Teresa Rudd, ARM, CCI

Experience

• 

  Monro, Inc.

  Jul 1996 - Aug 2008

  Risk Claims Coordinator

  Coordinated all aspects of general liability and Worker’s Compensation claims for 720 stores in 17 states. Investigated claims and obtained relevant facts to determine coverage, loss and liability. Developed and managed reports for internal and external purposes. Managed automobile insurance for fleet of about 850 vehicles. Participated in developing insurance specifications and insurance bidding process.● Interacted effectively with retail customers, insurance adjusters, police, attorneys and others involved in the claims process. Documented claim file activities in an accurate and timely manner.● Resolved claim issues promptly and followed-up on outstanding issues. Handled negotiations with claimants to realize fair and equitable claim settlements.● Coordinated and participated in quarterly claim reviews with carriers, brokers and key stakeholders.Critical Contributions:● SELF INSURANCE. Led the transition to an employer out of the state-run Worker’s Comp program and into a self-insured fund designed to reduce costs.● CLAIMS MANAGEMENT. Created a then first-of-its-kind claims database designed to manage, track and report claims activity—a system still in use 20 years later. Show less

• 

  Conifer Realty, LLC

  Aug 2008 - Jul 2023

  Promoted to direct and oversee all aspects and activities of the Risk Management Department, including safety, compliance, insurance, claims handling and training programs for all owned and managed properties. Investigate and deploy strategies to address the company’s risk management needs. Manage insurance coverage and claims administration companywide; generate monthly trending reports.● Plan and implement cost-containment initiatives, risk assessments & hazard analyses. Lead and manage a team of three handling claims and risk activities.● Work directly with insurance brokers and insurance underwriters to place insurance and ensure adequate coverage for the portfolio.Critical Contributions:● EXPENSE CONTROL. Led the effort to secure via RFP a new property and casualty insurance broker. Wrote and distributed the RFP and led the screening and evaluation of all submittals. ● CRISIS MANAGEMENT. Led the company’s Covid-19 response to keep residents and employees safe during this period of uncertainty and ever-changing regulatory guidance. Show less Promoted to position targeting risk-prevention plans implemented to reduce exposure, minimize injuries and assure effective post-incident documentation. Developed & implemented safety policies and manuals as well as safety training for all employees. Ensured that all vendors met the company’s insurance requirements. Conducted contract review for compliance with indemnification requirements.● Reviewed agreements with investors, lenders, agencies and others to ensure compliance with their insurance requirements.● Developed and implemented policies and procedures for risk management, including claims handling and management processes. Oversaw the team handling claims on behalf of the company. ● Represented the company in claims-related mediation, depositions, court appearances and OSHA hearings.● Participated in quarterly claim reviews with carriers, brokers, third-party administrators (TPA) and key stake holders.Critical Contributions:● HEALTH AND SAFETY. Authored a comprehensive health and safety manual deployed companywide; continuously update as needed—a first-of-its-kind publication documenting minimum standards.● RISK MANAGEMENT. Authored the risk management handbook—a tool that documented the process and systems for handling claims, allocation of premium dollars, contract review and vendor management.● SPECIAL PROJECTS. Developed a comprehensive response plan to managing and remediating mold issues in affordable housing. Show less Hired to assist Risk Manager in placement and management of all insurance. Distributed insurance documentation and certificates to appropriate parties as required. Adjusted and handled property, liability claims and litigation matters. Reviewed policies for coverage terms, deductibles and sub-limits for claims. Analyzed all claims for cause, frequency, severity, potential reduction and prevention. Coordinated and participated in quarterly claim reviews with carriers, brokers, TPAs and key stakeholders.Critical Contributions:● WORKPLACE SAFETY. Founded the company’s safety committee tasked with working to ensure work¬place safety and drive loss prevention. ● TRAINING STANDARDIZATION. Developed company training standards employed across all team members—efforts that did much to improve and systematize service delivery. Show less

  • Director, Risk Management

    Jul 2020 - Jul 2023

  • Risk Manager

    Jan 2016 - Jul 2020

  • Risk Management Specialist

    Aug 2008 - Jan 2016
• 

  Jonathan Rose Companies

  Jul 2023 - Oct 2024

  Senior Director of Risk Management
• 

  RTS - Regional Transit Service

  Sept 2024 - now

  Workers Compensation Specialists