Angel Murray

• Determined client needs and financial situations by listening and scheduling fact-finding appointments.
• Cultivated new business by offering presentations on financial well-being to individuals and groups on term and whole life insurance.
• Approached potential clients by using direct marketing mailings and phone contacts.
• Built relationships with clients using active listening and issue resolution to provide excellent service.
• Examined, adjust, and defend, general liability claims and lawsuits filed against insureds towards an amicable resolution
• Review terms, conditions, and exclusions of the insurance policy to determine coverage.
• Conduct investigations of the facts and circumstances of the claim presented, securing necessary medical and other documentation of alleged damages, and negotiating settlements with claimants and attorneys.
• Make timely claims payments and adjustments; communicate claim action/processing with claimant and client.
• Ensure claim files are properly documented and claims coding is correct.
• Remote Position

• Examined claims forms and other records to determine insurance coverage.
• Interviewed agents and claimants to correct errors or omissions and investigate questionable claims.
• Established productive working relationships with public officials and law enforcement officers.
• Followed up with insured individuals regarding premium and deductibles payments.

• Investigate claim damages and situation using internal and external resources. Investigation steps include speaking with the insured or other involved parties such as contractors, requesting and receiving a field investigation report, research on past claim activity, research on external websites for CAT event confirmation, and engaging vendors for services, material supply and/or pricing.

• Determined policy coverage through analyzing investigation data and policy terms, including whether claim will be approved or denied. Notified insured of coverage or any issues. Establishes reserve levels at the beginning of handling a claim and adjusts as appropriate based on investigation findings.

• Handled and owned claims submitted by independent adjusters, including making coverage and reserve decisions, and reviewing work for accuracy.

• Maintained accurate and current communication with insured/claimant.

• Maintained accurate and current claim file documentation throughout the life cycle of claim cases.

• Examined claims forms and other records to determine insurance coverage.
• Reviewed police reports, medical treatment records and physical property damage to determine extent of liability.
• Directed claims negotiations within allowable limit of $500,000 and supported successful litigations for advanced issues.
• Reviewed and analyzed suspicious and potentially fraudulent insurance claims.
• Determined liability outlined in coverage and assessed documentation such from police and healthcare providers to understand damages incurred.
• Evaluated original investigation reports and documents to resolve secondary concerns.
• Conducted thorough property investigations to identify and classify damages for customer claims.
• Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
• Directed and coordinated various investigations conducted by field investigation team.

• Investigate commercial claim damages operated estimates in Symbility system

• Investigation steps include speaking with the insured or other involved parties such as contractors, requesting and receiving a field investigation report, research on past claim activity, research on external websites for CAT event confirmation, and engaging vendors for services, material supply and/or pricing.

• Determined policy coverage through analyzing investigation data and policy terms, including whether claim will be approved or denied. Notified insured of coverage or any issues. Establishes reserve levels at the beginning of handling a claim and adjusts as appropriate based on investigation findings.

• Handled and owned claims submitted by independent adjusters, including making coverage and reserve decisions, and reviewing work for accuracy.

• Maintained accurate and current communication with insured/claimant.

• Maintained accurate and current claim file documentation throughout the life cycle of claim cases.

• Engaged specialized departments such as Special Investigation Unit and Subrogation as appropriate.

• Determined and negotiated settlement amounts for damages claimed within assigned authority limits. Made recommendations to management for settlement amounts outside of authority limits. Closed claim files upon completion of final payment.

• Alerted underwriting, marketing and/or risk management regarding questionable risks encountered to ensure potential hazards are clearly documented.

• Reviewed recommendations for causation, approval / denial made by Independent Adjusters to determine whether to approve / deny the claim. Approves recommendations for reserve and settlement/payment schedule amounts.

