People Behind the Promise
At OSC, our team embodies the spirit of going beyond. Our culture of integrity and dedication drives us to be exceptional partners in growth for our clients and their customers. We invite you to connect with us and experience firsthand our commitment.
Angel Cruz
CEO (Steamboat Group)
Angel joined Steamboat Group in 2016 and has more than 35 years of industry experience. He most recently served as our EVP and CFO overseeing the finance, accounting, and technology teams. He is a key strategic leader and partner in the successful operations of our business units, and he has oversight of these entities and future investments across the group. Before joining Steamboat, Angel was Director of Financial Reporting at Swett & Crawford for 14 years. He has significant accounting experience in insurance and other industries, including investments, manufacturing, banking, and mergers & acquisitions. He began his career at the Federal Reserve Bank of Atlanta.
Keith J. Gilroy, CPA
President
Keith is at the helm of OSC having proven his contributions to the organization as VP of the Breckenridge finance department with more than 35 years of insurance and financial services experience. As President, Keith oversees all aspects of business and operations for our technology- and compliance-driven organization. He is also charged with bringing new products and services to the market. Most recently, Keith was the controller at one of the nation’s largest insurance wholesalers Swett & Crawford. Prior to Swett, he was CFO of Aon Specialty Re and held several senior leadership positions at CV Starr agency companies. Keith is a graduate of Pace University with a BBA in accounting and holds his CPA and Property & Casualty license in the state of Georgia.
Rick Case
Chief Operations Officer
Kirk Stephens, CRCM
Chief Compliance Officer
Kirk Stephens is the Chief Compliance Officer and a member of the Senior Leadership Team for Steamboat Group/OSC, where he spearheads the company's industry-leading compliance, governance, and quality control best practices. He also provides risk management and compliance advisory services to financial service providers. With over 36 years of regulatory experience, including 20 years with the Federal Deposit Insurance Corporation (FDIC), Kirk is a distinguished veteran in the field. During the worst financial crisis in modern times, he directly helped mitigate risk to the FDIC's insurance fund by assisting the national Supervisory Examinations office with both safety and soundness and consumer protection oversight. A Certified Regulatory Compliance Manager (CRCM) through the American Bankers Association’s (ABA) Institute of Certified Bankers, Kirk is an active member of the ABA’s Flood Insurance Working Group and has served on numerous financial services trade industry boards and committees. He holds a BBA degree in finance with honors from Marshall University and is a distinguished graduate of the Stonier Graduate School of Banking held at Georgetown University.
Nico Potgieter, PMP
Chief Information Security Officer
José Perez de Corcho
Executive Vice President
José is an executive leader at OSC focused on expanding strategic carrier partnerships, sound underwriting practices, and oversight of the rapidly growing RiskSecure property investor program. He is also integral to business planning, agent relationships, claims practices, and mentorship of a thriving team of employees. He previously led OSC Client Services and the Client Advisory Board. José has been featured in nationally recognized real estate investor publications and speaks routinely on diverse insurance and risk management topics. He has more than 30 years of experience in the insurance industry and joined OSC when his company – Financial Insurance Brokers, Inc. – merged with Overby-Seawell Company (OSC) in 2009. He holds a Marketing and International Business degree from Florida International University.
Michael Randall
EVP, Business Development and Client Services
Michael has more than 30 years of experience, with the past 11 years with OSC, providing insurance and technology solutions to the financial industry, having worked closely with loan operations, compliance, and risk management teams, as well as agents and brokers. As EVP of OSC, Michael leads all OSC new business initiatives and client services to deliver innovative risk management solutions and best-in-class service to prospective and current clients. He also co-leads our Client Advisory Board. Prior to OSC, Michael spent a decade working in the Property & Casualty business as an operations consultant to banks, mortgage servicers, and credit unions.
Vicki Koglmeier
VP, Claims and Loss Administration
Matthew Maddox
Chief Technology & Product Officer
Courtney Loquasto
SVP of Business Performance
Courtney leads critical OSC initiatives spanning diverse operations and integrated technology platforms and manages the company’s project portfolio and Software Development, Project Management, and Implementations teams. With over 25 years leading teams and initiatives in the financial industry, Courtney works alongside the functional leaders of OSC and our clients and agents to identify opportunities for continuous improvement. Her team is dedicated to achieving continuous product and process enhancements, resulting in satisfied clients, borrowers, agents, and insureds. Previously, she managed sales, project management, and process improvement teams for Wells Fargo.
Karen Holden, SHRM-CP
Director of Human Resources, Steamboat Group
Karen is the Director of Human Resources, bringing more than eight years of progressive human resources experience. She specializes in employee relations, benefits administration, employee engagement, performance management, and internal communications. Karen holds the SHRM-CP certification and is committed to fostering a positive, collaborative, and high performing workplace culture.
