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Division Director

Simon J. Blank

Assistant Director

Timothy Cannon

Insurance Fraud
200 East Gaines Street
Tallahassee, FL 32399-0318
Contact Us At:
(850) 413-3115
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DFS DIF North Central Region

The North Central Region has three offices and covers sixteen counties.

District I Major - Michael Byrne

Major Byrne is originally from Syracuse, New York where he lived with his wife and three children. Byrne attended Central Missouri University and received a Bachelor of Science degree in Police Science. Captain Byrne served in the U.S. Army from 1971 through 1973, assigned to the Military Police and obtained the rank of Specialist 4. In 1973 Byrne was employed as a police officer with the Hillside Police Department, Hillside, New Jersey. In 1974 Byrne joined the New York State Police where he worked uniform road patrol for eight years and later promoted to sergeant and assigned to the bureau of criminal Investigations. Byrne worked as an assistant unit coordinator and unit coordinator prior to retirement in 1994. From1994 through 2003 Byrne was employed with Royal Sunalliance Insurance Company as a Senior Special Investigator.

Byrne joined the Department of Financial Services, Division of Insurance Fraud on November 17, 2003. Byrne worked in the St. Petersburg Office until September of 2006 when he was promoted to Lieutenant and assigned to the Tampa Office. Byrne was promoted to captain in August of 2008 then to major in 2014 supervising District I.

Lieutenant Carl Lane - St. Petersburg Field Office

Lieutenant Lane graduated from Plant City High School, Plant City in 1977.

In 1986 Lane completed the police academy at Polk Community College. Lane received his Police Standards Certification and began his career with Plant City Police Department, where he worked for 23 years. Lt. Lane worked in a variety of investigative assignments including, uniformed patrol, joint drug task force with DEA, Hillsborough County Sheriff’s Office and Tampa Police Department. Lt. Lane was also assigned to the criminal investigations unit.

In 1994 Lane was promoted to the rank of sergeant where he supervised a uniformed patrol squad. In 2002 Lane was promoted to the rank of lieutenant, supervising the uniformed patrol division. In 2006 Lane was promoted to the rank of captain. Lane was responsible for all investigations, from theft to homicides. Responsibilities included street crimes unit, gang investigations, drug investigations, crime scene unit and ERT. Lt. Lane retired from Plant City PD in 2010.

In 2012 Lane joined the Department as an investigator assigned to the Tampa PIP squad, responsible for investigating fraudulent PIP complaints in the West Central Region. In 2013 he was promoted to lieutenant and assigned to the St. Petersburg Field Office, general fraud where he supervises four detectives.

Tampa Field Office-Lts. Carlos Rosario and Darrell Wilson

In Tampa, the office consists of two squads, one auto fraud and one general fraud, supervised by Lieutenants Carlos Rosario and Darrell Wilson. The office is responsible for personal injury protection referrals in Brevard, DeSoto, Hardee, Hernando, Highlands, Hillsborough, Manatee, Osceola, Orange, Pasco, Pinellas, Polk, Seminole and Volusia Counties.

Lieutenant Carlos Rosario - Auto Fraud

Lt. Carlos Rosario was born and raised in the Bronx, New York City, and attended school in the Bronx and Manhattan. After serving in the Army, Lt. Rosario joined the New York City Police Department in 1981. He was assigned to various positions in the NYPD including, uniform Patrol in the Bronx, plain clothes anti crime squad, Applicant Investigation Unit in Queens and Internal Affairs. He retired from NYPD one year after 9-11 with twenty-two and half years with the department.

After moving to Florida, he joined the Department of Financial Services in May of 2003, where he was assigned as a detective to conduct various types of insurance fraud investigations; eventually specializing in PIP Fraud.

In October 2006 he was promoted to Lead Detective and in February 2010, was promoted to his current position as Lieutenant of the Tampa Auto Fraud Squad.

Lieutenant Darrell Wilson- General Fraud

Lieutenant Wilson began his law enforcement career in 1990 with the Polk County Sheriff's Office as a detention deputy.

In 1993, Wilson was hired by the Plant City Police Department where he worked for 16 years. During his tenure there, Wilson worked in a variety of investigative assignments to include uniform patrol, community oriented policing unit and the street crimes unit. In 1997, Wilson was promoted to the rank of sergeant where he supervised a uniform patrol squad and the street crimes unit. During his tenure, his street crimes squad was responsible for investigating complex drug and vice investigations resulting in many arrests and convictions.

In 2002, Wilson was appointed to the rank of captain where he was assigned to manage the criminal investigation unit. During the assignment, Wilson was responsible for all investigations conducted by the police department from theft to homicide as well as drug and gang suppression. In 2005, Wilson was transferred to the Administrative Services Division where he performed a variety of duties to include management of evidence/property sections, police records section, information technology section, the emergency communications center and the department’s fleet management system.

