Brian K. McCarthy

Chief Executive Officer and President

Mr. McCarthy serves as the President and CEO of eMaxx. Mr. McCarthy led Energi, the predecessor company, on a significant growth trajectory from an industrial reinsurance entity into a virtual InsurTech insurance company with expansion across the U.S. and internationally. Mr. McCarthy over the past fifteen years has overseen business development, underwriting, claims, operations and technology for the Company.  Mr. McCarthy has acted as the visionary for technology development, lead the transition of providing programs that align with market trends and worked with leadership of eMaxx to develop risk management and claims programs to mitigate the impact of litigation financing. He is a serial entrepreneur with an understanding of financing structures, accounting, insurance and technology operations. Mr. McCarthy previously founded and lead brokerage operations providing him broader knowledge of the insurance industry.  He has served on several insurance association boards and currently is a member of the North Shore Chamber of Commerce along with The Light Foundation.

John Ferrante, Esq.

Executive Vice President and General Counsel

Mr. Ferrante is the General Counsel and oversees the litigation management that handles the defense of litigated claims. He has been responsible in identifying and addressing societal trends that increase the costs of insurance claims, such as social inflation fueled by third-party litigation funding, higher medical costs, nuclear jury verdicts and judicial hellholes, and evolving legal concepts of tort and negligence. Mr. Ferrante is an honorably discharged Veteran of the U. S. Army Corps of Engineers and a graduate of Boston College and New England Law/Boston. He served in various legal capacities with the U.S. Department of Justice, the U.S. Treasury Department’s Chief Counsel of the Internal Revenue Service, GTE Corporation (Verizon); Liberty Mutual Insurance Group and the Ferrante Law Office. He is admitted to practice before several state and federal courts.

James Townsend


Mr. Townsend is Chairman of Townsend Insurance Group and CEO of Townsend Energy, which is one of the top petroleum and propane distributors in New England serving customers in Massachusetts, New Hampshire and Maine. Mr. Townsend has been active in a several organizations representing the petroleum industry, including Chairman of the New England Fuel Institute; Liaison for the NEFI Energy Leaders Program at the Tuck School of Business at Dartmouth College; Director of the Massachusetts Energy Marketers Association (MEMA); member of the Energy Marketers of New Hampshire (EMNH); member of Maine Energy Marketers Association (MEMA); and Chairman of the Exxon Heating Fuels Committee. Previously, he served as Chairman of the National Oil Heat Research Alliance (NORA); currently Chairman of the National Association for Oil Heat Research and Education (NAORE); and Co-Chairman of the Heating Fuels Committee of the Petroleum Marketing Association of America (PMAA). Mr. Townsend serves as a Board Member of BioFine Developments Northeast (BDNE) and is a Trustee of the Salisbury School in Salisbury, CT.

Fred Boling

Vice Chairman

Mr. Boling is the Chairman and President of Harbor Fuel Oil Corporation of Nantucket. He also serves as the President of Commonwealth Oil Refining and Wyatt Energy. He was a Director and Vice Chairman of Alliance Oil Company, a publicly traded independent oil company with operations in Russia acquired in 2014. Mr. Boling previously held executive positions with Sinclair Oil, Atlantic Richfield, BP Oil Corp., Gibbs Oil and Astroline Oil Trading Corp. In addition to his tenure of forty years of experience in the oil industry, Mr. Boling has been active in the banking industry and was President of Security National Bank, a Director of Bank of New England, and was as a Director of Pacific National Bank, Massachusetts until its acquisition by Bank of America. Mr. Boling is Chairman and President of Investors Life Insurance Company and he is an Overseer of the Business School of Florida Southern College.  Mr. Boling is Chairman of the Clear Springs Group of Companies, an organization involved in real estate, agricultural,and mining activities in Florida.

