James Gray is the Chief Compliance and Risk Officer at AMERICAN COASTAL INSURANCE CORP., where he spearheads the organization's compliance programs and risk management strategies to protect policyholders and stakeholders in the dynamic coastal insurance sector. With more than 25 years of experience in insurance regulation and financial services, Gray earned his Juris Doctor from the University of Florida Levin College of Law and a Bachelor of Science in Finance from Florida State University. A Certified Compliance and Ethics Professional (CCEP) and licensed attorney, he brings a blend of legal expertise and industry insight to his role. Throughout his career, Gray has held pivotal leadership positions, including Vice President of Regulatory Compliance at Citizens Property Insurance Corporation and Director of Risk Management at a major national insurer. His achievements include developing an innovative enterprise risk management framework that mitigated over $50 million in potential losses during Hurricane Irma's aftermath and leading successful navigation of multi-state regulatory audits with zero major findings. Gray's proactive approach earned him the NAIC Regulatory Excellence Award in 2019 and recognition as a top risk executive by Insurance Business America. At AMERICAN COASTAL INSURANCE CORP., Gray oversees a comprehensive compliance team that ensures adherence to federal and state regulations, implements cutting-edge cybersecurity protocols, and deploys predictive analytics to anticipate catastrophe-related risks. His leadership has strengthened the company's resilience against climate-driven challenges, fostering sustainable growth and operational integrity while maintaining a flawless compliance record amid rapid industry evolution.