ALEXANDRA RAHAL
Auburn,USA
Summary
Experienced Group Life & Disability Underwriter specializing in quality review auditing, risk classification, and documentation standards. Conducts independent audits, identifies trends, and recommends process improvements. Reviews complex medical, non-medical and financial risks, validates underwriting decisions, and communicates findings clearly. Committed to enhancing underwriting quality and operational efficiency.
Overview
13
13
years of professional experience
Work History
Foreign National / Foreign Risk International Underwriter
Unum
01.2026 - Current
- Review and adjudicate exception requests for employees working outside the U.S., ensuring decisions meet legal, regulatory, and underwriting requirements.
- Independently assess documentation for high-risk countries, including OFAC-sanctioned territories, applying multi-layered risk approval measures.
- Conducted detailed audits of in-force accounts, identifying and remediating missing or incorrect foreign risk exceptions.
- Monitored emerging global risk trends and regulatory changes to inform international coverage decisions.
- Maintained audit-ready documentation and collaborated with Legal to ensure compliance integrity across cases.
Group Life and Disability Senior Underwriter
Unum
06.2024 - Current
- Lead underwriting audits and quality reviews of a $35M renewal block, ensuring medical, non-medical, and financial assessments meet all corporate underwriting guidelines, compliance rules, and reinsurance requirements.
- Analyzed claims experience, case documentation, and pricing decisions to identify underwriting trends, inconsistencies, and training gaps.
- Prepare reports and recommendations to support underwriting process enhancements, training needs, and quality outcomes.
- Reported audit findings and risk-classification accuracy to underwriting leadership, providing constructive feedback for process improvement.
- Partner cross-functionally with Claims, Finance, Legal, and Product to resolve complex underwriting exceptions and maintain governance standard.
- Mentor underwriters and participate in peer reviews to ensure consistent application of guidelines and documentation practices.
Group Life and Disability Underwriter
Unum
06.2021 - 01.2024
- Reviewed demographic, financial, industry, and claims data to validate the accuracy and consistency of underwriting decisions.
- Identified underwriting errors, documentation gaps, and emerging trends, recommending corrective actions to management.
- Executed ongoing case audits to ensure adherence to company requirements and state regulations.
- Facilitated team meetings and training sessions for associate underwriters, promoting knowledge sharing and skill development.
Underwriting Specialist
Unum
01.2019 - 06.2021
- Analyze complex plan designs and competitor contracts.
- Participated in initiatives to enhance operational efficiency.
- Maintained consistent application of underwriting standards to support risk assessment.
IDI Service Specialist
Unum
07.2015 - 12.2018
- Audited multi-life financials to identify and resolve discrepancies.
- Maintained accurate account documentation to ensure consistency across systems.
CFL1 & CFL2 Certified Trainer
CrossFit Worcester
01.2013 - Current
Education
Bachelor of Arts - Business Studies, Communications, Management
Assumption College
Worcester, MA05-2014
Skills
- Underwriting Audits
- Risk Assessment
- Quality Assurance
- Reinsurance Compliance
- Documentation Standards
- Data Analysis and Reporting
- Team Collaboration
- Group Life and Disability Underwriting
- Salesforce
- PEGA/EQUIP
- OpenText/Extended ECM
- Microsoft Excel, Word and PowerPoint
Timeline
Foreign National / Foreign Risk International Underwriter
Unum
01.2026 - Current
Group Life and Disability Senior Underwriter
Unum
06.2024 - Current
Group Life and Disability Underwriter
Unum
06.2021 - 01.2024
Underwriting Specialist
Unum
01.2019 - 06.2021
IDI Service Specialist
Unum
07.2015 - 12.2018
CFL1 & CFL2 Certified Trainer
CrossFit Worcester
01.2013 - Current
Bachelor of Arts - Business Studies, Communications, Management
Assumption College