AJ Woods
New Port Richey,FL
Summary
Senior-level Personal Lines Account Manager with expertise in Florida property underwriting, Citizens Property Insurance, carrier guideline interpretation, and consultative risk assessment. Proven success handling complex and high-value property risks while consistently delivering top production results, underwriting accuracy, and exceptional member service. Trusted resource for peer coaching, onboarding support, quality audits, and operational guidance within fast-paced personal lines environments. Recognized for leadership, mentoring, underwriting judgment, and ability to support organizational change while driving team performance and compliance excellence.
Overview
25
25
years of professional experience
Work History
Personal Lines Account Manager I- Florida Property
USAA
02.2024 - Current
- Utilizes a consultative approach to assess member risk profiles and recommend homeowners, high-value home, umbrella, and specialty property solutions within the Florida market.
- Applies advanced underwriting knowledge and carrier guideline expertise to evaluate complex property risks, including homes exceeding $1.5M in insured value.
- 2 years of experience working with Citizens Property Insurance, including eligibility review, underwriting considerations, remarketing strategies, and policy placement solutions.
- Partners with underwriters and carriers to negotiate endorsements, resolve renewal concerns, and secure underwriting approvals for complex or non-standard risks.
- Maintains exceptional quality and compliance standards while consistently exceeding departmental expectations for underwriting accuracy and member experience.
- Mentors and coach peers on carrier guidelines, underwriting strategy, CRM utilization, sales effectiveness, and system navigation.
- Conducts live call audits and provide actionable peer feedback focused on underwriting quality, compliance adherence, and consultative sales effectiveness.
- Serve as Sales Point of Contact (POC), developing monthly sales campaigns and gamification initiatives that increased engagement, morale, and production performance.
- Collaborates with leadership to reinforce best practices, support workflow efficiency, and assist with operational and system changes.
- Assists peers with escalated underwriting questions, carrier processes, and complex policy scenarios to support service consistency and operational success.
Sales and Service Insurance Professional I
USAA
05.2022 - 02.2024
- Utilized a consultative approach to build rapport with members across all 50 states and identified coverage gaps and risk exposures.
- Recommended and serviced multiple personal lines products including auto, property, umbrella, and personal articles floater policies.
- Applied underwriting guidelines and carrier requirements to ensure accurate pricing, approvals, and policy servicing.
- Assisted peers through real-time support and escalated call guidance, helping resolve complex member situations and de-escalate challenging interactions.
- Delivered exceptional member experiences while balancing compliance, underwriting accuracy, and operational efficiency.
- Consistently demonstrated strong communication, relationship-building, and problem-solving skills in a high-volume contact center environment.
Small Business Account Manager
American Express
10.2001 - 02.2022
- Built strong relationships with small business owners through consultative conversations focused on business needs, growth opportunities, and financial solutions.
- Identified opportunities to recommend customized American Express products, services, and rewards solutions to increase engagement and loyalty.
- Facilitated high-value upselling workshops that contributed to increased sales performance and revenue growth.
- Served in interim leadership capacities, supporting coaching initiatives, performance management, team motivation, and daily operational responsibilities.
- Assisted with employee coaching, performance improvement planning, and goal-setting discussions to support team success.
- Managed inbound account inquiries including transaction reviews, dispute resolutions, rewards redemption, and account servicing.
- Ensured all interactions and account updates complied with corporate and regulatory requirements.
Skills
- Florida Property Insurance
- Citizens Property Insurance
- Personal Lines Underwriting
- High-Value Home Policies
- Consultative Sales & Risk Assessment
- Underwriting Negotiation
- Policy Remarketing
- Quality Audits & Compliance
- Peer Coaching & Mentorship
- Onboarding & Training Support
- Salesforce CRM
- Member Experience Excellence
- Workflow & Process Improveme
Accomplishments
- Top Producer – April 2026 (49 binds)
- Highest Written Premium – $133K written premium in April 2026
- Recipient of Multiple Top Gun Awards
- Recipient of Multiple Five Star Squad Awards
- Diamond Award Recipient
- Service Excellence Award Recipient
Timeline
Personal Lines Account Manager I- Florida Property
USAA
02.2024 - Current
Sales and Service Insurance Professional I
USAA
05.2022 - 02.2024
Small Business Account Manager
American Express
10.2001 - 02.2022