• Made significant senior management changes in areas with the biggest problems, including appointing and empowering a new ethics officer. I eliminated the top executive overseeing the areas in which there had been problems, reassigning those responsibilities to four senior executives prepared to make across-the-board improvements.

• Recruited a top-notch head of human resources who reports directly to me. My first direction to him was to develop a strong and uniform set of disciplinary and severance policies, which will be presented to the Citizens Board of Directors this month.

• Worked with our chief of internal audit to restructure Citizens' Office of Internal Audit in accordance with corporate best practices. This newly empowered office now reports directly to the Citizens board, eliminating potential conflicts between management and internal investigations.

• Strengthened the OIA's ability to identify fraud and misconduct by hiring three forensic auditors with extensive experience and proven dedication to rooting out fraud. They include a forensic investigations manager from one of the nation's top 40 certified public accounting firms; a highly decorated former FBI special agent in charge of white-collar investigations; and a former investigations and financial/operations audit manager for Florida-based EverBank.

Like the governor and many others, I find the misdeeds and allegations of misconduct by Citizens employees embarrassing and troubling. I therefore ordered a comprehensive review of all complaints and investigations handled by my predecessors and ordered that it be released publicly. This was imperative to ensure transparency and make it clear that every Citizens employee will be held to the highest standards.

Let me be clear: Misbehaviors of the past will not be tolerated under my watch. I have ordered vital changes to ensure that all allegations are investigated and properly dealt with in a timely manner. These changes are already leading to greater responsiveness and a more positive and appropriate work environment.

Citizens has taken great efforts to tighten its belt financially as well. I immediately implemented tightened expense standards and required that I personally preapprove all out-of-state and international travel and costs. This month, Citizens will announce even stricter standards to better align ourselves with state expense and procurement guidelines.

We also have looked to outside experts for guidance. We have launched a top-to-bottom organizational review by KPMG to gain a better understanding of how we operate and determine what additional improvements are needed. My goal is to ensure that we operate at peak efficiency and spend money wisely.

It is vital that we not lose focus of the many important strides Citizens has made to decrease exposure and protect our policyholders and all Florida taxpayers from the threat of assessments. Citizens recently concluded one of its most successful years of depopulation, returning nearly 300,000 policies to the private market with plans to improve on that success in 2013. Successes like these, coupled with ground-breaking private risk-transfer programs, have led to a $2.7 billion reduction in potential assessments on all Florida policyholders for the 2013 storm season.

It is successes like these, made possible by the dedicated public servants who work on behalf of Citizens' 1.3 million policyholders every day, that will help move Citizens in the right direction. I cannot undo the past, but I can and will make Citizens a model company for all Floridians.