Experience

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  State auto insurance

  Jul 1991 - Sept 2020

  Performed dual role managing line underwriters and corporate staff consultants. Established, trained, and executed corporate philosophy, policy, practices and procedures. Functioned as Personal Lines Business Lead for Guidewire implementation.Served as Personal Lines subject matter expert, spearheading implementation of Guidewire as well as development of new products and processes.Worked with Strategic Initiatives on design for Guidewire and Policy Center screens.Created business requirements along with test cases, performed quality assurance testing, approved rollout schedule of state implementation, managed development of training resources for Guidewire implementation, ensuring successful launch of new Guidewire technology.Resolved various system problems, developing solutions, tracking, communications, and results.Coordinated with Product and Strategic Initiatives on annual rate changes, including product development, pricing, underwriting guidelines, portfolio mix planning, marketing materials, and training needed for profitable growth and retention. Ensured Underwriting Specialists updated reference guides, manuals and policy forms based on APCIA notifications, along with answering any objections from state insurance departments, providing adequate information with the initial filing. Managed Underwriters in the Midwest Region with Direct Written Premium of over $205M with a profitable loss ratio.Reviewed and updated over 200+ Underwriting Bulletins and FAQs pertaining to the company's philosophy, processes, and procedures, providing enhanced guidance to Underwriters. Show less Led Personal Insurance Consultants on implementation of rate changes, including post-production audits, DOI objections, and meeting filing deadlines, ensuring compliance with state and regulatory laws/changes. Directed Personal Insurance Consultants on Market Conduct Exams and Compliance Audit processes, ensuring company success by identifying and correcting errors to reduce state-assessed fines. Managed Personal Insurance Consultants on form maintenance and changes resulting from PCI/legislative changes and product enhancement (HO2011), maintaining state compliance to avoid market conduct exams and potential fines. Collaborated with Product Management in establishing pricing and product needs during annual rate reviews, achieving profitable growth and sustained retention.Oversaw team responsible for drafting, distributing, and updating Underwriting Bulletins for Homeowner and Dwelling Fire products, educating Underwriters on changes of philosophy, practices and procedures specific to HO and DF lines of business. Show less Provided guidance, feedback, coaching, and counseling on risk selection and agency management to ensure profitable growth. Audited Lines Underwriters on various corporate audit topics, ensuring adherence to guidelines, procedures, and philosophy.Developed Agency Management rehabilitation programs for unprofitable agencies, improving the loss ratio and helping gain contingency profits versus contract termination.Led Personal Insurance Division on Market Conduct exams, establishing follow up training and changes in procedures.Audited company's automated underwriting system, identifying and correcting errors to prevent fines driven from market conduct exams and complaints from consumers and departments of insurance. Show less

  • Personal Insurance Manager

    Oct 2018 - Sept 2020

  • Personal Insurance Staff Manager

    Apr 2014 - Oct 2018

  • Personal Lines Underwriting Manager

    May 2009 - Apr 2014

  • Personal Lines Staff - Underwriting Specialist III

    Jun 2006 - May 2009

  • Personal Lines Staff - Underwriting Specialist II

    Mar 2000 - Jun 2006

  • Personal Lines Staff - Underwriting Analyst

    Aug 1997 - Mar 2000

  • Sr, Personal Lines Specialist

    Aug 1994 - Aug 1997

  • Personal Lines Underwriter - IN/IL

    Feb 1993 - Aug 1994

  • Policyholder Service Representative

    Jul 1991 - Feb 1993
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  Aaa-the auto club group

  Jun 2021 - now

  Senior product management analyst