Vernon M. Southerland
SVP of Business Development
Vernon is a founding executive of Steamboat Group with over 45 years of distinguished experience in risk management and insurance consulting. Having served numerous Fortune 100 clients, his extensive career spans executive leadership roles in retail and wholesale brokerage, alternative risk financing, reinsurance, captive insurance, and financial institution risk consulting. Beginning as a claims adjuster, Vernon developed core expertise in negotiation and policy analysis that continues to inform his strategic approach to complex risk solutions for clients across diverse industries. Vernon's analytical acumen and comprehensive industry knowledge have positioned him as a trusted advisor to organizations navigating sophisticated risk landscapes as he continues to leverage his deep industry expertise to deliver innovative risk management solutions and strategic guidance to clients across diverse sectors.
Don Curtis
SVP, Business Development
Don is a 40+ year veteran of the mortgage banking, consumer finance, and real estate industry in sales and management. He is charged with growth and expansion of traditional services and new products at OSC. As a long-time leader in the mortgage servicing and lending community, he joined OSC from Carrington Mortgage Services, one of the major providers of mortgage servicing portfolios. At Carrington, Don was Vice President of Business Development. Prior to that, he was National Sales Manager at Franklin Credit Management Corp., a nationwide buyer of distressed mortgages and special servicer. Don is a past board member of the California Mortgage Bankers Association and is still involved on multiple committees. He is a current board member of the National Association of Default Professionals Board of Directors, frequent speaker on industry panels and podcasts, and is actively involved in the Masonic Lodge.
Russell Hall
SVP, Business Development
Russell joined OSC in 2020 as part of the strategic acquisition of Protective General Insurance Services (PGIS), a Texas-based regional provider of lender-placed insurance and tracking solutions. His leadership of PGIS and dedication to its clients as CEO is equally valued as a key leader within our national business development team. With over 30 years in the financial sector, Russell brings a wealth of experience from multiple specialties within the banking, investment, and insurance spaces. At OSC, he is focused on empowering credit unions, community banks, regional banks, and auto finance companies with sound lender insurance and compliance expertise, proprietary tracking technology, and competitively priced insurance products. Russell is a graduate of Texas Tech University and earned his MBA from Wayland Baptist University.
Kelson Penn
AVP of Business Development
Kelson brings nearly two decades of results-driven sales leadership to OSC. With a deep understanding of how to expand market presence and build lasting client relationships, he excels at using data-driven insights to optimize sales processes and consistently exceed goals. Known for his mentorship style and ability to cultivate high performing teams, Kelson fosters a culture of excellence that fuels meaningful growth. He applies this expertise daily while partnering with current and prospective clients on OSC’s traditional services and emerging product offerings. In addition to leading and managing multiple sales teams across diverse business sectors, Kelson also founded his own internet marketing company in 2013.
Tyler Legg
AVP of Business Development
Tyler brings nearly six years of experience with OSC and a strong foundation in insurance operations, agent support, accounting, and team leadership. He began his career on the REI side, working as a Policy Admin Representative, REI Accounting Representative, and REI Accounting Supervisor. With more than five years of hands-on experience across the REI business, Tyler is now AVP of Business Development, bringing deep operational knowledge and a customer-first perspective. In this role, he will focus on Lender-Placed Insurance (LPI) and OSC’s compliance-driven tracking services, helping clients identify solutions that support their business needs and strengthen their insurance programs.
Makena Stypula
AVP of Business Development
Makena serves as Assistant Vice President of Business Development at OSC. She graduated from Southern Methodist University in May 2026 with a degree in Political Science on the Pre-Law track and a minor in Psychology. With experience in retail and medical device sales, Makena is passionate about building relationships, understanding client needs, and developing solutions to complex challenges. She is also committed to philanthropy, having led a 7-week campaign in 2022 that raised more than $267,000 for the Central Valley Leukemia & Lymphoma Society. Makena brings curiosity, drive, and a commitment to continuous growth to her work at OSC.
Logan Randall
Risk and Insurance Advisor
Logan joined OSC part-time in 2020 while completing her undergraduate degree at Clemson University. During that time, she developed a working knowledge of OSC's proprietary system and a foundational understanding of lender-placed insurance. In 2024, she moved to a full-time role on the project management team, where she has contributed to strategic initiatives across all OSC business lines. Her drive for efficiency, focus on improving business processes, and professionalism with internal and external stakeholders make her a valuable asset to the company. In her new role, Logan looks forward to strengthening current relationships and building new ones in the banking, lending, insurance and investment space, while continuing to support OSC's growth through her expertise in the company's insurance and tracking services.
Christy Tranor
SVP, Client Services
With over 18 years in diverse lender insurance tracking operations, claims, and service roles, Christy provides valuable perspective and leadership to her OSC Client Services team and their clients. She has shared responsibility in the day-to-day management of the Client Services team to ensure client satisfaction. Prior to this role, she successfully led the transition of numerous community bank accounts from Kistler Financial Insurance Group to OSC when acquired in 2017. She retained her Operations Manager position from Kistler before transitioning fully to client services, where she applied her knowledge and service excellence to key clients. She is also a licensed Property & Casualty professional.