Mary Fallin-Christensen


In 2010, Mary Fallin-Christensen was elected the first woman governor of Oklahoma. During her 8 years in office, Oklahoma consistently ranked among the top states for job creation in the nation. Fallin also represented the people of Oklahoma in a number of state and federal positions with two terms as a State Representative and the first woman Lieutenant Governor. Following her role as Lieutenant Governor for 12 years, Fallin served two terms in the U.S. House of Representatives, from 2007 to 2011. She participated on the Transportation, Small Business, Armed Services and Natural Resources Committees. In 2017, President Trump appointed Fallin as the National Co-Chair of the Council of Governors. Governor Fallin implemented Oklahoma’s First Comprehensive Energy plan and Oklahoma’s Statewide Water plan. She also launched two major transportation plans, one that has successfully reduced the state’s structurally deficient bridges from 1,300 bridges to less than 120 in 8 years. Fallin’s “Driving Forward” road and turnpike expansion was the second transportation program that included a major investment in infrastructure. Elected by her fellow Governors, Fallin was chairman of the National Governor’s Association and lead a nation-wide initiative – “America Works: Education and Training for Tomorrow’s Jobs” – seeking to better align education and work skills with twenty-first century workforce needs.

John Doak


Mr. Doak is the Chief Operating Officer at Insurance Care Direct, a Florida-based health and life insurance agency. He was elected as the 12th Insurance Commissioner of Oklahoma in 2010 and served from 2011 to 2019.  He was chair of the National Association of Insurance Commissioner’s (NAIC) Antifraud Task Force, served on the Coalition Against Insurance Fraud Executive Committee and founded the NAIC/American Indian and Alaska Native Liaison Committee. Mr. Doak began working at the executive level in the insurance industry in corporate positions at Marsh, Aon Risk Services, HNI Risk Services, and Ascension Insurance. His visionary efforts include hosting the National Tornado Summit, an annual disaster preparedness conference for insurance professionals, emergency managers and meteorologists. Mr. Doak shaped important national and international insurance policy issues as a member of the Government Relations Leadership Council and International Insurance Relations Leadership Group. He also served as a member of the FEMA National Advisory Council, has been involved in the initial formation of the NAIC Task Force on Innovation assisting startup companies and has testified before the United States Senate on Insurance Fraud & Health Care. Mr. Doak is a graduate of the University of Oklahoma in 1988 with a Bachelor of Arts degree in political science.

Vincent Osterman


Mr. Osterman is the President of Osterman Management, LLC which contributed the assets of its propane operations to NGL Energy Partners, LP (NYSE: NGL) on October 3, 2011. Mr. Osterman served as President, Retail Propane Operations and a member of the Board of Directors of NGL Energy Holdings LLC, the general partner of NGL, until July 2018. Mr. Osterman also served as a director of the National Propane Gas Association, Propane Gas Association of New England, and the Board of Advisors of the Gaudette Insurance Agency.

Regina Richardson


Regina Richardson joined EJF in 2006 and is a member of the Executive Committee, EJF’s Risk Committee and ESG Committee.  Ms. Richardson serves as President of the firm and Senior Portfolio Manager of funds within the debt opportunities strategy.  Ms. Richardson joined EJF as a trader focusing primarily on fixed income and derivative trading.  She was later named Head of Trading, overseeing fixed income, equity, and other asset classes.  Prior to joining EJF, she spent 15 years at FBR, most recently serving in the Alternative Asset Investment group.   Previously, Ms. Richardson was a Vice President in FBR’s institutional sales group covering high yield accounts and an analyst in the Financial Institutions Investment Banking group.  Ms. Richardson holds a BS in Finance from West Virginia University.

Mary Taylor


Lieutenant Governor Mary Taylor has a remarkable career of service as a professional executive leader with experience as a Certified Public Accountant working in the private sector and as an elected official at the local, state and executive branches in Ohio. She served in the General Assembly, and as the State Auditor and Lieutenant Governor. As Lieutenant Governor, she also held the position of Insurance Commissioner. Taylor attended the University of Akron obtaining a bachelor’s degree in Accounting and a Master’s degree in Taxation. As a Certified Public Accountant, she worked for Deloitte and Touche and Bober, Markey, Fedorovich & Company in Akron. Taylor currently serves as the Vice President for Operations and Finance at Northeast Ohio Medical University.

Brian Williams


Mr. Williams is President of Williams Energy that was established in 1919 and has become one of the leading distributors of energy products and services in Southeastern Massachusetts.  Prior to joining the company, Mr. Williams was a bank examiner with the Federal Reserve System attending various financial/regulatory schools at the Federal Reserve System in Washington D.C. and Rutgers University in New Jersey. Mr. Williams is a former incorporator and chairman of the board of Horizon Bank and Trust Company (bank sold 2004). Mr. Williams previously served as a director of Hingham Mutual Insurance Company. Mr. Williams has a BS and MBA from Northeastern University, Boston.