Joy Young
Miamisburg,OH
Summary
Detail-oriented professional with extensive experience in claims processing and regulatory compliance. Expert in risk assessment and case management, consistently ensuring adherence to guidelines while improving workflow through effective cross-team collaboration.
Overview
1
1
Language
18
18
years of professional experience
Work History
Claims Processor
CareSource
08.2016 - 08.2026
- Processed claims efficiently, ensuring adherence to regulatory guidelines and company policies.
- Maintained 98–100% accuracy in claim documentation and processing.
- Collaborated with cross-functional teams to resolve complex claims issues, enhancing overall workflow efficiency.
- Mentored junior processors, providing training on best practices for claims management and system navigation.
- Ensured compliance with state and federal regulations by conducting regular audits of processed claims and procedures.
- Managed high volume of claims, prioritizing tasks to meet deadlines without sacrificing quality.
Loss Mitigation Claims
PNC Mortgage
08.2012 - 08.2016
- Evaluated delinquent mortgage accounts to determine eligibility for repayment plans, forbearance, trial payment plans, and investor modification programs.
- Collected, analyzed, and validated borrower financials, hardship documentation, and property information to assemble complete workout packages within investor and CFPB timelines.
- Ensured all decisions and documentation adhered to FNMA, FHA, VA, USDA, and private investor requirements to minimize loss exposure.
- Prepared, submitted, and tracked mortgage insurance and investor claims to recover allowable losses after foreclosure or workout failure.
- Calculated reinstatement amounts, payoff figures, and foreclosure sale proceeds; ensured accurate allocation of funds and reconciliation of default‑related transactions.
- Maintained complete, audit‑ready files aligned with investor documentation standards.
Senior Sales Consultant
AT&T
06.2008 - 07.2012
- Engaged customers to identify needs and recommend wireless, internet, and entertainment solutions tailored to their usage and budget.
- Demonstrated advanced knowledge of AT&T devices, rate plans, accessories, and bundled services to support informed purchasing decisions.
- Consistently met or exceeded monthly sales targets, accessory attachment goals, and customer experience metrics.
- Analyzed customer accounts to identify opportunities for upgrades, plan optimization, and issue resolution.
- Guided customers through device setup, service features, billing details, and protection plans to ensure seamless onboarding.
- Promoted bundled services, device protection, and value‑added products to increase overall account value.
- Addressed billing questions, service concerns, and claim‑related issues to support customer satisfaction and retention.
- Assisted with inventory management, merchandising, and maintaining compliance with AT&T retail standards.
Education
Bachelor of Arts - Psychology
Wright State University
Dayton, OH06-2006
Skills
- Claims Processing — End‑to‑end handling of claim files, documentation, and case progression
- Claims Investigation — Reviewing records, statements, and evidence to determine liability
- Documentation Review — Analyzing medical records, reports, and supporting documents
- Regulatory Compliance — Ensuring all claim actions meet legal, insurance, and internal standards
- Risk Assessment — Identifying exposure, evaluating severity, and recommending next steps
- Data Analysis — Reviewing claim data, trends, and documentation for accuracy
- Case Prioritization — Managing deadlines, urgency levels, and complex claim workflows
- Case Management — Managing multiple claims simultaneously with accuracy and timeliness
- Policy Interpretation — Understanding coverage, exclusions, and claim applicability
- Record Management — Maintaining organized, audit‑ready claim files
Accomplishments
- Claims accuracy — Maintained high accuracy in claim documentation and processing with minimal errors.
- Timely case completion — Consistently met or exceeded claim turnaround timelines.
- Complex case handling — Successfully resolved escalated or complex claims requiring detailed investigation.
- Workflow efficiency — Improved claim workflow by identifying bottlenecks and streamlining documentation steps.
Languages
English
Native or Bilingual
Timeline
Claims Processor
CareSource
08.2016 - 08.2026
Loss Mitigation Claims
PNC Mortgage
08.2012 - 08.2016
Senior Sales Consultant
AT&T
06.2008 - 07.2012
Bachelor of Arts - Psychology
Wright State University