Insurance professional with diverse expertise including regulatory compliance and risk management, property and
casualty insurance underwriting, marketing, operations, and internal audit. At Wells Fargo Insurance, Inc. created test
script for the flooddetermination group based on interviews and existing documentation.
Consulting Risk Manager and Operational Consultant January 2008 to CurrentWells Fargo Insurance - Minneapolis, MN
Able to see things from the customer's or end users Discover the critical key processes and drivers to point of view by assuring key activities, such as which other processes are dependent, and together product suitability, sales practices, and delivery, are account for the entire system.
operating as expected Strong and effective collaborator with diverse parties, personalities, and lines of business to achieve needed outcome to reduce regulatory or operational risk.
Accomplishments Relaunch of the Wells Fargo Identify Theft program assuring: suitability, compliant sales practices, consistent fulfillment, and enhanced complaint management systems.
The program has successfully relaunched Streamline mortgage closing process by providing a Homeowners' insurance quote during the closing period.
Some risk issues addressed were: customer privacy, information sharing with third parties, any appearance of unfair, deceptive, abusive acts or practices (UDAAP).
The program has been piloted in over a dozen states without any complaints related to regulatory concerns.
Reviewed and approved Standard Operating procedures to meet the needs for high net worth clients who have unique property and liability coverage requirements.
The outcome was accepted by management as a positive enhancement and aid in providing consistency across offices.
Worked with small business commercial sales management to change their call protocol, eliminating irrelevant questions and adding insurance company required questions which streamlined the process reducing agent and customer time for quotes, while simultaneously increasing full disclosure of coverages placed.
This increased the quality of information provided both to the insurance company underwriter and customer.
Key to licensing move from St.
Paul Companies to Travelers at merger.
Successfully merged manual licensing of USFG acquisition into automated system Work with line-of-business to understand their process, identify regulatory or operational concerns, and collaborate to remove or mitigate risk.
For student health insurance programs for colleges and universities made substantive changes in wording to make intent clearer, and help students understand the product and how it might apply to them.
Performed testing on certain parts of the business such as marketing materials, compliance with Reg W, required consumer disclosures, Captive Insurers, and training.
Performed annual review of risk and controls for each line-of-business to identify changes and risk.
Analyzed and documented the flood determination organization.
Mapped the process flow between mortgage and the insurance operations to determine length of time to transmit information, methods and reliability, vendor oversight controls, customer service area, and business continuity.
December 2005 to January 2008Travelers Insurance Company - St. Paul, MN
Audit taught me the methodology of documenting, reporting, doing a root cause analysis, keeping on a time frame, and determining if the controls were adequately designed and operating effectively for the risk.
Examples of areas audited: executive expense accounts, large deductible/self-insured accounts, inland marine, HR, underwriting management of the Canada office and 10-K reporting I also managed a team of 3-4 auditors, directing and reviewing their work.
Agency Compliance Manager March 2000 to January 2008Travelers Insurance Company - St. Paul, MN
Managed the contracting and licensing functions of the company overseeing a staff of up to 20 technicians with 61,000 agents and 300,000 filings.
By reducing unneeded appointments we saved the company $500,000 annually.
Successfully merged manual licensing of USFG acquisition into automated system.
Replaced legacy system from manual to a web based system.
Prior Agency Compliance, held positions in marketing and underwriting.
Bachelor of Arts : PsychologyUniversity of Montana - Missoula, MT, USAPsychology
Total Quality Management
Sales and Sales ManagementCardinal Stritch University - Minneapolis, MN, USA
Associate of ArtsCardinal Stritch University - Minneapolis, MNInsurance
Chartered Property and Casualty Underwriter
Associate in Underwriting
Associate in Regulation and Compliance
Certificate : Lean Six SigmaVillanova University - Minneapolis