ANNAM RIZWAN
Atlanta
Summary
Risk Management & Insurance professional with 10+ years of group disability experience, including direct underwriting experience, across claims, client development, and account strategy. Experienced in analyzing demographic trends, claims utilization, and plan design impact to support risk selection, pricing, and renewal decisions. Strong foundation in policy language, statutory disability, experience rating principles, and regulatory compliance.
Overview
13
13
years of professional experience
Work History
Group Benefits, Underwriter
UNUM
Atlanta, GA
12.2024 - Current
- Led risk assessment for prospects and renewal submissions, evaluating RFP, demographics, claims history, and risk indicators to determine coverage, pricing, and terms.
- Managed a diverse book of business, monitored portfolio performance, identified risk trends, and implemented strategies to optimize profitability and diversification.
- Developed and maintained strategic broker and agent relationships to drive new business, support renewals, and enhance market presence.
- Provided mentorship and technical guidance to underwriting trainees, ensuring quality control and adherence to underwriting standards.
- Prepared and presented underwriting proposals with clear rationale, supporting data-driven decision-making and compliance with regulatory and corporate requirements.
- Collaborated with cross-functional teams, including actuarial, claims, and product development, to align underwriting strategies with organizational goals.
Client Development Specialist
UNUM
Atlanta, GA
08.2022 - 12.2024
- Conduct detailed account research, including demographic analysis, claims history review, and plan design evaluation to support renewal and pricing strategy
- Utilize internal tools to benchmark claims experience, analyze competitors, and support pre-sale strategy and broker presentations
- Maintain comprehensive knowledge of product provisions and policy language to support marketing and strategic positioning
- Manage and serve as subject matter expert for the field office renewal inventory, ensuring accurate and timely execution
- Analyze reporting data to support targeted marketing initiatives and market growth objectives
- Mentor and train new Client Development Specialists through structured modules and day-to-day operational support
Team Lead – Group Disability
Lincoln Financial Group
Atlanta, GA
07.2018 - 08.2022
- Resolved escalated and complex claims issues, providing guidance to team members and ensuring compliance with established procedures and guidelines
- Served as subject matter expert for Statutory Disability and Advise to Pay accounts, supporting onboarding, renewals, and high-level stakeholder inquiries
- Mentored and trained claims examiners, developing training modules for national and non-national accounts with specialized handling requirements
- Monitored claims trends and performance metrics, partnering with management to implement process improvements and enhance operational efficiency
- Collaborated cross-functionally to streamline communication strategies and improve overall client and stakeholder experience
Claims Examiner II – Group Disability
Lincoln Financial Group
Atlanta, GA
07.2017 - 07.2018
- Served as primary contact for complex, high-touch accounts while educating clients, national account managers, and sales partners on claims processes and products
- Completed Leaders First training to strengthen mentoring, coaching, and leadership capabilities
Claims Examiner I – Group Disability
Lincoln Financial Group
Atlanta, GA
06.2016 - 07.2017
- Completed detailed review on each claim in a timely manner and fully document the file with relevant information
- Offered excellent customer service by providing complete and accurate information to clients in a multi-task, high-pressure environment that requires attention to detail
Student Clerical Supervisor
UGA Culinary Services
Athens, GA
02.2013 - 05.2016
- Received Excellence Award for outstanding customer service
- Managed student payroll, timekeeping, and records while training and mentoring new team members
Wealth Management
Standard Chartered Bank
Karachi, Pakistan
05.2015 - 08.2015
- Redesigned training modules for financial advisors to improve customer satisfaction rate
- Trained call back officers in risk awareness and customer retention
- Conducted a customer demand analysis for long term investments products and future sales projections
Education
Bachelor of Business Administration - Risk Management & Insurance; Korean Language Minor
The University of Georgia
Athens, GA05-2016
Skills
- Group Benefits (STD, LTD, Life, Voluntary, Dental, Vision)
- Loss ratio analysis
- Advanced manual rate vs experience rate knowledge
- Advance Excel Expertise(pivot tables, VLOOKUP, financial modeling)
- Microsoft Office Suite: Advanced Excel Expertise(pivot tables, VLOOKUP, financial modeling), Word, PowerPoint, Outlook
- Advanced understanding of insurance policy language
- Advanced understanding of group insurance administrative responsibilities including eligibility and enrollment requirements
- Knowledge of disability insurance regulation, eg, HIPAA, ERISA, Statutory Disability and Paid Family Leave
- Strong attention to detail and ability to multi-task
- Ability to establish effective interpersonal relationships, competent negotiating skills
- Languages: Fluent in English, Hindi, and Urdu; Conversational Korean
Timeline
Group Benefits, Underwriter
UNUM
12.2024 - Current
Client Development Specialist
UNUM
08.2022 - 12.2024
Team Lead – Group Disability
Lincoln Financial Group
07.2018 - 08.2022
Claims Examiner II – Group Disability
Lincoln Financial Group
07.2017 - 07.2018
Claims Examiner I – Group Disability
Lincoln Financial Group
06.2016 - 07.2017
Wealth Management
Standard Chartered Bank
05.2015 - 08.2015
Student Clerical Supervisor
UGA Culinary Services
02.2013 - 05.2016
Bachelor of Business Administration - Risk Management & Insurance; Korean Language Minor
The University of Georgia