Senior Consultant in areas of compliance, claims, fraud, legal, property and contingency and management of related projects.

• He has more than 25 years of experience in legal litigation related to the insurance industry. His experience has been working on both sides of the sector; as a regulator and as an industry regulated.

• His administrative, legal and research experience in economic crimes has given him the opportunity to become an expert in claims procedures and analysis.

• He has worked in cooperation efforts with other jurisdictions in Latin America in the study and analysis of the incidence of fraud and fraud prevention techniques in the insurance business. He carried out studies and analysis of fraudulent behavior in the insurance business with the National Institute of Fraud Investigations (INIF), based in Bogotá, Colombia, since 2007 until present.

• He has held positions as supervisor, director and vice president of claims in different insurance companies with operations in Puerto Rico, the English Caribbean and Latin America.

• Worked as a consultant in the area of claims for international reinsurance companies.

• As part of his duties, he has been responsible for the development of claims departments in local and international companies, including the creation and development of policies and procedures.

• In addition, Dr. Rosario worked in the Office of the Insurance Commissioner of Puerto Rico on two occasions. His first mandate was as an advisor to the legal office, where he was responsible for representing the Commissioner of Insurance in administrative procedures and also in the preparation of opinion letters of interpretation of various provisions of the Insurance Code and its Regulations.

• During his second term, he was appointed as the first director of the Antifraud Unit. Among his responsibilities was the formation of the anti-fraud unit, as well as the development and application of all procedures, policies and handling of cases related to fraud investigations.

• During the same period, the Puerto Rico Insurance Commissioner appointed the State Agency for Emergency and Disaster Management of the Government of Puerto Rico as a representative of the Office as an analyst of catastrophic losses.

• Holds a bachelor's degree in Justice Systems and a Master's Degree in Criminal Justice whose research work is in financial fraud.

• He holds a PhD in Philosophy from the Interamerican University of Puerto Rico and graduated from the School of Law of the same University in 1992.

• In addition, it has professional designations such as: Certified Insurance Fraud Investigator (CIFI) of the International Association of Special Investigations Unit, Certified Fraud Examiner (CFE) for the Association of Certified Fraud Examiners, Certified in Homeland Security - Level 5 (CHS-V ) and Diplomate of the American Board Certification in Homeland Security (DABCHS). He holds his adjuster's license in all insurance lines and the private investigator's license of the Puerto Rico Police.

• Currently, he is Assistant Professor at the Interamerican University of Puerto Rico, Metropolitan Campus in the School of Criminal Justice where he teaches courses at the graduate level of White Collar Crimes, Fraud Detection and Management, Criminal Investigation, among others and owns his Legal Office in San Juan, Puerto Rico.