NATHAN SANTAMARIA

• Improved loss ratio to one of the best in industry in 2023 (mid 60%) through underwriting, pricing model delivery and claims and underwriting process improvements
• Led company change from ISO based policy forms to proprietary forms across 35 operating markets
• Led strategic planning of Independent Agent distribution channel enabling expansion with leading Agent based Insurtech
• Led companies expansion strategy in Florida to secure $24 million in marketing funds to scale Florida from $16M to a projected 2024 DWP of $120M at 55% loss ratio in 1 year.
• Proactively identified potential risks and implemented mitigation strategies to minimize negative impacts on projects or business operations.

• Strategic leader expanding State Management and analytic organization to enhance geographic expansion, improve service level staffing and analytic strategy
• Established multi-stage rollout of State Management and Analytics organization
• Developed analytic vision and strategy to support improved data backed decisioning for state management, R&D, pricing, and underwriting changes including service staffing levels
• Enabled company to expand from single state writer to regional based carrier

• Established strategic vision for expansion of partner distribution resulting in annual sales and profitability growth encompassed within Hanover's profitability tolerances
• Developed PA's 5-year operating strategy leading to growing sales staff including annual agent, premium and loss ratios targets, in coordination with Sales RVP
• Collaboratively work with Underwriting, Actuarial, ERM, Legal, Marketing and Sales team to improve operations in PA & NJ to build Hanover's strategic priorities
• Improved NJ from 0% growth to 10% growth through agency relationships, new system and high net worth product offerings while reaching targeted returns
• Member of the PL Coastal Management team focused on responsible risk management to ensure compliance with internal earnings and capital risk targets and tolerances

• Improved the auto and property operating results of NJ & DE through influential cross functional relationships with partner clubs, actuarial, marketing, service and underwriting
• Reduced operating loss approx
• 28M and grew markets by $16M through pricing, underwriting and expense reduction activities with the collaboration and support of exclusive agency partners
• Developed and executed coastal property strategy in coordination with reinsurers, enterprise risk management and countrywide property teams
• Leading multiple products lifecycles including consolidation of underwriting companies through conversion of books and implementation of by-peril property product
• Collaborate with sales staff to improve sales results to better penetrate the total addressable market
• Coaching and developing high performing team of product specialists and analysts

Central Region Financial Sales Officer responsible for personal and commercial lines state strategy, product management, budgeting, planning, profit and loss, KPI development and reporting to build consistency in agency and sales team evaluation and product delivery for $400 Million DWP region

• Developed agency sales reports improving sales process resulting with better agency management
• Monitored MI PIP losses resulting in subrogation of $1M and process changes reducing future leakage
• Financial Leader managing BOP, CPP and Commercial Auto product in Central Region to improve straight through processed commercial lines business volume
• A rated strategy for complex accounts
• Implemented improved risk identification using publicly available data to reduce underwriting error of commercial policies

• Develop strategic and operational initiatives in coordination with cross-functional areas to meet growth and profit goals for two sales regions with $300 Million DWP in startup product management organization focusing on Texas, Colorado, Indiana, Arizona and nine other states
• Leader in new Product Management division tasked with developing structure to analyze business results including leading development of data center to produce more insightful decision making through analytics
• Leading corporate projects to develop comparative rating filters, maximize underwriting expense efficiency and define auto rating territories through predictive models
• Executed corporate pricing models within parameters allowed by state regulations and results of predictive model, utilized ISO forms and managed SERFF filings
• Developed State Analysts through learning incubator to invest in talent