes for a minimum of 5 intercompany entities and was the liaison for the annual audits. During her time at an investment company and a pharmacovigilance company she worked with multi-office companies in multiple countries.
Chris is currently a Manager for Receiverships and Special Projects. In her role as Manager, she is responsible for overseeing the accounting and finance functions of insurance companies that have been placed into supervision, rehabilitation, or liquidation.
Chris obtained a BA in Economics from the University of North Carolina at Chapel Hill. She is a member of the Society of Financial Examiners (SOFE). Chris works and resides in Huntsville, AL.
Steve Szypula, CPCU, AIE, ARE, CGFM, CPM
Manager
Steve has been in the field of insurance regulation for 32+ years and started his career as a financial examiner with the Florida Office of Insurance Regulation in 1989. Steve has 22 years of experience as a financial examiner, a financial analyst, a chief examiner, and a chief financial analyst. Prior to joining ER, Steve was the Senior Director of Operations and Examinations for the Florida Hurricane Catastrophe Fund where he managed exposure examinations and claims examinations.
As a Manager for ER, Steve’s main duties are special projects. Steve’s regulatory experience includes financial examinations, financial analysis, insurer licensing and troubled company administration. Steve obtained his degree in accounting from Syracuse University and holds the following designations: Chartered Property Casualty Underwriter (CPCU), Accredited Insurance Examiner (AIE), Associate in Reinsurance (ARe), Certified Government Financial Manager (CGFM) and Certified Public Manager (CPM). Steve resides and works in Tallahassee, Florida, is a member of IRES, and is the 2006-2007 past president of SOFE.
When Receivership Questions Arise, Our Experts Are Here for Guidance
Whether navigating early regulatory intervention or complex receivership proceedings, our team provides practical guidance tailored to each situation. We help stakeholders understand options, anticipate challenges, and move forward with clarity and confidence. Contact us to begin a focused, informed conversation about your specific needs.