Quia Jordan
SVP, Client Services
In her role as SVP, Client Services, Quia works closely with OSC Client Service Managers to solve advanced and highly technical Client Service Requests (CSRs). Throughout her 17 years with the company, Quia has proven her effective communication and leadership skills, alongside a vast understanding of clients’ business needs for information gathering to ensure CSRs are accurate and complete.
Lucky Navarro
SVP, National Accounts
Since 1988, Lucky has worked in the lender-placed insurance and tracking industry, having started in the customer service and client service areas, ultimately mastering the intricacies of the business to benefit his clients in a senior team leadership role. Prior to OSC, Lucky was a Vice President, Executive Relationship Manager at QBE (now National General) and Balboa Life & Casualty. At OSC, he delivers his clients unparalleled service in collaboration with the Operations teams to handle diverse portfolio risks. His commitment to partnership and proactive communication has earned him the quick respect of his clients and peers.
Tracy Ward
SVP, National Accounts
With more than 30 years of experience in the mortgage and insurance services industry, Tracy’s expertise encompasses a wide range of areas including loan servicing, system development, and client services leadership. At OSC, Tracy continually demonstrates her dedication to her clients by offering informed counsel and responsive service. She has championed several service enhancements to benefit all OSC clients while also mentoring those on her team. Prior to joining OSC, Tracy served as VP, Client Relations at Kistler Financial Insurance Group, as VP, Strategic Account Manager at Balboa Life and Casualty, and as Executive Relationship Manager at ZC Sterling Insurance. She has extensive experience in escrow management for several top mortgage servicers as well.
Andrew Svaby
VP, National Accounts
Andrew has more than 20 years of experience providing insurance solutions for property and casualty in the state of Pennsylvania. As VP of National Accounts at OSC, he brings an agent’s perspective to the world of insurance tracking for lender-based institutions. Andrew joined OSC in 2016 and has worked diligently to provide best-in-class service to his accounts while tailoring solutions based on his clients’ needs. Prior to OSC, Andrew spent 13 years writing commercial, homeowners, and auto insurance policies through major carriers in the state of Pennsylvania.
Megan Ochoa
VP, National Accounts
Megan Ochoa has proven client service and collaboration skills resulting in a fast-track promotion after joining OSC in mid-2019. As an account leader, she provides expert insights to help her clients utilize the full potential of our products, cultivating unique solutions for complex challenges. She also provides system training to a growing list of clients and team members. Megan graduated from Texas A&M University in College Station, Texas, with a Bachelor of Science (B.S.) in Recreation, Park and Tourism Science and currently resides in Portland, Oregon, with her family.
Thomas Maldonado
VP, National Accounts
As VP of National Accounts at OSC, Thomas is passionate about improving processes to boost client satisfaction and retention. He has 20 years of experience in insurance and financial services and is skilled in financial analysis, operational efficiency, and cross-team collaboration. Thomas has a strong track record in managing key accounts, driving growth, and ensuring compliance, all while implementing innovative solutions. Before OSC, Thomas held leadership roles at Tokio Marine Highland (TMH)/WNC First Insurance and HUB International, where he excelled in managing and driving risk strategies, system upgrades, and client reporting. Outside of work, Thomas enjoys time with his wife and three boys, traveling, and exploring the outdoors.
Gabriel Prats
Sr. Client Services Manager
Gabriel Prats joined OSC in 2017 and rapidly advanced through multiple roles, demonstrating consistent excellence in client service. Starting as a Call Center Representative, he progressed through Data Entry, Lender Services, and Client Services, ultimately being promoted to Client Service Manager. In his current role, Gabriel provides expert guidance, training, and support to a growing portfolio of clients and team members. He is highly knowledgeable in OSC’s operational systems, drawing from extensive hands-on experience across multiple departments. Gabriel earned his Professional Customer Service Representative (CSR) designation in 2018 and his P&C license in January 2026, further enhancing his expertise in client and operational support.
Jenny Tiedt
Client Services Manager
Jenny joined the OSC team in 2007 working in data entry as she learned the ins and outs of the insurance industry. Promotions to Team Lead and Supervisor in the Operations department led Jenny to Client Services. In her current role, she leverages her expertise to support clients and team members, delivering tailored guidance on a daily basis that helps drive client success and customer satisfaction. With extensive cross-functional experience, she possesses a deep knowledge of OSC’s operational systems and a well-rounded perspective.
Sonya Marbry
Client Services Manager
During her tenure at OSC, Sonya has helped bank leaders maintain consistent compliance tracking for complex portfolios. As a Client Services Manager, she manages several key accounts for OSC, providing leadership and training to team members while driving client success. Prior to OSC, Sonya spent over 25 years in insurance agencies, working 17 years for State Farm and eight years for an Independent Agent. Sonya still maintains her P&C Insurance license in both Mississippi and Alabama. She has an associate degree in business and marketing.