• Preformed Know Your Customer (KYC), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) investigations, screening for clients/entities utilizing Bank Anti-Money Laundering (AML), Lexis Nexis, Actimize, Business IRIS and OFAC regulatory policies and time limits
• Writing Suspicious Activity Reports (SAR’s), file CTR’s, address sanction and system generated alerts
• Building and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g
• Financial, legal, reputation, etc.) Conduct research as required documented results in written format
• Re-underwrite credit, appraisals analysis, re-verification of loan documents
• Verified employment information and debt-to-income ratio
• Communicate results of investigations and initiated suspicious activity reports and in-depth understanding of anti-money laundering procedures and laws
• Full file review in chordiant, and TSYS system
• Run a complied report of all account transaction history in Microsoft excel using Teradata.
• Partnered with fraud manager to research and investigate cases.
• Read fraud and security risk management-related articles and white papers and took part in webinars to keep abreast of changes in fraud and security landscape.
• Prepared reports, metrics and research to support fraud initiatives and projects.
• Communicated with compliance manager to thwart potential money laundering or terrorist financing.

• Performed screening for clients/entities utilizing Bank AML and OFAC regulatory policies and procedures
• Preformed customer due diligence investigations, analyzed legal entities to mitigate and manage risk exposure pertaining to OFAC, BSA/AML, and USA Patriot Act and Risk Management Principles
• Identified customers with a risk for money laundering and terrorist financing
• Investigated a possible OFAC risks, including research, data collection, and compilation of evidence to support findings
• Performing functions such as quality assurance, fraud prevention, and Know Your Customer (KYC) due diligence investigative underwriting (frontline)
• Review loan files for completeness and accuracy; analyzing all credit documents as well as review loans for compliance with the GFE and HUD-1 requirements of RESPA, ECOA, SAFE Act, HMDA and TIL
• Preformed Know Your Customer (KYC), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) investigations, screening for clients/entities utilizing Bank Anti-Money Laundering (AML), Host, Lexis Nexis, Actimize, ICAN, Business IRIS and OFAC regulatory policies and time limits
• Wrote Suspicious Activity Reports (SAR’s), file CTR’s, address sanction and system generated alerts
• Building and maintain awareness of the broader context and implications of the various types of risk affecting the business (e.g
• Financial, legal, reputation, etc.) Conduct research as required documented results in written format
• Ensure loans met the terms of any FNMA/FHLMC policies
• Act as subject matter expert (SME) for compliance projects as well conducting forensic audits of closed portfolios with prepared concise reports detailing findings
• Also as a Subject Matter Expert (SME) I conducted training sessions with my peers.
• Prepared reports, metrics and research to support fraud initiatives and projects.
• Interacted with law enforcement agencies, regulators and financial institutions to coordinate investigations related to fraudulent activities.
• Read fraud and security risk management-related articles and white papers and took part in webinars to keep abreast of changes in fraud and security landscape.
• Partnered with fraud manager to research and investigate cases.
• Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.

• Created weekly, and monthly reports
• Consolidated and joined data using Microsoft SQL Server Management Studio
• Knowledgeable of data warehousing concepts; Views, Triggers, Stored Procedures, Indexes, and Constraints
• Supported projects relating to change initiatives impacting multiple businesses units, product lines, or business processes
• Used multiple systems (SQL, Excel w/ Pivot Tables, and As400) as data points in order to validate research requests received by other teams
• Participate in all projects calls, status, design reviews, test script reviews etc
• Responsible for high level implementation plans, data and process models, and validation of results through interrogation of data with SQL.
• Developed and presented business cases, presentations and reports to senior management.
• Supported teams in continuous delivery of quality products and services, enhancing usage and introducing new features.
• Improved user productivity and efficiency through system training and support.
• Supported enterprise and business goals by introducing new product and service offerings.
• Designed and prepared technical reports, studies and related documentation.

• Helped clients plan for and fund retirements using mutual funds and other options to manage, customize and diversify portfolio.
• Promoted financial products by maintaining excellent service offering knowledge.
• Networked to increase client base and encourage existing clients to expand financial portfolios.
• Processed customer requests for statements, ordering additional checks and updating customer personal information in database.
• Conducted detailed financial reviews for business clients to sell appropriate products to fit clients needs.
• Continually boosted branch production and revenue by 5% by consistently meeting all monthly and quarterly sales goals.
• Created innovative financial solutions to meet customer needs and provide competitive edge.
• Identified and investigated variances to optimize financial plans and forecasts.
• Developed top-performing teams, leading to increased branch efficiency and positive customer feedback.
• Worked closely with management to strategize sales techniques to increase branch production and customer service.
• Maximized revenue through improved sales techniques and branch productivity.