In 2010, Wilson joined the Department as an investigator assigned to the Tampa PIP squad responsible for investigating fraudulent PIP related complaints within a seven county area. In 2011, Wilson was promoted to lieutenant. In 2012, he was assigned to supervise the St. Petersburg Field Office.

Wilson holds a Bachelor’s Degree in Organization Management and a Master’s of Science Degree in Management. He enjoys spending quality time with his family, is an active member of Plant City Masonic Lodge #206 F. & A. M. P.H.A.


Kurt Harmon grew up on the west coast of Florida and eventually moved to Orlando to attend the University of Central Florida. While there, Lt Harmon was employed by the Orange County Sheriff’s Office in the communications section. After graduating with a Bachelor’s Degree In Criminal Justice In 1998, he obtained his State of Florida law enforcement certification and continued working at the Orange County Sheriff’s Office as a deputy sheriff. During his tenure as a deputy sheriff, he received agency wide awards and recognition for his outstanding work and dedication. Harmon was a field training officer and promoted to deputy first class.

In 2003, Harmon continued his career as a detective with the Division of Insurance Fraud. While learning the field of insurance fraud, Harmon excelled in the workers’ compensation squad and made numerous arrests. He was given the Outstanding Performance Award by the Bureau of Workers’ Compensation for two consecutive years for his high performance level. Harmon was active on the workers’ compensation fraud task force and participated in subcommittees dedicated to curtailing premium fraud in the construction industry. In 2006, the workers’ compensation fraud task force recognized him for his outstanding service and performance.

On June 1, 2008, Harmon was promoted to his current position as a lieutenant of the Orlando Field Office. While holding the rank of lieutenant, Harmon successfully completed the Command Officers’ Development Course at the Southern Police Institute and became a certified fraud examiner under the Association of Certified Fraud Examiners.


Lt. Green began her career in law enforcement in 1997 with Orange County Corrections and later advancing her career to a Deputy working in patrol with the Orange County Sheriff’s Office in Orlando, Florida. She continued her career as state law enforcement officer for the Department of Motor Carrier Compliance, working as a compliance review officer, commercial motor vehicle homicide investigator, and an officer on radiological nuclear team and the hazardous materials team.

In May of 2008, Lt. Green joined the Division of Insurance Fraud and has served as a lead detective in the Orlando PIP 2 squad since August of 2010.



Lt. Savino began his law enforcement career in 1982 with the New York City Police Department. He served as a patrol officer, narcotics investigator and was promoted to detective in 1989. Savino spent eighteen years investigating reports of sexual assaults and child abuse while assigned to the Manhattan special victims squad, and was promoted to the prestigious rank of 1st grade detective.

During Savino’s time with the special victims squad, he investigated thousands of reports of rape and sexual assaults and have been lead investigator for many successful serial rape and pattern sexual assault investigations. He was tasked with rewriting the policy used by NYPD when investigating sexual assaults and co-authored two text books detailing the best investigative techniques for rape investigations and other serious crimes.

In September of 2001, after the World Trade Center tragedy, Savino, along with an elite group of detectives, were assigned to the New York City Morgue for several months and tasked with attempting to identify the victims of the World Trade Center disaster.
After twenty-five years with NYPD, Savino retired and joined the Division of Insurance Fraud in 2008. Since becoming a member of DIF, Savino has investigated personal injury protection (PIP) fraud and have made numerous arrests which have resulted in clinics being shut down. He is a member of the ERT team and a DTO since joining the Division. In 2011, Savino was assigned to a Federal Health Care Task Force for the Middle District of Florida, before becoming a lead detective for the newly formed PIP squad in the Orlando Field Office.


North Central Region Case Highlights


On October 28, 2012, the Division of Insurance Fraud received a complaint from Travelers Insurance Company regarding personal injury protection clinic Touch Rehabilitation Center located at 3970 Tampa Road, Oldsmar. The complaint stated Touch Rehab was not licensed as required by law and fraudulently operated from the period of October 12, 2011 thru July 17, 2012 by billing insurance companies for PIP benefits they were not entitled to receive. The alleged owner Sadi Osorio was interviewed by Travelers Insurance Special Investigator Greg Howell. During this interview Osorio made statements contradicting her application to Agency Health Care Administration regarding her ownership. Osorio admitted that she was not in fact owner of Touch Rehab but in fact a straw owner. Osorio later repeated this statement to Det. Mora while under oath.

On May 21, 2013, Osorio informed Det. Mora she was not the owner of Touch Rehab she only signed the AHCA application as a favor to Sarduy. Osorio stated Sarduy is a friend of her husband and he asked her if she could do him the favor being she is a license massage therapist. Osorio stated the agreement between her and Sarduy was for $1200 a month for the use of her license. Osorio stated the application was already filled out and she just signed it after reviewing it with Sarduy. Osorio stated she was also added to the bank signature card on July 28, 2011, even though she never deposited or withdrew any monies. Osorio stated she rarely visited the clinic and had no daily interaction concerning the clinic.