Personal Lines Underwriter, Compliance Manager, Product Development Specialist

Chartered Property Casualty Underwriter with extensive experience in underwriting property/casualty insurance products, regulatory compliance from company and government perspectives, product development, pricing (commercial and personal), and personal and commercial claims.

Key Qualifications:
Underwriting Compliance Market Conduct and Regulatory Issues Pricing and Product Development
Budgeting and Cost Containment Agency Management Producer, Agency, and Company Licensing
Case Reserving and Claims Management Business Planning and Forecasting Succession Planning
Organizational Structure and Performance Enhancement
The National Alliance for Insurance Education and Research Certified Insurance Counselor program (2 parts) •••••
Doane College Business Administration Major •••••
American Institute for CPCU Chartered Property Casualty Underwriter •••••
Insurance Institute of America Certificate in General Insurance •••••

Professional Experience

Zurich Financial Services •••••
Product Development Specialist
Develop language for commercial lines products in entire U.S. and its territories.

AAA Nebraska •••••
Senior Compliance Examiner
Assess regulatory risk in ten-state region.
Corrected noncompliant issues.
Introduced the NAIC market conduct format that the company accepted as the standard model in all states.
Led all phases of internal market conduct examination activities.

AAA Nebraska •••••
Asst. Vice President - Regional Insurance
Responsible for Underwriting, Claims, Sales, and Agency operations. Served as the sole product development manager. Budgeted for annual revenue requirements and set rates in all lines.
Led AAA Nebraska from $••••• million to $••••• million written premium from ••••• to ••••• writing automobile and personal umbrella coverage only.
Created all products, filed for certificate of authority, and received approval for all products in sparsely populated North Dakota. The products yielded $3 million in written premium in the first 3 years in personal auto alone, which was about 1% of the market share.
Achieved a profitable combined loss ratio of •••••% during tenure.
A direct quote from a market conduct examiner in Nebraska after a market conduct examination to me: In all my years as a market conduct examiner, this is the first time we have not had any [market conduct] recommendations a for a company. Congratulations.

AAA Nebraska •••••
Underwriting Manager
Manage the underwriting operations, product pricing, and product development of AAA Nebraskas insurance company, Motor Club Insurance Association.
Created new, tiered rating system for auto for better pricing to better driver classifications.
Wrote new insurance manual with new underwriting guidelines.
Redesigned all rating territories to eliminate the extreme rate changes in several territories that were occurring just prior to my hire date.
Restructured Underwriting by assigning underwriters to specific agents maintaining a balanced workload for each underwriter.
Successfully completed a policy management system conversion before year ••••• Prior system would have failed because of the lack of a four-digit policy year.
Mentored the staff on the importance of continuing education. One underwriter called me in March, ••••• to say she had completed CPCU and thanks for pushing her to complete the program.

State of Nebraska Department of Insurance ••••• •••••
Market Conduct Examiner
Audit the operations of Life and Health and Property/Liability insurance companies doing business in Nebraska.

State of Nebraska Department of Insurance ••••• •••••
Property/Casualty Analyst
Review and approve/disapprove rates, rules, and forms for ••••• lines of insurance (Vehicle, Property, Liability, Personal Inland Marine, Fidelity, Surety, Credit, Mortgage Guaranty, Financial Guaranty, Miscellaneous, Homeowners, Farmowners, and Title insurance.)
Assisted in the preparation of examinations for agent licensing.

Allied Group, Farmers Mutual Ins. Company ••••• •••••
Property Claim Representative
Adjust personal and commercial property claims. Adjust Auto Liability and Physical Damage claims at Farmers Mutual.

Union Insurance Company ••••• •••••
Market Research Analyst, Underwriter
Responsible for the technical writing of agent manuals, advertising, and all materials used by independent agents. Responsible for filing product pricing, rules, and forms in 5 states. Underwriting duties include property/liability risks in 5 states.
Authored policy termination manual
Awarded bonus for finding over-charges by rating bureau.
Authored several rate/rule manuals in multiple lines.