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CAROL A.N. ZACHARIAS

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Senior Vp and Chief Counsel for Professional Risk

ACE USA

New York

Age: 51

After joining ACE USA in 2003, Carol A.N. Zacharias established a dynamic model of delivering legal services that is designed to benefit underwriting needs as well as offer value to policyholders. Based on a concept she adopted from an early role model, Ms. Zacharias has forged an integrated team of lawyers, regulatory compliance and state filings experts who work closely with marketing and actuarial experts to brainstorm problems, solutions, cutting-edge ideas and marketplace innovations. Ms. Zacharias has participated in leadership roles on several American Bar Assn. committees and subcommittees in an effort to promote the advancement of her profession in the areas of litigation, business insurance and executive management liability. She currently is the co-chair of the Insurance Coverage Subcommittee of the ABA's Committee on Corporate Counsel.

GREATEST INFLUENCE: "Two people. Terry Van Gilder, who started Chubb's D&O underwriting practice, and Ralph Jones, who managed it later. They were visionaries. They took chances. They had a vision of a team--not a typical underwriting team. Terry wanted a talented, hungry, hard-working dream team. He gave it to us to run. Early in our careers, we could do what we want, make mistakes, take charge and responsibility. We all were in the same boat and relied on each other as well as Terry. I really learned how to take risks and take chances and take charge in our little world. Ralph moved me away from being a technical lawyer. I'd bring in all of this work, and he'd push it aside and ask, 'Carol, what do you think we should do?' He moved me toward being a counselor, a general counsel, an adviser."