Paul Smith is the Director of Insurance for First Student, Inc., the country's largest provider of outsourced school bus services. Part of Paul's  responsibilities includes managing a large Vermont based captive insurance company. Prior to joining the client side of the business, Paul worked in various consulting roles for brokerage and public accounting firms. Paul's consulting work focused on the creation and maximization of his client's captive insurance programs. Upon moving to Chicago in the late 90's, Paul worked for two companies that were indicted by the Federal government, but to date, no charges have been personally filed against Paul.