Name: Cindy Nobriga
Age: 40
Position: Vice president, risk management services, Finance Insurance Ltd.
First job: Clerk typist
Favorite pastime: Golf

"Businesses are taking on more of their own risk," Nobriga said. "They are creating a self-funding program to make the first dollars (of payment) out of pocket."

She provides risk-management services for large companies and the insurance programs for the Finance Factors family of companies.

Nobriga 23 years experience in the insurance industry with Pacific Insurance Coi. Ltd., Marsh & McLennan Inc., and Rollins Burdick Hunter Inc.

She grew up in Manoa, graduated from Roosevelt High School in 1974, and went to work for Pacific Insurance. Nobriga and her husband, Hank, reside in Waipio with their children: Tyler, 16; and Travis, 6.